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09/16/07 :  Fans fills the stands of Bank of America stadium during the team's 2007 season opener against the Houston Texans.  ..The Carolina Panthers, professional American NFL football team that represents both North Carolina and South Carolina, is based in Charlotte, North Carolina. The Panthers began playing in 1995 as part of the National Football League?s expansion program. They are members of the National Football Conference (NFC) South Division. They play in the Bank of America Stadium, located in downtown Charlotte.