Bank of America SEC Filings

BofA Finance LLC, fully guaranteed by Bank of America Corporation, is offering approximately three-year Contingent Income Issuer Callable Yield Notes linked to the least performing of the Nasdaq-100, Russell 2000 and S&P 500 indices, maturing on January 10, 2029. The notes pay a contingent coupon of 8.00% per annum (2.00% quarterly) only if on each observation date every index is at or above 75% of its starting level.

Beginning July 10, 2026 the issuer can redeem the notes quarterly at $1,000 per note plus any due coupon. If the notes are not called and the worst index is below 63% of its starting level at maturity, investors are exposed to 1:1 downside and can lose up to their entire principal; otherwise they receive full principal and any final coupon. The initial estimated value is expected between $920 and $970 per $1,000, the public offering price is $1,000 with a $25 underwriting discount, the minimum denomination is $1,000, payments depend on the credit of BofA Finance and BAC, and the notes will not be listed on an exchange.

Bank of America Corporation is offering senior unsecured Fixed Rate Callable Notes due January 23, 2029. The notes pay fixed interest at 4.10% per annum, with interest paid quarterly on January 23, April 23, July 23 and October 23 of each year, beginning April 23, 2026, using a 30/360 day count. The notes are issued in minimum denominations of $1,000 and multiples of $1,000 and will be delivered in book-entry form through DTC around January 23, 2026.

Bank of America may redeem all of the notes at 100% of principal plus accrued interest on January 23, 2027 and on each subsequent quarterly Call Date through October 23, 2028. The notes are not deposits, are not guaranteed by Bank of America, N.A., are not insured by the FDIC or any governmental agency, and are subject to the issuer’s credit risk. They are not listed on any securities exchange, and a secondary market may be limited or unavailable.

Bank of America has changed how it accounts for certain tax-related equity investments in affordable housing and wind and solar renewable energy projects. Affordable housing and eligible wind investments are moving from the equity method to the proportional amortization method, which shifts related costs from noninterest income to income tax expense. For solar investments, investment tax credits and related expenses will now be recognized over the productive life of the facilities, with tax credits reported in noninterest income against the related expense.

The changes mainly reclassify amounts between income statement lines and have an insignificant impact on net income annually. Applied retrospectively, retained earnings as of September 30, 2025 decreased by $1.7 billion, and the cumulative impact would have reduced Common equity tier 1 capital by an estimated $2.1 billion, lowering the Common equity tier 1 ratio by 13 basis points. The effective tax rate for the third quarter of 2025 would have been 20.0% instead of 10.4%.

BofA Finance LLC, fully guaranteed by Bank of America Corporation, is offering Dual Directional Buffered Notes linked to the least performing of the Nasdaq-100® Index and the S&P 500® Index, with an approximate 13‑month term to February 10, 2027. These unsecured notes provide 100% upside participation in the least performing index, capped at a maximum return of 17.75% ($1,177.50 per $1,000). If the least performing index finishes between 90% and 100% of its starting level, holders receive a positive return equal to the absolute percentage decline.

If the least performing index falls more than 10%, principal is exposed 1:1 beyond that buffer, with up to 90% of principal at risk. The notes pay no periodic interest, will not be listed on an exchange, and all payments depend on the credit of BofA Finance and BAC. The public offering price is $1,000 per note, while the initial estimated value is expected to be between $930 and $980 per $1,000.

BofA Finance LLC, fully guaranteed by Bank of America Corporation, is offering Contingent Income Issuer Callable Yield Notes linked to the least performing of the EURO STOXX 50®, Nasdaq-100® and Russell 2000® indexes. The notes have an approximate 12‑month term and pay a 14.00% per annum contingent coupon (1.1667% monthly) only if, on each monthly observation date, all three indexes are at or above 65% of their starting values. Beginning April 10, 2026, BofA Finance may redeem the notes monthly at par plus any due coupon.

If the notes are not called and any index falls below 70% of its starting value on any trading day during the knock‑in period and finishes below its starting value at maturity, repayment is reduced 1:1 with the decline of the worst index, up to a total loss of principal. The notes are unsecured obligations of BofA Finance, guaranteed by BAC, not listed on any exchange, and have an initial estimated value between $931.20 and $981.20 per $1,000, lower than the public offering price.

BofA Finance LLC, fully guaranteed by Bank of America Corporation, is offering Contingent Income Buffered Issuer Callable Yield Notes linked to the least performing of the Nasdaq-100, Russell 2000 and S&P 500 indices. The Notes have an expected term of about nine months and pay a contingent coupon of 13.00% per year (1.0834% monthly) only if, on each monthly observation date, all three indices are at least 90% of their starting levels.

Beginning in April 2026, the issuer may redeem the Notes monthly at par plus any due coupon. If the Notes are not called and any index falls more than 10% from its start level at maturity, repayment of principal is reduced 1:1 beyond that 10% buffer, with up to 90% of principal at risk. The public offering price is $1,000 per Note, with an underwriting discount of $6 and initial estimated value between $948.60 and $988.60 per $1,000.

BofA Finance LLC, fully guaranteed by Bank of America Corporation, is offering $4,673,000 of market-linked, auto-callable securities tied to the Russell 2000 Index. These notes do not pay interest and may return less than the principal at maturity.

The notes can be automatically called on scheduled Call Dates if the index is at or above the Starting Value of 2,519.798, paying principal plus a fixed Call Premium of 9.35%, 18.70%, 28.05% or up to 37.40% by late 2029. If not called, principal is protected only down to a 10% decline (Threshold Value 2,267.8182); beyond that, losses match the index decline in excess of 10%, up to a 90% loss. The public offering price is $1,000 per note, with an initial estimated value of $972.60, underwriting discounts of $25.75 per note and net proceeds of $4,552,670.25, and all payments are subject to BofA Finance and BAC credit risk.

BofA Finance LLC, fully guaranteed by Bank of America Corporation, is offering Capped Buffered Enhanced Return Notes linked to the S&P 500® Index, with an expected term of approximately 18 months from February 4, 2026 to August 4, 2027.

At maturity, investors receive enhanced upside of 125.00% of any index gain, but returns are capped at a Max Return of 16.00% per $1,000 principal. A downside buffer applies: losses begin only if the S&P 500® falls more than 10% from the starting level, after which repayment is reduced 1:1 and up to 90% of principal can be lost.

The Notes pay no periodic interest, will not be listed on any exchange, and all payments depend on the credit risk of BofA Finance as issuer and BAC as guarantor. The initial estimated value is expected to be between $930.00 and $980.00 per $1,000 note, below the public offering price of $1,000.00, reflecting underwriting discounts, referral fees and hedging-related charges. Per the fee table, BofA Finance expects proceeds, before expenses, of $993.00 per $1,000 note.

BofA Finance LLC, fully guaranteed by Bank of America Corporation, is offering Contingent Income Issuer Callable Yield Notes linked to the least performing of the Nasdaq-100, Russell 2000 and S&P 500 indices, maturing on January 6, 2028.

The notes pay a contingent coupon of at least 8.70% per year (at least $21.75 per $1,000 quarterly) only if on each observation date all three indices are at or above 70% of their starting levelJuly 8, 2026, the issuer may redeem the notes quarterly at $1,000 per note plus any due coupon.

If the notes are not called and any index has fallen more than 30% at maturity, principal is reduced 1:1 with the decline in the worst index, up to a total loss; otherwise investors receive full principal plus any final contingent coupon. The notes are unsecured, subject to the credit risk of BofA Finance and BAC, are not listed on any exchange, and have an initial estimated value of $921.50–$971.50 per $1,000, below the $1,000 public offering price.