Bank of America Corporation 424B Filings

BofA Finance LLC, fully guaranteed by Bank of America Corporation, is offering Contingent Income (with Memory Feature) Auto-Callable Yield Notes linked to the common stock of Tesla, Inc. (TSLA), maturing January 31, 2028. The Notes have an approximately two-year term and are issued at $1,000 per Note, with an underwriting discount of $21 and proceeds to BofA Finance of $979 per Note before expenses.

Monthly contingent coupons are calculated using $15.542 per Contingent Payment Date and are paid only if TSLA’s observation value is at least 75% of its starting value; missed coupons may be recouped later through the memory feature. Starting April 27, 2026, the Notes are automatically called if TSLA is at or above 100% of its starting value on any Call Observation Date, returning principal plus the applicable coupon.

If not called, and TSLA’s ending value is at least 65% of its starting value, investors receive full principal back (plus any final contingent coupon if TSLA is at or above the 75% barrier). Below 65%, repayment is reduced 1:1 with TSLA’s decline and can fall to zero. The initial estimated value is expected between $894.80 and $964.80 per $1,000, and all payments are subject to the credit risk of BofA Finance and BAC. The Notes will not be listed on any exchange.

BofA Finance LLC, fully guaranteed by Bank of America Corporation, is offering Contingent Income Buffered Issuer Callable Yield Notes linked to the worst performer among the Nasdaq-100 Index, Russell 2000 Index, and the State Street Consumer Staples and Utilities Select Sector SPDR ETFs. The notes have an approximate two-year term, pay monthly contingent coupons with a memory feature when each underlying is at or above specified barriers, and can be called monthly by the issuer starting in March 2026 at par plus any due coupon.

If held to maturity and the least performing underlying has fallen by more than 25% from its starting value, principal is reduced on a leveraged basis (about 1.3333333% loss for each 1% drop beyond the 25% threshold), up to a 100% loss. The initial estimated value is expected between $945.00 and $995.00 per $1,000.00, reflecting fees and hedging costs. The notes are unsecured, subject to the credit risk of BofA Finance and Bank of America, and will not be listed on an exchange.

BofA Finance LLC, fully guaranteed by Bank of America, is offering auto-callable structured notes linked to the least performing of AMD and NVIDIA common stock, with an expected term to February 1, 2029. Each Note has a $1,000 denomination and no interest payments. From January 29, 2027 onward, the Notes are automatically called if, on any call observation date, each stock’s observation value is at least 100% of its starting value, paying the applicable call amount (at least $1,320 per $1,000 initially, stepping up monthly to at least $1,960 by the final date).

If not called, holders receive full principal at maturity only if the least performing stock’s ending value is at least 60% of its starting value. If it falls below 60%, repayment is reduced 1:1 with that decline, up to a total loss of principal. The initial estimated value is expected between $910 and $960 per $1,000, below the $1,000 public offering price, reflecting internal funding and hedging costs. All payments are subject to the unsecured credit risk of BofA Finance and Bank of America.

BofA Finance LLC is offering medium-term, principal-at-risk “Jump Securities” linked to the worst performer of the Russell 2000® and S&P 500® indices, maturing on February 4, 2032, and fully guaranteed by Bank of America Corporation. Each $1,000 security pays no coupons and may be automatically called quarterly starting in February 2027 if both indices are at or above their initial levels, for cash payments that start at $1,088 and rise over time to at least $1,506.

If not called, and on the final determination date both indices are at or above initial levels, holders receive at least $1,528 per $1,000, corresponding to approximately at least 8.80% per annum. If the worst index finishes below its initial level but at or above 80% of initial, repayment is $1,000. If the worst index ends below 80% of initial, payoff falls one-for-one with that index and can be substantially below 80% of principal, down to zero.

The securities are unsecured senior debt of BofA Finance, guaranteed by BAC, not FDIC-insured, and will not be listed on an exchange. The estimated value on the pricing date is between $900 and $950 per $1,000, reflecting internal funding rates, hedging costs, and selling commissions.

BofA Finance LLC, fully guaranteed by Bank of America Corporation, is offering medium-term market-linked notes tied to the Russell 2000® Index. These auto-callable, principal-at-risk securities have a $1,000 denomination, pay no interest, and may be automatically called on scheduled Call Dates if the index closes at or above the Starting Value, delivering a fixed Call Premium of at least approximately 9.05% per year, up to at least 36.20% by the final Call Date.

If the notes are not called, investors receive at maturity either full principal back when the Russell 2000® decline does not exceed a 10.00% buffer, or a reduced amount with 1-to-1 downside exposure beyond that buffer, with potential loss of up to 90.00% of principal. The initial estimated value per note is expected to range from $904.25 to $964.25 versus a $1,000 public offering price, reflecting fees, hedging costs, and the issuer’s internal funding rate. All payments depend on the credit of BofA Finance and Bank of America, and the notes will not be listed on any exchange.

BofA Finance LLC, fully guaranteed by Bank of America Corporation, is offering callable contingent income securities maturing January 27, 2028, linked to the worst performing of the S&P 500, Russell 2000 and NASDAQ-100 indices. The notes target a contingent quarterly coupon of at least 2.8875% (at least 11.55% per year), paid only if all three indices stay at or above 75% of their initial levels on every index business day in each observation period.

Beginning April 28, 2026, BofA Finance may redeem all notes on quarterly dates at par plus any due coupon, ending all future payments. At maturity, if the notes have not been called and any index has fallen below its 75% downside threshold, investors are fully exposed to the decline of the worst index on a 1-to-1 basis and can lose most or all principal. The initial estimated value is disclosed as $920–$970 per $1,000, reflecting internal funding and hedging costs, which makes this a high-risk, principal-at-risk alternative to conventional debt.

BofA Finance LLC, fully guaranteed by Bank of America Corporation, is offering about 5-year Digital Return Notes linked to the least performing of the Nasdaq-100, Russell 2000 and S&P 500 indexes, maturing on January 30, 2031. The Notes pay no coupons and will not be listed on an exchange.

At maturity, if the ending level of each index is at or above its starting level, investors receive a fixed $1,535 per $1,000 principal amount, a 53.5% total return. If the worst-performing index is below its starting level but at or above 65% of its starting level, investors receive only their principal back. If the worst-performing index falls more than 35% from its starting level, repayment is reduced 1-for-1 with that decline, up to a total loss of principal.

All payments depend on the credit of BofA Finance and BAC. The initial estimated value is expected to be $900–$950 per $1,000, reflecting dealer discounts, internal funding rates and hedging costs, and secondary market liquidity is uncertain.

BofA Finance LLC, fully guaranteed by Bank of America Corporation, is offering approximately 3-year contingent income issuer callable yield notes linked to the least performing of the Nasdaq-100, Russell 2000 and S&P 500 indices.

The notes pay a contingent coupon of 6.85% per annum (about $5.709 per $1,000 monthly) only if on each observation date all three indices are at or above 70% of their starting levels. Starting July 24, 2026, the issuer may redeem the notes monthly at par plus any due coupon.

If the notes are not called and any index finishes below 60% of its starting level at maturity, repayment of principal is reduced 1:1 with the decline in the worst index, up to a total loss. The notes are unsecured, not listed on an exchange, and have an initial estimated value of $910–$960 per $1,000, below the $1,000 public offering price.

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® indexes. The notes have an approximate 4-year term, expected to mature on January 28, 2030, in $1,000 denominations with a public offering price of $1,000 per note.

Holders can receive a contingent coupon of 6.60% per year (0.55% per month, or $5.50 per $1,000) on each monthly observation date if all three indexes are at or above 70% of their starting level. Starting January 28, 2027, the issuer may redeem the notes monthly at $1,000 plus any due coupon. If the notes are not called and any index finishes below 60% of its starting level at maturity, principal is exposed 1:1 to the decline of the worst-performing index, up to a full loss. The initial estimated value is expected to range from $900 to $950 per $1,000, reflecting dealer discounts, hedging costs and BAC’s internal funding rate.

BofA Finance LLC, fully guaranteed by Bank of America Corporation, is offering issuer callable Contingent Income Notes linked to the least performing of the Russell 2000 Index, the S&P 500 Index and the Technology Select Sector SPDR ETF. Each Note has a public offering price of $1,000.00, with an initial estimated value between $930.00 and $980.00 per $1,000.00, reflecting underwriting and structuring costs.

The Notes run for about three years, maturing on January 26, 2029, and may be called monthly beginning July 28, 2026 at $1,000.00 plus any due contingent coupon. Monthly contingent coupons have a “memory” feature and are based on a formula using $8.959 per $1,000.00 per period, but are paid only when the observation value of each underlying is at least 75.00% of its starting value. Principal is fully at risk: if the least performing underlying ends below 70.00% of its starting value at maturity, investors are exposed to 1:1 downside and can lose up to 100% of their investment. All payments depend on the credit of BofA Finance and BAC, and the Notes will not be listed on any exchange.

BofA Finance LLC, fully guaranteed by Bank of America Corporation, is offering Contingent Income Issuer Callable Yield Notes linked to the S&P 500® Index with an approximate three-year term, scheduled to mature on January 25, 2029.

The notes pay a contingent coupon of 7.00% per annum (0.5834% monthly) only when the S&P 500 closing level on an observation date is at least 85% of the starting value. Beginning January 27, 2027, the issuer may redeem the notes quarterly at par plus any due coupon, which can cap total income. If the notes are not called and the index ending value is below 57% of the starting value, investors are exposed to 1:1 downside and can lose up to their entire principal; otherwise, they receive principal back and potentially a final coupon. The initial estimated value is expected to be $940–$990 per $1,000, below the $1,000 public offering price, and the notes will not be listed, so liquidity and pricing will depend on dealer markets and the credit of BofA Finance and BAC.

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. The notes have an expected term of about three years, pricing on January 20, 2026 and maturing on January 25, 2029, unless called earlier.

Investors receive a 7.25% per annum contingent coupon (0.6042% per month, or $6.042 per $1,000.00) only if on each monthly Observation Date all three indices are at or above 70.00% of their Starting Values. Beginning July 23, 2026, the issuer may redeem the notes monthly at $1,000.00 per note plus any due coupon, ending all future payments.

If the notes are not called and any index finishes below 65.00% of its Starting Value, repayment is reduced 1:1 with the decline in the least performing index, with up to 100.00% of principal at risk; otherwise principal is returned and a final coupon may be paid. The initial estimated value is expected to be $910.00–$960.00 per $1,000.00, below the public offering price of $1,000.00, and all payments depend on the credit of BofA Finance and BAC. The notes will not be listed on any exchange.

BofA Finance LLC, fully guaranteed by Bank of America Corporation, is offering medium-term, market-linked notes that are auto-callable and put investors’ principal at risk. The notes, due February 1, 2029, are linked to the lowest performing of the S&P 500 Index, the Dow Jones Industrial Average, and Broadcom Inc. stock.

The notes pay no interest and are issued in $1,000 denominations at a public offering price of $1,000, with an underwriting discount of $25.75 and proceeds of $974.25 per note to BofA Finance. They are automatically called if, on any Call Date, the lowest performing underlying is at or above its starting value, paying back principal plus a fixed Call Premium that starts at at least 26.600% on the first Call Date and rises to at least 79.800% by the final Call Date.

If the notes are not called, investors receive full principal at maturity only if the lowest performer is at or above 70% of its starting value. Below that threshold, repayment is reduced one-for-one with the decline, so investors can lose more than 30%, up to their entire investment. The initial estimated value is expected between $904.25 and $964.25 per note, and all payments are subject to the credit risk of BofA Finance and BAC. The notes will not be listed on any securities exchange.

BofA Finance LLC, fully guaranteed by Bank of America Corporation, is offering contingent income issuer callable yield notes maturing on July 27, 2028, linked to the least performing of the Dow Jones Industrial Average, the Nasdaq-100 Technology Sector Index and the Russell 2000 Index. Each $1,000 note pays a 12.40% per annum contingent coupon (about $10.334 per month) only if, on a monthly observation date, all three indices are at or above 70% of their starting levels. Beginning April 28, 2026, the issuer may redeem the notes monthly at $1,000 plus any due coupon.

If the notes are not called and any index finishes below 70% of its starting level at maturity, principal is reduced 1:1 with the decline of the worst index, up to a total loss of the $1,000 investment; otherwise, principal is returned and the final coupon is paid if all indices meet the barrier. The public offering price is $1,000 per note, with an underwriting discount of $3.50 and proceeds to BofA Finance of $996.50 per note. The initial estimated value is expected to be between $945.00 and $995.00 per $1,000 note, and all payments depend on the credit of BofA Finance and Bank of America.

BofA Finance LLC, fully guaranteed by Bank of America Corporation, is offering auto-callable senior unsecured notes linked to the least performing of Meta (META), Amazon (AMZN) and Broadcom (AVGO), maturing on January 25, 2029. The notes have an approximate 3-year term, no interest payments and will not be listed on any exchange.

Starting January 22, 2027, the notes are automatically called if, on any monthly observation date, each stock’s observed price is at or above 100% of its starting value, triggering payment of a fixed call amount that increases over time from $1,383.50 to $2,150.50 per $1,000.00 of principal. If the notes are never called and the least performing stock finishes at or above 60% of its starting value, investors receive principal back; if it falls more than 40%, repayment is reduced 1:1 with the decline, up to total loss of principal.

The initial estimated value is expected between $930.00 and $980.00 per $1,000.00, reflecting internal funding and hedging costs. Repayments depend on the credit of BofA Finance and BAC, and investors forgo dividends and any upside beyond the fixed call amounts.

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 Dow Jones Industrial Average, the Nasdaq-100 Technology Sector Index and the Russell 2000 Index. The notes have an approximate 23‑month term and pay a 10.15% per annum contingent coupon (about $8.459 per $1,000 monthly) only if, on each observation date, all three indexes are at or above 70% of their starting levels.

Beginning April 21, 2026, the issuer may redeem the notes monthly at $1,000 plus any due coupon, which can cut off future payments. If the notes are not called and, at maturity, the worst‑performing index is below 60% of its starting level, principal is reduced 1:1 with that decline, up to a total loss; otherwise investors receive full principal back and a final coupon if the 70% barrier is met. The notes are unsecured obligations of BofA Finance, guaranteed by BAC, not listed on any exchange, and have an initial estimated value between $940 and $990 per $1,000, below the $1,000 public offering price.

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 indexes. The notes run to January 25, 2030, with a contingent coupon of 7.00% per annum (about $5.834 per $1,000 monthly) paid only if on each observation date all three indexes are at least 70% of their starting levels. Beginning January 27, 2027, the issuer may redeem the notes monthly at par plus any due coupon.

If not called, and the worst-performing index is at least 65% of its starting level at maturity, investors receive full principal back (plus any final coupon if the 70% barrier is met). If the worst index finishes below 65%, repayment is reduced 1:1 with the decline, with up to 100% loss of principal possible. The initial estimated value is expected between $900 and $950 per $1,000 note, below the $1,000 public offering price. Payments depend on the credit of BofA Finance and Bank of America, and the notes will not be listed on an exchange.

BofA Finance LLC is offering Contingent Income Auto-Callable Securities due January 26, 2029, linked to the common stock of Wynn Resorts, Limited (WYNN) and fully and unconditionally guaranteed by Bank of America Corporation. Investors may receive a contingent quarterly coupon of at least $26.75 per $1,000 (at least 10.70% per annum) for any quarter in which the stock is at or above 60% of the initial share price. If the stock is at or above the initial share price on any of the first eleven determination dates, the notes are automatically redeemed at par plus any due coupons. If held to maturity and the final share price is below the 60% downside threshold, repayment of principal is reduced 1-for-1 with the stock decline and can fall to zero. The initial estimated value is between $917.50 and $967.50 per $1,000 note, and the securities will not be listed on any exchange.

BofA Finance LLC is offering equity-linked Accelerated Return Notes (ARNs), unsecured senior debt securities fully and unconditionally guaranteed by Bank of America Corporation. These notes are linked to a single stock, a basket of stocks, or ADRs, and all payments depend on the credit of both issuers. You receive no interest and no interim payments; all value is determined at maturity.

The return is based on the percentage change from a Starting Value to an Ending Value of the underlying “Market Measure.” Unless changed in a specific term sheet, investors get a 300% participation rate in any positive performance, but the payout is capped at a Capped Value, limiting upside versus owning the stocks directly. If the Market Measure is flat, you only receive principal. If it falls, you have 1‑to‑1 downside exposure and can lose some or all of your investment.

The notes are generally not listed on an exchange, so liquidity may be limited and sale prices can be below what you paid. The issuer expects to use proceeds to lend funds to Bank of America and its subsidiaries for general corporate purposes and to hedge its obligations. A detailed risk section highlights market risk, issuer and guarantor credit risk, conflicts of interest in hedging and market-making, structural features such as baskets and caps, and complex, uncertain U.S. federal tax treatment.

BofA Finance LLC, fully guaranteed by Bank of America Corporation, is offering Contingent Income Issuer Callable Yield Notes linked to the worst performer of the Dow Jones Industrial Average, Nasdaq-100 Index and Russell 2000 Index, maturing on October 27, 2027. The notes pay a contingent coupon of 11.30% per annum (0.9417% monthly) when, on an observation date, each index is at or above 75% of its starting level.

Beginning July 27, 2026, the issuer may redeem the notes monthly at $1,000 per note plus any due coupon. If the notes are not called and the least performing index ends below 75% of its starting level at maturity, investors are exposed to 1:1 downside and can lose up to all principal. The public offering price is $1,000 per note, with up to a $7.00 underwriting discount and an initial estimated value between $940.00 and $990.00.

BofA Finance LLC, fully guaranteed by Bank of America Corporation, is offering Contingent Income Issuer Callable Yield Notes linked to the worst performer of the Nasdaq-100, Russell 2000 and S&P 500 indexes. The notes run for about 23 months, with expected issuance on January 28, 2026 and maturity on December 29, 2027, unless called earlier.

The notes pay a contingent coupon of 8.50% per year (0.7084% monthly, or $7.084 per $1,000) only when on an observation date all three indexes are at or above 70% of their starting levels. Beginning April 28, 2026, BofA Finance may redeem the notes monthly at $1,000 per note plus any due coupon. If the notes are not called and the worst-performing index finishes below 70% of its starting value, principal is reduced 1:1 with index losses, up to a total loss. The initial estimated value is expected between $920 and $970 per $1,000, below the $1,000 public offering price, and the notes will not be listed on an exchange.

BofA Finance LLC, fully guaranteed by Bank of America Corporation, is offering Contingent Income Auto-Callable Yield Notes linked to the least performing of NVIDIA, Tesla and the VanEck Gold Miners ETF. The notes have an approximate 2‑year term, a denomination of $1,000 and pay a contingent coupon of $14.834 per $1,000 (a 17.80% annual rate) in any month when each underlying closes at or above 60.00% of its starting value.

Beginning in July 2026, the notes are automatically called if on a call observation date each underlying is at or above 100.00% of its starting value, returning principal plus that month’s coupon. If the notes are not called and, at maturity, all underlyings are below their starting values and the worst performer is below 60.00% of its starting value, repayment is reduced 1:1 with the decline in the worst underlying, with up to 100% of principal at risk. The public offering price is $1,000 per note, including up to $10 underwriting discount; initial estimated value is expected between $910 and $960 per $1,000.

BofA Finance LLC, fully guaranteed by Bank of America Corporation, is offering Contingent Income (with Memory Feature) Auto-Callable Yield Notes linked to the common stock of Uber Technologies, Inc. The notes are expected to price on January 21, 2026, be issued on January 26, 2026, and mature on January 25, 2029, unless automatically called earlier.

Investors may receive quarterly contingent coupons calculated from a $25.00 per period formula when Uber’s closing price on an Observation Date is at least 60% of its Starting Value. Starting July 21, 2026, the notes are automatically called at par plus the applicable coupon if Uber is at or above 100% of the Starting Value on any Call Observation Date. If the notes are not called and Uber falls more than 40% below the Starting Value at maturity, repayment is reduced 1:1 with the stock decline, up to a total loss of principal.

The public offering price is $1,000 per note, with proceeds to BofA Finance of $985 before expenses and an initial estimated value between $925 and $975 per $1,000. Payments depend on the credit of BofA Finance and Bank of America, the notes will not be listed on any exchange, and the filing highlights significant market, credit, liquidity, conflict-of-interest and tax risks.

BofA Finance LLC, fully guaranteed by Bank of America Corporation, is offering Capped Buffered Enhanced Return Notes linked to the iShares Silver Trust. Each $1,000 note has an approximate five-year term and provides 150.00% upside participation in SLV gains, capped at a Max Return of $3,000.00 per $1,000.00, which equals a 200.00% return over principal.

If SLV falls more than 30% from its starting level, investors lose 1% of principal for each 1% drop beyond that threshold, with up to 70% of principal at risk; otherwise principal is returned at maturity. The notes pay no periodic interest, are unsecured senior debt of BofA Finance, and are not exchange-listed, so liquidity may be limited. Initial estimated value is expected between $920.00 and $970.00 per $1,000.00, lower than the $1,000.00 public offering price, reflecting internal funding rates, dealer compensation, and hedging costs. Returns also depend on silver-related risks and complex U.S. tax treatment.

BofA Finance LLC is offering Contingent Income (with Memory Feature) Auto-Callable Yield Notes linked to the least performing of Alphabet Class C (GOOG), Amazon.com (AMZN) and Microsoft (MSFT), fully and unconditionally guaranteed by Bank of America Corporation. The notes are expected to price on January 23, 2026 and mature on January 27, 2028, unless automatically called.

Each $1,000 note pays monthly contingent coupons only if every stock is at or above 80% of its starting value, with a memory feature that can make up missed coupons when conditions are later met. Starting January 25, 2027, the notes are automatically called if all three stocks are at or above 100% of their starting values, returning $1,000 plus the applicable coupon.

If the notes are not called and all three stocks finish below their starting values and at least one ends below 50% of its starting value, repayment is reduced 1:1 with the decline of the worst stock, up to a total loss of principal. The public offering price is $1,000 per note, with an underwriting discount of $10, and the initial estimated value is expected to be between $920 and $970 per $1,000. Payments depend on the credit of BofA Finance and BAC, the notes will not be listed on any exchange, and the filing highlights significant market, structural, conflict and tax risks.

BofA Finance LLC, fully guaranteed by Bank of America Corporation, is offering 3‑year Contingent Income (with Memory Feature) Auto‑Callable Yield Notes linked to the worst performer of Amazon.com, Inc. and Monolithic Power Systems, Inc. common stock.

The Notes pay monthly contingent coupons only if each stock is at least 60% of its starting level on the observation date. The coupon formula equates to $11.875 per $1,000 per period when due, with missed coupons potentially paid later if conditions are later met. From April 20, 2026, the Notes are automatically called if both stocks are at or above 100% of their starting values, returning principal plus the applicable coupon.

If the Notes are not called and the least‑performing stock ends below 60% of its starting level, principal is reduced 1:1 with that decline, up to a total loss. The initial estimated value is $910–$970 per $1,000, below the public offering price, reflecting funding and hedging costs. The Notes are unsecured, subject to the credit risk of BofA Finance and BAC, and will not be listed on an exchange.

BofA Finance LLC, fully guaranteed by Bank of America Corporation, is offering auto-callable senior unsecured notes due February 4, 2030 linked to the least performing of the Russell 2000 Index and the S&P 500 Index. The notes have no interest payments and are not listed on any exchange.

Starting in 2027, the notes may be automatically called each year if both indices are at or above their call values, paying fixed call amounts of $1,101, $1,202 or $1,303 per $1,000. If held to maturity and both indices finish at or above their starting levels, investors receive $1,404 per $1,000. If the least performing index finishes between 70% and 100% of its starting level, only principal is repaid. Below 70%, repayment falls 1:1 with the loss in that index, up to a total loss of principal.

The preliminary initial estimated value is $920–$970 per $1,000, below the public offering price, reflecting BAC’s internal funding rate, underwriting discounts of up to $20 and referral fees of up to $8 per $1,000, and hedging-related charges. All payments are subject to the credit risk of BofA Finance and BAC.

BofA Finance LLC, fully guaranteed by Bank of America Corporation, is offering approximately 3-year Contingent Income (with Memory Feature) Auto-Callable Yield Notes linked to Amazon.com, Inc. common stock. Each Note has a $1,000 public offering price, a $25 underwriting discount and $975 in proceeds to the issuer, with an initial estimated value between $920 and $970 per Note.

Quarterly contingent coupons are paid only if Amazon’s share price on an observation date is at least 70% of its starting value, with a “memory” feature that can make up missed coupons later. Starting July 28, 2026, the Notes are automatically called if Amazon is at or above 100% of its starting value on a call observation date, returning principal plus the due coupon. If the Notes are not called and Amazon finishes below 70% of its starting value at maturity, principal is reduced 1-for-1 with the stock decline, up to a total loss. The Notes are unsecured, not listed, and all payments depend on the credit of BofA Finance and Bank of America.

BofA Finance LLC, fully guaranteed by Bank of America Corporation, is offering Contingent Income Issuer Callable Yield Notes linked to the iShares 20+ Year Treasury Bond ETF (TLT), with an approximate two-year term ending on January 26, 2028.

The Notes pay a contingent coupon at 8.75% per annum (monthly $7.292 per $1,000) only if, on each monthly Observation Date, TLT is at or above 90.00% of its Starting Value. Beginning July 24, 2026, the issuer may redeem the Notes monthly at par plus any due coupon.

If the Notes are not called and TLT has fallen more than 10% below its Starting Value at maturity, investors are exposed to 1:1 downside and can lose up to all principal; otherwise, they receive par plus any final contingent coupon. The initial estimated value is expected to be between $930 and $980 per $1,000 Note, below the public offering price, and all payments are subject to the credit risk of BofA Finance and BAC. The Notes will not be listed on any exchange and involve complex tax and market risks.

BofA Finance LLC, fully guaranteed by Bank of America Corporation, is offering auto-callable notes linked to the least performing of the Russell 2000 Index and the S&P 500 Index, with an expected term of about four years.

The notes can be automatically called each year starting in 2027 if both indices are at or above their call values, paying preset call amounts. If held to maturity and both indices finish at or above their starting levels, investors receive $1,484 per $1,000 note, but upside is capped at this level and there are no interest payments. If either index falls more than 30% from its starting level, repayment is reduced one-for-one with the decline in the worst index, putting principal at risk up to a total loss. The initial estimated value is expected between $935 and $985 per $1,000, below the $1,000 public offering price, and all payments depend on the credit of BofA Finance and Bank of America.

BofA Finance LLC, fully guaranteed by Bank of America Corporation, is offering Contingent Income Auto-Callable Yield Notes linked to the worst performer of the Nasdaq-100 Technology Sector Index, the Russell 2000 Index and the S&P 500 Index. The notes have an expected term of about five years, pricing on January 23, 2026 and maturing on January 28, 2031, unless called earlier.

The notes pay contingent monthly coupons at a rate of 7.00% per annum ($5.834 per $1,000) only when each index is at or above 75% of its starting level on the applicable observation date. Starting January 25, 2027, the notes are automatically called if each index is at or above 100% of its starting level on a call observation date, returning principal plus that month’s coupon.

If the notes are not called and any index closes below 60% of its starting level on the valuation date, repayment of principal is reduced 1:1 with the decline of the worst-performing index, up to a complete loss. The initial estimated value is expected between $910 and $960 per $1,000, below the $1,000 public offering price, reflecting underwriting discounts of up to $40.25 and hedging and funding costs. Payments depend on the credit of BofA Finance and Bank of America, and the notes will not be listed on an exchange.

BofA Finance LLC, fully guaranteed by Bank of America Corporation, is offering auto-callable structured notes linked to the S&P 500 Futures 35% Volatility Compass TCA 6% Decrement Index ER, with a price of $1,000.00 per note.

The notes have an expected term of about five years, can be automatically called quarterly starting January 19, 2027, and pay fixed call amounts between $1,165.00 and $1,783.75 per $1,000.00 if the index meets preset call levels. If the notes are not called and the index ends at or above 60% of its starting level, investors receive $1,825.00 per $1,000.00 at maturity; if it falls more than 40%, principal is exposed 1:1 to the decline, with up to 100% loss.

The initial estimated value is expected between $900.00 and $950.00 per $1,000.00, below the public offering price, reflecting internal funding and hedging costs, and there are no periodic interest payments or exchange listing. The complex underlying uses leverage, target volatility, transaction costs and a 6.00% per annum decrement, which can significantly reduce returns, and all payments are subject to the credit risk of BofA Finance and Bank of America Corporation.

Bank of America’s BofA Finance unit is offering Contingent Income Issuer Callable Yield Notes linked to three equity indexes. The notes reference the Nasdaq-100 Technology Sector Index, the Russell 2000 Index and the S&P 500 Index, and are fully and unconditionally guaranteed by Bank of America Corporation. They are expected to price on January 22, 2026 and mature on July 27, 2027, with an approximate 18‑month term if not called early.

The notes pay a contingent coupon at an annual rate of 8.00% (0.6667% per month), but only for months when the closing level of each underlying index on the observation date is at or above 75% of its starting level. Beginning April 27, 2026, the issuer may redeem the notes monthly at $1,000 per note plus any applicable contingent coupon, ending future payments.

If the notes are not called and the worst‑performing index ends below 65% of its starting level at maturity, investors are exposed to 1:1 downside and can lose up to 100% of principal; otherwise, they receive full principal back plus any final contingent coupon. The initial estimated value is expected between $920 and $970 per $1,000 note, below the $1,000 public offering price, and the notes will not be listed on any exchange.

BofA Finance LLC, fully guaranteed by Bank of America Corporation, is offering Contingent Income Buffered Issuer Callable Yield Notes linked to the worst performer of the Nasdaq-100 Technology Sector Index, the Russell 2000 Index and the Utilities Select Sector SPDR ETF. Each Note has a $1,000 denomination, an approximate two-year term to January 21, 2028, and pays a 9.00% per annum contingent coupon (0.75% monthly) only when all three underlyings are at or above 70% of their starting values on an observation date.

Beginning April 20, 2026, the issuer can redeem the Notes monthly at par plus any due coupon. If the Notes are not called and the worst-performing underlying finishes below 80% of its starting value at maturity, principal is reduced 1:1 beyond that level, with up to 80% of principal at risk; otherwise, investors receive full principal back, plus the final contingent coupon if the 70% barrier is met. The Notes are unsecured obligations subject to BofA Finance and BAC credit risk, are not listed on an exchange, and have an initial estimated value between $923.90 and $973.90 per $1,000, below the public offering price due to fees, funding and hedging factors.

BofA Finance LLC, fully guaranteed by Bank of America Corporation, is offering Contingent Income Auto-Callable Yield Notes linked to the least performing of the Nasdaq-100® Index, the Russell 2000® Index and the S&P 500® Index, with an approximate three-year term if not called early.

The notes pay a 7.50% per annum contingent coupon (0.625% monthly) only when on an observation date each index is at or above 80% of its starting level. Beginning July 27, 2026, the notes are automatically called if on a call observation date each index is at or above 100% of its starting level, returning principal plus the applicable coupon.

If the notes are not called and any index finishes below 70% of its starting level at maturity, investors are exposed to 1:1 downside in the least performing index and can lose up to all principal. The initial estimated value is expected between $900.10 and $940.10 per $1,000, below the $1,000 public offering price, with underwriting discounts up to $28.50 and proceeds to BofA Finance of $971.50 per note. Payments depend on the credit of BofA Finance and BAC, and the notes will not be listed on any exchange.

BofA Finance LLC, fully guaranteed by Bank of America Corporation, is issuing $3,000,000 of Contingent Income Buffered Issuer Callable Yield Notes linked to the worst performer of the Nasdaq‑100, Russell 2000 and S&P 500 indices, maturing October 13, 2026. The notes offer a contingent coupon of 13.00% per annum (1.0834% monthly) when each index is at or above 90% of its starting level on the observation dates. Beginning April 10, 2026, the issuer may redeem the notes monthly at par plus any due coupon, which can cap the overall income period. If held to maturity and any index has fallen more than 10%, principal is reduced 1:1 beyond that 10% buffer, with up to 90% of principal at risk; otherwise, principal is repaid. The initial estimated value is $987.90 per $1,000 note versus a $1,000 public offering price, reflecting internal funding and hedging costs. All payments depend on the credit of BofA Finance and Bank of America, and the notes will not be listed on any exchange.

BofA Finance LLC, fully guaranteed by Bank of America Corporation, is offering auto-callable notes linked to the S&P 500® Index with an approximate 3-year term and $1,000.00 minimum denominations. The notes may be automatically called starting in February 2027 if the index is at or above its starting level, paying at least $1,085.00 per $1,000.00 then, or at least $1,170.00 if called on the second observation date.

If not called and the index on the valuation date is at or above its starting level, holders will receive at least $1,255.00 per $1,000.00 at maturity. If the index finishes below the starting level, investors are exposed to 1:1 downside and can lose up to 100% of principal. The notes pay no periodic interest, are unsecured senior obligations of BofA Finance guaranteed by BAC, will not be listed on an exchange, and have an initial estimated value between $920.00 and $970.00 per $1,000.00, below the $1,000.00 public offering price, reflecting underwriting discounts and hedging costs.

BofA Finance LLC, fully guaranteed by Bank of America Corporation, is offering 3-year Contingent Income Issuer Callable Yield Notes linked to the worst performer of the Nasdaq-100, Russell 2000 and S&P 500 indexes. Investors receive quarterly contingent coupons at a rate of at least 9.50% per annum (at least $23.75 per $1,000) only if each index is at or above 70% of its starting level on the relevant observation date. Beginning in July 2026, the issuer may redeem the notes quarterly at par plus any due coupon. If the notes are not called and the worst-performing index finishes below 65% of its starting value at maturity in January 2029, repayment is reduced 1:1 with index losses, up to a total loss of principal. The initial estimated value is expected to be $930–$980 per $1,000 note, less than the $1,000 public offering price, and the notes will not be listed on an exchange.

BofA Finance LLC, fully guaranteed by Bank of America Corporation, is offering contingent income auto-callable yield notes linked to the common stock of Broadcom Inc. (AVGO), scheduled to mature on January 19, 2029 if not called earlier. The notes are sold in $1,000 denominations at a public offering price of $1,000, with proceeds to BofA Finance of $975 per note before expenses. The initial estimated value is expected between $920 and $970 per $1,000.

Investors may receive quarterly contingent coupon payments of between $28.75 and $31.25 per $1,000 per period (actual rate set on the pricing date) when AVGO’s observation value is at least 50% of its starting value, with a “memory” feature that can make up missed coupons if the barrier is later met. Beginning July 15, 2026, the notes are automatically called if AVGO is at or above 100% of its starting value, paying back principal plus the applicable coupon. If held to maturity and AVGO has fallen more than 50% from its starting value, repayment is reduced 1:1 with the stock decline, up to a total loss of principal. All payments depend on the credit of BofA Finance and Bank of America, and the notes will not be listed on any exchange.

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® Technology Sector Index, the Russell 2000® Index and the S&P 500® Index. The notes have an approximate 23‑month term, a denomination of $1,000.00 and a public offering price of $1,000.00 per note.

The notes pay a contingent coupon of 9.00% per annum (0.75% per month), but only if on each monthly Observation Date the closing level of every index is at or above 70.00% of its Starting Value. Beginning April 20, 2026, the issuer may redeem the notes monthly at $1,000.00 per note plus any due coupon. If held to maturity and any index has fallen by more than 30% from its Starting Value, repayment of principal is reduced 1:1 with the decline in the worst‑performing index, up to a total loss. The initial estimated value is expected to be between $920.00 and $970.00 per $1,000.00, and all payments are subject to the credit risk of BofA Finance and BAC.

Bank of America’s BofA Finance LLC is offering auto-callable structured notes linked to the worst performer of the EURO STOXX 50 Index and the iShares MSCI EAFE ETF. The notes have an expected 5-year term, no periodic interest, and are unsecured senior obligations of BofA Finance, fully and unconditionally guaranteed by Bank of America Corporation.

Starting January 25, 2027, the notes are automatically called quarterly if on a call observation date both underlyings are at or above 100% of their starting values, paying the applicable call amount (from $1,081.50 up to $1,387.125 per $1,000). If not called, and at maturity both underlyings are at or above their starting values, investors receive $1,407.50 per $1,000.

If the notes are not called and the least performing underlying finishes below 75% of its starting value, repayment is reduced 1:1 with the decline and up to 100% of principal can be lost; if it is between 75% and 100%, principal is returned. The initial estimated value is expected between $910 and $960 per $1,000, below the $1,000 public offering price, reflecting internal funding, underwriting discounts and hedging-related costs, and the notes will not be listed on any exchange.

BofA Finance LLC, fully and unconditionally guaranteed by Bank of America Corporation, is offering 10.00% Issuer Callable Daily Range Accrual Notes linked to the 10‑Year CMT Rate, maturing on July 20, 2032. These senior unsecured notes pay quarterly interest at a variable rate equal to the 10.00% Base Rate multiplied by N/D, where N is the number of U.S. Government Securities Business Days in the period when the CMT Rate is between 0.00% and 4.60%, and D is the total such business days. If the CMT Rate is below 0.00% or above 4.60% for all days in an interest period, no interest is paid for that quarter. The notes are callable at the issuer’s option at 100% of principal plus accrued interest on each quarterly interest payment date from January 20, 2027 through April 20, 2032. The public offering price is $1,000 per note, with an underwriting discount of $7.50 and proceeds to BofA Finance of $992.50 per $1,000. The notes are not FDIC insured, will not be listed on an exchange, and secondary market liquidity and pricing are uncertain.

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.

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.