Bank of America SEC Filings

Bank of America Finance LLC, guaranteed by BAC, is offering approximately 3-year Contingent Income Issuer Callable Yield Notes linked to the least performing of the Nasdaq-100® Technology Sector Index, the Russell 2000® Index and the State Street® Energy Select Sector SPDR® ETF. The public offering price is $1,000.00 per Note, with total proceeds of $10,978,000.00 before expenses and an underwriting discount of $9.00 per Note.

The Notes pay a contingent coupon of $10.00 per $1,000.00 (1.00% per month, 12.00% per annum) on monthly Observation Dates only if each underlying stays at or above its Coupon Barrier, set at 70.00% of its Starting Value. Principal repayment at maturity depends on the least performing underlying: if it is at or above its Threshold Value (55.00% of its Starting Value), investors receive $1,000.00 plus any final coupon; if it is below that level, repayment falls in line with the underlying’s loss and investors can lose up to 100.00% of principal.

The issuer may call the Notes on specified quarterly Call Payment Dates at $1,000.00 per Note plus any due coupon if all underlyings meet their Coupon Barriers. The initial estimated value is $983.10 per $1,000.00, lower than the public offering price due to internal funding rates, underwriting discounts, referral fees and hedging-related charges. All payments are subject to the credit risk of BofA Finance as issuer and BAC as guarantor, and the product carries detailed structure, market, conflict, underlying and tax-related risks.

BofA Finance, fully guaranteed by Bank of America Corporation, is offering senior unsecured Digital Return Notes linked to the least performing of the Invesco S&P 500® Equal Weight ETF (RSP), the Nasdaq-100® Technology Sector Index (NDXT) and the SPDR® S&P Regional Banking ETF (KRE).

The Notes have an approximate 13‑month term. If, on the valuation date in January 2027, the least performing underlying is at or above 60% of its starting value, holders receive a fixed Digital Payment of $1,103.50 per $1,000 principal, a 10.35% return. If the least performing underlying finishes below its 60% threshold, the redemption amount is reduced in line with that underlying’s loss, and investors can lose up to 100% of principal.

The public offering price is $1,000.00 per Note, with proceeds before expenses of $997.80 to BofA Finance after a $2.21 underwriting discount. The initial estimated value on the pricing date is expected to be between $905.00 and $975.00 per $1,000, reflecting internal funding rates and hedging-related charges. Payments depend on the credit risk of BofA Finance and BAC.

BofA Finance, fully guaranteed by Bank of America Corporation (BAC), is offering Variable Income Auto-Callable Yield Notes linked to the least performing of Affirm (AFRM), Palantir (PLTR) and Tesla (TSLA) common stock. The Notes have a term of approximately five years, are issued in $1,000 denominations and return principal at maturity if not called, subject to issuer and guarantor credit risk.

Investors receive monthly coupons that depend on the least performing stock. If its observation value is at or above 75% of its starting value, the Notes pay a Maximum Coupon of $6.875 per $1,000 (0.6875% per month, 8.25% per year); otherwise they pay a Minimum Coupon of $0.2084 per $1,000 (0.02084% per month, 0.25% per year. Beginning with the December 29, 2026 observation date, the Notes are automatically called if the least performing stock is at or above 100% of its starting value, returning $1,000 plus the applicable coupon.

The public offering price is $1,000 per Note, with an underwriting discount up to $37.50, resulting in issuer proceeds as low as $962.50 per $1,000. The initial estimated value is expected between $910 and $960 per $1,000, reflecting BAC’s internal funding rate, hedging costs and selling concessions.

BofA Finance, fully guaranteed by Bank of America Corporation, is offering senior unsecured Digital Return Notes linked to the least performing of Meta Platforms Class A, Apple common stock, and NVIDIA common stock. The Notes have a term of approximately 13 months, are issued in $1,000.00 minimum denominations, and pay a fixed digital return if conditions are met.

If, on the Valuation Date, the Ending Value of the least performing underlying stock is at or above its Threshold Value (60.00% of its Starting Value for each name), investors receive a Digital Payment of $1,200.00 per $1,000.00, representing a 20.00% return. If the least performing stock finishes below its Threshold Value, the Redemption Amount falls in line with the stock’s loss, and can be less than 60.00% of principal, down to zero, meaning investors could lose their entire investment.

The public offering price is $1,000.00 per Note, with an underwriting discount of $2.20 and proceeds before expenses of $997.80 to BofA Finance. The initial estimated value is $985.50 per $1,000.00, reflecting BAC’s internal funding rate, underwriting discount, and hedging-related charges. Payments depend on the credit risk of BofA Finance and BAC, and investors do not receive dividends on the underlying stocks.

BofA Finance, fully guaranteed by Bank of America Corporation, is offering Buffered Digital Return Notes linked to the S&P 500® Index. The notes have a term of approximately 13 months with a minimum denomination of $1,000.00 and total public offering size of $2,375,000.00.

The notes pay a fixed Digital Payment of $1,084.00 per $1,000.00 (an 8.40% return) if, on the valuation date, the S&P 500® Index closing level is at or above the Starting Value of 6,827.41. If the index is below the Starting Value but at or above the Threshold Value of 5,803.30 (85.00% of the Starting Value), investors receive only their principal back. If the index closes below the Threshold Value, repayment is reduced in line with the index decline beyond the 15% buffer, and investors could lose up to 85.00% of their investment.

The initial estimated value of the notes on the pricing date is $988.20 per $1,000.00, less than the public offering price. All payments are subject to the credit risk of BofA Finance as issuer and BAC as guarantor, and the notes do not pay dividends on S&P 500® stocks.

BofA Finance, 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. Each Note has a $1,000.00 denomination and public offering price, with an initial estimated value of $985.30 per $1,000.00, reflecting internal funding and hedging-related costs.

Investors may receive a contingent monthly coupon of $7.625 per $1,000.00 (0.7625% per month, 9.15% per annum) only if on each observation date all three indices are at or above their coupon barriers set at 70% of starting levels. BofA Finance may redeem the Notes early on specified monthly call dates at $1,000.00 per Note plus any due coupon if the barrier condition is met.

If the Notes are not called and, at maturity, the least performing index closes below its 60% threshold value, the redemption amount per $1,000.00 will be less than 60% of principal and could be zero, meaning up to 100% loss of invested principal. All payments depend on the credit risk of BofA Finance as issuer and BAC as guarantor.

BofA Finance LLC, guaranteed by Bank of America Corporation, is offering S&P 500® Index-linked notes that do not pay interest and return depends entirely on index performance. Each note has a $1,000 face amount, with $1,475,000 total offered, and an initial underlier level of 6,800.26. At maturity on March 17, 2027, investors receive up to a capped maximum of $1,123 per $1,000 if the index rises, reflecting a 200% upside participation subject to a cap at 106.15% of the initial level.

The structure includes a 10% downside buffer: if the S&P 500® is down by 10% or less, investors receive their face amount. Below that buffer, losses are magnified by a buffer rate of approximately 111.111%, so investors can lose some or all principal. The notes are unsecured obligations of BofA Finance, fully and unconditionally guaranteed by BAC, will not be listed on an exchange, and have an initial estimated value of $981.70 per $1,000, below the 100% public offering price.

Bank of America’s BofA Finance is offering auto-callable notes linked to the S&P 500 Futures 35% Volatility Compass TCA 6% Decrement Index ER, maturing in December 2030. The notes have an approximate five-year term and are automatically called quarterly starting in December 2026 if the index is at or above preset call values, paying call amounts that rise from $1,162.50 to $1,771.875 per $1,000 of principal.

If the notes are not called and the index ends at or above 60% of its starting level, investors receive a fixed $1,812.50 per $1,000 at maturity. If the index falls more than 40% from its starting level, repayment is reduced 1:1 with the decline, and principal can be fully lost. The notes pay no periodic interest, are unsecured obligations of BofA Finance guaranteed by Bank of America Corporation, and will not be listed on an exchange. The public offering price is $1,000 per note, with proceeds of $992.50 per note to BofA Finance and an initial estimated value of $924.80.

Bank of America Corporation is offering $7,500,000 of senior unsecured Fixed Rate Callable Notes due December 18, 2045. The notes are issued in minimum denominations of $1,000, pay a fixed interest rate of 5.25% per annum, and pay interest semi-annually on June 18 and December 18, starting June 18, 2026.

Bank of America may redeem all of the notes at 100% of principal plus accrued interest on December 18, 2028 and on each subsequent semi-annual Call Date through June 18, 2045, which creates reinvestment risk if rates fall. The public offering price is 100% of principal, with an underwriting discount of 2.00%, resulting in $7,350,000 in proceeds to BAC before expenses. The notes are not bank deposits, are not FDIC-insured, will not be listed on any exchange, and carry BAC’s credit risk and potential liquidity and market value risks.