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Bank of America Corporation (BAC), via BofA Finance, is offering capped return senior unsecured notes linked to the least-performing of three equity indices: the Market Guard Top 100 Index (MGX100), the Nasdaq‑100 Index (NDX) and the S&P 500 Index (SPX). The notes have a term of approximately 18 months, with a pricing date of November 21, 2025 and maturity on May 26, 2027.
The notes are issued in $1,000 denominations at a public offering price of $1,000 per note, with an underwriting discount of $2.50 and proceeds to BofA Finance of $997.50 per note, or $926,000 total offering and $923,685 total proceeds. The maximum payoff is capped at $1,095.50 per $1,000 (a 9.55% return). If the ending level of the least‑performing index is at or below its starting level, investors receive $1,000 at maturity.
The initial estimated value is $982.90 per $1,000 note, below the public offering price, reflecting BAC’s internal funding rate, underwriting discount and hedging‑related charges. Payments depend on the credit of BofA Finance as issuer and BAC as guarantor; the notes do not pay dividends and expose holders to complex tax treatment as contingent payment debt instruments.
BofA Finance, fully guaranteed by Bank of America Corporation, is offering senior unsecured Contingent Income (with Memory Feature) Issuer Callable Yield Notes linked to the S&P 500 Index with an approximately 3‑year term. The public offering price is $1,000.00 per Note, with total proceeds of $832,912.50 before expenses, and an initial estimated value of $983.70 per $1,000.00, reflecting internal funding and hedging costs.
The Notes pay a monthly contingent coupon of $6.375 per $1,000.00 when the S&P 500 closing level on the Observation Date is at or above the Coupon Barrier of 4,622.09, equal to 70.00% of the Starting Value of 6,602.99. Missed coupons may be “caught up” later via the memory feature if a future Observation Date meets the barrier condition. BofA Finance may redeem the Notes early on specified Call Payment Dates at $1,000.00 per Note plus any due contingent coupon if the barrier test is met.
If the Notes are not called and the Ending Value on the Valuation Date is at or above the Threshold Value of 4,622.09, investors receive $1,000.00 plus any final contingent coupon. If the Ending Value is below the Threshold Value, repayment is reduced in line with index loss and can be as low as $0, meaning up to 100.00% of principal can be lost. Payments depend on the credit risk of BofA Finance and BAC, and investors do not receive any dividends from S&P 500 constituent stocks.
Bank of America (via BofA Finance) is offering 5‑year Contingent Income Buffered Auto‑Callable Yield Notes linked to the least performing of the VanEck Gold Miners ETF (GDX) and the iShares Silver Trust (SLV). Each Note has a $1,000.00 denomination, with a public offering price of $1,000.00, an underwriting discount of $37.50 and proceeds to BofA Finance of $962.50 per Note. The initial estimated value on the pricing date is expected between $910.00 and $960.00 per $1,000.00, reflecting internal funding and hedging costs.
Investors may receive monthly contingent coupons of $8.334 per $1,000.00 (0.8334%) only if, on an Observation Date, both underlyings are at or above their Coupon Barriers, set at 80.00% of their respective Starting Values; missed coupons can be partially recovered later via a memory feature. Beginning December 22, 2026, the Notes are automatically called if both underlyings are at or above their Call Values (100.00% of Starting Values), paying $1,000.00 plus the applicable coupon.
If not called, at maturity investors receive $1,000.00 per Note only if the Ending Value of the least performing underlying is at or above its Threshold Value of 85.00% of its Starting Value; otherwise, principal is reduced in line with the decline of that least performing underlying and investors can lose up to 85.00% of their investment. All payments depend on the credit risk of BofA Finance as Issuer and Bank of America Corporation as Guarantor and do not include any dividends or distributions from GDX or SLV.
BofA Finance LLC, guaranteed by Bank of America, is offering approximately 3.5‑year Contingent Income Issuer Callable Yield Notes linked to the worst performer of the Nasdaq‑100 Index, Russell 2000 Index and Utilities Select Sector SPDR Fund. The notes pay a contingent coupon of $7.084 per $1,000 (0.7084% monthly, 8.50% per year) on scheduled dates only if each underlying is at or above its coupon barrier, set at 70% of its starting value.
The issuer may redeem the notes early on monthly call dates at $1,000 plus any due coupon. If held to maturity and the least‑performing underlying is at or above its 50% threshold, investors receive full principal back plus any final coupon; if it finishes below the threshold, repayment is reduced in line with the loss in that underlying, up to a 100% loss of principal. The initial estimated value is $971.60 per $1,000, below the $1,000 public offering price, reflecting BAC’s internal funding rate, dealer discounts and hedging costs. All payments are subject to the credit risk of BofA Finance and Bank of America and do not include any dividends from the indices or ETF.
BofA Finance LLC, guaranteed by Bank of America Corporation, is offering Fixed Income 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 a term of approximately 12 months, with a pricing date of November 21, 2025 and a maturity date of November 27, 2026.
Holders receive a fixed coupon of $7.959 per $1,000 in principal each month (a 0.7959% monthly rate, equal to 9.55% per annum), paid regardless of index performance. At maturity, if the least performing index is at or above 70% of its starting level, investors receive full principal plus the final coupon. If it is below 70%, principal is reduced in line with the index loss and up to 100% of principal can be lost, though the final coupon is still paid.
The initial estimated value is $986.00 per $1,000 note, below the $1,000 public offering price, reflecting BAC’s internal funding rate, underwriting discounts and hedging-related charges. Payments depend on the credit risk of BofA Finance as issuer and BAC as guarantor.
BofA Finance, guaranteed by Bank of America (BAC), is issuing approximately three-year auto-callable notes linked to SPDR® Gold Shares (GLD). Each Note has a $1,000 denomination, a public offering price of $1,000.00 and an initial estimated value of $982.00, reflecting BAC’s internal funding rate, underwriting discount and hedging-related charges.
The Notes can be automatically called if GLD’s observation value is at or above $374.27 on specified Call Observation Dates, paying Call Amounts of $1,122.50 in 2026 or $1,245.00 in 2027 per $1,000.00 Note. If not called and GLD’s ending value is at or above the $374.27 Redemption Barrier on the Valuation Date, holders receive $1,367.50 per $1,000.00 Note; if GLD finishes below the barrier, repayment falls in line with GLD’s decline and can be reduced to zero, so principal is not protected.
The offering totals $918,000.00 in public offering price, with $915,705.00 in proceeds to BofA Finance before expenses. Payments depend on the performance of GLD and the credit risk of BofA Finance and BAC. The Notes are unsecured, unsubordinated debt obligations and are not insured by the FDIC. Complex U.S. tax rules may apply, including potential constructive ownership and Section 1260 considerations.
BofA Finance LLC, fully guaranteed by Bank of America Corporation, is offering $15,771,000 of Contingent Income Auto-Callable Securities linked to Wells Fargo & Company common stock (WFC), maturing November 27, 2028. Each security has a $1,000 principal amount and may pay a contingent quarterly coupon of $27.525 per security (11.01% per annum) only if WFC’s price on the relevant determination date is at or above the downside threshold of $58.18 (70% of the $83.11 initial share price).
If on any of the first eleven quarterly determination dates the stock is at or above the initial share price, the notes are automatically redeemed for $1,000 plus the applicable coupon. If not called and, at maturity, WFC is at or above the downside threshold, investors receive $1,000 plus the final coupon. If at maturity WFC is below the threshold, the payout is reduced 1-for-1 with the stock’s decline, and can be as low as zero, meaning principal is fully at risk and investors may receive no coupons.
The securities are unsecured senior debt of BofA Finance, guaranteed by BAC, and are not FDIC insured. The initial estimated value is $973.50 per $1,000, reflecting internal funding and hedging costs, and the notes will not be listed on any securities exchange.
BofA Finance LLC, fully guaranteed by Bank of America Corporation, is offering $4,531,000 of Market Linked, principal-at-risk Securities due November 27, 2028. These $1,000-denomination notes pay no interest and are linked to the S&P 500 Index, the Nasdaq-100 Technology Sector Index, and Meta Platforms, Inc. Class A common stock, based on the worst performer at each observation date.
The notes are auto-callable: if on any Call Date the lowest performing underlying is at or above its starting value, investors receive $1,000 plus a fixed call premium, starting at 22.000% on November 27, 2026 and rising on a simple basis to 66.000% if called at final observation. If never called, at maturity investors receive $1,000 only if the lowest performer is at or above 70% of its starting value; otherwise repayment is reduced in full proportion to that decline, down to a possible total loss.
The initial estimated value is $994.70 per $1,000 Security, below the public offering price of $1,000, reflecting dealer discounts, hedging and the issuer’s funding rate. The Securities are unsecured obligations of BofA Finance, guaranteed by BAC, are not FDIC insured, and will not be listed on any securities exchange.
BofA Finance, fully guaranteed by Bank of America Corporation, is offering auto-callable notes linked to the least performing of the Dow Jones Industrial Average, the Nasdaq-100 Technology Sector Index and the Russell 2000 Index, with a total public offering price of $3,863,000.00.
The notes have an approximate 5-year term, may be automatically called starting November 30, 2026, and pay fixed call amounts per $1,000.00 of principal ranging from $1,151.00 to $1,604.00 if all three indices are at or above their call values on the relevant observation dates. If not called, investors receive at maturity either $1,755.00 per $1,000.00 if the least performing index is at or above its redemption barrier, full principal back if it is between the threshold value and redemption barrier, or a reduced amount if it falls below the threshold, with potential loss of up to 100.00% of principal.
The initial estimated value is $974.50 per $1,000.00, reflecting internal funding and hedging costs, and all payments are subject to the credit risk of BofA Finance and Bank of America Corporation, as well as extensive structural, market, underlying and tax risks highlighted in the risk factors.
Bank of America’s BofA Finance is offering 18‑month Contingent Income Issuer Callable Yield Notes linked to the worst performer of three major equity indexes: the Nasdaq‑100 Technology Sector Index, the Russell 2000 Index and the S&P 500 Index. The notes pay a monthly contingent coupon of $9.292 per $1,000 (0.9292% per month, 11.15% per annum) whenever each index closes at or above its coupon barrier, set at 70.00% of its starting level.
The issuer may redeem the notes on specified monthly call dates at $1,000 per note plus any due contingent coupon. If the notes are not called and the least performing index ends below its 70.00% threshold value at maturity, the redemption amount will be less than 70.00% of principal and investors can lose up to 100.00% of their investment.
The notes are senior unsecured obligations of BofA Finance, fully and unconditionally guaranteed by Bank of America Corporation. The initial estimated value is $969.10 per $1,000, lower than the $1,000 public offering price, reflecting internal funding rates, underwriting discounts and hedging‑related charges.