Bank of America SEC Filings

BofA Finance, 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 Index, the Russell 2000 Index, SPDR Gold Shares (GLD) and iShares 20+ Year Treasury Bond ETF (TLT).

Investors may receive monthly contingent coupon payments of $8.75 per $1,000 (10.50% per annum) only if on each observation date every underlying is at or above its 70% coupon barrier. At maturity, if the notes are not called and the worst-performing underlying is at or above its 60% threshold, principal is repaid (plus any final coupon); if it finishes below 60%, repayment is reduced in line with that loss, up to a total loss of principal.

The issuer can redeem the notes early on specified monthly call dates at $1,000 plus any due coupon. The initial estimated value is expected to be between $940 and $990 per $1,000, below the public offering price of $1,000, reflecting internal funding rates, underwriting discounts and hedging costs. All payments depend on the credit risk of BofA Finance and BAC.

BofA Finance, guaranteed by Bank of America Corporation, is offering approximately 18‑month Capped Buffered Return Notes linked to the S&P 500 FC TCA 0.50% Decrement Index ER. These unsecured senior notes are designed to provide equity-linked exposure with both a cap on upside and partial downside protection.

Investors pay a public offering price of $1,000.00 per note, while the initial estimated value on the pricing date is expected to range between $930.00 and $980.00 per $1,000.00, reflecting internal funding and hedging costs. The notes cap maximum payment at $1,260.00 per $1,000.00, a 26.00% maximum return, and include a downside buffer so that full principal is repaid if the index ending level is at or above 85.00% of its starting level.

If the index falls below 85.00% of its starting level at valuation, repayment is reduced in line with the loss beyond that threshold, and investors could lose up to 85.00% of principal. Returns also depend on the performance of a risk‑controlled excess return index that subtracts borrowing, carry, and ongoing 0.50% per annum carry and transaction costs, as well as the credit risk of BofA Finance and BAC.

BofA Finance, guaranteed by Bank of America Corporation, is offering approximately 3-year auto-callable notes linked to the worst performer of the S&P 500 Index and the Energy Select Sector SPDR ETF. Each Note has a $1,000 principal amount, with a public offering price of $1,000 and an initial estimated value of $964.90, and total public offering proceeds of $9,485,000 before expenses.

The Notes may be automatically called quarterly from June 2026 through September 2028 if both underlyings are at or above preset call levels, paying call amounts that rise from $1,061 to $1,335.50 per $1,000. If not called, and the worst underlying finishes at or above 90% of its starting level, investors receive $1,366 per $1,000; if it finishes between 70% and 90%, principal is returned; below 70%, repayment falls below 70% and up to 100% of principal can be lost. Payments depend on the credit of BofA Finance and BAC and do not include any dividends from the index or ETF. The issuer highlights that its internal funding rate, underwriting discount and hedging costs make the initial estimated value lower than the offering price.

BofA Finance is offering Contingent Income (with Memory Feature) Auto-Callable Yield Notes linked to the Class C common stock of Dell Technologies Inc., with a total public offering price of $6,062,000.00, fully and unconditionally guaranteed by Bank of America Corporation. The notes have approximately a 3-year term, $1,000.00 minimum denominations, a Starting Value of $130.51, and both a Coupon Barrier and Threshold Value of $65.26, which is 50.00% of the Starting Value.

On each quarterly Observation Date, if Dell’s Observation Value is at or above the Coupon Barrier, holders receive a contingent coupon of $29.575 per $1,000.00 note, with a memory feature that can make up prior missed coupons. Beginning June 15, 2026, the notes are automatically called if the Observation Value is at or above the $130.51 Call Value, paying $1,000.00 plus the applicable coupon. If at maturity Dell’s Ending Value is below the Threshold Value, the Redemption Amount falls with the stock and can be reduced to $0.000, meaning up to 100.00% loss of principal.

The initial estimated value is $961.50 per $1,000.00 note, below the $1,000.00 public offering price, reflecting BAC’s internal funding rate, underwriting discount, and hedging-related charges. All payments depend on the credit risk of BofA Finance as issuer and BAC as guarantor.

BofA Finance, guaranteed by Bank of America Corporation, is offering capped buffered enhanced return notes linked to the S&P 500® Equal Weight Index (SPW). The notes have an expected term of about two years, from a pricing date on December 19, 2025 to maturity on December 23, 2027.

For each $1,000 note, investors receive 200% of any positive index return, up to a maximum repayment of at least $1,200, so gains are capped at a minimum of 20%. If the index ends at or above 90% of its starting level, principal is repaid in full; below this 10% buffer, principal is reduced in line with further index losses, and up to 90% of the investment can be lost.

The initial estimated value is expected to be $930.10–$980.10 per $1,000 note, less than the $1,000 public offering price, reflecting Bank of America’s internal funding rate, underwriting discounts, referral fees and hedging-related costs. All payments depend on the credit of BofA Finance as issuer and BAC as guarantor.

BofA Finance LLC, guaranteed by Bank of America Corporation, is offering unsecured, S&P 500® Index-linked notes that do not pay interest and whose return depends entirely on index performance over approximately 17 to 20 months.

For each $1,000 face amount, if the final index level is at or above 90.00% of the initial level, holders receive a fixed Threshold Settlement Amount expected to be between $1,113.00 and $1,132.90, capping upside even if the index rises substantially. If the index falls more than 10.00%, repayment is reduced on a leveraged basis using a Buffer Rate of approximately 111.111%, and investors can lose some or all principal. The notes will not be listed, carry the credit risk of both BofA Finance and BAC, have an initial estimated value between $962.30 and $992.30 per $1,000, and are sold at 100.00% of face amount with no underwriting discount.

BofA Finance, fully guaranteed by Bank of America Corporation, is offering Contingent Income (with Memory Feature) Auto-Callable Yield Notes linked to the worst performer among Meta (META), Netflix (NFLX), Oracle (ORCL) and lululemon (LULU). The notes have an expected term of about five years and a public offering price of $1,000.00 per note, with underwriting discounts of $40.00 and proceeds of $960.00 per note to BofA Finance.

Investors may receive monthly contingent coupons of $15.584 per $1,000.00 note, but only if on each observation date all four stocks are at or above 65% of their starting value; missed coupons can be partially recovered later through a “memory” feature. Beginning June 23, 2026, the notes are automatically called if all stocks are at or above 90% of their starting value, returning $1,000.00 plus the applicable coupon.

If the notes are not called, principal repayment at maturity depends on the lowest-performing stock. If that stock finishes at or above 50% of its starting value, investors receive full principal back (plus any final coupon if it is at or above the 65% barrier). If it ends below 50%, repayment is reduced one-for-one with the loss in that stock and can fall to zero, meaning a complete loss of principal. The initial estimated value is expected to be between $900.00 and $950.00 per $1,000.00 note, reflecting internal funding and hedging costs, and all payments are subject to the credit risk of BofA Finance and BAC.

BofA Finance, guaranteed by Bank of America, 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 S&P 500 Index. The initial estimated value is expected to be between $910 and $960 per $1,000 note, below the public offering price.

Investors may receive a contingent coupon of $7.084 per $1,000 each month (0.7084% monthly, 8.5% per annum) if on the observation date all three indices are at or above 70% of their starting levels. The issuer can redeem the notes monthly at $1,000 plus any due coupon. If held to maturity and the least performing index finishes below 65% of its starting level, repayment will be reduced and investors can lose up to all of their principal.

BofA Finance LLC, fully guaranteed by Bank of America Corporation, is offering market-linked, auto-callable notes tied to the lowest performer of the Russell 2000, S&P 500 and EURO STOXX 50 indexes. Each Security has a $1,000 denomination, no periodic interest and may redeem early if the lowest-performing index on a Call Date is at or above its starting level.

If auto-called, holders receive $1,000 plus a fixed Call Premium that starts at at least 13.700% on January 5, 2027 and steps up to at least 41.100% by the final Call Date on January 2, 2029. If the notes are not called, principal is protected only down to 75% of the starting level; below that, repayment is reduced one-for-one with the index loss and can fall to zero. The public offering price is $1,000 per Security, with proceeds to BofA Finance of $974.25 before expenses, and the initial estimated value is expected to range from $904.25 to $964.25, all subject to the credit risk of BofA Finance and BAC.