# EDGAR Filing Document

**Accession Number:** 0001682472
**File Stem:** 0001918704-26-005628
**Filing Date:** 2026-3
**Character Count:** 45653
**Document Hash:** dc27db8505422e663336ac4c1f94ed39
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001918704-26-005628.hdr.sgml**: 20260302

**ACCESSION NUMBER**: 0001918704-26-005628

**CONFORMED SUBMISSION TYPE**: 424B2

**PUBLIC DOCUMENT COUNT**: 17

**FILED AS OF DATE**: 20260302

**DATE AS OF CHANGE**: 20260302

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** BofA Finance LLC
- **CENTRAL INDEX KEY:** 0001682472
- **STANDARD INDUSTRIAL CLASSIFICATION:** NATIONAL COMMERCIAL BANKS [6021]
- **ORGANIZATION NAME:** 02 Finance
- **EIN:** 813167494
- **STATE OF INCORPORATION:** DE
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 424B2
- **SEC ACT:** 1933 Act
- **SEC FILE NUMBER:** 333-290665-01
- **FILM NUMBER:** 26707911

**BUSINESS ADDRESS:**
- **STREET 1:** 100 NORTH TRYON STREET
- **STREET 2:** NC1-007-06-10
- **CITY:** CHARLOTTE
- **STATE:** NC
- **ZIP:** 28202
- **BUSINESS PHONE:** 704-386-4175

**MAIL ADDRESS:**
- **STREET 1:** 100 NORTH TRYON STREET
- **STREET 2:** NC1-007-06-10
- **CITY:** CHARLOTTE
- **STATE:** NC
- **ZIP:** 28202
**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** BANK OF AMERICA CORP /DE/
- **CENTRAL INDEX KEY:** 0000070858
- **STANDARD INDUSTRIAL CLASSIFICATION:** NATIONAL COMMERCIAL BANKS [6021]
- **ORGANIZATION NAME:** 02 Finance
- **EIN:** 560906609
- **STATE OF INCORPORATION:** DE
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 424B2
- **SEC ACT:** 1933 Act
- **SEC FILE NUMBER:** 333-290665
- **FILM NUMBER:** 26707912

**BUSINESS ADDRESS:**
- **STREET 1:** BANK OF AMERICA CORPORATE CENTER
- **STREET 2:** 100 N TRYON ST
- **CITY:** CHARLOTTE
- **STATE:** NC
- **ZIP:** 28255
- **BUSINESS PHONE:** 7043868486

**MAIL ADDRESS:**
- **STREET 1:** BANK OF AMERICA CORPORATE CENTER
- **STREET 2:** 100 N TRYON ST
- **CITY:** CHARLOTTE
- **STATE:** NC
- **ZIP:** 28255

**FORMER COMPANY:**
- **FORMER CONFORMED NAME:** BANKAMERICA CORP/DE/
- **DATE OF NAME CHANGE:** 19981022

**FORMER COMPANY:**
- **FORMER CONFORMED NAME:** NATIONSBANK CORP
- **DATE OF NAME CHANGE:** 19920703

**FORMER COMPANY:**
- **FORMER CONFORMED NAME:** NCNB CORP
- **DATE OF NAME CHANGE:** 19920107

&nbsp;&nbsp;&nbsp; **Filed Pursuant to Rule 424(b)(2)<br>Registration Statement No. 333-290665 and 333-**<br> **290665-01<br>(To Prospectus dated December 8, 2025,<br>Prospectus Supplement dated** **December 8, 2025 and<br>Product Supplement COMM LIRN-1** <br> **dated February 13, 2026)**<br>

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| | | |
|:---|:---|:---|
| &nbsp;&nbsp;&nbsp; 111,101 Units<br>$10 principal amount per unit<br>CUSIP No. 05612Q721<br> ![](image_001.jpg) | &nbsp;&nbsp;&nbsp;&nbsp; Pricing Date<br>Settlement Date<br>Maturity Date | &nbsp;&nbsp; February 26, 2026<br>March 5, 2026<br>August 27, 2027 |
| &nbsp;&nbsp;&nbsp; 111,101 Units<br>$10 principal amount per unit<br>CUSIP No. 05612Q721<br> ![](image_001.jpg) |  |  |
| &nbsp;&nbsp; **BofA Finance LLC**<br> **Leveraged Index Return Notes<sup>®</sup>** **Linked to the** **London Metals Exchange Copper Spot Price**<br> **Fully and Unconditionally Guaranteed by Bank of America Corporation**<br> ■Maturity of approximately 18 months<br> ■110.20% leveraged upside exposure to increases in the Market Measure<br> ■1-to-1 downside exposure to decreases in the Market Measure, with up to 100.00% of your principal at risk<br> ■All payments occur at maturity and are subject to the credit risk of BofA Finance LLC, as issuer of the notes, and the credit risk of Bank of America Corporation, as guarantor of the notes<br> ■No periodic interest payments<br> ■In addition to the underwriting discount set forth below, the notes include a hedging-related charge of $0.05 per unit. See "Structuring the Notes"<br> ■Limited secondary market liquidity, with no exchange listing | &nbsp;&nbsp; **BofA Finance LLC**<br> **Leveraged Index Return Notes<sup>®</sup>** **Linked to the** **London Metals Exchange Copper Spot Price**<br> **Fully and Unconditionally Guaranteed by Bank of America Corporation**<br> ■Maturity of approximately 18 months<br> ■110.20% leveraged upside exposure to increases in the Market Measure<br> ■1-to-1 downside exposure to decreases in the Market Measure, with up to 100.00% of your principal at risk<br> ■All payments occur at maturity and are subject to the credit risk of BofA Finance LLC, as issuer of the notes, and the credit risk of Bank of America Corporation, as guarantor of the notes<br> ■No periodic interest payments<br> ■In addition to the underwriting discount set forth below, the notes include a hedging-related charge of $0.05 per unit. See "Structuring the Notes"<br> ■Limited secondary market liquidity, with no exchange listing | &nbsp;&nbsp; **BofA Finance LLC**<br> **Leveraged Index Return Notes<sup>®</sup>** **Linked to the** **London Metals Exchange Copper Spot Price**<br> **Fully and Unconditionally Guaranteed by Bank of America Corporation**<br> ■Maturity of approximately 18 months<br> ■110.20% leveraged upside exposure to increases in the Market Measure<br> ■1-to-1 downside exposure to decreases in the Market Measure, with up to 100.00% of your principal at risk<br> ■All payments occur at maturity and are subject to the credit risk of BofA Finance LLC, as issuer of the notes, and the credit risk of Bank of America Corporation, as guarantor of the notes<br> ■No periodic interest payments<br> ■In addition to the underwriting discount set forth below, the notes include a hedging-related charge of $0.05 per unit. See "Structuring the Notes"<br> ■Limited secondary market liquidity, with no exchange listing |

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**The notes are being issued by BofA Finance LLC ("BofA Finance") and are fully and unconditionally guaranteed by Bank of America Corporation ("BAC"). There are important differences between the notes and a conventional debt security, including different investment risks and certain additional costs. See "Risk Factors" beginning on page TS-6 of this term sheet, "Additional Risk Factors" on page TS-8 of this term sheet, and "Risk Factors" beginning on page PS-7 of the accompanying product supplement, page S-7 of the accompanying Series A MTN prospectus supplement and page 7 of the accompanying prospectus.**

**The initial estimated value of the notes as of the pricing date is $9.732 per unit** **, which is less than the public offering price listed below.** See "Summary" on the following page, "Risk Factors" beginning on page TS-6 of this term sheet and "Structuring the Notes" beginning on page TS-10 of this term sheet for additional information. The actual value of your notes at any time will reflect many factors and cannot be predicted with accuracy.

**_________________________**

None of the Securities and Exchange Commission (the "SEC"), any state securities commission, or any other regulatory body has approved or disapproved of these securities or determined if this Note Prospectus (as defined below) is truthful or complete. Any representation to the contrary is a criminal offense.

**_________________________**

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| | | |
|:---|:---|:---|
|  | &nbsp;&nbsp; <u>Per Unit</u> | &nbsp;&nbsp; <u>Total</u> |
| &nbsp;&nbsp; Public offering price  | &nbsp;&nbsp; $10.000 | &nbsp;&nbsp; $1111010.00 |
| &nbsp;&nbsp; Underwriting discount  | &nbsp;&nbsp; $0.175 | &nbsp;&nbsp; $19442.67 |
| &nbsp;&nbsp; Proceeds, before expenses, to BofA Finance  | &nbsp;&nbsp; $9.825 | &nbsp;&nbsp; $1091567.33 |

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**The notes and the related guarantee:**

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| | | |
|:---|:---|:---|
| &nbsp;&nbsp; **Are Not FDIC Insured** | &nbsp;&nbsp; **Are Not Bank Guaranteed** | &nbsp;&nbsp; **May Lose Value** |

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**BofA Securities**

February 26, 2026

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<u> Leveraged Index Return Notes<sup>®</sup><br>Linked to the London Metals Exchange Copper Spot Price, due August 27, 2027 </u>  

Summary

The Leveraged Index Return Notes<sup>®</sup> Linked to the London Metals Exchange Copper Spot Price, due August 27, 2027 (the "notes") are our senior unsecured debt securities. Payments on the notes are fully and unconditionally guaranteed by BAC. The notes and the related guarantee are not insured by the Federal Deposit Insurance Corporation or secured by collateral. **The notes will rank equally in right of payment with all of BofA Finance's other unsecured and unsubordinated debt, and the related guarantee will rank equally in right of payment with all of BAC's other unsecured and unsubordinated obligations, in each case, except obligations that are subject to any priorities or preferences by law. Any payments due on the notes, including any repayment of principal, will be subject to the credit risk of BofA Finance, as issuer, and BAC, as guarantor.** The notes provide you with a leveraged return if the Ending Value of the Market Measure, which is the official settlement price per tonne of Grade A copper on the London Metal Exchange (the "LME") for the spot market, stated in U.S. dollars, as determined by the LME and as displayed on Bloomberg page "LOCADY " (or any applicable successor page) (the "London Metals Exchange Copper Spot Price" or the "Market Measure"), is greater than the Starting Value. If the Ending Value is less than the Starting Value you will lose all or a portion of the principal amount of your notes. Any payments on the notes will be calculated based on the $10 principal amount per unit and will depend on the performance of the Market Measure, subject to our and BAC's credit risk. See "Terms of the Notes" below.

The economic terms of the notes (including the Participation Rate) are based on BAC's internal funding rate, which is the rate it would pay to borrow funds through the issuance of market-linked notes and the economic terms of certain related hedging arrangements. BAC's internal funding rate is typically lower than the rate it would pay when it issues conventional fixed or floating rate debt securities. This difference in funding rate, as well as the underwriting discount and costs associated with hedging the notes, reduced the economic terms of the notes to you and the initial estimated value of the notes on the pricing date. Due to these factors, the public offering price you are paying to purchase the notes is greater than the initial estimated value of the notes.

On the cover page of this term sheet, we have provided the initial estimated value for the notes. This initial estimated value was determined based on our, BAC's and our other affiliates' pricing models, which take into consideration BAC's internal funding rate and the market prices for the hedging arrangements related to the notes. For more information about the initial estimated value and the structuring of the notes, see "Structuring the Notes" on page TS-10.

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| | | |
|:---|:---|:---|
| Terms of the Notes | Terms of the Notes | Redemption Amount Determination |
| &nbsp;&nbsp; **Issuer:** | &nbsp;&nbsp; BofA Finance LLC ("BofA Finance") | &nbsp;&nbsp; On the maturity date, you will receive a cash payment per unit determined as follows: |
| &nbsp;&nbsp; **Guarantor:** | &nbsp;&nbsp; Bank of America Corporation ("BAC") |  |
| &nbsp;&nbsp; **Principal Amount** **:** | &nbsp;&nbsp; $10.00 per unit | &nbsp;&nbsp;&nbsp; ![](image_002.jpg)  |
| &nbsp;&nbsp; **Term:** | &nbsp;&nbsp; Approximately 18 months | &nbsp;&nbsp;&nbsp; ![](image_002.jpg)  |
| &nbsp;&nbsp; **Market Measure:** | &nbsp;&nbsp; The London Metals Exchange Copper Spot Price (Bloomberg symbol: "LOCADY") | &nbsp;&nbsp;&nbsp; ![](image_002.jpg)  |
| &nbsp;&nbsp; **Starting Value:** | &nbsp;&nbsp; 13215.00 | &nbsp;&nbsp;&nbsp; ![](image_002.jpg)  |
| &nbsp;&nbsp; **Ending Value:** | &nbsp;&nbsp; The London Metals Exchange Copper Spot Price on the calculation day. The scheduled calculation day is subject to postponement in the event of Market Disruption Events, as described beginning on page PS-21 of the accompanying product supplement. | &nbsp;&nbsp;&nbsp; ![](image_002.jpg)  |
| &nbsp;&nbsp; **Threshold Value:** | &nbsp;&nbsp; 13,215.00 (100.00% of the Starting Value) | &nbsp;&nbsp;&nbsp; ![](image_002.jpg)  |
| &nbsp;&nbsp; **Participation Rate:** | &nbsp;&nbsp; 110.20% | &nbsp;&nbsp;&nbsp; ![](image_002.jpg)  |
| &nbsp;&nbsp; **Calculation Day** **:** | &nbsp;&nbsp; August 20, 2027 | &nbsp;&nbsp;&nbsp; ![](image_002.jpg)  |
| &nbsp;&nbsp; **Fees and Charges** **:** | &nbsp;&nbsp; The underwriting discount of $0.175 per unit listed on the cover page and the hedging-related charge of $0.05 per unit described in "Structuring the Notes" on page TS-10. | &nbsp;&nbsp;&nbsp; ![](image_002.jpg)  |
| &nbsp;&nbsp; **Calculation Agent** **:** | &nbsp;&nbsp; BofA Securities Inc. ("BofAS"), an affiliate of BofA Finance. | &nbsp;&nbsp;&nbsp; ![](image_002.jpg)  |

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<u> Leveraged Index Return Notes<sup>®</sup> </u> <u> TS-2 </u>

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<u> Leveraged Index Return Notes<sup>®</sup><br>Linked to the London Metals Exchange Copper Spot Price, due August 27, 2027 </u>  

The terms and risks of the notes are contained in this term sheet and in the following:

● Product supplement COMM LIRN-1 dated February 13, 2026:<br>[https://www.sec.gov/Archives/edgar/data/70858/000121390026015957/ea0276929-01_424b2.htm](https://www.sec.gov/Archives/edgar/data/70858/000121390026015957/ea0276929-01_424b2.htm)

● Series A MTN prospectus supplement dated December 8, 2025 and prospectus dated December 8, 2025:<br>[https://www.sec.gov/Archives/edgar/data/70858/000119312525310920/d51586d424b3.htm](https://www.sec.gov/Archives/edgar/data/70858/000119312525310920/d51586d424b3.htm)

These documents (together, the "Note Prospectus") have been filed as part of a registration statement with the SEC, which may, without cost, be accessed on the SEC website at www.sec.gov or obtained from Merrill Lynch, Pierce, Fenner & Smith Incorporated ("MLPF&S") or BofAS by calling 1-800-294-1322. Before you invest, you should read the Note Prospectus, including this term sheet, for information about us, BAC and this offering. Any prior or contemporaneous oral statements and any other written materials you may have received are superseded by the Note Prospectus. Certain terms used but not defined in this term sheet have the meanings set forth in the accompanying product supplement. Unless otherwise indicated or unless the context requires otherwise, all references in this document to "we," "us," "our," or similar references are to BofA Finance, and not to BAC.

Investor Considerations

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| | |
|:---|:---|
| &nbsp;&nbsp; **You may wish to consider an investment in the notes if:** | &nbsp;&nbsp; **The notes may not be an appropriate investment for you if:** |
| &nbsp;&nbsp; ■You anticipate that the Market Measure will increase from the Starting Value to the Ending Value.<br> ■You are willing to risk a loss of principal and return if the Market Measure decreases from the Starting Value to the Ending Value.<br> ■You are willing to forgo the interest payments that are paid on conventional interest bearing debt securities.<br> ■You are willing to forgo the rights and benefits of owning the commodity tracked by the Market Measure.<br> ■You are willing to accept a limited or no market for sales prior to maturity, and understand that the market prices for the notes, if any, will be affected by various factors, including our and BAC's actual and perceived creditworthiness, BAC's internal funding rate and fees and charges on the notes.<br> ■You are willing to assume our credit risk, as issuer of the notes, and BAC's credit risk, as guarantor of the notes, for all payments under the notes, including the Redemption Amount. | &nbsp;&nbsp; ■You believe that the Market Measure will decrease from the Starting Value to the Ending Value or that it will not increase sufficiently over the term of the notes to provide you with your desired return.<br> ■You seek principal repayment or preservation of capital.<br> ■You seek interest payments or other current income on your investment.<br> ■You want to receive the rights and benefits of owning the commodity tracked by the Market Measure.<br> ■You seek an investment for which there will be a liquid secondary market.<br> ■You are unwilling or are unable to take market risk on the notes, to take our credit risk, as issuer of the notes, or to take BAC's credit risk, as guarantor of the notes. |

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We urge you to consult your investment, legal, tax, accounting, and other advisors before you invest in the notes.

<u> Leveraged Index Return Notes<sup>®</sup> </u> <u> TS-3 </u>

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<u> Leveraged Index Return Notes<sup>®</sup><br>Linked to the London Metals Exchange Copper Spot Price, due August 27, 2027 </u>  

Hypothetical Payout Profile and Examples of Payments at Maturity

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| | |
|:---|:---|
| &nbsp;&nbsp; **Leveraged Index Return Notes<sup>®</sup>** <br> ![](image_003.jpg) | &nbsp;&nbsp; This graph reflects the returns on the notes, based on the Participation Rate of 110.20% and the Threshold Value of 100.00% of the Starting Value. The green line reflects the returns on the notes, while the dotted gray line reflects the performance of the Market Measure.<br> This graph has been prepared for purposes of illustration only. |

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The following table and examples are for purposes of illustration only. They are based on **hypothetical** values and show **hypothetical** returns on the notes. They illustrate the calculation of the Redemption Amount and total rate of return based on a hypothetical Starting Value of 100.00, a Threshold Value of 100.00, the Participation Rate of 110.20%, and a range of hypothetical Ending Values. **The actual amount you receive and the resulting total rate of return will depend on the actual Starting Value, Threshold Value, and Ending Value, and whether you hold the notes to maturity.** The following examples do not take into account any tax consequences from investing in the notes.

For recent actual prices of the Market Measure, see "The Market Measure" section below. In addition, all payments on the notes are subject to issuer and guarantor credit risk.

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| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp; **Ending Value** | &nbsp;&nbsp; **Percentage Change from the Starting Value to the Ending Value** | &nbsp;&nbsp; **Redemption Amount per Unit<sup>(3)</sup>** | &nbsp;&nbsp; **Total Rate of Return on the Notes** |
| &nbsp;&nbsp; 0.00 | &nbsp;&nbsp; -100.00% | &nbsp;&nbsp; $0.000 | &nbsp;&nbsp; -100.00% |
| &nbsp;&nbsp; 25.00 | &nbsp;&nbsp; -75.00% | &nbsp;&nbsp; $2.500 | &nbsp;&nbsp; -75.00% |
| &nbsp;&nbsp; 50.00 | &nbsp;&nbsp; -50.00% | &nbsp;&nbsp; $5.000 | &nbsp;&nbsp; -50.00% |
| &nbsp;&nbsp; 60.00 | &nbsp;&nbsp; -40.00% | &nbsp;&nbsp; $6.000 | &nbsp;&nbsp; -40.00% |
| &nbsp;&nbsp; 70.00 | &nbsp;&nbsp; -30.00% | &nbsp;&nbsp; $7.000 | &nbsp;&nbsp; -30.00% |
| &nbsp;&nbsp; 80.00 | &nbsp;&nbsp; -20.00% | &nbsp;&nbsp; $8.000 | &nbsp;&nbsp; -20.00% |
| &nbsp;&nbsp; 90.00 | &nbsp;&nbsp; -10.00% | &nbsp;&nbsp; $9.000 | &nbsp;&nbsp; -10.00% |
| &nbsp;&nbsp; 95.00 | &nbsp;&nbsp; -5.00% | &nbsp;&nbsp; $9.500 | &nbsp;&nbsp; -5.00% |
| &nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;100.00<sup>(1)(2)</sup> | &nbsp;&nbsp; 0.00% | &nbsp;&nbsp; $10.000 | &nbsp;&nbsp; 0.00% |
| &nbsp;&nbsp; 102.00 | &nbsp;&nbsp; 2.00% | &nbsp;&nbsp; $10.220 | &nbsp;&nbsp; 2.204% |
| &nbsp;&nbsp; 103.00 | &nbsp;&nbsp; 3.00% | &nbsp;&nbsp; $10.331 | &nbsp;&nbsp; 3.306% |
| &nbsp;&nbsp; 105.00 | &nbsp;&nbsp; 5.00% | &nbsp;&nbsp; $10.551 | &nbsp;&nbsp; 5.51% |
| &nbsp;&nbsp; 110.00 | &nbsp;&nbsp; 10.00% | &nbsp;&nbsp; $11.102 | &nbsp;&nbsp; 11.02% |
| &nbsp;&nbsp; 120.00 | &nbsp;&nbsp; 20.00% | &nbsp;&nbsp; $12.204 | &nbsp;&nbsp; 22.04% |
| &nbsp;&nbsp; 130.00 | &nbsp;&nbsp; 30.00% | &nbsp;&nbsp; $13.306 | &nbsp;&nbsp; 33.06% |
| &nbsp;&nbsp; 140.00 | &nbsp;&nbsp; 40.00% | &nbsp;&nbsp; $14.408 | &nbsp;&nbsp; 44.08% |
| &nbsp;&nbsp; 150.00 | &nbsp;&nbsp; 50.00% | &nbsp;&nbsp; $15.510 | &nbsp;&nbsp; 55.10% |
| &nbsp;&nbsp; 160.00 | &nbsp;&nbsp; 60.00% | &nbsp;&nbsp; $16.612 | &nbsp;&nbsp; 66.12% |
| &nbsp;&nbsp; 210.20 | &nbsp;&nbsp; 110.20% | &nbsp;&nbsp; $22.144 | &nbsp;&nbsp; 121.44% |

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(1)This is the **hypothetical** Threshold Value.

(2)The **hypothetical** Starting Value of 100 used in these examples has been chosen for illustrative purposes only. The actual Starting Value is 13,215.00, which was the London Metals Exchange Copper Spot Price on the pricing date.

(3)The Redemption Amount per Unit is based on the Participation Rate of 110.20%.

<u> Leveraged Index Return Notes<sup>®</sup> </u> <u> TS-4 </u>

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<u> Leveraged Index Return Notes<sup>®</sup><br>Linked to the London Metals Exchange Copper Spot Price, due August 27, 2027 </u>  

**Redemption Amount Calculation Examples**

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| | |
|:---|:---|
| &nbsp;&nbsp; **Example 1** | &nbsp;&nbsp; **Example 1** |
| &nbsp;&nbsp; The Ending Value is 50.00, or 50.00% of the Starting Value: | &nbsp;&nbsp; The Ending Value is 50.00, or 50.00% of the Starting Value: |
| &nbsp;&nbsp; Starting Value:100.00 | &nbsp;&nbsp; Starting Value:100.00 |
| &nbsp;&nbsp; Threshold Value:100.00 | &nbsp;&nbsp; Threshold Value:100.00 |
| &nbsp;&nbsp; Ending Value:50.00 | &nbsp;&nbsp; Ending Value:50.00 |
| &nbsp;&nbsp; ![](image_004.jpg) | &nbsp;&nbsp; Redemption Amount per unit |

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| |
|:---|
| &nbsp;&nbsp; <br> **Example 2** |
| &nbsp;&nbsp; The Ending Value is 105.00, or 105.00% of the Starting Value: |
| &nbsp;&nbsp; Starting Value:100.00 |
| &nbsp;&nbsp; Ending Value:105.00 |
| &nbsp;&nbsp; ![](image_005.jpg)**= $10.551** Redemption Amount per unit.  |

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<u> Leveraged Index Return Notes<sup>®</sup> </u> <u> TS-5 </u>

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<u> Leveraged Index Return Notes<sup>®</sup><br>Linked to the London Metals Exchange Copper Spot Price, due August 27, 2027 </u>  

Risk Factors

*There are important differences between the notes and a conventional debt security. An investment in the notes involves significant risks, including those listed below. You should carefully review the more detailed explanation of risks relating to the notes in the "Risk Factors" sections beginning on page PS-7 of the accompanying product supplement, page S-6 of the Series A MTN prospectus supplement, and page 7 of the prospectus identified above. We also urge you to consult your investment, legal, tax, accounting, and other advisors before you invest in the notes.* 

**<u>Structure-related Risks</u>**

■Depending on the performance of the Market Measure as measured shortly before the maturity date, your investment may result in a loss; there is no guaranteed return of principal.

■Your return on the notes may be less than the yield you could earn by owning a conventional fixed or floating rate debt security of comparable maturity.

■Payments on the notes are subject to our credit risk, and the credit risk of BAC, and actual or perceived changes in our or BAC's creditworthiness are expected to affect the value of the notes. If we and BAC become insolvent or are unable to pay our respective obligations, you may lose your entire investment.

■Your investment return may be less than a comparable investment directly in the commodity tracked by the Market Measure.

■We are a finance subsidiary and, as such, will have limited assets and operations.

■BAC's obligations under its guarantee of the notes will be structurally subordinated to liabilities of its subsidiaries.

■The notes issued by us will not have the benefit of any cross-default or cross-acceleration with other indebtedness of BofA Finance or BAC: events of bankruptcy or insolvency or resolution proceedings relating to BAC and covenant breach by BAC will not constitute an event of default with respect to the notes.

**<u>Valuation- and Market-related Risks</u>**

■The initial estimated value of the notes considers certain assumptions and variables and relies in part on certain forecasts about future events, which may prove to be incorrect. The initial estimated value of the notes is an estimate only, determined as of the pricing date by reference to our and our affiliates' pricing models. These pricing models consider certain assumptions and variables, including our credit spreads, and those of BAC, BAC's internal funding rate on the pricing date, mid-market terms on hedging transactions, expectations on interest rates and volatility, price-sensitivity analysis, and the expected term of the notes. These pricing models rely in part on certain forecasts about future events, which may prove to be incorrect.

■The public offering price you are paying for the notes exceeds the initial estimated value. If you attempt to sell the notes prior to maturity, their market value may be lower than the price you paid for them and lower than the initial estimated value. This is due to, among other things, changes in the level of the Market Measure, changes in BAC's internal funding rate, and the inclusion in the public offering price of the underwriting discount and costs associated with hedging the notes, all as further described in "Structuring the Notes" on page TS-10. These factors, together with various credit, market and economic factors over the term of the notes, are expected to reduce the price at which you may be able to sell the notes in any secondary market and will affect the value of the notes in complex and unpredictable ways.

■The initial estimated value does not represent a minimum or maximum price at which we, BAC, MLPF&S, BofAS or any of our other affiliates would be willing to purchase your notes in any secondary market (if any exists) at any time. The value of your notes at any time after issuance will vary based on many factors that cannot be predicted with accuracy, including the performance of the Market Measure, our and BAC's creditworthiness and changes in market conditions.

■A trading market is not expected to develop for the notes. None of us, BAC, MLPF&S or BofAS is obligated to make a market for, or to repurchase, the notes. There is no assurance that any party will be willing to purchase the notes at any price in any secondary market.

**<u>Conflict-related Risks</u>**

■BAC and its affiliates' hedging and trading activities (including trades related to the Market Measure) and any hedging and trading activities BAC or its affiliates engage in that are not for your account or on your behalf, may affect the market value ad return of the notes and may create conflicts of interest with you.

■There may be potential conflicts of interest involving the calculation agent, which is an affiliate of ours. We have the right to appoint and remove the calculation agent.

**<u>Market Measure-related Risks</u>**

■Ownership of the notes will not entitle you to any rights with respect to the commodity tracked by the Market Measure.

■The price of the Market Measure may change unpredictably, affecting the value of your notes in unforeseeable ways.

■Suspension or disruptions of market trading in the commodity tracked by the Market Measure may adversely affect the value of the notes.

■Changes in exchange methodology may adversely affect the value of the notes.

<u> Leveraged Index Return Notes<sup>®</sup> </u> <u> TS-6 </u>

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<u> Leveraged Index Return Notes<sup>®</sup><br>Linked to the London Metals Exchange Copper Spot Price, due August 27, 2027 </u>  

■Legal and regulatory changes could adversely affect the return on and value of your notes.

■The notes will not be regulated by the U.S. Commodity Futures Trading Commission.

■The Market Measure is the price for a commodity traded on a foreign exchange that may be less regulated than U.S. markets and may involve different and greater risks than trading on U.S. exchanges.

**<u>Tax-related Risks</u>**

■The U.S. federal income tax consequences of the notes are uncertain, and may be adverse to a holder of the notes. See "Summary Tax Consequences" below and "U.S. Federal Income Tax Summary" beginning on page PS-29 of the accompanying product supplement

Additional Risk Factors

**Single commodity prices tend to be more volatile than, and may not correlate with, the prices of commodities generally.** 

The notes are linked to the London Metals Exchange Copper Spot Price and not to a diverse basket of commodities or a broad-based commodity index. The London Metals Exchange Copper Spot Price may not correlate to the prices of commodities generally and may diverge significantly from the prices of commodities generally. Because the notes are linked to the price of a single commodity, they carry greater risk and may be more volatile than securities linked to the prices of a larger number of commodities or a broad-based commodity index. In addition, the prices of many individual commodities, including the London Metals Exchange Copper Spot Price, have recently been highly volatile and there can be no assurance that the volatility will lessen.

**The notes are subject to risks associated with copper.** 

The notes are subject to risks associated with copper. The price of copper has fluctuated widely in recent years. Because the return on the notes is based on the London Metals Exchange Copper Spot Price, we expect that generally the market value of the notes will depend in part on the market price of copper and the volatility of copper and related futures contracts (including the frequency and magnitude of price increases and decreases in copper or related futures contracts). The price of copper is primarily affected by the global demand for and supply of copper which, in turn, is affected by numerous factors, including industrial economic activity, as well as political events; weather; agriculture; disease; labor activity; technological developments; direct government activity (such as embargoes); the availability and price of substitutes for copper in various applications; and other supply disruptions in major producing or consuming regions of copper. The price volatility of copper also affects the value of the futures and forward contracts related to copper and, therefore, the price of copper at any such time. In addition, the market for copper is global, and copper prices are subject to volatile price movements over short periods of time and are affected by numerous factors, including macroeconomic factors. The price of copper has recently been, and may continue to be, extremely volatile. These factors may adversely affect the performance of the London Metals Exchange Copper Spot Price and, therefore, the market value of, and return on, the notes.

**The notes are subject to risks associated with the LME.**

The notes are linked to the London Metals Exchange Copper Spot Price, which is traded on and/or determined by the LME. The LME is a self-regulatory association (though it is also regulated by the United Kingdom's Financial Conduct Authority) of metal market participants and is a principals' market which operates in a manner more closely analogous to an over-the-counter physical commodity market than a regulated futures market. For example, there are no daily price limits on the LME, which would otherwise restrict the extent of daily fluctuations in the prices of LME contracts. In a declining market, therefore, it is possible that prices would continue to decline without limitation within a trading day or over a period of trading days. If the LME ceases operations, or if trading of metals, such as copper, becomes subject to a value added tax or other tax or any other form of regulation currently not in place, the role of LME prices as a global benchmark for copper may be adversely affected. All these factors could adversely affect the prices of copper and, therefore, your return on the notes.

<u> Leveraged Index Return Notes<sup>®</sup> </u> <u> TS-7 </u>

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<u> Leveraged Index Return Notes<sup>®</sup><br>Linked to the London Metals Exchange Copper Spot Price, due August 27, 2027 </u>  

The Market Measure

All disclosures contained in this term sheet regarding the Market Measure have been derived from publicly available sources. The information reflects the policies of, and is subject to change by, the LME. The consequences of the LME discontinuing publication or determination of the Market Measure are discussed in the section entitled "Description of LIRNs— Discontinuance of a Market Measure" on page PS-24 of the accompanying product supplement. None of us, the calculation agent, MLPF&S or BofAS accepts any responsibility for the calculation, maintenance or publication of the Market Measure or any successor.

**The London Metals Exchange Copper Spot Price**

The price of copper to which the return on the notes is linked is the official settlement price per tonne of Grade A copper on the LME for the spot market, stated in U.S. dollars, as determined by the LME and as displayed on Bloomberg page "LOCADY " (or any applicable successor page).

Additional information regarding the London Metals Exchange Copper Spot Priceand the LME's business continuity procedures is available on the LME's website.

***The following graph shows the daily historical performance of the Market Measure in the period from January 1, 2016 through February 26, 2026. We obtained this historical data from Bloomberg L.P. We have not independently verified the accuracy or completeness of the information obtained from Bloomberg L.P. On the pricing date, the London Metals Exchange Copper Spot Price was 13,215.00.***

**Historical Performance of the Market Measure**![](image_006.jpg)

***This historical data on the Market Measure is not necessarily indicative of its future performance or what the value of the notes may be. Any historical upward or downward trend in the price of the Market Measure during any period set forth above is not an indication that the price of the Market Measure is more or less likely to increase or decrease at any time over the term of the notes.***

Before investing in the notes, you should consult publicly available sources for the Market Measure.

<u> Leveraged Index Return Notes<sup>®</sup> </u> <u> TS-8 </u>

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<u> Leveraged Index Return Notes<sup>®</sup><br>Linked to the London Metals Exchange Copper Spot Price, due August 27, 2027 </u>  

Supplement to the Plan of Distribution; Conflicts of Interest

Under our distribution agreement with BofAS, BofAS will purchase the notes from us as principal at the public offering price indicated on the cover of this term sheet, less the indicated underwriting discount.

MLPF&S will purchase the notes from BofAS for resale, and will receive a discount in connection with the sale of the notes in an amount up to the full amount of underwriting discount set forth on the cover of this term sheet.

We are paying a fee to LFT Securities, LLC for providing certain electronic platform services with respect to this offering, which reduced the economic terms of the Notes to you. An affiliate of BofAS has an ownership interest in LFT Securities, LLC.

MLPF&S and BofAS, each a broker-dealer subsidiary of BAC, are members of the Financial Industry Regulatory Authority, Inc. ("FINRA") and will participate as selling agent in the case of BofAS and as dealer in the case of MLPF&S in the distribution of the notes. Accordingly, offerings of the notes will conform to the requirements of Rule 5121 applicable to FINRA members. Neither BofAS nor MLPF&S may make sales in this offering to any of its discretionary accounts without the prior written approval of the account holder.

We will deliver the notes against payment therefor in New York, New York on a date that is greater than one business day following the pricing date. Under Rule 15c6-1 of the Securities Exchange Act of 1934, trades in the secondary market generally are required to settle in one business day, unless the parties to any such trade expressly agree otherwise. Accordingly, purchasers who wish to trade the notes more than one business day prior to the original issue date will be required to specify alternative settlement arrangements to prevent a failed settlement.

The notes will not be listed on any securities exchange. In the original offering of the notes, the notes will be sold in minimum investment amounts of 10,000 units. If you place an order to purchase the notes, you are consenting to MLPF&S acting as a principal in effecting the transaction for your account.

MLPF&S and BofAS may repurchase and resell the notes, with repurchases and resales being made at prices related to then-prevailing market prices or at negotiated prices, and these will include MLPF&S's and BofAS's trading commissions and mark-ups or mark-downs. MLPF&S and BofAS may act as principal or agent in these market-making transactions; however, neither is obligated to engage in any such transactions. At their discretion, for a short, undetermined initial period after the issuance of the notes, MLPF&S and BofAS may offer to buy the notes in the secondary market at a price that may exceed the initial estimated value of the notes. Any price offered by MLPF&S or BofAS for the notes will be based on then-prevailing market conditions and other considerations, including the performance of the Market Measure and the remaining term of the notes. However, neither we nor any of our affiliates is obligated to purchase your notes at any price, or at any time, and we cannot assure you that we or any of our affiliates will purchase your notes at a price that equals or exceeds the initial estimated value of the notes.

The value of the notes shown on your account statement will be based on BofAS's estimate of the value of the notes if BofAS or another of our affiliates were to make a market in the notes, which it is not obligated to do. That estimate will be based upon the price that BofAS may pay for the notes in light of then-prevailing market conditions and other considerations, as mentioned above, and will include transaction costs. At certain times, this price may be higher than or lower than the initial estimated value of the notes.

<u> Leveraged Index Return Notes<sup>®</sup> </u> <u> TS-9 </u>

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<u> Leveraged Index Return Notes<sup>®</sup><br>Linked to the London Metals Exchange Copper Spot Price, due August 27, 2027 </u>  

Structuring the Notes

The notes are our debt securities, the return on which is linked to the performance of the Market Measure. The related guarantees are BAC's obligations. As is the case for all of our and BAC's respective debt securities, including our market-linked notes, the economic terms of the notes reflect our and BAC's actual or perceived creditworthiness at the time of pricing. In addition, because market-linked notes result in increased operational, funding and liability management costs to us and BAC, BAC typically borrows the funds under these types of notes at a rate that is more favorable to BAC than the rate that it might pay for a conventional fixed or floating rate debt security. This rate, which we refer to in this term sheet as BAC's internal funding rate, is typically lower than the rate BAC would pay when it issues conventional fixed or floating rate debt securities. This generally relatively lower internal funding rate, which is reflected in the economic terms of the notes, along with the fees and charges associated with market-linked notes, resulted in the initial estimated value of the notes on the pricing date being less than their public offering price.

At maturity, we are required to pay the Redemption Amount to holders of the notes, which will be calculated based on the performance of the Market Measure and the $10 per unit principal amount. In order to meet these payment obligations, at the time we issue the notes, we may choose to enter into certain hedging arrangements (which may include call options, put options or other derivatives) with BofAS or one of our other affiliates. The terms of these hedging arrangements are determined by seeking bids from market participants, including BofAS and its affiliates, and take into account a number of factors, including our and BAC's creditworthiness, interest rate movements, the volatility of the Market Measure, the tenor of the notes and the tenor of the hedging arrangements. The economic terms of the notes and their initial estimated value depend in part on the terms of these hedging arrangements. These hedging arrangements are expected to result in a profit to those engaging in the hedging activity, which could be more or less than initially expected, but could also result in a loss.

BofAS has advised us that the hedging arrangements will include a hedging-related charge of $0.05 per unit, reflecting an estimated profit to be credited to BofAS from these transactions. Since hedging entails risk and may be influenced by unpredictable market forces, additional profits and losses from these hedging arrangements may be realized by BofAS or any third party hedge providers.

For further information, see "Risk Factors" beginning on page PS-7 and "Use of Proceeds" on page PS-20 of the accompanying product supplement.

Validity of the Notes

In the opinion of Sidley Austin LLP, as counsel to BofA Finance and BAC, when the trustee has made the appropriate entries or notations on Schedule 1 to the master global note that represents the Notes (the "Master Note") identifying the Notes offered hereby as supplemental obligations thereunder in accordance with the instructions of BofA Finance, and the Notes have been delivered against payment as contemplated herein, such Notes will be valid and binding obligations of BofA Finance, and the related guarantee will be a valid and binding obligation of BAC, in each case, enforceable in accordance with their terms, subject to applicable bankruptcy, insolvency and similar laws affecting creditors' rights generally, concepts of reasonableness and equitable principles of general applicability (including, without limitation, concepts of good faith, fair dealing and the lack of bad faith), provided that such counsel expresses no opinion as to the effect of fraudulent conveyance, fraudulent transfer or similar provision of applicable law on the conclusions expressed above. This opinion is given as of the date hereof and is limited to the Delaware Limited Liability Company Act, the Delaware General Corporation Law and the laws of the State of New York as in effect on the date hereof. In addition, this opinion is subject to customary assumptions about the trustee's authorization, execution and delivery of the indenture and due authentication of the Master Note and the genuineness of signatures and certain factual matters, all as stated in the letter of such counsel dated October 16, 2025 which has been filed as Exhibit 5.1 to the Company's Current Report on Form 8-K filed with the Securities and Exchange Commission on October 1, 2025.

<u> Leveraged Index Return Notes<sup>®</sup> </u> <u> TS-10 </u>

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<u> Leveraged Index Return Notes<sup>®</sup><br>Linked to the London Metals Exchange Copper Spot Price, due August 27, 2027 </u>  

Summary Tax Consequences

You should consider the U.S. federal income tax consequences of an investment in the notes, including the following:

■There is no statutory, judicial, or administrative authority directly addressing the characterization of the notes.

■You agree with us (in the absence of an administrative determination, or judicial ruling to the contrary) to characterize and treat the notes for all tax purposes as a single financial contract with respect to the Market Measure.

■Under this characterization and tax treatment of the notes, a U.S. Holder (as defined on page 76 of the prospectus) generally will recognize capital gain or loss upon maturity or upon a sale or exchange of the notes prior to maturity. This capital gain or loss generally will be long-term capital gain or loss if you held the notes for more than one year.

■No assurance can be given that the Internal Revenue Service ("IRS") or any court will agree with this characterization and tax treatment.

**You should consult your own tax advisor concerning the U.S. federal income tax consequences to you of acquiring, owning, and disposing of the notes, as well as any tax consequences arising under the laws of any state, local, foreign, or other tax jurisdiction and the possible effects of changes in U.S. federal or other tax laws. You should review carefully the discussion under the section entitled "U.S. Federal Income Tax Summary" beginning on page PS-31 of the accompanying product supplement.**

Where You Can Find More Information

We and BAC have filed a registration statement (including a product supplement, a prospectus supplement and a prospectus) with the SEC for the offering to which this term sheet relates. Before you invest, you should read the Note Prospectus, including this term sheet, and the other documents relating to this offering that we and BAC have filed with the SEC, for more complete information about us, BAC and this offering. You may get these documents without cost by visiting EDGAR on the SEC website at www.sec.gov. Alternatively, we, any agent or any dealer participating in this offering will arrange to send you these documents if you so request by calling MLPF&S or BofAS toll-free at 1-800-294-1322.

"Leveraged Index Return Notes<sup>®</sup>" and "LIRNs<sup>®</sup>" are BAC's registered service marks.

<u> Leveraged Index Return Notes<sup>®</sup> </u> <u> TS-11 </u>

## Ex-Filing

?xml version='1.0' encoding='ASCII'? EX-FILING FEES

**Exhibit 107**

The prospectus to which this Exhibit is attached is a final prospectus for the related offering. The maximum aggregate offering price for such offering is $1,111,010.00.

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