Obligation Bank of America Corporation 4.28% ( XS1940944348 ) en RON

Bank of America Corporation

100 % ▲

Etas-Unis

XS1940944348 ( en RON )

4.28% par an ( paiement annuel )

17/01/2022 - Obligation échue

Prospectus brochure de l'obligation Bank of America Corporation XS1940944348 en RON 4.28%, échue

500 000 RON

35 000 000 RON

L'Obligation émise par Bank of America Corporation ( Etas-Unis ) , en RON, avec le code ISIN XS1940944348, paye un coupon de 4.28% par an.
Le paiement des coupons est annuel et la maturité de l'Obligation est le 17/01/2022

Bank of America Corporation
(a Delaware (U.S.A.) Corporation)

NOTE, WARRANT AND CERTIFICATE PROGRAMME

Issue of RON 35,000,000 4.28 per cent. Fixed Rate Notes due 17 January 2022

Issue Price: 100 per cent. of the Aggregate Nominal Amount

This document constitutes a prospectus (the "Prospectus") for the purposes of Directive 2003/71/EC (as amended or superseded,
the "Prospectus Directive") relating to RON 35,000,000 4.28 per cent. Fixed Rate Notes due 17 January 2022 (the "Notes")
issued by Bank of America Corporation (the "Issuer" or "BAC") under the Note, Warrant and Certificate Programme of the
Issuer, Merrill Lynch B.V. and Merrill Lynch International & Co. C.V. (the "Programme") This Prospectus should be read and
construed in conjunction with the other documents incorporated by reference herein.
This Prospectus incorporates by reference certain information from the offering circular of the Issuer, Merrill Lynch B.V and
Merrill Lynch International & Co. C.V. dated 18 May 2018 relating to the Programme (the "Offering Circular") and the
supplements thereto. See "Documents Incorporated by Reference" below.
This Prospectus has been approved by the Luxembourg Commission de Surveillance du Secteur Financier (the "CSSF") as a
prospectus issued in compliance with the Prospectus Directive and relevant implementing measures in Luxembourg for the
purpose of giving information with regard to the Notes. The CSSF is the Luxembourg competent authority for the purposes of the
Prospectus Directive and relevant implementing measures in Luxembourg. By approving this Prospectus, the CSSF shall give no
undertaking as to the economic and financial soundness of the operation or the quality or solvency of the Issuer in accordance
with Article 7(7) of the Luxembourg law dated 10 July 2005 on prospectuses for securities (loi relative aux prospectus pour
valeurs mobilières) as amended by the Luxembourg law dated 3 July 2012 (the "Prospectus Act 2005").
Application has been made for the Notes to be admitted to the Official List of the Luxembourg Stock Exchange and to trading on
the regulated market of the Luxembourg Stock Exchange. The Luxembourg Stock Exchange's regulated market is a regulated
market for the purposes of Directive 2014/65/EU on Markets in Financial Instruments ("MiFID II").

The Notes have not been and will not be registered under U.S. Securities Act of 1933, as amended (the "Securities Act") or
under any U.S. state securities laws. The Notes may not be offered, sold, resold, traded, transferred, pledged, delivered or
redeemed, directly or indirectly, within the United States of America (including the U.S. states and the District of Columbia), its
territories, its possessions and other areas subject to its jurisdiction (the "United States") or to, or for the account or benefit of,
U.S. persons (as defined by Regulation S under the Securities Act) (other than distributors) except in accordance with Regulation
S under the Securities Act or pursuant to an exemption from, or in a transaction not subject to, the registration requirements of
the Securities Act.
The Notes are unsecured and are not and will not be savings accounts, deposits, obligations of, or otherwise guaranteed by,
Bank of America, N.A. ("BANA") or any other bank. The Notes do not evidence deposits of BANA or any other banking affiliate
of the Issuer and are not insured by the Federal Deposit Insurance Corporation (the "FDIC") or any other insurer or
governmental agency or instrumentality.
The Notes are subject to investment risks described under the section headed "Risk Factors" on page 1 of this
Prospectus. This Prospectus does not describe all of the risks of an investment in the Notes.
Dealer

BofA MERRILL LYNCH

The date of this Prospectus is 21 February 2019

Important Notices
IMPORTANT NOTICES
This Prospectus constitutes a single prospectus for the purposes of the Prospectus Directive.
This Prospectus must be read in conjunction with all documents deemed to be incorporated by
reference (see "Documents Incorporated by Reference") and shall be construed accordingly.
No person has been authorised to give any information or to make any representation not contained or
incorporated by reference in this Prospectus and, if given or made, such information or representation
must not be relied upon as having been authorised by the Issuer or the Dealer. This Prospectus does not
relate to any securities other than the Notes or constitute an offer to any person in any jurisdiction
where such offer would be unlawful. Delivery of this Prospectus at any time does not imply that the
information in this Prospectus is correct as of any time subsequent to its date.
The Issuer accepts responsibility for the information contained in this Prospectus. To the Issuer's best
knowledge and belief (having taken all reasonable care to ensure that such is the case), the information
contained in this Prospectus is in accordance with the facts and does not omit anything likely to affect
the import of such information.
The Dealer has not separately verified the information contained herein. Accordingly, no
representation, warranty, or undertaking, express or implied, is made and no responsibility is accepted
by the Dealer as to the accuracy or completeness of the information contained in this Prospectus or any
other information provided by the Issuer. The Dealer does not accept any liability in relation to the
information contained in this Prospectus or any other information provided by the Issuer in connection
with this Prospectus.
Neither this Prospectus nor any other information supplied in connection herewith is intended to
provide the basis of any credit or other evaluation, and any recipient of this Prospectus should not
consider such receipt to be a recommendation to purchase any Notes. Each investor contemplating
purchasing any Notes should make its own independent investigation of the financial condition and
affairs of the Issuer, and its own appraisal of the creditworthiness of the Issuer. The Dealer does not
undertake to review the financial condition or affairs of the Issuer during the life of the arrangements
contemplated by this Prospectus or to advise any investor or potential investor in the Notes of any
information coming to the attention of the Dealer.
This Prospectus does not describe all of the risks and investment considerations (including those
relating to each investor's particular circumstances) of an investment in the Notes. See "Risk Factors".
Investors should consult their own financial, legal, tax, and other professional advisors as to the risks
and investment considerations arising from an investment in an issue of Notes and should possess the
appropriate resources to analyse such investment and the suitability of such investment to such
investor's particular circumstances.
The Notes have not been, and will not be, registered under the Securities Act. The Notes are subject to
United States tax law requirements and may not be offered, sold, or delivered within the United States
or to U.S. persons.
Other than to selected qualified investors in accordance with the Swiss Federal Act on Collective
Investment Schemes: (a) the Notes will not be offered, sold or otherwise distributed in or from
Switzerland; and (b) neither this Prospectus nor any other document relating to the Notes may be
distributed in Switzerland in connection with any offering, sale or distribution in or from Switzerland.
This Prospectus does not constitute, nor may it be used for or in connection with, an offer or
solicitation by anyone in any jurisdiction in which that offer or solicitation is not authorised or to any
person to whom it is unlawful to make such an offer or solicitation. No action is being taken to permit
the offering of the Notes or the distribution of this Prospectus in any jurisdiction where such action is
required.
The distribution of this Prospectus and the offer of Notes may be restricted by law in certain
jurisdictions. Accordingly, the Notes may not be offered or sold, directly or indirectly, and neither this
Prospectus nor any advertisement or other offering material may be distributed or published in any
jurisdiction, except under circumstances that will result in compliance with any applicable laws and
regulations, and the Dealer has represented that all offers and sales by it will be made on the same

i

Important Notices
terms. Persons into whose possession this Prospectus or any Notes come must inform themselves
about, and observe, any such restrictions. In particular, there are restrictions on the distribution of this
Prospectus and the offer or sale of Notes in the United States and certain other jurisdictions. See
"Subscription and Sale" in the Offering Circular which is incorporated by reference into this
Prospectus.
Nothing herein should be considered to impose on the recipient of this Prospectus any limitation on
disclosure of the tax treatment or tax structure of the transactions or matters described herein.
No person has been authorised to give any information or make any representation not contained in or
not consistent with this Prospectus, or any other information supplied in connection with the Notes and,
if given or made, such information or representation must not be relied upon as having been authorised
by the Issuer or any Dealer.
By investing in the Notes each investor represents that:
(a)
Non-Reliance. It is acting for its own account, and it has made its own independent decisions
to invest in the Notes and as to whether the investment in the Notes is appropriate or proper
for it based upon its own judgement and upon advice from such advisers as it has deemed
necessary. It is not relying on any communication (written or oral) of the Issuer or the Dealer
as investment advice or as a recommendation to invest in the Notes, it being understood that
information and explanations related to the "Note Conditions" shall not be considered to be
investment advice or a recommendation to invest in the Notes. No communication (written or
oral) received from the Issuer or the Dealer shall be deemed to be an assurance or guarantee as
to the expected results of the investment in the Notes.
(b)
Assessment and Understanding. It is capable of assessing the merits of and understanding (on
its own behalf or through independent professional advice), and understands and accepts, the
terms and conditions and the risks of the investment in the Notes. It is also capable of
assuming, and assumes, the risks of the investment in the Notes.
(c)
Status of Parties. None of the Issuer or the Dealer is acting as fiduciary for or adviser to it in
respect of the investment in the Notes.
Prohibition of Sales to EEA Retail Investors
The Notes are not intended to be offered, sold or otherwise made available to and should not be
offered, sold or otherwise made available to any retail investor in the European Economic Area
("EEA"). For these purposes, a retail investor means a person who is one (or more) of: (i) a retail client
as defined in point (11) of Article 4(1) of Directive 2014/65/EU, as amended ("MiFID II"); (ii) a
customer within the meaning of Directive 2002/92/EC, as amended ("IMD"), where that customer
would not qualify as a professional client as defined in point (10) of Article 4(1) of MiFID II; or (iii)
not a qualified investor as defined in Directive 2003/71/EC, as amended (the "Prospectus Directive").
Consequently no key information document required by Regulation (EU) No 1286/2014 (the "PRIIPs
Regulation") for offering or selling the Notes or otherwise making them available to retail investors in
the EEA has been prepared and therefore offering or selling the Notes or otherwise making them
available to any retail investor in the EEA may be unlawful under the PRIIPs Regulation.
In this Prospectus, references to "RON" or "Romanian Leu" are to the lawful currency of Romania,
references to "U.S.$", "$", and "U.S. dollars" are to United States Dollars, references to "A$" are to
Australian dollars and references to "EUR", "Euro", and "" are to the lawful single currency of the
member states of the European Union that have adopted and continue to retain a common single
currency through monetary union in accordance with European Union treaty law (as amended from
time to time).

ii

TABLE OF CONTENTS
Page
IMPORTANT NOTICES ........................................................................................................................... I
RISK FACTORS ....................................................................................................................................... 1
DOCUMENTS INCORPORATED BY REFERENCE ............................................................................ 2
NOTE CONDITIONS ............................................................................................................................... 9
GENERAL INFORMATION.................................................................................................................. 15

iii

Risk Factors
RISK FACTORS
An investment in the Notes involves substantial risks.
The Issuer believes that the following factors may affect its ability to fulfil its obligations in respect of
the Notes and/or are material for the purpose of assessing the market risks associated with the Notes.
All of these factors are contingencies which may or may not occur, and the Issuer is not in a position to
express a view on the likelihood of any such contingency occurring.
The Issuer believes that the factors described below represent the principal risks inherent in investing
in the Notes, but the inability of the relevant Issuer or the Guarantor (if applicable) to pay any cash
amounts may occur for other reasons, and the Issuer makes no representation that the statements
regarding the risks of holding any the Notes are exhaustive. Additional risks and uncertainties not
presently known to the Issuer or that the Issuer currently believes to be immaterial could also have a
material impact on its business operations or the Notes. Prospective investors should also read the
detailed information set out elsewhere in this Prospectus and reach their own views prior to making
any investment decision.
Terms used in this section and not otherwise defined shall have the meanings given to them in the Note
Conditions (as defined below).
1.
Risk Factors Relating to the Issuer's Ability to Fulfil its Obligations under the Notes

The risks that might affect the Issuer's ability to fulfil its obligations under the Notes are set
out under:
(i)
the heading "Risk Factors Relating to the Relevant Issuer's and (with respect to
Instruments other than Secured W&C Instruments) the Guarantor's Ability to Fulfil
Their Respective Obligations Under the Relevant Instruments" on pages 35 to 36 in the
section entitled "Risk Factors"; and
(ii)
the heading "Additional Risk Factors" on pages 1 to 3 of Supplement No. 7 (as defined
below),
in the Offering Circular, which have been incorporated by reference into this Prospectus.
2.
Risk Factors Relating to the Issuer and the Group and to the Group's Businesses and
Industry

The risks relating to the Issuer and the Group and the Group's business and industry are set out
under the heading "Risk Factors Relating to BAC and the Group and to the Group's
Businesses and Industry" on pages 36 to 38 in the section entitled "Risk Factors" in the
Offering Circular, which has been incorporated by reference into this Prospectus.
3.
Risk Factors Relating to the Notes

The risks relating to the Notes are set out under the headings "Risks Relating to the
Instruments Generally" and "Risks Relating to Notes" on pages 38 to 51 (inclusive) in the
section entitled "Risk Factors" in the Offering Circular, which has been incorporated by
reference into this Prospectus.
4.
Risks Relating to the Market Generally

The risks relating to the market generally are set out under the heading "Risks Relating to the
Market Generally" on pages 53 to 55 in the section entitled "Risk Factors" in the Offering
Circular, which has been incorporated by reference into this Prospectus.

1

Documents Incorporated by Reference
DOCUMENTS INCORPORATED BY REFERENCE
The following documents, which have previously been published and have been filed with the CSSF,
shall be deemed to be incorporated in, and to form part of, this Prospectus:
(a)
the Offering Circular;
(b)
the following supplements to the Offering Circular: supplement No. 3 dated 1 August 2018
("Supplement No. 3"); supplement No. 4 dated 18 October 2018 ("Supplement No. 4");
supplement No. 7 dated 31 December 2018 ("Supplement No. 7") and supplement No. 8
dated 31 December 2018 ("Supplement No. 8") (together, the "Supplements");
(c)
BAC's Annual Report on Form 10-K for the year ended 31 December 2017 (the "BAC 2017
Annual Report");
(d)
BAC's Quarterly Report on Form 10-Q in respect of the nine months ended 30 September
2018 (the "BAC 30 September 2018 Quarterly Report");
(e)
BAC's Current Reports on Form 8-K filed on 17 January 2018 (the "BAC 17 January 2018
Form 8-K"), 9 February 2018 (the "BAC 9 February 2018 Form 8-K"), 15 March 2018 (the
"BAC 15 March 2018 Form 8-K"), 16 April 2018 Form 8-K (the "BAC 16 April 2018 Form
8-K"), 25 April 2018 (the "BAC 25 April 2018 Form 8-K"), 30 April 2018 (the "BAC 30
April 2018 Form 8-K"), 16 May 2018 (the "BAC 16 May 2018 Form 8-K"), 28 June 2018
(the "BAC 28 June 2018 Form 8-K"), 16 July 2018 (the "BAC 16 July 2018 Form 8-K"), 15
October 2018 (the "BAC 15 October 2018 Form 8-K"), 24 October 2018 (the "BAC 24
October 2018 Form 8-K"), 26 October 2018 (the "BAC 26 October 2018 Form 8-K") and
16 January 2019 (the "BAC 16 January 2019 Form 8-K" and, together with the BAC 17
January 2018 Form 8-K, the BAC 9 February 2018 Form 8-K, the BAC 15 March 2018 Form
8-K, the BAC 16 April 2018 Form 8-K, the BAC 25 April 2018 Form 8-K, the BAC 30 April
2018 Form 8-K, the BAC 16 May 2018 Form 8-K, the BAC 28 June 2018 Form 8-K, the BAC
16 July 2018 Form 8-K, the BAC 15 October Form 8-K and the BAC 26 October 2018 Form
8-K, the "BAC Forms 8-K") (other than, with respect to these reports, information that is
furnished but deemed not to have been filed under the rules of the SEC);
(f)
BAC's Form 8-A filed on 16 May 2018 (the "BAC 16 May 2018 Form 8-A"); and
(g)
the 2018 Proxy Statement of BAC pursuant to Section 14(a) of the U.S. Securities Exchange
Act of 1934, as amended, dated 12 March 2018 (the "2018 BAC Proxy Statement"), and filed
with the SEC on 12 March 2018 and the Definitive Additional Materials to the Proxy
Statement on Schedule 14A of the Issuer filed with the SEC on 12 March 2018 (the "BAC
Additional Proxy Materials" and, together with the 2018 BAC Proxy Statement, the "BAC
2018 Proxy").
The table below sets out the relevant page references for the information incorporated into this
Prospectus by reference. The information incorporated by reference that is not included in the cross-
reference list is considered as additional information and is not required by the relevant schedules of
Commission Regulation (EC) No. 809/2004 (as amended). Information not incorporated by reference
are not relevant for the investor or are covered in other parts of this Prospectus.
Any documents themselves incorporated by reference in any document incorporated by reference in
this Prospectus shall not form part of this Prospectus.
Documents Incorporated by Reference Cross-Reference List
Page Number

Offering Circular

Overview of the Programme
Pages 23 to 33
Risk Factors
Pages 35 to 51
and 53 to 55
Form of the Instruments
Pages 108 to 112
Terms and Conditions of the Notes
Pages 150 to 192
Use of Proceeds of the Notes
Page 193
Book-Entry Clearing Systems
Pages 624 to 627

2

Documents Incorporated by Reference
Documents Incorporated by Reference Cross-Reference List
Page Number

Notice to Purchasers and Holders of Instruments and Transfer Restrictions 
Page 628
Notes issued by BAC
Bank of America Corporation
Pages 643 to 646
Selected Financial Data of Bank of America Principal Shareholders
Page 648
ERISA Matters
Pages 658 to 659
Taxation
Pages 660 to 681
Offering and Sale
Pages 682 to 710
General Information

- (1) Authorisation
Page 711
- (5) Auditors and Financial Statements BAC
Pages 712 to 713

Supplement No. 3

Change of Registrar
Page 3

Supplement No. 4

Update to Introductory Paragraphs of the Offering Circular
Page 2

Supplement No. 7

Entire Document
Pages 1 to 6

Supplement No. 8

Entire Document
Pages 1 to 3

BAC 2017 Annual Report

Part I

Item 1. Business
Pages 1 to 5
Item 1A. Risk Factors
Pages 5 to 16
Item 1B. Unresolved Staff Comments
Page 16
Item 2. Properties
Page 16
Item 3. Legal Proceedings
Page 16
Item 4. Mine Safety Disclosures
Page 16

Part II

Item 5. Market for Registrant's Common Equity, Related Stockholder Matters
Page 17
and Issuer Purchases of Equity Securities
Item 6. Selected Financial Data
Page 17
Item 7. Management's Discussion and Analysis of Financial Condition and
Page 18 to 94
Results of Operations
Item 7A. Quantitative and Qualitative Disclosures about Market Risk
Page 95
Item 8. Financial Statements and Supplementary Data
Pages 95 to 190
Item 9. Changes in and Disagreements with Accountants on Accounting and
Page 191
Financial Disclosure
Item 9A. Controls and Procedures
Page 191
Item 9B. Other Information
Page 191

Part III

Item 10. Directors, Executive Officers and Corporate Governance
Page 192
Item 11. Executive Compensation
Page 192
Item 12. Security Ownership of Certain Beneficial Owners and Management
Page 193
and Related Stockholder Matters
Item 13. Certain Relationships and Related Transactions, and Director
Page 193
Independence
Item 14. Principal Accounting Fees and Services
Page 193

Part IV

Item 15. Exhibits, Financial Statement Schedules (including all listed)
Page 194 to 196
Signatures
Pages 197 to 198
Exhibit 12. Ratio of Earnings to Fixed Charges and Ratio of Earnings to
Page 201*

3

Documents Incorporated by Reference
Documents Incorporated by Reference Cross-Reference List
Page Number

Fixed Charges and Preferred Dividends
Exhibit 21. Direct and Indirect Subsidiaries of Bank of America Corporation Pages 203* to 204*
As of December 31, 2016
Exhibit 24. Power of Attorney
Pages 206* to 207*

BAC 30 September 2018 Quarterly Report

Part I

Item 1. Financial Statements

Consolidated Statement of Income
Page 54
Consolidated Statement of Comprehensive Income
Page 55
Consolidated Balance Sheet
Pages 56 to 57
Consolidated Statement of Changes in Shareholders' Equity
Page 58
Consolidated Statement of Cash Flows
Page 59
Notes to Consolidated Financial Statements
Page 60
1 Summary of Significant Accounting Principles
Page 60
2 Noninterest Income
Page 62
3 Derivatives
Pages 63 to 70
4 Securities
Pages 71 to 73
5 Outstanding Loans and Leases
Pages 74 to 84
6 Allowance for Credit Losses
Pages 85 to 86
7 Securitizations and Other Variable Interest Entities
Pages 87 to 90
8 Goodwill and Intangible Assets
Page 91
9 Federal Funds Sold or Purchased, Securities Financing Agreements and
Pages 92 to 93
Short-term Borrowings
10 Commitments and Contingencies
Pages 94 to 96
11 Shareholders' Equity
Page 96
12 Accumulated Other Comprehensive Income (Loss)
Page 97
13 Earning Per Common Share
Page 98
14 Fair Value Measurements
Pages 98 to 107
15 Fair Value Option
Pages 107 to 108
16 Fair Value of Financial Instruments
Pages 108 to 109
17 Business Segment Information
Pages 109 to 112
Glossary
Page 113
Acronyms
Page 114

Item 2. Management's Discussion and Analysis of Financial Condition and

Results of Operations
Executive Summary
Pages 3 to 5
Business Overview
Page 3
Recent Events
Page 3
Financial Highlights
Pages 3 to 5
Supplemental Financial Data
Pages 6 to 10
Business Segment Operations
Pages 11 to 22
Consumer Banking
Page 11
Global Wealth & Investment Management
Pages 11 to 14
Global Banking
Pages 17 to 19
Global Markets
Pages 19 to 20
All Other
Pages 21 to 22
Off-Balance Sheet Arrangements and Contractual Obligations
Page 22
Managing Risk
Page 22
Capital Management
Pages 22 to 26
Liquidity Risk
Pages 26 to 28
Credit Risk Management
Pages 28 to 46
Consumer Portfolio Credit Risk Management
Pages 28 to 37
Commercial Portfolio Credit Risk Management
Pages 37 to 42
Non-U.S. Portfolio
Pages 42 to 43
Provision for Credit Losses
Page 44
Allowance for Credit Losses
Pages 44 to 46

4

Documents Incorporated by Reference
Documents Incorporated by Reference Cross-Reference List
Page Number

Market Risk Management
Pages 47 to 51
Trading Risk Management
Pages 47 to 49
Interest Rate Risk Management for the Banking Book
Pages 49 to 50
Mortgage Banking Risk Management
Pages 50 to 51
Complex Accounting Estimates
Page 52
Non-GAAP Reconciliations
Page 52
Item 3. Quantitative and Qualitative Disclosures about Market Risk
Page 53
Item 4. Controls and Procedures
Page 53

Part II Other Information

Item 1. Legal Proceedings
Page 115
Item 1A. Risk Factors
Page 115
Item 2. Unregistered Sales of Equity Securities and Use of Proceeds
Page 115
Item 6. Exhibits
Page 116
Signature
Page 116
Exhibit 12
Page 118*

BAC 17 January 2018 Form 8-K

Item 2.02. Results of Operations and Financial Condition.
Page 2*
Item 9.01. Financial Statements and Exhibits.
Page 2*
Signatures
Page 3*
Exhibit 99.1. The Press Release
Pages 4* to 21*

BAC 9 February 2018 Form 8-K

Item 8.01. Other Events
Page 2
Signatures
Page 3

BAC 15 March 2018 Form 8-K

Item 3.03. Material Modification to Rights of Security Holders
Page 2
Item 5.03. Amendments to Articles of Incorporation or Bylaws; Change in
Page 2
Fiscal Year.
Item 8.01. Other Events
Page 2
Item 9.01. Financial Statements and Exhibits.
Page 3
Signatures
Page 4
Exhibit 1.1. Underwriting Agreement, dated March 8, 2018 with respect to
Pages 5* to 32*
the offering of 2,350,000 Depositary Shares, each representing a 1/25th
interest in a share of Series FF Preferred Stock
Exhibit 3.1. Certificate of Designations for the Series FF Preferred Stock
Pages 33* to 43*
Exhibit 4.1. Deposit Agreement related to the Depositary Shares, dated
Pages 44* to 72*
March 14, 2018, among the Corporation, Computershare Inc.,
Computershare Trust Company, N.A. and the Holders from time to time of
the Depositary Receipts
Exhibit 4.2. Form of Depositary Receipt for the Depositary Shares (included
Pages 70* to 72*
in Exhibit 4.1)
Exhibit 5.1. Opinion of McGuireWoods LLP, regarding legality of the Series
Pages 73* to 74*
FF Preferred Stock and the Depositary Shares

BAC 16 April 2018 Form 8-K

Item 2.02. Results of Operations and Financial Condition.
Page 2*
Item 9.01. Financial Statements and Exhibits.
Page 2*
Signatures
Page 3*
Exhibit 99.1. The Press Release
Pages 4* to 21*

BAC 25 April 2018 Form 8-K

Item 5.07 Submission of Matters to a Vote of Security Holders
Page 2*
Signatures
Page 3*

5

Documents Incorporated by Reference
Documents Incorporated by Reference Cross-Reference List
Page Number

BAC 30 April 2018 Form 8-K
Item 8.01. Other Events.
Page 2
Item 9.01. Financial Statements and Exhibits.
Page 2
Signatures
Page 3
Exhibit 99.1. News Release dated April 30, 2018.
Pages 4* to 6*

BAC 16 May 2018 Form 8-K

Item 3.03. Material Modification to Rights of Security Holders
Page 2
Item 5.03. Amendments to Articles of Incorporation or Bylaws; Change in
Page 2
Fiscal Year.
Item 8.01. Other Events
Page 2
Item 9.01. Financial Statements and Exhibits.
Page 3*
Signatures
Page 4*
Exhibit 1.1. Underwriting Agreement, dated May 7, 2018 with respect to the
Pages 5* to 35*
offering of Depositary Shares, each representing a 1/1,000th interest in a
share of Series GG Preferred Stock
Exhibit 3.1. Certificate of Designations for the Series GG Preferred Stock,

incorporated by reference to Exhibit 3.1 of the Corporation's Registration
Statement on Form 8-A, filed on May 16, 2018
Exhibit 4.1. Deposit Agreement related to the Depositary Shares, dated May

15, 2018, among the Corporation, Computershare Inc., Computershare Trust
Company, N.A. and the Holders from time to time of the Depositary Receipts,
incorporated by reference to Exhibit 4.1 of the Corporation's Registration
Statement on Form 8-A, filed on May 16, 2018
Exhibit 4.2. Form of Depositary Receipt for the Depositary Shares (included

in Exhibit 4.1)
Exhibit 5.1. Opinion of McGuireWoods LLP, regarding legality of the Series
Pages 36* to 37*
GG Preferred Stock and the Depositary Shares

BAC 28 June 2018 Form 8-K

Item 8.01. Other Events.
Page 2
Item 9.01. Financial Statements and Exhibits.
Page 2
Signatures
Page 3
Index to Exhibits
Page 4
Exhibit 99.1. News Release dated 28 June 2018
Pages 5* to 6*

BAC 16 July 2018 Form 8-K

Item 2.02. Results of Operations and Financial Condition.
Page 2*
Item 9.01. Financial Statements and Exhibits.
Page 2*
Signatures
Page 3*
Exhibit 99.1. The Press Release dated 16 July 2018
Pages 4* to 22*

BAC 15 October 2018 Form 8-K

Item 2.02. Results of Operations and Financial Condition.
Page 2*
Item 9.01. Financial Statements and Exhibits.
Page 2*
Signatures.
Page 3*
Exhibit 99.1. The Press Release dated 15 October 2018.
Pages 4* to 22*

BAC 24 October 2018 Form 8-K

Item 5.02. Departure of Directors or Certain Officers; Election of Directors;
Page 2
Appointment of Certain Officers; Compensatory Arrangements of Certain
Officers.
Item 9.01. Financial Statements and Exhibits.
Page 2
Signatures
Page 3
Exhibit 99.1. News Release dated 24 October 2018
Pages 4* to 5*

BAC 26 October 2018 Form 8-K

Item 5.02. Departure of Directors or Certain Officers; Election of Directors;
Page 2

6