Bond America Bank Corporation 0% ( US06053W8394 ) in USD

Issuer America Bank Corporation
Market price 100 %  ▲ 
Country  United States
ISIN code  US06053W8394 ( in USD )
Interest rate 0%
Maturity 30/10/2020 - Bond has expired



Prospectus brochure of the bond Bank of America Corporation US06053W8394 in USD 0%, expired


Minimal amount 10 USD
Total amount 41 093 000 USD
Cusip 06053W839
Standard & Poor's ( S&P ) rating N/A
Moody's rating N/A
Detailed description Bank of America Corporation is a multinational financial services corporation headquartered in Charlotte, North Carolina, offering a wide range of financial products and services to individuals, small businesses, and large corporations worldwide.

The Bond issued by America Bank Corporation ( United States ) , in USD, with the ISIN code US06053W8394, pays a coupon of 0% per year.
The coupons are paid 2 times per year and the Bond maturity is 30/10/2020







424B2 1 ml2-tvx6c1ioa6exxiuk_1098.htm 424B2
File d Pursua nt t o Rule 4 2 4 (b)(2 )
Re gist ra t ion St a t e m e nt N o. 3 3 3 -2 0 2 3 5 4
(T o Prospe c t us da t e d M a y 1 , 2 0 1 5 ,
Prospe c t us Supple m e nt da t e d M a y 4 , 2 0 1 5 a nd
Produc t Supple m e nt EQU I T Y I N DI CES LI RN -1 da t e d
M a y 4 , 2 0 1 5 )
4,109,328 Units
$10 principal amount per unit
Pricing Date
October 16, 2015
CUSIP No. 06053W839
Settlement Date
October 27, 2015
Maturity Date
October 30, 2020
¦ Maturity of approximately five years
¦ 182.00% participation in increases in the Index
¦ 1-to-1 downside exposure to decreases in the Index, with 100% of your investment at risk
¦ All payments occur at maturity and are subject to the credit risk of Bank of America Corporation
¦ No periodic interest payments
¦ Limited secondary market liquidity, with no exchange listing
Le ve ra ge d I nde x Re t urn N ot e s® Link e d t o t he
Dow J one s I ndust ria l Ave ra ge SM

T he not e s a re be ing issue d by Ba nk of Am e ric a Corpora t ion ("BAC"). T he re a re im port a nt diffe re nc e s be t w e e n t he
not e s a nd a c onve nt iona l de bt se c urit y, inc luding diffe re nt inve st m e nt risk s a nd c e rt a in a ddit iona l c ost s. Se e "Risk
Fa c t ors" be ginning on pa ge T S -6 of t his t e rm she e t a nd be ginning on pa ge PS -6 of produc t supple m e nt EQU I T Y
I N DI CES LI RN -1 .
T he init ia l e st im a t e d va lue of t he not e s a s of t he pric ing da t e is $ 9 .5 4 pe r unit , w hic h is le ss t ha n t he public
offe ring pric e list e d be low . See "Summary" on the following page, "Risk Factors" beginning on page TS-6 of this term sheet and
"Structuring the Notes" 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.
_________________________
Per Unit
Total
Public offering price
$10.00
$41,093,280
Underwriting discount
$0.25
$1,027,332
Proceeds, before expenses, to BAC
$9.75
$40,065,948
T he not e s:
Are N ot FDI C I nsure d
Are N ot Ba nk Gua ra nt e e d
M a y Lose V a lue
M e rrill Lync h & Co.
October 16, 2015
Leveraged Index Return Notes®
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Linked to the Dow Jones Industrial AverageSM, due October 30,
2020
Summary
The Leveraged Index Return Notes® Linked to the Dow Jones Industrial AverageSM, due October 30, 2020 (the "notes") are our senior
unsecured debt securities. The notes are not guaranteed or insured by the Federal Deposit Insurance Corporation or secured by collateral. T he
not e s w ill ra nk e qua lly w it h a ll of our ot he r unse c ure d a nd unsubordina t e d de bt . Any pa ym e nt s due on t he not e s,
inc luding a ny re pa ym e nt of princ ipa l, w ill be subje c t t o t he c re dit risk of BAC. The notes provide you a leveraged return if the
Ending Value of the Market Measure, which is the Dow Jones Industrial AverageSM (the "Index"), is greater than its Starting Value. If the Ending
Value is less than the Threshold Value, you will lose all or a portion of the principal amount of your notes. Payments on the notes, including the
amount you receive at maturity, will be calculated based on the $10 principal amount per unit and will depend on the performance of the Index,
subject to our credit risk. See "Terms of the Notes" below.
The economic terms of the notes (including the Participation Rate) are based on our internal funding rate, which is the rate we would pay to
borrow funds through the issuance of market-linked notes and the economic terms of certain related hedging arrangements. Our internal funding
rate is typically lower than the rate we would pay when we issue conventional fixed or floating rate debt securities. This difference in funding
rate, as well as the underwriting discount and the hedging related charge described below, 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 pay 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 and our affiliates' pricing models, which take into consideration our 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.
Terms of the Notes
Redemption Amount Determination
I ssue r:
Bank of America Corporation ("BAC")
On the maturity date, you will receive a cash payment per unit determined as
Princ ipa l Am ount : $10.00 per unit
follows:
T e rm :
Approximately five years
M a rk e t M e a sure :
Dow Jones Industrial AverageSM (Bloomberg symbol:
"INDU"), a price return index.
St a rt ing V a lue :
17,215.97
Ending V a lue :
The average of the closing levels of the Market
Measure on each scheduled calculation day occurring
during the maturity valuation period. The calculation
days are subject to postponement in the event of
Market Disruption Events, as described beginning on
page PS-18 of product supplement EQUITY INDICES
LIRN-1.
T hre shold V a lue :
17,215.97 (100% of the Starting Value).
Pa rt ic ipa t ion Ra t e : 182%
M a t urit y V a lua t ion October 21, 2020, October 22, 2020, October 23,
Pe riod:
2020, October 26, 2020 and October 27, 2020
Fe e s a nd Cha rge s: The underwriting discount of $0.25 per unit listed on
the cover page and the hedging related charge of
$0.075 per unit described in "Structuring the Notes"
on page TS-10.
Ca lc ula t ion Age nt : Merrill Lynch, Pierce, Fenner & Smith Incorporated
("MLPF&S"), a subsidiary of BAC.
Leveraged Index Return Notes®
TS-2
Leveraged Index Return Notes®
Linked to the Dow Jones Industrial AverageSM, due October 30,
2020
The terms and risks of the notes are contained in this term sheet and in the following:
¦ Product supplement EQUITY INDICES LIRN-1 dated May 4, 2015:
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http://www.sec.gov/Archives/edgar/data/70858/000119312515168291/d919016d424b5.htm
¦ Series L MTN prospectus supplement dated May 4, 2015 and prospectus dated May 1, 2015:
http://www.sec.gov/Archives/edgar/data/70858/000119312515167979/d865347d424b3.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 as indicated above or obtained from MLPF&S by calling 1-800-294-1322. Before you invest, you should read
the Note Prospectus, including this term sheet, for information about us and this offering. Any prior or contemporaneous oral statements and
any other written materials you may have received are superseded by the Note Prospectus. Capitalized terms used but not defined in this term
sheet have the meanings set forth in product supplement EQUITY INDICES LIRN-1. Unless otherwise indicated or unless the context requires
otherwise, all references in this document to "we," "us," "our," or similar references are to BAC.
Investor Considerations
Y ou m a y w ish t o c onside r a n inve st m e nt in t he not e s if:
T he not e s m a y not be a n a ppropria t e inve st m e nt for you
if:
¦ You anticipate that the Index will increase from the Starting
¦ You believe that the Index will decrease from the Starting
Value to the Ending Value.
Value to the Ending Value or that it will not increase
sufficiently over the term of the notes to provide you with
¦ You are willing to risk a loss of principal and return if the
Index decreases from the Starting Value to the Ending
your desired return.
Value.
¦ You seek principal repayment or preservation of capital.
¦ You are willing to forgo the interest payments that are paid
¦ You seek interest payments or other current income on your
on conventional interest bearing debt securities.
investment.
¦ You are willing to forgo dividends or other benefits of
¦ You want to receive dividends or other distributions paid on
owning the stocks included in the Index.
the stocks included in the Index.
¦ You are willing to accept a limited or no market for sales
¦ You seek an investment for which there will be a liquid
prior to maturity, and understand that the market prices for
secondary market.
the notes, if any, will be affected by various factors,
¦ You are unwilling or are unable to take market risk on the
including our actual and perceived creditworthiness, our
notes or to take our credit risk as issuer of the notes.
internal funding rate and fees and charges on the notes.
¦ You are willing to assume our credit risk, as issuer of the
notes, for all payments under the notes, including the
Redemption Amount.
We urge you to consult your investment, legal, tax, accounting, and other advisors before you invest in the notes.
Leveraged Index Return Notes®
TS-3
Leveraged Index Return Notes®
Linked to the Dow Jones Industrial AverageSM, due October 30,
2020
Hypothetical Payout Profile and Examples of Payments at
Maturity
Le ve ra ge d I nde x Re t urn N ot e s®
This graph reflects the returns on the notes based on the Participation
Rate of 182% and the Threshold Value of 100% of the Starting Value.
The green line reflects the returns on the notes, while the dotted gray
line reflects the returns of a direct investment in the stocks included in
the Index, excluding dividends.
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,
a hypothetical Threshold Value of 100, the Participation Rate of 182% and a range of hypothetical Ending Values. T he a c t ua l a m ount you
re c e ive a nd t he re sult ing t ot a l ra t e of re t urn w ill de pe nd on t he a c t ua l St a rt ing V a lue , T hre shold V a lue , Ending
V a lue , a nd w he t he r you hold t he not e s t o m a t urit y. The following examples do not take into account any tax consequences from
investing in the notes.
For recent actual levels of the Market Measure, see "The Index" section below. The Index is a price return index and as such the Ending Value
will not include any income generated by dividends paid on the stocks included in the Index, which you would otherwise be entitled to receive if
you invested in those stocks directly. In addition, all payments on the notes are subject to issuer credit risk.
Pe rc e nt a ge Cha nge from
t he St a rt ing V a lue t o t he
T ot a l Ra t e of Re t urn on t he
Ending V a lue
Ending V a lue
Re de m pt ion Am ount pe r U nit (1)
N ot e s
0.00
-100.00%
$0.000
-100.00%
50.00
-50.00%
$5.000
-50.00%
80.00
-20.00%
$8.000
-20.00%
90.00
-10.00%
$9.000
-10.00%
94.00
-6.00%
$9.400
-6.00%
97.00
-3.00%
$9.700
-3.00%
100.00(2)(3)
0.00%
$10.000
0.00%
102.00
2.00%
$10.364
3.64%
105.00
5.00%
$10.910
9.10%
110.00
10.00%
$11.820
18.20%
120.00
20.00%
$13.640
36.40%
130.00
30.00%
$15.460
54.60%
140.00
40.00%
$17.280
72.80%
150.00
50.00%
$19.100
91.00%
160.00
60.00%
$20.920
109.20%
(1) The Redemption Amount per unit is based on the Participation Rate.
(2) The hypot he t ic a l Starting Value of 100 used in these examples has been chosen for illustrative purposes only.
The actual Starting Value is 17,215.97, which was the closing level of the Market Measure on the pricing date.
(3) This is the hypot he t ic a l Threshold Value.
Leveraged Index Return Notes®
TS-4
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Leveraged Index Return Notes®
Linked to the Dow Jones Industrial AverageSM, due October 30,
2020
Re de m pt ion Am ount Ca lc ula t ion Ex a m ple s
Ex a m ple 1
The Ending Value is 90.00, or 90.00% of the Starting Value:
Starting Value: 100.00
Threshold Value: 100.00
Ending Value: 90.00
Redemption Amount per unit
Ex a m ple 2
The Ending Value is 150.00, or 150.00% of the Starting Value:
Starting Value: 100.00
Ending Value: 150.00
= $ 1 9 .1 0 Redemption Amount per unit
Leveraged Index Return Notes®
TS-5
Leveraged Index Return Notes®
Linked to the Dow Jones Industrial AverageSM, due October 30,
2020
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-6 of product supplement EQUITY INDICES LIRN-1, page S-5 of the Series L MTN prospectus supplement, and
page 9 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.
¦ Depending on the performance of the Index 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 actual or perceived changes in our creditworthiness are expected to
affect the value of the notes. If we become insolvent or are unable to pay our obligations, you may lose your entire investment.
¦ Your investment return may be less than a comparable investment directly in the stocks included in the Index.
¦ The initial estimated value of the notes is an estimate only, determined as of a particular point in time by reference to our and
our affiliates' pricing models. These pricing models consider certain assumptions and variables, including our credit spreads,
our 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 pay 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
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due to, among other things, changes in the level of the Index, our internal funding rate, and the inclusion in the public offering
price of the underwriting discount and the hedging related charge, 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, MLPF&S or any of our 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 Index, our
creditworthiness and changes in market conditions.
¦ A trading market is not expected to develop for the notes. Neither we nor MLPF&S is obligated to make a market for, or to
repurchase, the notes. There is no assurance that any party will be willing to purchase your notes at any price in any secondary
market.
¦ Our business activities as a full service financial institution, including our commercial and investment banking activities, our
hedging and trading activities (including trades in shares of companies included in the Index) and any hedging and trading
activities we engage in for our clients' accounts, may affect the market value and return of the notes and may create conflicts of
interest with you.
¦ The Index sponsor may adjust the Index in a way that affects its level, and has no obligation to consider your interests.
¦ You will have no rights of a holder of the securities represented by the Index, and you will not be entitled to receive securities or
dividends or other distributions by the issuers of those securities.
¦ While we or our affiliates may from time to time own securities of companies included in the Index, we do not control any
company included in the Index, and are not responsible for any disclosure made by any company.
¦ There may be potential conflicts of interest involving the calculation agent. We have the right to appoint and remove the
calculation agent.
¦ 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-25 of product
supplement EQUITY INDICES LIRN-1.
Leveraged Index Return Notes®
TS-6
Leveraged Index Return Notes®
Linked to the Dow Jones Industrial AverageSM, due October 30,
2020
The Index
All disclosures contained in this term sheet regarding the Index, including, without limitation, its make up, method of calculation, and changes in
its components, have been derived from publicly available sources. The information reflects the policies of Dow Jones Indexes, the marketing
name of CME Group Index Services LLC ("CME Indexes", the "Index sponsor"), and is subject to change by Dow Jones Indexes. Dow Jones
Indexes has no obligation to continue to publish, and may discontinue publication of, the Index. The consequences of Dow Jones Indexes
discontinuing publication of the Index are discussed in the section entitled "Description of LIRNs - Discontinuance of an Index" on page PS-19 of
product supplement EQUITY INDICES LIRN-1. Neither we nor MLPF&S accept any responsibility for the calculation, maintenance, or
publication of the Index or any successor index.
Public a t ion of t he I nde x
Unless otherwise stated, all information on the Index provided in this term sheet is derived from Dow Jones Indexes, the marketing name and a
licensed trademark of CME Indexes. The Index is a price-weighted index, which means an underlying stock's weight in the Index is based on its
price per share rather than the total market capitalization of the issuer. The Index is designed to provide an indication of the composite
performance of 30 common stocks of corporations representing a broad cross-section of U.S. industry. The corporations represented in the
Index tend to be market leaders in their respective industries and their stocks are typically widely held by individuals and institutional investors.
The Index is maintained by an Averages Committee comprised of the Managing Editor of The Wall Street Journal ("WSJ"), the head of Dow
Jones Indexes research and the head of CME Group Inc. research. The Averages Committee was created in March 2010, when Dow Jones
Indexes became part of CME Group Index Services, LLC, a joint venture company owned 90% by CME Group Inc. and 10% by Dow Jones &
Company. Generally, composition changes occur only after mergers, corporate acquisitions or other dramatic shifts in a component's core
business. When such an event necessitates that one component be replaced, the entire Index is reviewed. As a result, when changes are made
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they typically involve more than one component. While there are no rules for component selection, a stock typically is added only if it has an
excellent reputation, demonstrates sustained growth, is of interest to a large number of investors and accurately represents the sector(s) covered
by the average.
Changes in the composition of the Index are made entirely by the Averages Committee without consultation with the corporations represented in
the Index, any stock exchange, any official agency or us. Unlike most other indices, which are reconstituted according to a fixed review
schedule, constituents of the Index are reviewed on an as-needed basis. Changes to the common stocks included in the Index tend to be made
infrequently, and the underlying stocks of the Index may be changed at any time for any reason. The companies currently represented in the
Index are incorporated in the United States and its territories and their stocks are listed on the New York Stock Exchange and NASDAQ.
The Index initially consisted of 12 common stocks and was first published in the WSJ in 1896. The Index was increased to include 20 common
stocks in 1916 and to 30 common stocks in 1928. The number of common stocks in the Index has remained at 30 since 1928, and, in an effort
to maintain continuity, the constituent corporations represented in the Index have been changed on a relatively infrequent basis. Nine main
groups of companies constitute the Index, with the approximate sector weights of the Index as of September 30, 2015 indicated in
parentheses: Technology (14.2%); Industrials (21.9%); Financials (17.8%); Consumer Services (9.3%); Healthcare (15.6%); Oil & Gas (2.3%);
Consumer Goods (13.1%); Telecommunications (4.8%); and Basic Materials (1.0%).
Com put a t ion of t he I nde x
The level of the Index is the sum of the primary exchange prices of each of the 30 component stocks included in the Index, divided by a divisor
that is designed to provide a meaningful continuity in the level of the Index. Because the Index is price-weighted, stock splits or changes in the
component stocks could result in distortions in the Index level. In order to prevent these distortions related to extrinsic factors, the divisor is
periodically changed in accordance with a mathematical formula that reflects adjusted proportions within the Index. The current divisor of the
Index is published daily in the WSJ and other publications. In addition, other statistics based on the Index may be found in a variety of publicly
available sources.
Leveraged Index Return Notes®
TS-7
Leveraged Index Return Notes®
Linked to the Dow Jones Industrial AverageSM, due October 30,
2020
The following table presents the listing symbol, industry group, price per share, and component stock weight for each of the top 10 component
stocks in the Index based on publicly available information on September 30, 2015.
Com pone nt St oc k
I ssue r of Com pone nt St oc k
Sym bol
I ndust ry
We ight
The Goldman Sachs Group, Inc.
GS
Investment Services
7.13%
International Business Machines Corporation IBM
Computer Services
5.95%
3M Company
MMM
Diversified Industrials
5.82%
The Boeing Company
BA
Aerospace
5.37%
NIKE, Inc.
NKE
Footwear
5.05%
UnitedHealth Group Incorporated
UNH
Health Care Providers
4.76%
The Home Depot, Inc.
HD
Home Improvement Retailers
4.74%
Apple Inc.
AAPL
Computer Hardware
4.53%
The Walt Disney Company
DIS
Broadcasting & Entertainment
4.19%
The Travelers Companies, Inc.
TRV
Property & Casualty Insurance
4.08%

The following graph shows the daily historical performance of the Index in the period from January 1, 2008 through October 16, 2015.
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 closing level of the Index was 17,215.97.
H ist oric a l Pe rform a nc e of t he I nde x
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This historical data on the Index is not necessarily indicative of the future performance of the Index or what the value of the notes may
be. Any historical upward or downward trend in the level of the Index during any period set forth above is not an indication that the
level of the Index 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 levels and trading pattern of the Index.
Leveraged Index Return Notes®
TS-8
Leveraged Index Return Notes®
Linked to the Dow Jones Industrial AverageSM, due October 30,
2020
Lic e nse Agre e m e nt
S&P® is a registered trademark of Standard & Poor's Financial Services LLC ("S&P") and Dow Jones® is a registered trademark of Dow Jones
Trademark Holdings LLC ("Dow Jones"). These trademarks have been licensed for use by S&P Dow Jones Indices LLC. "Standard & Poor's®",
"S&P 500®" and "S&P®" are trademarks of S&P. These trademarks have been sublicensed for certain purposes by our subsidiary, MLPF&S.
The Index is a product of S&P Dow Jones Indices LLC and/or its affiliates and has been licensed for use by MLPF&S.
The notes are not sponsored, endorsed, sold or promoted by S&P Dow Jones Indices LLC, Dow Jones, S&P or any of their respective affiliates
(collectively, "S&P Dow Jones Indices"). S&P Dow Jones Indices make no representation or warranty, express or implied, to the holders of
the notes or any member of the public regarding the advisability of investing in securities generally or in the notes particularly or the ability of the
Index to track general market performance. S&P Dow Jones Indices' only relationship to MLPF&S with respect to the Index is the licensing of
the Index and certain trademarks, service marks and/or trade names of S&P Dow Jones Indices and/or its third party licensors. The Index is
determined, composed and calculated by S&P Dow Jones Indices without regard to us, MLPF&S, or the notes. S&P Dow Jones Indices have
no obligation to take our needs or the needs of MLPF&S or holders of the notes into consideration in determining, composing or calculating the
Index. S&P Dow Jones Indices are not responsible for and have not participated in the determination of the prices, and amount of the notes or
the timing of the issuance or sale of the notes or in the determination or calculation of the equation by which the notes are to be converted into
cash. S&P Dow Jones Indices have no obligation or liability in connection with the administration, marketing or trading of the notes. There is no
assurance that investment products based on the Index will accurately track index performance or provide positive investment returns. S&P
Dow Jones Indices LLC and its subsidiaries are not investment advisors. Inclusion of a security or futures contract within an index is not a
recommendation by S&P Dow Jones Indices to buy, sell, or hold such security or futures contract, nor is it considered to be investment
advice. Notwithstanding the foregoing, CME Group Inc. and its affiliates may independently issue and/or sponsor financial products unrelated
to the notes currently being issued by us, but which may be similar to and competitive with the notes. In addition, CME Group Inc. and its
affiliates may trade financial products which are linked to the performance of the Index. It is possible that this trading activity will affect the value
of the notes.
S&P DOW JONES INDICES DO NOT GUARANTEE THE ADEQUACY, ACCURACY, TIMELINESS AND/OR THE COMPLETENESS OF THE
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INDEX OR ANY DATA RELATED THERETO OR ANY COMMUNICATION, INCLUDING BUT NOT LIMITED TO, ORAL OR WRITTEN
COMMUNICATION (INCLUDING ELECTRONIC COMMUNICATIONS) WITH RESPECT THERETO. S&P DOW JONES INDICES SHALL NOT
BE SUBJECT TO ANY DAMAGES OR LIABILITY FOR ANY ERRORS, OMISSIONS, OR DELAYS THEREIN. S&P DOW JONES INDICES
MAKE NO EXPRESS OR IMPLIED WARRANTIES, AND EXPRESSLY DISCLAIMS ALL WARRANTIES, OF MERCHANTABILITY OR FITNESS
FOR A PARTICULAR PURPOSE OR USE OR AS TO RESULTS TO BE OBTAINED BY US, MLPF&S, HOLDERS OF THE NOTES, OR ANY
OTHER PERSON OR ENTITY FROM THE USE OF THE INDEX OR WITH RESPECT TO ANY DATA RELATED THERETO. WITHOUT
LIMITING ANY OF THE FOREGOING, IN NO EVENT WHATSOEVER SHALL S&P DOW JONES INDICES BE LIABLE FOR ANY INDIRECT,
SPECIAL, INCIDENTAL, PUNITIVE, OR CONSEQUENTIAL DAMAGES INCLUDING BUT NOT LIMITED TO, LOSS OF PROFITS, TRADING
LOSSES, LOST TIME OR GOODWILL, EVEN IF THEY HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, WHETHER IN
CONTRACT, TORT, STRICT LIABILITY, OR OTHERWISE. THERE ARE NO THIRD PARTY BENEFICIARIES OF ANY AGREEMENTS OR
ARRANGEMENTS BETWEEN S&P DOW JONES INDICES AND MLPF&S, OTHER THAN THE LICENSORS OF S&P DOW JONES INDICES.
Leveraged Index Return Notes®
TS-9
Leveraged Index Return Notes®
Linked to the Dow Jones Industrial AverageSM, due October 30,
2020
Supplement to the Plan of Distribution; Conflicts of Interest
Under our distribution agreement with MLPF&S, MLPF&S 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, a broker-dealer subsidiary of BAC, is a member of the Financial Industry Regulatory Authority, Inc. ("FINRA") and will participate as
selling agent in the distribution of the notes. Accordingly, offerings of the notes will conform to the requirements of Rule 5121 applicable to
FINRA members. MLPF&S may not 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 three business days 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 three
business days, unless the parties to any such trade expressly agree otherwise. Accordingly, purchasers who wish to trade the notes more than
three business days 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 100 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 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 trading commissions and mark-ups. MLPF&S may act as principal or agent in these market-
making transactions; however, it is not obligated to engage in any such transactions. At MLPF&S's discretion, for a short, undetermined initial
period after the issuance of the notes, MLPF&S 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 for the notes will be based on then-prevailing market conditions and other
considerations, including the performance of the Index 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 MLPF&S's estimate of the value of the notes if MLPF&S 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 MLPF&S 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.
Structuring the Notes
The notes are our debt securities, the return on which is linked to the performance of the Index. As is the case for all of our debt securities,
including our market-linked notes, the economic terms of the notes reflect our 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, we typically borrow the
funds under these notes at a rate that is more favorable to us than the rate that we might pay for a conventional fixed or floating rate debt
security. This rate, which we refer to in this term sheet as our internal funding rate, is typically lower than the rate we would pay when we issue
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
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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
Index 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 MLPF&S or one of its affiliates.
The terms of these hedging arrangements are determined by seeking bids from market participants, including MLPF&S and its affiliates, and
take into account a number of factors, including our creditworthiness, interest rate movements, the volatility of the Index, 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.
MLPF&S has advised us that the hedging arrangements will include a hedging related charge of approximately $0.075 per unit, reflecting an
estimated profit to be credited to MLPF&S 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 MLPF&S or any third party hedge providers.
For further information, see "Risk Factors--General Risks Relating to LIRNs" beginning on page PS-6 and "Use of Proceeds" on page PS-15 of
product supplement EQUITY INDICES LIRN-1.
Leveraged Index Return Notes®
TS-10
Leveraged Index Return Notes®
Linked to the Dow Jones Industrial AverageSM, due October 30,
2020
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 Index.
¦ Under this characterization and tax treatment of the notes, a U.S. Holder (as defined beginning on page 99 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 IRS or any court will agree with this characterization and tax treatment.
¦ Recently finalized Treasury regulations provide that withholding on "dividend equivalent" payments (as discussed in the product
supplement), if any, will not apply to notes issued before January 1, 2016. Additionally, the IRS has announced that withholding
under the Foreign Account Tax Compliance Act (as discussed in the prospectus) on payments of gross proceeds from a sale or
redemption of the notes will only apply to payments made after December 31, 2018.
Y ou should c onsult your ow n t a x a dvisor c onc e rning t he U .S. fe de ra l inc om e t a x c onse que nc e s t o you of a c quiring,
ow ning, a nd disposing of t he not e s, a s w e ll a s a ny t a x c onse que nc e s a rising unde r t he la w s of a ny st a t e , loc a l,
fore ign, or ot he r t a x jurisdic t ion a nd t he possible e ffe c t s of c ha nge s in U .S. fe de ra l or ot he r t a x la w s. Y ou should
re vie w c a re fully t he disc ussion unde r t he se c t ion e nt it le d "U .S. Fe de ra l I nc om e T a x Sum m a ry" be ginning on pa ge
PS -2 5 of produc t supple m e nt EQU I T Y I N DI CES LI RN -1 .
Validity of the Notes
In the opinion of McGuireWoods LLP, as counsel to BAC, when the trustee has made an appropriate entry on Schedule 1 to the Master
Registered Global Senior Note, dated May 1, 2015 (the "Master Note") identifying the notes offered hereby as supplemental obligations
thereunder in accordance with the instructions of BAC and the notes have been delivered against payment therefor as contemplated in this Note
Prospectus, all in accordance with the provisions of the indenture governing the notes, such notes will be legal, valid and binding obligations of
BAC, subject to the effect of applicable bankruptcy, insolvency (including laws related to preferences, fraudulent transfers and equitable
subordination), reorganization, moratorium, and other similar laws affecting creditors' rights generally, and to general principles of equity. This
opinion is given as of the date hereof and is limited to the laws of the State of New York and the Delaware General Corporation Law (including
the statutory provisions, all applicable provisions of the Delaware Constitution and reported judicial decisions interpreting the foregoing). In
addition, this opinion is subject to the assumption that the trustee's certificate of authentication of the Master Note has been manually signed by
one of the trustee's authorized officers and to customary assumptions about the trustee's authorization, execution and delivery of the indenture
governing the notes, the validity, binding nature and enforceability of the indenture governing the notes with respect to the trustee, the legal
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