美国银行美股招股说明书(2025-05-06版)

Index, the Russell 2000®Index and the S&P Linked to the Least Performing of the Nasdaq-100®Index The Contingent Income Issuer Callable Yield Notes Linked to the Least Performing of the Nasdaq-100® “Underlying”). Contingent coupon rate of 7.25% per annum (0.6042% per month) payable monthly if the closing level ofeachUnderlying on the applicable Observation Date isgreater than or equal to 70.00% of its Starting Value, assuming the Notes have not been called. Beginning on November 25, 2025, callable monthly at our option for an amount equal to the principal amount plus the relevant Contingent Coupon Payment, if otherwise payable. Assuming the Notes are not called prior to maturity, ifanyUnderlying declines by more than 40% from its Starting Value, at maturity your investment will be subject to1:1 downside exposure to decreases in the value of the Least Performing Underlying, with up to 100% of the principal at risk; otherwise, at maturity, you will receive the principal amount. At maturity you will also receive a final Contingent Coupon Payment if the closing level ofeachUnderlying on the final Observation Date isgreater than or equal to 70.00% of its Starting Value. All payments on the Notes are subject to the credit risk of BofA Finance LLC (“BofA Finance” or the “Issuer”), as issuer of the Notes, and Bank of America The Notes will not be listed on any securities exchange. CUSIP No. 09711HHE6.The initial estimated value of the Notes as of the pricing date is expected to be between $922.50 and $922.50 per $1,000.00 in principal amount ofNotes, which is less than the public offering price listed below.The actual value of your Notes at any time will reflect many factors and cannot be predicted There are important differences between the Notes and a conventional debt security. Potential purchasers of the Notes should consider theinformation in “Risk Factors” beginning on page PS-11of this pricing supplement,page PS-5 of the accompanying product supplement, page S-6 of the accompanying prospectus supplement, and page 7 of the accompanying prospectus.None of the Securities and Exchange Commission (the “SEC”), any state securities commission, or any other regulatory body has approved or disapproved ofthese securities or determined if this pricing supplement and the accompanying product supplement, prospectus supplement and prospectus is truthful orcomplete. Any representation to the contrary is a criminal offense. Per Note$1,000.00$28.50$971.50TotalCertain dealers who purchase the Notes for sale to certain fee-based advisory accounts may forgo some or all of their selling concessions, fees or principal amount of Notes. Are Not FDIC Insured Selling Agent BofA FinanceBAC With respect to each Underlying, its closing level on the applicable Observation Date. With respect to each Underlying, its Observation Value on the Valuation Date. Threshold Value:With respect to each Underlying, 60.00% of its Starting Value. annum) on the applicable Contingent Payment Date (including the Maturity Date).Optional EarlyOn any monthly Call Payment Date, we have the right to redeem all (but not less than all) of the Notes at the Early Redemption Amount. May 20, 2026June 22, 2026 December 23, 2027January 25, 2028February 25, 2028 Any payments on the Notes depend on the credit risk of BofA Finance, as Issuer, and BAC, as Guarantor, and on the performance of the Underlyings. The would pay when it issues conventional fixed or floating rate debt securities. This difference in funding rate, as well as the underwriting discount, if any, and thehedging related charges described below (see “Risk Factors” beginning on page PS-11), will reduce the economic terms of the Notes to you and the initialestimated value of the Notes. Due to these factors, the public offering price you pay to purchase the Notes will be greater than the initial estimated value of the Notes as of the pricing date. CONTINGENT INCOME ISSUER CALLABLE YIELD NOTES |PS-6 The table below illustrates the hypothetical total Contingent Coupon Payments per $1,000.00 in principal amount of Notes over the term of the Notes, based onthe Contingent Coupon Payment of $6.042, depending on how many Contingent Coupon Payments are payable prior to an Optional Early Redemption ormaturity. Depending on the performance of the Underlyings, you may not receive any Contingent Coupon Payments during the term of the Notes. 0$0.000 Contingent Income Issuer Callable Yield Notes TableThe following table is for purposes of illustration only. It assumes the Notes have not been called prior to maturity and is based onhypotheticalvalues andshowshypotheticalreturns on the Notes. The table illustrates the calculation of the Redemption Amount and the return on the Notes based on a hypothetical Value of 60 for the Least Performing Underlying, the Contingent Coupon Payment of $6.042 per $1,000.00 in principal amount of Notes and a range ofhypothetical Ending Values of the Least Perf