美国银行美股招股说明书(2025-05-13版)

Linked to the Least Performing of the Nasdaq-100®Index, the Russell 2000®500®Index •The Contingent Income Auto-Callable Yield Notes Linked to the Least Performing of the Nasdaq-100® August 13, 2026 (the “Notes”) priced onMay 9, 2025 and will issue on May 14, 2025. Approximate 15 month term if not called prior to maturity. Payments on the Notes will depend on the individual performance of the Nasdaq-100®Index, the Russell 2000®Index and the S&P 500®Index (each an“Underlying”). Contingent coupon rate of 12.13% per annum (1.0109% 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 with the November 10, 2025 Call Observation Date, automatically callable quarterly for an amount equal to the principal amount plus the relevantContingent Coupon Payment, if the closing level of each Underlying is greater than or equal to 100.00% of its Starting Value on any Call Observation Date. •Assuming the Notes are not called prior to maturity, ifanyUnderlying has declined by more than 35% from its Starting Value on any Trading Day during the Knock-InPeriod, and the Ending Value of the Least Performing Underlying is less than its Starting Value, at maturity your investment will be subject to 1:1 downside exposureto 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 The “Knock-In Period” will be the period from but excluding the pricing date to and including the Valuation Date. 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 AmericaCorporation (“BAC” or the “Guarantor”), as guarantor of the Notes. The Notes will not be listed on any securities exchange. The initial estimated value of the Notes as of the pricing date is $988.80 per $1,000.00 in principal amount of Notes, which is less than the publicoffering price listed below.The actual value of your Notes at any time will reflect many factors and cannot be predicted with accuracy. See “Risk Factors”beginning on page PS-11 of this pricing supplement and “Structuring the Notes” on page PS-26of this pricing supplement for additional information. 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 ofthe 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 of these 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. Certain dealers who purchase the Notes for sale to certain fee-based advisory accounts may forgo some or all of their selling concessions, fees orcommissions. The public offering price for investors purchasing the Notes in these fee-based advisory accounts may be as low as $997.50 per $1,000.00 inprincipal amount of Notes. The underwriting discount per $1,000.00 in principal amount of Notes may be as high as $2.50, resulting in proceeds, before expenses, to BofA Finance of aslow as $997.50 per $1,000.00 in principal amount of Notes. The total underwriting discount and proceeds, before expenses, to BofA Finance specified abovereflect the aggregate of the underwriting discounts per $1,000.00 in principal amount of Notes. In addition to the underwriting discount above, if any, an affiliate of BofA Finance will pay a referral fee of up to $5.00 per $1,000.00 in principal amount of theNotes in connection with the distribution of the Notes to other registered broker-dealers. Observation Dates, Contingent Payment Dates, Call Observation Dates and Contingent Income Auto-Callable Yield Notes Linked to the Least Performing of the Nasdaq-100®500®Index * The Call Observation Dates are subject to postponement as set forth in “Description of the Notes—Certain Terms of the Notes—Events Relating to ObservationDates” beginning on page PS-23 of the accompanying product supplement, with references to “Observation Dates” being read as references to “Call Observation 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. Theeconomic terms of the Notes are based on BAC’s internal funding rate, which is the rate it would pay to borrow funds through the issuance of market-linkednotes, and the economic terms of certain related hedging arrangements BAC’s affiliates enter i