美国银行美股招股说明书(2025-10-20版)

Linked to the Least Performing of the SPDR®Gold Shares and the iShares®Silver Trust •The Digital Return Plus Notes Linked to the Least Performing of the SPDR®Gold Shares and the iShares®Silver Trust, due October 21, 2030 (the “Notes”) priced on October16, 2025 and will issue on October 21, 2025.•Approximate 5 year term.•Payment on the Notes will depend on the individual performance of the SPDR®Gold Shares and the iShares®Silver Trust (each an “Underlying”).•If the Ending Value of each Underlying is greater than or equal to 100% of its Starting Value, at maturity, you will receive the greater of i) 138.175% upside exposure to increasesin the value of the Least Performing Underlying and ii) a digital payment of $1,950.00 per $1,000.00 in principal amount of Notes.•IfeitherUnderlying declines by more than 20% from its Starting Value, at maturity your investment will be subject to 1:1 downside exposure to decreases in the value of theLeast Performing Underlying, with up to 100% of the principal at risk; otherwise, at maturity, you will receive the principal amount.•Any payment on the Notes is subject to the credit risk of BofA Finance LLC (“BofA Finance” or the “Issuer”), as issuer of the Notes, and Bank of America Corporation (“BAC” orthe “Guarantor”), as guarantor of the Notes.•No periodic interest payments.•The Notes will not be listed on any securities exchange.•CUSIP No. 09711MRM6. The initial estimated value of the Notes as of the pricing date is $901.10 per $1,000.00 in principal amount of Notes, 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 with accuracy. See “Risk Factors” beginning on page PS-6 of this pricing supplement and“Structuring the Notes” on page PS-16of 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 the information in “Risk Factors” 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 ordetermined if this pricing supplement and the accompanying product supplement, prospectus supplement and prospectus is truthful or complete. Any representation to the contrary is acriminal 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 or commissions. The public offeringprice for investors purchasing the Notes in these fee-based advisory accounts may be as low as $966.50 per $1,000.00 in principal amount of Notes. (2)The underwriting discount per $1,000.00 in principal amount of Notes may be as high as $33.50, resulting in proceeds, before expenses, to BofA Finance of as low as $966.50 per$1,000.00 in principal amount of Notes. The total underwriting discount and proceeds, before expenses, to BofA Finance specified above reflect the aggregate of the underwritingdiscounts per $1,000.00 in principal amount of Notes. The Notes and the related guarantee: Digital Return Plus Notes Linked to the Least Performing of the SPDR®Gold Shares and the iShares®Silver Trust Terms of the Notes Digital Return Plus Notes Linked to the Least Performing of the SPDR®Gold Shares and the iShares®Silver Trust Payment on the Notes depends on the credit risk of BofA Finance, as Issuer, and BAC, as Guarantor, and on the performance of each Underlying. The economic terms of the Notes arebased 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 hedgingarrangements BAC’s affiliates enter into. BAC’s internal funding rate is typically lower than the rate it would pay when it issues conventional fixed or floating rate debt securities. Thisdifference in funding rate, as well as the underwriting discount, if any, and the hedging related charges described below (see “Risk Factors” beginning on page PS-6), reduced theeconomic terms of the Notes to you and the initial estimated value of the Notes. Due to these factors, the public offering price you are paying to purchase the Notes is greater than theinitial estimated value of the Notes as of the pricing date. The initial estimated value of the Notes as of the pricing date is set forth on the cover page of this pricing supplement. For more information about the initial estimated value and thestructuring of the Notes, see “Risk Factors” beginning on PS-6and “Structuring the Notes” on PS-16. Redemption Amount Determination Onthe Maturity Date, you will receive a cash payment per $1,000.00 in principal amount of Notes determined as follows: Hypothetical Payout Profile and Examples of Payments at Maturity Digital Return Plus Notes Table The following table is for purposes of illustration only. It is based onhypotheti