美国银行美股招股说明书(2025-10-21版)

Linked to the Least Performing of the Nasdaq-100®Index, the Russell 2000®Index and the S&P500®Index •The Contingent Income (with Memory Feature) Issuer Callable Yield Notes Linked to the Least Performing of the Nasdaq-100®Index, the Russell 2000®Index andthe S&P 500®Index, due April 21, 2027 (the “Notes”) priced on October 16, 2025 and will issue on October 21, 2025.•Approximate 18 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 coupons payable monthly if the Observation Value ofeachUnderlying on the applicable Observation Date is greater than or equal to 70.00% of itsStarting Value, assuming the Notes have not been called. The coupon per $1,000.00 in principal amount of Notes payable on the related Contingent Payment Date, ifapplicable, will equal (i) theproductof $8.209timesthe number of Contingent Payment Dates that have occurred up to the relevant Contingent Payment Date(inclusive of the relevant Contingent Payment Date)minus(ii) the sum of all Contingent Coupon Payments previously paid.•Beginning on October 21, 2026, callable monthly at our option for an amount equal to the principal amount plus the relevant Contingent Coupon Payment, ifotherwise payable.•Assuming the Notes are not called prior to maturity, ifanyUnderlying declines by more than 30% 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 receivethe 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 AmericaCorporation (“BAC” or the “Guarantor”), as guarantor of the Notes.•The Notes will not be listed on any securities exchange.•CUSIP No. 09711ML42. The initial estimated value of the Notes as of the pricing date is $988.10 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-10 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-10of 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. (1)Certain dealers who purchase the Notes for sale to certain fee-based advisory accounts may forgo some or all of their sellingconcessions, fees orcommissions. The public offering price for investors purchasing the Notes in these fee-based advisory accounts may be as low as $993.25 per $1,000.00 inprincipal amount of Notes.(2) The underwriting discount per $1,000.00 in principal amount of Notes may be as high as $6.75, resulting in proceeds, before expenses, to BofA Finance of aslow as $993.25 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. (3)In addition to the underwriting discount above, if any, an affiliate of BofA Finance will pay a referral fee of up to $3.75 per $1,000.00 in principal amount of theNotes in connection with the distribution of the Notes to other registered broker-dealers. Selling Agent Contingent Income (with Memory Feature) Issuer Callable Yield Notes Linked to the Least Performing of the Nasdaq-100®Index, the Russell2000®Index and the S&P 500®Index Terms of the Notes Contingent Income (with Memory Feature) Issuer Callable Yield Notes Linked to the Least Performing of the Nasdaq-100®Index, the Russell2000®Index and the S&P 500®Index Contingent Income (with Memory Feature) Issuer Callable Yield Notes Linked to the Least Performing of the Nasdaq-100®Index, the Russell2000®Index and the S&P 500®Index Contingent Income (with Memory Feature) Issuer Callable Yield Notes Linked to the Least Pe