美国银行美股招股说明书(2025-11-20版)

Linked to the Least Performing of the Nasdaq-100® Index, the Russell 2000®500®Index •The Auto-Callable Enhanced Return Notes Linked to the Least Performing of the Nasdaq-100® Index, the Russell 2000®November 23, 2029 (the “Notes”) priced onNovember 17, 2025 and will issue on November 20, 2025. Approximate 4 year term if not called prior to maturity. Payment on the Notes will depend on the individual performance of the Nasdaq-100®Index, the Russell 2000®“Underlying”). •Beginning with the November 18, 2026 Call Observation Date, automatically callable at an amount equal to the applicable Call Amount if, on the applicable CallObservation Date, the Observation Value of each Underlying is equal to or greater than its Call Value. The Call Values are indicated on page PS-2, and the Call •Assuming the Notes are not called prior to maturity, if the Ending Value of each Underlying is greater than or equal to 100% of its Starting Value, at maturity, you willreceive 200.00% upside exposure to increases in the value of the Least Performing Underlying from its Starting Value. •However, assuming the Notes are not called prior to maturity, ifanyUnderlying declines by more than 30% from its Starting Value, at maturity your investment will besubject to 1:1 downside exposure to decreases in the value of the Least Performing Underlying, with up to 100% of the principal at risk. Otherwise, if the Notes are 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” or the “Guarantor”), as guarantor of the Notes.• No periodic interest payments. The Notes will not be listed on any securities exchange. CUSIP No. 09711K2V7. The initial estimated value of the Notes as of the pricing date is $982.70 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” 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 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 selling concessions, fees orcommissions. The public offering price for investors purchasing the Notes in these fee-based advisory accounts may be as low as $991.00 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 $9.00, resulting in proceeds, before expenses, to BofA Finance of aslow as $991.00 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 $5.00 per $1,000.00 in principal amount of theNotes in connection with the distribution of the Notes to other registered broker-dealers. Auto-Callable Enhanced Return Notes Linked to the Least Performing of the Nasdaq-100®Index Auto-Callable Enhanced Return Notes Linked to the Least Performing of the Nasdaq-100®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 theaccompanying product supplement, with references to “Observation Dates” being read as references to “Call ObservationDates.” 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 into. BAC’s internal funding rate is typically lower than the rate itwould pay when it issues conventional fixedor floating rate debt securities. This difference in funding rate, as well as the underwriting discount, if any, the referralfee and the hedging related charges described below (see “Risk Factors” beginning on page PS-9), reduced the economic terms of the Notes to you and the 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 initialestimated value and the structuring of the Note