美国银行美股招股说明书(2025-11-21版)

Linked to the Least Performing of the Energy Select Sector SPDR® the VanEck®Semiconductor ETF •The Contingent Income (with Memory Feature) Auto-Callable Yield Notes Linked to the Least Performing of the Energy Select Sector SPDR® Index and the VanEck®Semiconductor ETF, due November 21, 2030 (the “Notes”) priced on November 18, 2025 and will issue on November 21, 2025. Approximate 5 year term if not called prior to maturity. VanEck®Semiconductor ETF (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 Beginning with the November 18, 2026 Call Observation Date, automatically callable quarterly for an amount equal to the principal amount plus the relevantContingent Coupon Payment, if the Observation Value 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 declines by more than 40% from its Starting Value, at maturity your investment will be subjectto 1:1 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 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. 09711NEM8. The initial estimated value of the Notes as of the pricing date is $949.20 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-12 of this pricing supplement and “Structuring the Notes” on page PS-32of 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” beginning on page PS-12of this pricing supplement,page PS-5 of the accompanying product supplement, page S-6of 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 $958.75 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 $41.25, resulting in proceeds, before expenses, to BofA Finance ofas low as $958.75 per $1,000.00 in principal amount of Notes. The total underwriting discount and proceeds, before expenses, to BofA Finance specifiedabove reflect 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 $6.25 per $1,000.00 in principal amount of the Notes in connection with the distribution of the Notes to other registered broker-dealers. Contingent Income (with Memory Feature) Auto-Callable Yield Notes Linked to the Least Performing of the Energy Select Sector SPDRFund, the Russell 2000®Index and the VanEck®Semiconductor ETF such final Contingent Coupon Payment will be prorated by the calculation agent to reflect the length of the final contingent paymentperiod. In case of a default in the payment of the Notes, whether at their maturity or upon acceleration, the Notes will not bear a defaultinterest rate. Contingent Income (with Memory Feature) Auto-Callable Yield Notes Linked to the Least Performing of the Energy Select Sector SPDRFund, the Russell 2000®Index and the VanEck®Semiconductor ETF Contingent Income (with Memory Feature) Auto-Callable Yield Notes Linked to the Least Performing of the Energy Select Sector SPDRFund, the Russell 2000®Index and the VanEck®Semiconductor ETF 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, wh