美国银行美股招股说明书(2025-12-09版)

Senior Medium-Term Notes, Series AFully and Unconditionally Guaranteed by Bank of America Corporation When BofA Finance LLC (“BofA Finance”) initially offered to sell you certain of its Senior Medium-Term Notes, SeriesA (the “notes”), BofA Finance prepared apreliminary pricing supplement (each, a “preliminary pricing supplement”), which supplements and forms a part of the offering document(s) relating to such notesreferenced therein. This prospectus addendum supplements and amends the preliminary pricing supplement(s) relating to the notes you have been offered, each of which references aprospectus (the “Original Prospectus”) and a prospectus supplement (the “Original Prospectus Supplement”), each dated December30, 2022, and may reference asupplement designated as a “product supplement” (each, an “Original Product Supplement”). BofA Finance has filed a new registration statement on Form S-3 with theU.S. Securities and Exchange Commission, which became effective on December8, 2025 and, in connection therewith, BofA Finance has filed a new prospectus (the“Replacement Prospectus”), prospectus supplement (the “Replacement Prospectus Supplement”) and certain new product supplements (each, a “Replacement ProductSupplement”), each dated December8, 2025. As a result, you should read this prospectus addendum and the preliminary pricing supplement(s) relating to the notes youhave been offered together with the Replacement Prospectus, the Replacement Prospectus Supplement and, if applicable, the applicable Replacement ProductSupplement(s). With respect to each preliminary pricing supplement dated prior to the date of this prospectus addendum relating to an offering having a pricing date on or after the dateof this prospectus addendum: •all references in such preliminary pricing supplement to the Original Prospectus (or to any section of the Original Prospectus) are deemed to refer instead to theReplacement Prospectus (or to the corresponding section of the Replacement Prospectus), which may be accessed via the following link:https://www.sec.gov/Archives/edgar/data/70858/000119312525310914/d51237d424b3.htm; •all references to the Original Prospectus Supplement (or to any section of the Original Prospectus Supplement) are deemed to refer instead to the ReplacementProspectus Supplement (or to the corresponding section of the Replacement Prospectus Supplement), which may be accessed via the following link:https://www.sec.gov/Archives/edgar/data/70858/000119312525310920/d51586d424b3.htm; and •all references to an Original Product Supplement (or to any section of such Original Product Supplement) are deemed to refer instead to the applicable ReplacementProduct Supplement set forth in the table below in the row corresponding to such Original Product Supplement, each of which may be accessed via the applicablehyperlink included in such row (or to the corresponding section of such Replacement Product Supplement): Investing in the notes involves risks. See “Risk Factors” beginning on page7 of the Replacement Prospectus, “Risk Factors” beginning on page S-7 of theReplacement Prospectus Supplement and “Risk Factors” (or any similarly titled section) in any applicable Replacement Product Supplement and in theapplicable preliminary pricing supplement, as well as applicable risk factors incorporated by reference in the Replacement Prospectus from time to time, for adiscussion of certain risks that should be considered in connection with an investment in the notes. The notes are not savings accounts, deposits or other obligations of a bank. The notes are not guaranteed by Bank of America, N.A. or any other bank, and are notinsured by the Federal Deposit Insurance Corporation or any other governmental agency, and may involve investment risks, including possible loss of principal. None of the Securities and Exchange Commission, any state securities commission or any other regulatory body has approved or disapproved of the notes nor passedupon the adequacy or accuracy of this prospectus addendum, the Replacement Prospectus, the Replacement Prospectus Supplement, any Replacement ProductSupplement or any preliminary pricing supplement. Any representation to the contrary is a criminal offense. BofA Securities