美国银行美股招股说明书(2025-12-18版)

Linked to the Least Performing of the Nasdaq-100®Index, the Russell 2000®Index and the S&P500®Index •The Contingent Income Issuer Callable Yield Notes Linked to the Least Performing of the Nasdaq-100®Index, the Russell 2000®Index and the S&P 500®Index,due November 19, 2026 (the “Notes”) priced on December 16, 2025 and will issue on December 19, 2025.•Approximate 11 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 coupon rate of 6.75% per annum (0.5625% per month) payable monthly if the closing level ofeachUnderlying on the applicable Observation Date isgreater than or equal to 75.00% of its Starting Value, assuming the Notes have not been called.•Beginning on March 19, 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 45% 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 75.00% 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. 09711K3U8.The initial estimated value of the Notes as of the pricing date is $986.10 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-9 of this pricing supplement and “Structuring the Notes” on page PS-24of 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-9of this pricing supplement, page PS-3 of the accompanying product supplement, page S-7 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 selling concessions, fees orcommissions. The public offering price for investors purchasing the Notes in these fee-based advisory accounts may be as low as $992.50 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 $7.50, resulting in proceeds, before expenses, to BofA Finance of aslow as $992.50 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 $2.50 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 Issuer Callable Yield Notes Linked to the Least Performing of the Nasdaq-100®Index, the Russell 2000®Index and theS&P 500®Index Terms of the Notes Contingent Income Issuer Callable Yield Notes Linked to the Least Performing of the Nasdaq-100®Index, the Russell 2000®Index and theS&P 500®Index Contingent Income Issuer Callable Yield Notes Linked to the Least Performing of the Nasdaq-100®Index, the Russell 2000®Index and theS&P 500®Index Contingent Income Issuer Callable Yield Notes Linked to the Least Performing of the Nasdaq-100®Index, the Russell 2000®Index and theS&P 500®Index 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 arran