美国银行美股招股说明书(2026-01-27版)

BofA Finance LLC Medium-Term Notes, Series AFully and Unconditionally Guaranteed by Bank of America CorporationMarket Linked Securities—Contingent Fixed Return and Contingent $1,245,000 Principal at Risk Securities Linked to the Common Stock of Apple Inc. due July 28,2027 Linked to the common stock of Apple Inc.(the “UnderlyingStock”)Unlike ordinary debt securities, the Securities do not pay interest or repay a fixed amount of principal at maturity. The Maturity Payment Amountwill depend on the performance of the Underlying Stock.Maturity Payment Amount.You will receive a Maturity Payment Amount that may be greater than or less than the principal amount of theSecurities, depending on the performance of the Underlying Stock from the Starting Price to the Ending Price. The Maturity Payment Amount willreflect the following terms:If the price of the Underlying Stock increases, remains flat or decreases, but the decrease is not more than 15%, you will receive theprincipal amount plus a Contingent Fixed Return of 17.10%of the principal amountIf the price of the Underlying Stock decreases by more than 15%, you will have full downside exposure to the decrease in the priceof the Underlying Stock from the Starting Price, and you will lose more than 15%, and possibly all, of the principal amount of yourSecuritiesInvestors may lose a significant portion, or all, of the principal amountThe positive return on the Securities at maturity will be limited to the Contingent Fixed Return, even if the Ending Price of the Underlying Stocksignificantly exceeds the Starting Price. You will not have the opportunity to participate in any appreciation of the Underlying Stock beyond theContingent Fixed Return All payments on the Securities are subject to the credit risk of BofA Finance LLC (“BofA Finance”), as issuer of the Securities, and Bank ofAmerica Corporation (“BAC” or the “Guarantor”), as guarantor of the Securities No periodic interest payments or dividends Securities will not be listed on any securities exchange The initial estimated value of the Securities as of the Pricing Date is $966.50 per Security, which is less than the public offeringprice listed below.The actual value of your Securities at any time will reflect many factors and cannot be predicted with accuracy. See“Selected Risk Considerations” beginning on page PS-7 of this pricing supplement and “Structuring the Securities” on page PS-14 of this pricingsupplement for additional information. conventionaldebt securities.Potential purchasers of the Securities should consider the information in“Selected RiskConsiderations”beginning on page PS-7 herein and“Risk Factors”beginning on page PS-6 of the accompanying productsupplement, page S-7 of the accompanying prospectus supplement, and page 7 of the accompanying prospectus. Wells Fargo Securities Market Linked Securities—Contingent Fixed Return and Contingent Market Linked Securities—Contingent Fixed Return and Contingent to the Common Stock of Apple Inc. due July 28, 2027 Additional Information about BofA Finance, the Guarantor and the Securities The terms and risks of the Securities are contained in this pricing supplement and in the following related product supplement,prospectus supplement and prospectus. Information included in this pricing supplement supersedes information in the productsupplement, prospectus supplement and prospectus to the extent that it is different from that information. These documents can be •Product Supplement No. WF-1 dated December 8, 2025:https://www.sec.gov/Archives/edgar/data/70858/000119312525311329/d51848d424b2.htm•Series A MTN prospectus supplement dated December 8, 2025 and prospectus dated December 8, 2025:https://www.sec.gov/Archives/edgar/data/70858/000119312525310920/d51586d424b3.htm These documents have been filed as part of a registration statement with the SEC, which may, without cost, be accessed on the SECwebsite at www.sec.gov or obtained from BofAS by calling 1-800-294-1322. Before you invest, you should read this pricing supplementand the accompanying product supplement, prospectus supplement and prospectus for information about us, BAC and this offering. Anyprior or contemporaneous oral statements and any other written materials you may have received are superseded by this pricingsupplement and the accompanying product supplement, prospectus supplement and prospectus. Certain terms used but not defined in TheSecurities are oursenior debt securities.Any payments on the Securities are fully and unconditionally guaranteed by BAC. TheSecurities and the related guarantee are not insured by the Federal Deposit Insurance Corporation or secured by collateral.The Securitieswill rank equally in right of payment with all of our other unsecured and unsubordinated obligations, except obligations that are subject toany priorities or preferences by law. The related guarantee will rank equally in right of payment with all of BAC’s other unsecured and Mar