美国银行美股招股说明书(2026-02-10版)

Contingent Income Buffered (with Memory Feature) Auto-Callable Yield Notes Fully and Unconditionally Guaranteed by Bank of America Corporation Linked to the Least Performing of the State Street®SPDR®S&P®Metals & Mining ETF and theVanEck®Gold Miners ETF Miners ETF (each an “Underlying”).•Contingent coupons payable monthly if the Observation Value ofeachUnderlying on the applicable Observation Date is greater than or equal to 65.00% of its Starting Value, assuming the Notes have not been called. The coupon per $1,000.00 in principal amount of Notes payable on therelated Contingent Payment Date, if applicable, will equal (i) theproductof $6.667timesthe number of Contingent Payment Dates that haveoccurred up to the relevant Contingent Payment Date (inclusive of the relevant Contingent Payment Date)minus(ii) the sum of all Contingent Coupon Payments previously paid.•Beginning with the August 6, 2026 Call Observation Date, automatically callable monthly for an amount equal to the principal amount plus therelevant Contingent Coupon Payment, if the Observation Value of each Underlying is greater than or equal to 100.00% of its Starting Value on anyCall Observation Date.• to 80% of the principal at risk; otherwise, at maturity, you will receive the principal amount. At maturity you will also receive a final Contingent Coupon Payment if the Observation Value ofeachUnderlying on the final Observation Date is greater than or equal to 65.00% of its StartingValue.• 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 ofAmerica Corporation (“BAC” or the “Guarantor”), as guarantor of the Notes.•The Notes will not be listed on any securities exchange.•CUSIP No. 09711K4U7. The initial estimated value of the Notes as of the pricing date is $947.30 per $1,000.00 in principal amount of Notes, which is less than thepublic offering price listed below.The actual value of your Notes at any time will reflect many factors and cannot be predicted with accuracy. See 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-12 of this pricing supplement, page PS-3 of the accompanying product supplement, pageS-7 of 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 ordisapproved of these securities or determined if this pricing supplement and the accompanying product supplement, prospectus supplement and (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 $957.50 per$1,000.00 in principal amount of Notes. (2)The underwriting discount per $1,000.00 in principal amount of Notes may be as high as $42.50, resulting in proceeds, before expenses, to BofAFinance of as low as $957.50 per $1,000.00 in principal amount of Notes. The total underwriting discount and proceeds, before expenses, to BofAFinance specified above reflect the aggregate of the underwriting discounts per $1,000.00 in principal amount of Notes.The Notes and the related guarantee: Contingent Income Buffered (with Memory Feature) Auto-Callable Yield Notes Linked to the Least Performing of the State StreetSPDR®S&P®Metals & Mining ETF and the VanEck®Gold Miners ETF Observation Dates, Contingent Payment Dates, Call Observation Dates and Call Payment Dates 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.The economic 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 ofmarket-linked notes, and the economic terms of certain related hedging arrangements BAC’s affiliates enter into. BAC’s internal funding rate is typicallylower than the rate it would pay when it issues conventional fixed or floating rate debt securities. This difference in funding rate, as well as theunderwriting discount, if any, and the hedging related charges described below (see “Risk Factors” beginning on page PS-12), reduced the economic CONTINGENT INCOME BUFFERED (WITH MEMORY FEATURE) AUTO-CALLABLE YIELD NOTES|PS-6 Contingent Income Buffered (with Memory Feature) Auto-Callable Yield Notes Linked to the Least Performing of the State Street®SPDR®S&P®Metals & Mining ETF and the VanEck®Gold Miners ETFterms of the Notes to you and the initial estimated value of the Notes. Due to these factors, the public offering price you are paying to purchase theNotes is greater than the initial estimated value of the Notes as