美国银行美股招股说明书(2026-03-24版)

BofA Finance LLC $4,397,000 Enhanced Return Notes Linked to the S&P 500®Futures Excess Return Index•The Enhanced Return Notes Linked to the S&P 500® Futures Excess Return Index, due March 25, 2031 (the “Notes”) priced on March20, 2026 and will issue on March 25, 2026.•Approximate 5 year term.•Payment on the Notes will depend on the performance of the S&P 500®Futures Excess Return Index (the “Underlying”).•If the Ending Value of the Underlying is greater than 100% of its Starting Value, at maturity, you will receive 194.50% upside exposure toincreases in the value of the Underlying.•If the Underlying declines by more than 40% from its Starting Value, at maturity your investment will be subject to 1:1 downside exposureto decreases in the value of the Underlying, with up to 100% of the principal at risk; otherwise, at maturity, you will receive the principalamount.•Any payment on the Notes is subject to the credit risk of BofA Finance LLC (“BofA Finance” or the “Issuer”), as issuer of the Notes, andBank of America Corporation (“BAC” or the “Guarantor”), as guarantor of the Notes.•No periodic interest payments.•The Notes will not be listed on any securities exchange.•CUSIP No. 09711NJ50. The initial estimated value of the Notes as of the pricing date is $972.70 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“Risk Factors” beginning on page PS-6 of this pricing supplement and “Structuring the Notes” on page PS-17 of this pricing supplement for additionalinformation. 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-6 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 andprospectus is truthful or complete. 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 in principal 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 BofAFinance of as low as $992.50 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. Selling Agent Enhanced Return Notes Linked to the S&P 500®Futures Excess Return Index Terms of the Notes Enhanced Return Notes Linked to the S&P 500®Futures Excess Return Index If an Event of Default, as defined in the senior indenture relating to the Notes and in the section entitled “Description of DebtSecurities of BofA Finance LLC—Events of Default and Rights of Acceleration” on page 51 of the accompanyingprospectus, with respect to the Notes occurs and is continuing, the amount payable to a holder of the Notes upon anyacceleration permitted under the senior indenture will be equal to the amount described under the caption “RedemptionAmount” above, calculated as though the date of acceleration were the Maturity Date of the Notes and as though theValuation Date were the third Trading Day prior to the date of acceleration. In case of a default in the payment of the Notes,whether at their maturity or upon acceleration, the Notes will not bear a default interest rate. Events of Defaultand Acceleration: Payment on the Notes depends on the credit risk of BofA Finance, as Issuer, and BAC, as Guarantor, and on the performance of the Underlying. 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-linked notes, and the economic terms of certain related hedging arrangements BAC’s affiliates enter into. BAC’s internal funding rate is typically lowerthan the rate it would pay when it issues conventional fixed or floating rate debt securities. This difference in funding rate, as well as the underwritingdiscount, if any, and the hedging related charges described below (see “Risk Factors” beginning on page PS-6), reduced the economic terms of theNotes to you and the initial estimated value of the Notes. Due to these factors, the public offering price