[{"_1":2,"_3":-5,"_4":-5},"loaderData",{"_5":6,"_7":8},"actionData","errors","root",{"_101":102},"en-item",{"_9":10,"_10":11},"kind","item",{"_12":13,"_14":15,"_16":17,"_18":19,"_20":21,"_22":23,"_24":25,"_26":27,"_28":29,"_30":31,"_32":31,"_33":34,"_35":36,"_37":38,"_39":40,"_41":42,"_43":44,"_45":46,"_47":-5,"_48":49,"_50":-5,"_51":-5,"_52":53,"_54":55,"_56":57,"_58":42,"_59":42,"_60":61,"_62":42,"_63":64},"id","cxdexpanlbqki8a9n7auw2o1g","revision",2,"title","BofA Finance LLC发行挂钩Meta、Amazon和NVIDIA的自动赎回收益票据，面值1,000美元","originalTitle","BofA Finance LLC (0001682472) (Filer)","summary","BofA Finance LLC发行挂钩Meta、Amazon和NVIDIA三只股票中表现最差者的附记忆功能或有收益自动赎回票据，面值及发行价均为1,000美元，期限约3年，到期日为2029年10月24日。","reason","材料披露了票据的自动赎回、或有收益和本金下行风险，也说明其受发行方及担保方信用风险影响。","source",{"_12":92,"_93":94,"_9":95,"_96":42,"_97":98,"_99":100},"links",{"_89":90,"_78":91},"publishedAt","2026-10-20T19:57:31.000Z","discoveredAt","2026-10-20T20:11:51.796Z","timelineAt","category","ai-products","tags",[84,85,86,87,88],"stockSymbols",[83],"score",62,"selected",true,"channel","news","story",{"_73":74,"_16":75},"x","readingMode","full","author","language","body",{"_64":77,"_78":-5,"_79":80,"_81":82},"outline",[],"relatedStories",[76],"indexable","markdownAvailable","group",{"_65":66,"_45":67,"_68":69,"_70":71,"_72":71},"hasTranslation","bodyLanguage","zh","factId","fmz9kRBRS-0E",{"_73":74,"_16":75},"reportCount",1,"additionalSourceCount",0,"developmentCount","publicId","eb3986bc-c44b-4477-b130-9f937b58ab6f","BofA Finance LLC 发行多只挂钩股票的票据",{"_73":74,"_16":75},"

BofA Finance LLC 400,000美元

附带记忆功能的或有收入
自动赎回收益票据

由美国银行公司完全无条件担保

定价补充说明

（截至2025年12月8日的招股说明书，

A系列招股说明书补充文件，2025年12月8日和

产品补充文件 STOCK-1，2025年12月8日）

根据规则424(b)(2)提交

注册声明编号 333-290665 和 333-290665-01

2026年10月19日

\n \n

与Meta Platforms, Inc.的A类普通股、Amazon.com, Inc.的普通股和NVIDIA Corporation的普通股中表现最差的股票挂钩

•附带记忆功能的或有收入自动赎回收益票据，与Meta Platforms, Inc.的A类普通股、Amazon.com, Inc.的普通股和NVIDIA Corporation的普通股中表现最差的股票挂钩，到期日为2029年10月24日（“票据”）于2026年10月19日定价，并将于2026年10月22日发行。

•如果在到期前未被赎回，预计3年期限。

•票据的支付将取决于Meta Platforms, Inc.的A类普通股、Amazon.com, Inc.的普通股和NVIDIA Corporation的普通股（每只股票为“底层股票”）的个别表现。

•如果在相关观察日，每只底层股票的观察值大于或等于其起始值的70.00%，则每月支付或有票息，假设票据未被赎回。如果适用，每1,000.00美元票据本金金额在相关或有支付日支付的票息将等于（i）15.575美元乘以截至相关或有支付日（包括相关或有支付日）发生的或有支付日数量的乘积，减去（ii）之前支付的所有或有票息的总和。

•从2027年4月19日的赎回观察日开始，如果任何赎回观察日每只底层股票的观察值大于或等于其起始值的100.00%，则每月自动赎回，赎回金额等于本金金额加上相关或有票息。

•假设票据在到期前未被赎回，如果任何底层股票从其起始值下跌超过30%，在到期时您的投资将面临底层表现最差股票价值下降的1:1下行风险，最高可能损失100%的本金；否则，在到期时，您将获得本金金额。在到期时，如果每只底层股票在最终观察日的观察值大于或等于其起始值的70.00%，您还将获得最终的或有票息支付。

•票据的所有支付均受BofA Finance LLC（“BofA Finance”或“发行人”）作为票据发行人的信用风险以及美国银行公司（“BAC”或“担保人”）作为票据担保人的信用风险影响。

•票据不会在任何证券交易所上市。

•CUSIP编号 09712HRL8。

定价日时，票据的初始估算价值为每1,000.00美元本金金额978.90美元，低于下面列出的公开发行价格。 在任何时间，您的票据的实际价值将反映许多因素，无法准确预测。有关更多信息，请参阅本定价补充文件第PS-13页开始的“风险因素”以及本定价补充文件第PS-21页的“票据结构”。

票据与传统债务证券之间存在重要差异。潜在的票据购买者应考虑本定价补充文件第PS-13页、随附的产品补充文件第PS-4页、随附的招股说明书补充文件第S-7页和随附的招股说明书第7页中的信息。

美国证券交易委员会（“SEC”）、任何州证券委员会或任何其他监管机构均未批准或否决这些证券，也未确定本定价补充文件及随附的产品补充文件、招股说明书补充文件和招股说明书是否真实或完整。与此相反的任何陈述均属刑事犯罪。

\n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n

\n \n	\n 公开发行价格⁽¹⁾ \n	\n 承销折扣⁽¹⁾⁽²⁾ \n	\n 扣除费用前的BofA Finance收益⁽²⁾ \n
\n 每张票据 \n	\n $1,000.00 \n	\n $22.50 \n	\n $977.50 \n
\n 总计 \n	\n $400,000.00 \n	\n $9,000.00 \n	\n $391,000.00 \n

(1)某些购买票据并将其出售给某些收费咨询账户的经销商可能会放弃部分或全部销售让步、费用或佣金。对于在这些收费咨询账户中购买票据的投资者，公开发行价格可能低至每1,000.00美元本金金额977.50美元。

(2)每1,000.00美元本金金额的票据的承销折扣可能高达22.50美元，这将导致扣除费用前的BofA Finance收益低至每1,000.00美元本金金额977.50美元。上述总承销折扣和扣除费用前的BofA Finance收益反映了每1,000.00美元本金金额的承销折扣的总和。

票据及相关担保：

\n \n \n \n \n \n

不受FDIC保险

不被银行担保

可能贬值

\n \n \n \n \n \n \n

\n \n

\n \n \n

销售代理

与Meta Platforms, Inc.的A类普通股、Amazon.com, Inc.的普通股和NVIDIA Corporation的普通股中表现最差的股票挂钩的具有记忆功能的自动赎回收益票据

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\n \n

票据条款

\n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n

\n 发行人： \n	\n BofA Finance \n
\n 担保人： \n	\n BAC \n
\n 面额： \n	\n 票据将以1,000.00美元的最小面额及超过该面额的1,000.00美元的整数倍发行。 \n
\n 期限： \n	\n 大约3年，除非提前自动赎回。 \n
\n 标的股票： \n	\n Meta Platforms, Inc.的A类普通股（纳斯达克全球精选市场代码：“META”）、Amazon.com, Inc.的普通股（纳斯达克全球精选市场代码：“AMZN”）和NVIDIA Corporation的普通股（纳斯达克全球精选市场代码：“NVDA”）。“ \n
\n 定价日： \n	\n 2026年10月19日 \n
\n 发行日： \n	\n 2026年10月22日 \n
\n 估值日： \n	\n 2029年10月19日，根据随附的产品补充文件中“票据描述—票据的某些条款—与观察日相关的事件”下的说明可能推迟。 \n
\n 到期日： \n	\n 2029年10月24日 \n
\n 初始价值： \n	\n META: 705.44美元 \n AMZN: 262.45美元 \n NVDA: 217.09美元 \n
\n 观察价值： \n	\n 对于每只基础股票，其在相关观察日或行权观察日的收盘市场价格，乘以价格乘数。 \n
\n 最终价值： \n	\n 对于每只基础股票，其在估值日的观察值。 \n
\n 行权价值： \n	\n META：705.44 美元，为其起始值的 100.00%。 \n AMZN：262.45 美元，为其起始值的 100.00%。 \n NVDA：217.09 美元，为其起始值的 100.00%。 \n
\n 价格乘数： \n	\n 对于每只基础股票，为 1，但根据附带的产品补充文件“注释 —— 反稀释调整”第 PS-20 页所述的与该基础股票相关的某些公司事件进行调整。 \n
\n 票息障碍： \n	\n META：493.81 美元，为其起始值的 70.00%（四舍五入到两位小数）。\n \n AMZN：183.72 美元，为其起始值的 70.00%（四舍五入到两位小数）。\n \n NVDA：151.96 美元，为其起始值的 70.00%（四舍五入到两位小数）。\n \n
\n 阈值： \n	\n META：493.81 美元，为其起始值的 70.00%（四舍五入到两位小数）。\n \n AMZN：$183.72，这是其起始价值的70.00%（四舍五入到小数点后两位）。\n \n NVDA：$151.96，这是其起始价值的70.00%（四舍五入到小数点后两位）。\n \n
\n 附条件票息支付（带记忆功能）： \n	\n 如果在任何每月观察日，每只标的股票的观察值大于或等于其票息障碍值，我们将在适用的附条件支付日（包括到期日）按每1000.00美元面值的票据支付附条件票息支付，金额等于（i）$15.575乘以截至相关附条件支付日（包括相关附条件支付日）已发生的附条件支付日数量减去（ii）之前已支付的所有附条件票息支付的总和。\n \n

\n \n \n \n \n \n

附条件收益（带记忆功能）自动赎回收益率票据 | PS-2\n

\n \n

附条件收益（带记忆功能）自动赎回收益率票据，与Meta Platforms, Inc.的A类普通股、Amazon.com, Inc.的普通股和NVIDIA Corporation的普通股中表现最差的股票挂钩\n

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\n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n

\n 自动赎回： \n	\n 从2027年4月19日的赎回观察日开始，如果在任何赎回观察日，每只标的股票的观察值大于或等于其赎回值，所有（但不少于所有）票据将被自动赎回。如果票据被自动赎回，将在适用的赎回支付日支付提前赎回金额。自动赎回后不再支付任何金额。\n \n
\n 提前赎回金额： \n	\n 每1000.00美元面值的票据，为1000.00美元，加上适用的附条件票息支付。\n \n
\n 赎回金额： \n	\n 如果票据在到期前未被自动赎回，每1000.00美元面值的票据的赎回金额将为： \n a) 如果表现最差的标的股票的结束值大于或等于其阈值： \n \n b) 如果表现最差的标的股票的结束值小于其阈值： \n \n 在这种情况下，赎回金额（不包括最后的附条件票息支付）将低于面值的70.00%，您可能损失票据投资的高达100.00%。 \n The Redemption Amount will also include a final Contingent Coupon Payment if the Ending Value of the Least Performing Underlying Stock is greater than or equal to its Coupon Barrier. \n
\n Observation Dates: \n	\n As set forth beginning on page PS-5 \n
\n Contingent Payment Dates: \n	\n As set forth beginning on page PS-5 \n
\n Call Observation Dates: \n	\n As set forth beginning on page PS-7 \n
\n Call Payment Dates: \n	\n As set forth beginning on page PS-7. Each Call Payment Date is also a Contingent Payment Date. \n
\n Calculation Agent: \n	\n BofA Securities, Inc. (“BofAS”), an affiliate of BofA Finance. \n
\n Selling Agent: \n	\n BofAS \n
\n CUSIP: \n	\n 09712HRL8 \n
\n Underlying Stock Return: \n	\n With respect to each Underlying Stock, \n \n
\n Least Performing Underlying Stock: \n	\n The Underlying Stock with the lowest Underlying Stock Return. \n
\n Events of Default and Acceleration: \n	\n If an Event of Default, as defined in the senior indenture relating to the Notes and in the section entitled “Description of Debt Securities of BofA Finance LLC—Events of Default and Rights of Acceleration” on page 51 of the accompanying prospectus, with respect to the Notes occurs and is continuing, the amount payable to a holder of the Notes upon any acceleration permitted under the senior indenture will be equal to the amount described under the caption “Redemption Amount” above, calculated as though the date of acceleration were the Maturity Date of the Notes and as though the Valuation Date were the third Trading Day prior to the date of acceleration. We will also determine whether a final Contingent Coupon Payment is payable based upon the prices of the Underlying Stocks on the deemed Valuation Date; any such final Contingent Coupon Payment will be prorated by the calculation agent to reflect the length of the final \n

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CONTINGENT INCOME (WITH MEMORY FEATURE) AUTO-CALLABLE YIELD NOTES | PS-3

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Contingent Income (with Memory Feature) Auto-Callable Yield Notes Linked to the Least Performing of the Class A Common Stock of Meta Platforms, Inc., the Common Stock of Amazon.com, Inc. and the Common Stock of NVIDIA Corporation

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contingent payment period. 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.

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CONTINGENT INCOME (WITH MEMORY FEATURE) AUTO-CALLABLE YIELD NOTES | PS-4

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Observation Dates, Contingent Payment Dates, Call Observation Dates and Call Payment Dates

\n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n

\n Observation Dates* \n	\n Contingent Payment Dates \n
\n November 19, 2026 \n	\n November 24, 2026 \n
\n December 21, 2026 \n	\n December 24, 2026 \n
\n January 19, 2027 \n	\n January 22, 2027 \n
\n February 19, 2027 \n	\n February 24, 2027 \n
\n March 19, 2027 \n	\n March 24, 2027 \n
\n April 19, 2027 \n	\n April 22, 2027 \n
\n May 19, 2027 \n	\n May 24, 2027 \n
\n June 21, 2027 \n	\n June 24, 2027 \n
\n July 19, 2027 \n	\n July 22, 2027 \n
\n August 19, 2027 \n	\n August 24, 2027 \n
\n September 20, 2027 \n	\n September 23, 2027 \n
\n October 19, 2027 \n	\n October 22, 2027 \n
\n November 19, 2027 \n	\n November 24, 2027 \n
\n December 20, 2027 \n	\n December 23, 2027 \n
\n January 19, 2028 \n	\n January 24, 2028 \n
\n February 22, 2028 \n	\n February 25, 2028 \n
\n March 20, 2028 \n	\n March 23, 2028 \n
\n April 19, 2028 \n	\n April 24, 2028 \n
\n May 19, 2028 \n	\n May 24, 2028 \n
\n June 20, 2028 \n	\n June 23, 2028 \n
\n July 19, 2028 \n	\n July 24, 2028 \n
\n August 21, 2028 \n	\n August 24, 2028 \n
\n September 19, 2028 \n	\n September 22, 2028 \n
\n October 19, 2028 \n	\n October 24, 2028 \n
\n November 20, 2028 \n	\n November 24, 2028 \n
\n 2028年12月19日 \n	\n 2028年12月22日 \n
\n 2029年1月19日 \n	\n 2029年1月24日 \n
\n 2029年2月20日 \n	\n 2029年2月23日 \n
\n 2029年3月19日 \n	\n 2029年3月22日 \n
\n 2029年4月19日 \n	\n 2029年4月24日 \n
\n 2029年5月21日 \n	\n 2029年5月24日 \n
\n 2029年6月20日 \n	\n 2029年6月25日 \n
\n 2029年7月19日 \n	\n 2029年7月24日 \n

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附带记忆功能的或有收益自动赎回收益凭证 | PS-5

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附带记忆功能的或有收益自动赎回收益凭证，与Meta Platforms, Inc.的A类普通股、Amazon.com, Inc.的普通股和NVIDIA Corporation的普通股中表现最差者挂钩

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\n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n

\n 观察日期* \n	\n 或有支付日期 \n
\n 2029年8月20日 \n	\n 2029年8月23日 \n
\n 2029年9月19日 \n	\n 2029年9月24日 \n
\n 2029年10月19日（“估值日”） \n	\n 2029年10月24日（“到期日”） \n

* 观察日期可能根据随附产品补充文件第PS-18页“凭证描述—凭证的某些条款—与观察日期有关的事件”中所述进行推迟。

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附带记忆功能的或有收益自动赎回收益凭证 | PS-6

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附带记忆功能的或有收益自动赎回收益凭证，与Meta Platforms, Inc.的A类普通股、Amazon.com, Inc.的普通股和NVIDIA Corporation的普通股中表现最差者挂钩

\n \n \n \n \n \n \n

\n \n

\n 赎回观察日期* \n	\n 赎回支付日期 \n
\n 2027年4月19日 \n	\n 2027年4月22日 \n
\n 2027年5月19日 \n	\n 2027年5月24日 \n
\n 2027年6月21日 \n	\n 2027年6月24日 \n
\n 2027年7月19日 \n	\n 2027年7月22日 \n
\n 2027年8月19日 \n	\n 2027年8月24日 \n
\n 2027年9月20日 \n	\n 2027年9月23日 \n
\n 2027年10月19日 \n	\n 2027年10月22日 \n
\n 2027年11月19日 \n	\n 2027年11月24日 \n
\n 2027年12月20日 \n	\n 2027年12月23日 \n
\n 2028年1月19日 \n	\n 2028年1月24日 \n
\n 2028年2月22日 \n	\n 2028年2月25日 \n
\n 2028年3月20日 \n	\n 2028年3月23日 \n
\n 2028年4月19日 \n	\n 2028年4月24日 \n
\n 2028年5月19日 \n	\n 2028年5月24日 \n
\n 2028年6月20日 \n	\n 2028年6月23日 \n
\n 2028年7月19日 \n	\n 2028年7月24日 \n
\n 2028年8月21日 \n	\n 2028年8月24日 \n
\n 2028年9月19日 \n	\n 2028年9月22日 \n
\n 2028年10月19日 \n	\n 2028年10月24日 \n
\n 2028年11月20日 \n	\n 2028年11月24日 \n
\n 2028年12月19日 \n	\n 2028年12月22日 \n
\n 2029年1月19日 \n	\n 2029年1月24日 \n
\n 2029年2月20日 \n	\n 2029年2月23日 \n
\n 2029年3月19日 \n	\n 2029年3月22日 \n
\n 2029年4月19日 \n	\n 2029年4月24日 \n
\n 2029年5月21日 \n	\n 2029年5月24日 \n
\n 2029年6月20日 \n	\n 2029年6月25日 \n
\n 2029年7月19日 \n	\n 2029年7月24日 \n
\n 2029年8月20日 \n	\n 2029年8月23日 \n
\n 2029年9月19日 \n	\n 2029年9月24日 \n

* 赎回观察日期可能根据随附产品补充文件第PS-18页“凭证描述—凭证的某些条款—与观察日期有关的事件”中所述进行推迟，其中对“观察日期”的引用应视为对“赎回观察日期”的引用。

凭证的任何支付都取决于BofA Finance（发行人）和BAC（担保人）的信用风险，以及基础股票的表现。凭证的经济条款基于BAC的内部融资利率，即BAC通过发行市场挂钩凭证来借款时所支付的利率，以及BAC附属公司进行的某些相关对冲安排的经济条款。BAC的内部融资利率是

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附带记忆功能的或有收益自动赎回收益凭证 | PS-7

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附带记忆功能的或有收益自动赎回收益凭证，与Meta Platforms, Inc.的A类普通股、Amazon.com, Inc.的普通股和NVIDIA Corporation的普通股中表现最差者挂钩

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通常低于它在发行传统固定利率或浮动利率债务证券时所支付的利率。这种融资利率的差异，以及可能存在的承销折扣和下文所述的对冲相关费用（见“风险因素”从PS-13页开始），降低了对您的票据的经济条款以及票据的初始估计价值。由于这些因素，您为购买票据支付的公开发行价格高于定价日票据的初始估计价值。

定价日票据的初始估计价值见本定价补充文件的封面页。有关初始估计价值和票据结构的更多信息，请参见从PS-13页开始的“风险因素”和PS-21页的“票据结构”。

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附条件收益（带记忆功能）自动赎回收益票据 | PS-8

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与Meta Platforms, Inc.的A类普通股、Amazon.com, Inc.的普通股和NVIDIA Corporation的普通股中表现最差的股票挂钩的附条件收益（带记忆功能）自动赎回收益票据

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附条件票息支付和赎回金额确定

在每个附条件支付日，如果票据尚未被提前赎回，您可能会收到

按每1,000.00美元票据面值计算的附条件票息支付如下：

\n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n

\n \n
\n \n	\n \n	\n 在相关观察日，每只标的股票的观察值是否 \n 大于或等于其票息障碍值？ \n	\n \n	\n \n
\n \n
\n \n	\n \n	\n \n	\n \n	\n \n
\n \n
\n \n	\n \n 您将在相关附条件支付日收到附条件票息支付 \n \n	\n \n	\n \n 您将在相关附条件支付日不会收到附条件票息支付 \n \n	\n \n
\n \n

假设票据未被自动赎回， 在到期日，您将按每1,000.00美元票据面值计算收到如下现金支付：

\n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n

\n \n
\n \n	\n \n	\n 表现最差的标的股票的结束值是否大于或等于其阈值？ \n	\n \n	\n \n
\n \n
\n \n	\n \n	\n \n	\n \n	\n \n
\n \n	\n 您将收到： 1,000.00美元 \n	\n \n	\n \n 您将收到： \n \n \n 在这种情况下，赎回金额（不包括任何最终附条件票息支付）将低于本金金额的70.00%，您可能损失票据投资的高达100.00%。 \n \n	\n \n
\n \n	\n \n	\n \n	\n \n	\n \n
\n \n	\n \n	\n \n

\n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n

\n \n	\n \n	\n \n
\n \n	\n \n 如果表现最差的标的股票的结束值大于或等于其票息障碍值，赎回金额还将包括最终的附条件票息支付。 \n \n	\n \n
\n \n	\n \n	\n \n

上述所有支付均受BofA Finance（发行人）和BAC（担保人）的信用风险影响。

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附条件收益（带记忆功能）自动赎回收益票据 | PS-9

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与Meta Platforms, Inc.的A类普通股、Amazon.com, Inc.的普通股和NVIDIA Corporation的普通股中表现最差的股票挂钩的附条件收益（带记忆功能）自动赎回收益票据

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附条件票息支付总额示例

下面的示例说明了根据每张票据面值1,000.00美元的或有票息支付额计算的票据期限内每1,000.00美元面值票据的假设总或有票息支付额，该支付额等于（i）15.575美元乘以截至相关或有支付日（包括相关或有支付日）已发生的或有支付日数量的乘积，减去（ii）之前支付的所有或有票息支付额的总和。根据底层股票的表现，您可能在票据期限内不会收到任何或有票息支付额。

示例1 - 每只底层股票在前五个观察日的观察值均低于其票息障碍值。因此，在适用的或有支付日不会支付或有票息支付。第六个观察日（同时也是第一个触发观察日）每只底层股票的观察值高于其票息障碍值但低于其触发值。因此，在适用的或有支付日将支付或有票息支付，但票据不会被自动触发。每张面值1,000.00美元的票据在相关或有支付日应付的或有票息支付额计算方式如下：

（i）15.575美元乘以截至相关或有支付日（包括相关或有支付日）已发生的或有支付日数量的乘积，减去（ii）之前支付的所有或有票息支付额的总和。

= （i）15.575 x 6 - （ii）0.000 = 每张面值1,000.00美元的票据为93.450美元。

第七个观察日（同时也是触发观察日）每只底层股票的观察值高于其票息障碍值和触发值。因此，票据将被自动触发，每张面值1,000.00美元的票据在相关或有支付日原本应支付的或有票息支付额计算方式如下：

（i）15.575美元乘以截至相关或有支付日（包括相关或有支付日）已发生的或有支付日数量的乘积，减去（ii）之前支付的所有或有票息支付额的总和。

= （i）15.575 x 7 - （ii）93.450 = 每张面值1,000.00美元的票据为15.575美元。

在适用的或有支付日（同时也是触发支付日），您将获得每张面值1,000.00美元的票据1,015.575美元，自动触发后票据不再支付其他金额。

示例 2 – 在前五个观察日期中，每只基础股票的观察值均低于其票息障碍值。因此，在相应的或有支付日期不会支付或有票息支付。第六个观察日期（同时也是第一个赎回观察日期）中每只基础股票的观察值低于其票息障碍值和赎回值。因此，在相应的或有支付日期不会支付或有票息支付，且票据不会被自动赎回。第七个观察日期（同时也是一个赎回观察日期）中每只基础股票的观察值高于其票息障碍值和赎回值。因此，票据将被自动赎回，且根据相关或有支付日期的票据面值1,000.00美元计算的或有票息支付金额如下：

（i）15.575美元乘以截至相关或有支付日期（包括该相关或有支付日期）已发生的或有支付日期的数量；减去（ii）所有之前已支付的或有票息支付的总和。

= （i）15.575美元 x 7 - （ii）0.000美元 = 每1,000.00美元面值的票据为109.025美元。

在相应的或有支付日期（同时也是赎回支付日期），您将收到每1,000.00美元面值的票据1,109.025美元，且在自动赎回后，票据不会再支付任何金额。

示例 3 – 在前五个观察日期中，每只基础股票的观察值均高于其票息障碍值。因此，每只相关或有支付日期将支付每1,000.00美元面值的票据15.575美元的或有票息支付。第六个观察日期（同时也是第一个赎回观察日期）中每只基础股票的观察值高于其票息障碍值但低于其赎回值。因此，将在相应的或有支付日期支付或有票息支付，但票据不会被自动赎回。根据相关或有支付日期的每1,000.00美元面值的票据计算的或有票息支付金额如下：

= （i）15.575美元 x 6 - （ii）15.575美元 x 5 = 每1,000.00美元面值的票据为15.575美元。

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或有收入（带记忆功能）自动赎回收益率票据 | PS-10

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或有收入（带记忆功能）自动赎回收益率票据，与Meta Platforms, Inc.的A类普通股、Amazon.com, Inc.的普通股和NVIDIA Corporation的普通股中表现最差的股票挂钩

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在第七个至第三十五个观察日（这些日期同时也是行权观察日）每个基础证券的观察值高于其票息障碍值但低于其行权值。因此，将在每个适用的条件支付日支付金额为每1,000.00美元面值的票据15.575美元的条件票息支付，但票据不会被自动行权。在估值日每个基础证券的终值高于其票息障碍值和阈值。因此，将在到期日支付条件票息，计算方式如下：

（i）15.575美元乘以截至相关条件支付日（包括相关条件支付日）已发生的条件支付日数量的乘积，减去（ii）之前支付的所有条件票息的总和。

= （i）15.575美元 x 36 - （ii）15.575美元 x 35 = 每1,000.00美元面值的票据15.575美元。

在到期日，您将收到每1,000.00美元面值的票据1,015.575美元。

示例4 – 在第一个至第五个观察日每个基础证券的观察值高于其票息障碍值。将在每个适用的条件支付日支付金额为每1,000.00美元面值的票据15.575美元的条件票息。在第六个至第三十五个观察日（这些日期同时也是行权观察日）每个基础证券的观察值低于其票息障碍值和行权值。因此，不会在任何相关条件支付日支付条件票息，且票据不会被自动行权。在估值日每个基础证券的终值低于其票息障碍值和阈值。因此，到期日不会产生条件票息，您在到期时收到的金额将低于票据的面值，甚至可能为零。

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条件收入（带记忆功能）自动行权收益票据 | PS-11

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条件收入（带记忆功能）自动行权收益票据，与Meta Platforms, Inc.的A类普通股、Amazon.com, Inc.的普通股和NVIDIA Corporation的普通股中表现最差的股票挂钩

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假设的支付概况和到期时支付示例

条件收入（带记忆功能）自动行权收益票据表

以下表格仅用于说明目的。它假设在到期前未自动赎回票据，并基于假设性数值，显示票据的假设性收益。该表格说明了赎回金额和基于假设性初始值为100的最差表现底层股票、假设性票息障碍值为70的最差表现底层股票、假设性阈值为70的最差表现底层股票、适用于单个支付期的$15.575每$1,000.00票据本金金额的或有票息支付以及最差表现底层股票的假设性结束值范围的票据的收益计算。您实际收到的金额和由此产生的收益将取决于底层股票的实际初始值、票息障碍值、阈值、观察值和结束值、实际或有票息支付、票据是否在到期前被自动赎回，以及您是否持有票据至到期。以下示例未考虑投资票据可能产生的任何税务后果。下面的表格还假设在到期前的每个或有支付日都支付了或有票息支付。

有关底层股票的最新实际值，请参见下面的“底层股票”部分。每个底层股票的结束值将不包括该底层股票股份产生的任何股息或其他分配收入。此外，票据的所有支付都受发行人和担保人的信用风险影响。

\n 最差表现底层股票的结束值 \n	\n 最差表现底层股票的底层股票收益 \n	\n 每张票据的赎回金额（包括任何最终或有票息支付） \n	\n 票据的收益⁽¹⁾ \n
\n 160.00 \n	\n 60.00% \n	\n $1,015.575⁽²⁾ \n	\n 1.5575% \n
\n 150.00 \n	\n 50.00% \n	\n $1,015.575 \n	\n 1.5575% \n
\n 140.00 \n	\n 40.00% \n	\n $1,015.575 \n	\n 1.5575% \n
\n 130.00 \n	\n 30.00% \n	\n $1,015.575 \n	\n 1.5575% \n
\n 120.00 \n	\n 20.00% \n	\n $1,015.575 \n	\n 1.5575% \n
\n 110.00 \n	\n 10.00% \n	\n $1,015.575 \n	\n 1.5575% \n
\n 105.00 \n	\n 5.00% \n	\n $1,015.575 \n	\n 1.5575% \n
\n 102.00 \n	\n 2.00% \n	\n $1,015.575 \n	\n 1.5575% \n
\n 100.00⁽³⁾ \n	\n 0.00% \n	\n $1,015.575 \n	\n 1.5575% \n
\n 90.00 \n	\n -10.00% \n	\n $1,015.575 \n	\n 1.5575% \n
\n 80.00 \n	\n -20.00% \n	\n $1,015.575 \n	\n 1.5575% \n
\n 70.00⁽⁴⁾ \n	\n -30.00% \n	\n $1,015.575 \n	\n 1.5575% \n
\n 69.99 \n	\n -30.01% \n	\n $699.900 \n	\n -30.0100% \n
\n 60.00 \n	\n -40.00% \n	\n $600.000 \n	\n -40.0000% \n
\n 50.00 \n	\n -50.00% \n	\n $500.000 \n	\n -50.0000% \n
\n 0.00 \n	\n -100.00% \n	\n $0.000 \n	\n -100.0000% \n

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\n (1) \n	\n “票据的收益”基于赎回金额和每$1,000.00票据本金金额的$15.575潜在最终或有票息支付计算，不包括到期前支付的任何或有票息支付，并假设相关或有票息支付已在每个之前的或有支付日支付。 \n
\n (2) \n	\n 该金额代表本金金额和最终每月或有票息支付$15.575每$1,000.00票据本金金额的总和（假设每个之前的每月或有票息支付已在相关或有支付日支付）。 \n
\n (3) \n	\n 表格中使用的假设性初始值100仅用于说明目的。每个底层股票的实际初始值见上文PS-2页。 \n
\n (4) \n	\n 这是最差表现底层股票的假设性票息障碍值和阈值。 \n

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或有收入（带记忆功能）自动赎回收益率票据 | PS-12

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与Meta Platforms, Inc.的A类普通股、Amazon.com, Inc.的普通股和NVIDIA Corporation的普通股中最差表现的股票挂钩的或有收入（带记忆功能）自动赎回收益率票据

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风险因素

您对票据的投资涉及重大风险，其中许多风险与传统债务证券的风险不同。在仔细考虑票据投资的风险（包括以下讨论的风险）并与您的顾问在考虑您具体情况的基础上，您才应做出购买票据的决定。如果您对票据的重要方面或一般财务事项不了解，那么票据不适合您。您应仔细查阅随附的产品补充文件中第PS-4页开始的“风险因素”部分、随附的招股说明书补充文件中第S-7页和随附的招股说明书第7页中有关票据风险的更详细说明，这些内容均在下面第PS-25页中标识。

与结构相关的风险

•您的投资可能导致损失；不保证本金回报。 票据在到期时没有固定的本金偿还金额。如果票据在到期前未被自动赎回，并且< b>任何底层股票的结束价值低于其阈值，则在到期时，您的投资将面临与最差表现的底层股票价值下降1:1的下行风险，并且您将因最差表现的底层股票的结束价值低于其起始价值的每个1%而损失本金的1%。在这种情况下，您将损失票据投资的大部分或全部。

•票据的回报仅限于票据期限内支付的或有票息，如有的话。 无论任何底层股票的观察值或结束值超过其票息障碍或起始值的程度如何，您在票据上的回报仅限于票据期限内支付的或有票息。同样，到期时或在自动赎回时支付的金额永远不会超过本金金额和适用的或有票息的总和，无论任何底层股票的观察值或结束值超过其起始值的程度如何。相比之下，直接投资于底层股票将使您能够获得其价格上涨带来的收益。票据的任何回报都不会反映如果您实际拥有底层股票并收到其支付的股息或分配时所能实现的回报。

•这些票据可能被自动赎回，这将限制您在整个票据期限内获得附条件票息支付的能力。这些票据可能被自动赎回。从2027年4月19日的赎回观察日开始，如果在任何赎回观察日，每只底层股票的观察值大于或等于其赎回值，这些票据将被自动赎回。如果在到期日之前这些票据被自动赎回，您将在相应的赎回支付日有资格获得提前赎回金额，此后票据将不再支付任何金额。在这种情况下，您将失去在自动赎回日后继续获得附条件票息支付的机会。如果在到期日之前赎回这些票据，您可能无法投资于其他具有类似风险水平的证券，这些证券可能提供与这些票据相似的回报。

•您可能无法获得任何附条件票息支付。这些票据不提供任何定期固定票息支付。这些票据的投资者不一定能在这些票据上获得任何附条件票息支付。如果在观察日任何底层股票的观察值小于其票息障碍值，您将不会在相关票息支付日获得附条件票息支付。只有在相关观察日每只底层股票的观察值大于或等于其票息障碍值时，您才会在后续的票息支付日获得之前未支付的附条件票息支付。然而，如果在某观察日任何底层股票的观察值小于其票息障碍值，并且在该观察日之后直至估值日的每个后续观察日的观察值均小于其票息障碍值，您将不会获得与这些观察日相关的未支付附条件票息支付。如果在票据期限内的所有观察日中，任何底层股票的观察值均小于其票息障碍值，您将不会在票据期限内获得任何附条件票息支付，并且也不会在票据上获得正回报。

•您在票据上的回报可能低于具有可比期限的传统债务证券的收益率。您在票据上获得的任何回报可能低于如果您购买具有相同到期日的传统债务证券所能获得的回报。因此，当您考虑影响货币时间价值的因素（如通货膨胀）时，您在票据上的投资可能无法反映您的全部机会成本。此外，如果在票据期限内利率上升，附条件票息支付（如有）可能低于具有可比期限的传统债务证券的收益率。

•或有票息支付、提前赎回金额或赎回金额（视情况而定）将不会反映标的股票价格在观察日或呼叫观察日以外的任何变化。在票据期限内，标的股票的价格在观察日或呼叫观察日以外的任何时间都不会影响票据的支付。尽管如此，投资者在持有票据期间应一般了解标的股票的表现，因为标的股票的表现可能会影响票据的市场价值。结算代理将通过将起始值、票息障碍值、呼叫值或阈值（视情况而定）与每只标的股票的观察值或结束值进行比较，来确定每个或有票息支付是否应支付，并计算提前赎回金额或赎回金额（视情况而定）。其他任何标的股票的价格都不会被考虑在内。因此，如果票据在到期前未被自动呼叫，并且表现最差的标的股票的结束值低于其阈值，则即使每只标的股票的价格在估值日之前始终高于其阈值，您在到期时收到的金额也将少于本金金额。

•由于票据与标的股票中表现最差的股票（而非平均表现）相关，您可能不会

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或有收益（带记忆功能）自动呼叫收益票据 | PS-13

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与Meta Platforms, Inc.的A类普通股、Amazon.com, Inc.的普通股和NVIDIA Corporation的普通股中表现最差的股票挂钩的附有记忆功能的自动赎回收益凭证

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可能无法获得凭证的任何收益，并且即使其中一个基础股票的观察值或结束值大于或等于其票息障碍或阈值，您可能会损失凭证中的大部分或全部投资。您的凭证与基础股票中表现最差的股票挂钩，其中一个基础股票价格的变化可能与其它基础股票价格的变化没有相关性。这些凭证并未与由基础股票组成的投资组合挂钩，其中某一基础股票价格的下跌在一定程度上可能被其它基础股票价格的上涨所抵消。在这些凭证的情况下，每个基础股票的单独表现不会被综合考虑，某一基础股票价格的下跌也不会被其它基础股票价格的上涨所抵消。即使某一基础股票的观察值在观察日达到或高于其票息障碍，如果另一基础股票在当天的观察值低于其票息障碍，您仍将无法获得该观察日的附带票息支付。此外，即使某一基础股票的结束值达到或高于其阈值，如果表现最差的基础股票的结束值低于其阈值，您仍将损失凭证中的大部分或全部投资。

•票据的任何付款都受我们和担保人的信用风险影响，我们或担保人的信用状况的任何实际或感知变化都可能导致票据的价值或任何应付款项受到影响。票据是我们无担保的高级债务证券。票据的任何付款都将由担保人全额无条件担保。票据不被任何其他实体担保。因此，您收到票据的任何付款将取决于我们和担保人是否有能力在适用的付款日偿还我们在票据下的各自义务，而不管底层股票的表现如何。无法保证票据定价日后我们的财务状况或担保人的财务状况会是什么样子。如果我们和担保人无法在到期时偿还各自的财务义务，您可能无法获得票据条款下应支付的金额。

此外，我们的信用评级和担保人的信用评级是评级机构对我们各自支付义务能力的评估。因此，在到期日之前，我们或担保人的信用状况的感知变化以及我们或担保人的信用评级的实际或预期下降，或我们各自证券的收益率与美国国债收益率之间的利差（“信用利差”）的上升，可能会对票据的市场价值产生不利影响。然而，由于您在票据上的回报还取决于我们和担保人支付各自义务的能力以外的因素，例如底层股票的价格，我们或担保人的信用评级的提高不会减少与票据相关的其他投资风险。

•我们是一家金融子公司，因此没有独立的资产、运营或收入。我们是担保人的金融子公司，除了与我们由担保人担保的债务证券的发行、管理和付款相关的运营外，没有其他运营，并且在正常业务过程中依赖担保人和/或其其他子公司来履行我们在票据下的义务。因此，我们支付票据的能力可能受到限制。

估值和市场相关风险

•您为票据支付的公开发行价格超过了它们的初始估算价值。本定价补充文件首页上提供的票据初始估算价值仅为估算值，该估算值是根据我们及我们关联方的定价模型在定价日确定的。这些定价模型考虑了某些假设和变量，包括我们的信用利差和担保人的信用利差、担保人的内部资金利率、对冲交易的中间市场价格、对利率、股息和波动率的预期、价格敏感性分析以及票据的预期期限。这些定价模型部分依赖于对未来事件的某些预测，这些预测可能不正确。如果您在到期前尝试出售票据，其市场价值可能低于您支付的价格，也可能低于其初始估算价值。这是由于多种因素，包括底层股票价格的变化、担保人的内部资金利率的变化，以及公开发行价格中包含的承销折扣（如有）和对冲相关费用，如下面“票据结构”部分进一步所述。这些因素，加上票据存续期间的各种信用、市场和经济因素，预计会降低您在任何二级市场出售票据的价格，并以复杂和不可预测的方式影响票据的价值。

•初始估算价值并不代表我们、BAC、BofAS或我们任何其他关联方在任何二级市场（如果有的话）在任何时候愿意购买您的票据的最低或最高价格。票据在发行后的任何时间的价值将根据许多无法准确预测的因素而变化，包括底层股票的表现、我们和BAC的信用状况以及市场条件的变化。

•我们无法保证您的票据的交易市场会发展或维持。我们不会将票据在任何证券交易所上市。我们无法预测票据在任何二级市场的交易情况，也无法预测该市场是流动的还是不流动的。

与冲突相关的风险

•我们、担保人及我们任何其他关联方（包括BofAS）的交易和对冲活动可能会与您产生利益冲突，并可能对您在票据上的回报和市场价值产生不利影响。我们、担保人或我们其他任何关联方（包括BofAS）可能会买卖底层股票的股份，或期货或期权合约或在底层股票上的交易所交易工具，或其它价值与底层股票相关的场内或场外衍生工具。我们、担保人或我们其他任何关联方（包括BofAS）可能会执行此类购买或销售操作，

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附条件收益（带记忆功能）自动赎回收益票据 | PS-14

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附条件收益（带记忆功能）自动赎回收益票据，与Meta Platforms, Inc.的A类普通股、Amazon.com, Inc.的普通股和NVIDIA Corporation的普通股中表现最差的股票挂钩

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我们或其自身的账户出于商业原因，或与我们在票据下的义务对冲有关，进行交易。这些交易可能在您对票据的利益与我们、担保人及其他附属公司（包括BofAS）在我们或其自有账户中的利益之间产生利益冲突，可能在促进交易（包括大宗交易）以服务于我们或其其他客户，以及在我们或其管理的账户中产生利益冲突。这些交易可能以对您的票据投资不利的方式影响相关股票的价格。在定价日或之前，我们、担保人或我们其他附属公司（包括BofAS或其他代表我们或其行事的实体）可能进行的任何购买或出售行为（包括为了对冲我们与票据相关的预期风险而进行的交易），可能已经对相关股票的价格产生了不利影响。因此，相关股票的价格可能在定价日后发生变化，这可能对票据的市场价值产生不利影响。

我们、担保人或我们其他附属公司之一（包括BofAS）也可能在定价日进行了可能对相关股票价格产生不利影响的对冲活动。此外，这些对冲活动，包括对冲头寸的平仓，可能在到期前降低您的票据的市场价值，并可能对票据的支付金额产生不利影响。我们、担保人或我们其他附属公司之一（包括BofAS）可能在票据或相关股票上建立多头或空头头寸，并可能持有或转售票据或相关股票。例如，BofAS可能在从事任何做市活动时进行这些交易。我们无法保证这些活动不会对相关股票的价格、您在到期前的票据市场价值或票据的应付金额（如有）产生不利影响。

•可能存在涉及计算代理人的潜在利益冲突，计算代理人是我们的附属公司。 我们有权任命和更换计算代理人。我们的一家附属公司将担任票据的计算代理人，并因此将就票据作出各种决定，包括票据将支付的金额。在某些情况下，这些职责可能导致其作为我们附属公司的地位与其作为计算代理人的责任之间产生利益冲突。

与相关股票相关的风险

•票据的条款不会因所有可能影响底层股票发行人的情况进行调整。底层股票的价格乘数、票据的付款确定以及其他票据条款可能因影响底层股票的特定公司事件而进行调整，如随附的产品补充文件中“票据描述—反稀释调整”部分（从第 PS-20 页开始）所述。然而，这些调整并不涵盖所有可能影响底层股票市场价格的公司事件，例如以现金形式发行普通股或与某些收购交易相关的发行。如果发生任何不需要清算人调整适用的价格乘数或票据到期时可能支付的金额的事件，可能会对底层股票的价格产生不利影响，从而影响票据的市场价值。

税务相关风险

•投资票据的美国联邦所得税后果存在不确定性，可能对票据持有人不利。没有任何法律、司法或行政权威直接针对票据或类似票据的证券在美国联邦所得税目的上的性质作出规定。因此，投资票据的美国联邦所得税后果的许多方面尚不确定。根据票据条款，您已同意将票据视为或有收益的单一金融合约，如下文“美国联邦所得税摘要—一般”所述。如果美国国税局（“IRS”）成功主张对票据的另一种性质认定，那么与票据相关的收入、收益或损失的时间和性质可能会有所不同。不会就票据向 IRS 申请任何裁定，也无法保证 IRS 会同意“美国联邦所得税摘要”部分中所述的内容。我们敦促您就投资票据的所有美国联邦所得税后果咨询自己的税务顾问。

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CONTINGENT INCOME (WITH MEMORY FEATURE) AUTO-CALLABLE YIELD NOTES | PS-15

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具有记忆功能的或有收益自动赎回收益率票据，与 Meta Platforms, Inc. 的 Class A 普通股、Amazon.com, Inc. 的普通股和 NVIDIA Corporation 的普通股中表现最差的股票挂钩

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底层股票

我们从公开可获得的文件中获得了有关每只底层股票及其发行公司（每只，称为“底层公司”，合称为“底层公司”）的以下信息。由于每只底层股票均根据《1934 年证券交易法》注册，底层公司必须定期提交 SEC 规定的某些财务和其他信息。底层公司向 SEC 提供或提交的信息可通过 SEC 网站 sec.gov 查找，方法是参考下文列出的相应 CIK 编号。

本文件仅涉及票据的发行，与底层股票或底层公司的任何其他证券的发行无关。我们、担保人、BofAS 或我们任何其他关联方在票据发行过程中均未对底层公司进行尽职调查。我们、担保人、BofAS 或我们任何其他关联方均未独立核实与底层公司相关的公开文件或其他公开信息的准确性和完整性，因此对此不作任何陈述。此外，无法保证本文件日期之前发生的所有事件，包括可能影响这些公开文件的准确性或完整性并可能影响底层股票交易价格的事件，均已或将会被公开披露。如果后续披露任何事件，或披露或未披露有关底层公司的重大未来事件，可能会影响相关底层股票的价格，从而可能影响您对票据的收益。对底层股票的选择并非购买或出售底层股票的建议。

Meta Platforms, Inc. 的 A 类普通股

Meta Platforms, Inc. 作为一家社交技术公司运营。该公司开发应用程序和技术，帮助人们建立联系、寻找社区并发展业务。该公司还涉及广告以及增强现实和虚拟现实。该底层股票在纳斯达克全球精选市场交易，代码为“META”。该公司的 CIK 编号为 0001326801。

META 的历史表现

下图显示了从 2021 年 1 月 2 日至定价日的 META 每日历史表现。我们从彭博社 L.P. 获取了这些历史数据。我们未独立核实从彭博社 L.P. 获取的信息的准确性和完整性。图表中反映的收盘市场价格可能已调整以反映某些公司行为，例如股票拆分和反向股票拆分。在定价日，META 的收盘市场价格为 705.44 美元。

关于 META 的历史数据并不一定表明 META 的未来表现或票据的价值。上述任何期间内 META 收盘市场价格的任何上升或下降趋势都不表示在票据期限内 META 收盘市场价格更有可能或更不可能上涨或下跌。

在投资票据之前，您应查阅公开来源以获取 META 的收盘市场价格和交易模式。

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附条件收益（带记忆功能）自动赎回收益票据 | PS-16

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附条件收益（带记忆功能）自动赎回收益票据，与 Meta Platforms, Inc. 的 A 类普通股、Amazon.com, Inc. 的普通股和 NVIDIA Corporation 的普通股中表现最差的股票挂钩

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Amazon.com, Inc. 的普通股

亚马逊公司是一家在线零售商，提供各种产品。公司的产品包括书籍、音乐、电脑、电子产品和众多其他产品。公司提供个性化的购物服务、基于网络的信用卡支付，并直接将货物发送给客户。该公司还运营一个全球性的云平台，提供服务。该基础股票在纳斯达克全球精选市场交易，代码为\"AMZN\"。公司的CIK编号为0001018724。

AMZN的历史表现

下图显示了从2021年1月2日到定价日AMZN的每日历史表现。我们从彭博社有限公司获得了这些历史数据。我们没有独立验证从彭博社有限公司获得的信息的准确性和完整性。图表中反映的收盘市场价格可能已调整以反映某些公司行为，例如股票拆分和反向股票拆分。在定价日，AMZN的收盘市场价格为262.45美元。

关于AMZN的这些历史数据不一定能说明AMZN的未来表现或票据的价值。上述任何期间AMZN收盘市场价格的任何历史上升或下降趋势都不表示AMZN的收盘市场价格在票据期限内任何时候更有可能上升或下降。

在投资票据之前，您应查阅公开来源的AMZN收盘市场价格和交易模式。

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附条件收益（带记忆功能）自动赎回收益票据 | PS-17

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附条件收益（带记忆功能）自动赎回收益票据，与Meta Platforms, Inc.的A类普通股、亚马逊公司普通股和NVIDIA公司普通股中表现最差的股票挂钩

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NVIDIA公司的普通股

NVIDIA公司是一家科技公司。该公司开发用于科学计算、人工智能、数据科学、自动驾驶汽车、机器人、元宇宙和3D互联网应用的平台，同时专注于个人电脑图形。该公司为全球客户提供服务。该基础股票在纳斯达克全球精选市场交易，代码为\"NVDA\"。公司的CIK编号为0001045810。

NVDA的历史表现

下图显示了从2021年1月2日到定价日NVDA的每日历史表现。我们从彭博社有限公司获得了这些历史数据。我们没有独立验证从彭博社有限公司获得的信息的准确性和完整性。图表中反映的收盘市场价格可能已调整以反映某些公司行为，例如股票拆分和反向股票拆分。在定价日，NVDA的收盘市场价格为217.09美元。

关于NVDA的这些历史数据不一定能说明NVDA的未来表现或票据的价值。上述任何期间NVDA收盘市场价格的任何历史上升或下降趋势都不表示NVDA的收盘市场价格在票据期限内任何时候更有可能上升或下降。

在投资票据之前，您应查阅公开来源的NVDA收盘市场价格和交易模式。

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附条件收益（带记忆功能）自动赎回收益票据 | PS-18

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与“记忆功能”相关的或有收入自动可赎回收益凭证，其标的为Meta Platforms, Inc.的A类普通股、Amazon.com, Inc.的普通股和NVIDIA Corporation的普通股中最差表现的股票

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分发计划补充文件；BofAS的角色及利益冲突

BofAS是我们的一家经纪交易商附属公司，是“金融行业监管局，Inc.”（“FINRA”）的成员，并将在凭证的分发中作为销售代理参与。因此，凭证的发行将符合FINRA规则5121的要求。在没有账户持有人事先书面批准的情况下，BofAS不得向其任意自主账户销售本发行中的凭证。

我们将在定价日后超过一个营业日的日期，在纽约州纽约市交付凭证并收取相应款项。根据《1934年证券交易法》第15c6-1的规则，二级市场中的交易通常要求在一个营业日内结算，除非交易双方明确同意其他方式。因此，希望在原始发行日之前超过一个营业日交易凭证的购买者，将需要指定替代的结算安排，以防止结算失败。

Under our distribution agreement with BofAS, BofAS will purchase the Notes from us as principal at the public offering price indicated on the cover of this pricing supplement, less the indicated underwriting discount, if any. BofAS will sell the Notes to other broker-dealers that will participate in the offering and that are not affiliated with us, at an agreed discount to the principal amount. Each of those broker-dealers may sell the Notes to one or more additional broker-dealers. BofAS has informed us that these discounts may vary from dealer to dealer and that not all dealers will purchase or repurchase the Notes at the same discount. Certain dealers who purchase the Notes for sale to certain fee-based advisory accounts may forgo some or all of their selling concessions, fees or commissions. The public offering price for investors purchasing the Notes in these fee-based advisory accounts may be as low as $977.50 per $1,000.00 in principal amount of Notes.

BofAS and any of our other broker-dealer affiliates may use this pricing supplement and the accompanying product supplement, prospectus supplement and prospectus for offers and sales in secondary market transactions and market-making transactions in the Notes. However, they are not obligated to engage in such secondary market transactions and/or market-making transactions. These broker-dealer affiliates may act as principal or agent in these transactions, and any such sales will be made at prices related to prevailing market conditions at the time of the sale.

At BofAS’s discretion, for a short, undetermined initial period after the issuance of the Notes, BofAS may offer to buy the Notes in the secondary market at a price that may exceed the initial estimated value of the Notes. Any price offered by BofAS for the Notes will be based on then-prevailing market conditions and other considerations, including the performance of the Underlying Stocks and the remaining term of the Notes. However, none of us, the Guarantor, BofAS or any of our other affiliates is obligated to purchase your Notes at any price or at any time, and we cannot assure you that any party will purchase your Notes at a price that equals or exceeds the initial estimated value of the Notes.

Any price that BofAS may pay to repurchase the Notes will depend upon then prevailing market conditions, the creditworthiness of us and the Guarantor, and transaction costs. At certain times, this price may be higher than or lower than the initial estimated value of the Notes.

European Economic Area and United Kingdom

None of this pricing supplement, the accompanying product supplement, the accompanying prospectus or the accompanying prospectus supplement is a prospectus for the purposes of the Prospectus Regulation (as defined below). This pricing supplement, the accompanying product supplement, the accompanying prospectus and the accompanying prospectus supplement have been prepared on the basis that any offer of Notes in any Member State of the European Economic Area (the “EEA”) or in the United Kingdom (each, a “Relevant State”) will only be made to a legal entity which is a qualified investor under the Prospectus Regulation (“Qualified Investors”). Accordingly any person making or intending to make an offer in that Relevant State of Notes which are the subject of the offering contemplated in this pricing supplement, the accompanying product supplement, the accompanying prospectus and the accompanying prospectus supplement may only do so with respect to Qualified Investors. Neither BofA Finance nor BAC has authorized, nor does it authorize, the making of any offer of Notes other than to Qualified Investors. The expression “Prospectus Regulation” means Regulation (EU) 2017/1129.

PROHIBITION OF SALES TO EEA RETAIL INVESTORS – The Notes are not intended to be offered, sold or otherwise made available to and should not be offered, sold or otherwise made available to any retail investor in the EEA. For these purposes: (a) a retail investor means a person who is one (or more) of: (i) a retail client as defined in point (11) of Article 4(1) of Directive 2014/65/EU, as amended (“MiFID II”); or (ii) a customer within the meaning of Directive (EU) 2016/97 (the Insurance Distribution Directive) where that customer would not qualify as a professional client as defined in point (10) of Article 4(1) of MiFID II; or (iii) not a qualified investor as defined in the Prospectus Regulation; and (b) the expression “offer” includes the communication in any form and by any means of sufficient information on the terms of the offer and the Notes to be offered so as to enable an investor to decide to purchase or subscribe for the Notes. Consequently no key information document required by Regulation (EU) No 1286/2014, as amended (the “PRIIPs Regulation”) for offering or selling the Notes or otherwise making them available to retail investors in the EEA has been prepared and therefore offering or selling the Notes or otherwise making them available to any retail investor in the EEA may be unlawful under the PRIIPs Regulation.

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CONTINGENT INCOME (WITH MEMORY FEATURE) AUTO-CALLABLE YIELD NOTES | PS-19

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PROHIBITION OF SALES TO UNITED KINGDOM RETAIL INVESTORS – The Notes are not intended to be offered, sold or otherwise made available to and should not be offered, sold or otherwise made available to any retail investor in the United Kingdom. For these purposes: (a) a retail investor means a person who is neither: (i) a professional client as defined in point (8) of Article 2(1) of Regulation (EU) No 600/2014 as it forms part of domestic law in the United Kingdom; nor (ii) a qualified investor as defined in paragraph 15 of Schedule 1 to the Public Offers and Admissions to Trading Regulations 2024 (as may be amended from time to time); and (b) the expression “offer” includes the communication in any form and by any means of sufficient information on the terms of the offer and the Notes to be offered so as to enable an investor to decide to purchase or subscribe for the Notes. Consequently no key information document required by Regulation (EU) No 1286/2014, as amended (the “PRIIPs Regulation”) for offering or selling the Notes or otherwise making them available to retail investors in the United Kingdom has been prepared and therefore offering or selling the Notes or otherwise making them available to any retail investor in the United Kingdom may be unlawful under the PRIIPs Regulation.

United Kingdom

The communication of this pricing supplement, the accompanying product supplement, the accompanying prospectus supplement, the accompanying prospectus and any other document or materials relating to the issue of the Notes offered hereby is not being made, and such documents and/or materials have not been approved, by an authorized person for the purposes of Section 21 of the United Kingdom’s Financial Services and Markets Act 2000, as amended (the “FSMA”). Accordingly, such documents and/or materials are not being distributed to, and must not be passed on to, the general public in the United Kingdom. The communication of such documents and/or materials as a financial promotion is only being made to those persons in the United Kingdom who have professional experience in matters relating to investments and who fall within the definition of investment professionals (as defined in Article 19(5) of the Financial Services and Markets Act 2000 (Financial Promotion) Order 2005, as amended (the “Financial Promotion Order”)), or who fall within Article 49(2)(a) to (d) of the Financial Promotion Order, or who are any other persons to whom it may otherwise lawfully be made under the Financial Promotion Order (all such persons together being referred to as “Relevant Persons”). In the United Kingdom, the Notes offered hereby are only available to, and any investment or investment activity to which this pricing supplement, the accompanying product supplement, the accompanying prospectus supplement and the accompanying prospectus relates will be engaged in only with, Relevant Persons. Any person in the United Kingdom that is not a relevant person should not act or rely on this pricing supplement, the accompanying product supplement, the accompanying prospectus supplement or the accompanying prospectus or any of their contents.

Any invitation or inducement to engage in investment activity (within the meaning of Section 21 of the FSMA) in connection with the issue or sale of the Notes may only be communicated or caused to be communicated in circumstances in which Section 21(1) of the FSMA does not apply to BofA Finance, as Issuer, or BAC, as Guarantor.

All applicable provisions of the FSMA must be complied with in respect to anything done by any person in relation to the Notes in, from or otherwise involving the United Kingdom.

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CONTINGENT INCOME (WITH MEMORY FEATURE) AUTO-CALLABLE YIELD NOTES | PS-20

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Structuring the Notes

The Notes are our debt securities, the return on which is linked to the performance of the Underlying Stocks. The related guarantee is BAC’s obligation. As is the case for all of our and BAC’s respective debt securities, including our market-linked notes, the economic terms of the Notes reflect our and BAC’s actual or perceived creditworthiness at the time of pricing. In addition, because market-linked notes result in increased operational, funding and liability management costs to us and BAC, BAC typically borrows the funds under these types of notes at a rate, which we refer to in this pricing supplement as BAC’s internal funding rate, that is more favorable to BAC than the rate that it might pay for a conventional fixed or floating rate debt security. This generally relatively lower internal funding rate, which is reflected in the economic terms of the Notes, along with the fees and charges associated with market-linked notes, resulted in the initial estimated value of the Notes on the pricing date being less than their public offering price.

In order to meet our payment obligations on the Notes, at the time we issue the Notes, we may choose to enter into certain hedging arrangements (which may include call options, put options or other derivatives) with BofAS or one of our other affiliates. The terms of these hedging arrangements are determined based upon terms provided by BofAS and its affiliates, and take into account a number of factors, including our and BAC’s creditworthiness, interest rate movements, the volatility of the Underlying Stocks, the tenor of the Notes and the hedging arrangements. The economic terms of the Notes and their initial estimated value depend in part on the terms of these hedging arrangements.

BofAS has advised us that the hedging arrangements will include hedging related charges, reflecting the costs associated with, and our affiliates’ profit earned from, these hedging arrangements. Since hedging entails risk and may be influenced by unpredictable market forces, actual profits or losses from these hedging transactions may be more or less than any expected amounts.

For further information, see “Risk Factors” beginning on page PS-4 and “Supplemental Use of Proceeds” on page PS-15 of the accompanying product supplement.

Validity of the Notes

In the opinion of Sidley Austin LLP, as counsel to BofA Finance and BAC, when the trustee has made the appropriate entries or notations on Schedule 1 to the master global note that represents the Notes (the “Master Note”) identifying the Notes offered hereby as supplemental obligations thereunder in accordance with the instructions of BofA Finance, and the Notes have been delivered against payment as contemplated herein, such Notes will be valid and binding obligations of BofA Finance, and the related guarantee will be a valid and binding obligation of BAC, in each case, enforceable in accordance with their terms, subject to applicable bankruptcy, insolvency and similar laws affecting creditors’ rights generally, concepts of reasonableness and equitable principles of general applicability (including, without limitation, concepts of good faith, fair dealing and the lack of bad faith), provided that such counsel expresses no opinion as to the effect of fraudulent conveyance, fraudulent transfer or similar provision of applicable law on the conclusions expressed above. This opinion is given as of the date hereof and is limited to the Delaware Limited Liability Company Act, the Delaware General Corporation Law and the laws of the State of New York as in effect on the date hereof. In addition, this opinion is subject to customary assumptions about the trustee’s authorization, execution and delivery of the indenture and due authentication of the Master Note and the genuineness of signatures and certain factual matters, all as stated in the letter of such counsel dated October 1, 2025 which has been filed as Exhibit 5.3 to the Company’s Registration Statement on Form S-3 filed with the Securities and Exchange Commission on October 1, 2025.

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CONTINGENT INCOME (WITH MEMORY FEATURE) AUTO-CALLABLE YIELD NOTES | PS-21

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U.S. Federal Income Tax Summary

The following summary of the material U.S. federal income and estate tax considerations of the acquisition, ownership, and disposition of the Notes supplements, and to the extent inconsistent supersedes, the discussion under “U.S. Federal Income Tax Considerations” in the accompanying prospectus and is not exhaustive of all possible tax considerations. This summary is based upon the Internal Revenue Code of 1986, as amended (the “Code”), regulations promulgated under the Code by the U.S. Treasury Department (“Treasury”) (including proposed and temporary regulations), rulings, current administrative interpretations and official pronouncements of the IRS, and judicial decisions, all as currently in effect and all of which are subject to differing interpretations or to change, possibly with retroactive effect. No assurance can be given that the IRS would not assert, or that a court would not sustain, a position contrary to any of the tax consequences described below. This summary does not include any description of the tax laws of any state or local governments, or of any foreign government, that may be applicable to a particular holder.

Although the Notes are issued by us, they will be treated as if they were issued by BAC for U.S. federal income tax purposes. Accordingly throughout this tax discussion, references to “we,” “our” or “us” are generally to BAC unless the context requires otherwise.

This summary is directed solely to U.S. Holders and Non-U.S. Holders (each, as defined in the accompanying prospectus) that, except as otherwise specifically noted, will purchase the Notes upon original issuance and will hold the Notes as capital assets within the meaning of Section 1221 of the Code, which generally means property held for investment, and that are not excluded from the discussion under “U.S. Federal Income Tax Considerations” in the accompanying prospectus.

You should consult your own tax advisor concerning the U.S. federal income tax consequences to you of acquiring, owning, and disposing of the Notes, as well as any tax consequences arising under the laws of any state, local, foreign, or other tax jurisdiction and the possible effects of changes in U.S. federal or other tax laws.

General

Although there is no statutory, judicial, or administrative authority directly addressing the characterization of the Notes, we intend to treat the Notes for all tax purposes as contingent income-bearing single financial contracts with respect to the Underlying Stocks and under the terms of the Notes, we and every investor in the Notes agree, in the absence of an administrative determination or judicial ruling to the contrary, to treat the Notes in accordance with such characterization. In the opinion of our counsel, Sidley Austin LLP, it is reasonable to treat the Notes as contingent income-bearing single financial contracts with respect to the Underlying Stocks. This discussion assumes that the Notes constitute contingent income-bearing single financial contracts with respect to the Underlying Stocks for U.S. federal income tax purposes. If the Notes did not constitute contingent income-bearing single financial contracts, the tax consequences described below would be materially different.

This characterization of the Notes is not binding on the IRS or the courts. No statutory, judicial, or administrative authority directly addresses the characterization of the Notes or any similar instruments for U.S. federal income tax purposes, and no ruling is being requested from the IRS with respect to their proper characterization and treatment. Due to the absence of authorities on point, significant aspects of the U.S. federal income tax consequences of an investment in the Notes are not certain, and no assurance can be given that the IRS or any court will agree with the characterization and tax treatment described in this pricing supplement. Accordingly, you are urged to consult your tax advisor regarding all aspects of the U.S. federal income tax consequences of an investment in the Notes, including possible alternative characterizations.

Unless otherwise stated, the following discussion is based on the characterization described above. The discussion in this section assumes that there is a significant possibility of a significant loss of principal on an investment in the Notes.

We will not attempt to ascertain whether the issuer of any Underlying Stock would be treated as a “passive foreign investment company” (“PFIC”), within the meaning of Section 1297 of the Code, or a United States real property holding corporation, within the meaning of Section 897(c) of the Code. If the issuer of any Underlying Stock were so treated, certain adverse U.S. federal income tax consequences could possibly apply to a holder of the Notes. You should refer to information filed with the SEC by the issuers of the Underlying Stocks and consult your tax advisor regarding the possible consequences to you, if any, if the issuer of any Underlying Stock is or becomes a PFIC or is or becomes a United States real property holding corporation.

U.S. Holders

Although the U.S. federal income tax treatment of any Contingent Coupon Payment on the Notes is uncertain, we intend to take the position, and the following discussion assumes, that any Contingent Coupon Payment constitutes taxable ordinary income to a U.S. Holder at the time received or accrued in accordance with the U.S. Holder’s regular method of accounting. By purchasing the Notes you agree, in the absence of an administrative determination or judicial ruling to the contrary, to treat any Contingent Coupon Payment as described in the preceding sentence.

Upon receipt of a cash payment at maturity or upon a sale, exchange or redemption of the Notes prior to maturity, a U.S. Holder generally will recognize capital gain or loss equal to the difference between the amount realized (other than amounts representing any Contingent Coupon Payment, which would be taxed as described above) and the U.S. Holder’s tax basis in the Notes. A U.S. Holder’s tax basis in the Notes will equal the amount paid by that holder to acquire them. This capital gain or loss generally will be long-term capital gain or loss if the U.S. Holder held the Notes for more than one year. The deductibility of capital losses is subject to limitations.

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CONTINGENT INCOME (WITH MEMORY FEATURE) AUTO-CALLABLE YIELD NOTES | PS-22

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Alternative Tax Treatments. Due to the absence of authorities that directly address the proper tax treatment of the Notes, prospective investors are urged to consult their tax advisors regarding all possible alternative tax treatments of an investment in the Notes. In particular, the IRS could seek to subject the Notes to the Treasury regulations governing contingent payment debt instruments. If the IRS were successful in that regard, the timing and character of income on the Notes would be affected significantly. Among other things, a U.S. Holder would be required to accrue original issue discount every year at a “comparable yield” determined at the time of issuance. In addition, any gain realized by a U.S. Holder at maturity or upon a sale, exchange or redemption of the Notes generally would be treated as ordinary income, and any loss realized at maturity or upon a sale, exchange or redemption of the Notes generally would be treated as ordinary loss to the extent of the U.S. Holder’s prior accruals of original issue discount, and as capital loss thereafter.

In addition, it is possible that the Notes could be treated as a unit consisting of a deposit and a put option written by the Note holder, in which case the timing and character of income on the Notes would be affected significantly.

The IRS released Notice 2008-2 (the \"Notice\"), which sought comments from the public on the taxation of financial instruments currently taxed as “prepaid forward contracts.” This Notice addresses instruments such as the Notes. According to the Notice, the IRS and Treasury are considering whether a holder of an instrument such as the Notes should be required to accrue ordinary income on a current basis, regardless of whether any payments are made prior to maturity. It is not possible to determine what guidance the IRS and Treasury will ultimately issue, if any. Any such future guidance may affect the amount, timing and character of income, gain, or loss in respect of the Notes, possibly with retroactive effect.

The IRS and Treasury are also considering additional issues, including whether additional gain or loss from such instruments should be treated as ordinary or capital, whether foreign holders of such instruments should be subject to withholding tax on any deemed income accruals, whether Section 1260 of the Code, concerning certain “constructive ownership transactions,” generally applies or should generally apply to such instruments, and whether any of these determinations depend on the nature of the underlying asset.

In addition, proposed Treasury regulations require the accrual of income on a current basis for contingent payments made under certain notional principal contracts. The preamble to the regulations states that the “wait and see” method of accounting does not properly reflect the economic accrual of income on those contracts, and requires current accrual of income for some contracts already in existence. While the proposed regulations do not apply to prepaid forward contracts, the preamble to the proposed regulations expresses the view that similar timing issues exist in the case of prepaid forward contracts. If the IRS or Treasury publishes future guidance requiring current economic accrual for contingent payments on prepaid forward contracts, it is possible that you could be required to accrue income over the term of the Notes.

Because of the absence of authority regarding the appropriate tax characterization of the Notes, it is also possible that the IRS could seek to characterize the Notes in a manner that results in tax consequences that are different from those described above. For example, the IRS could possibly assert that any gain or loss that a holder may recognize at maturity or upon the sale, exchange or redemption of the Notes should be treated as ordinary gain or loss.

Non-U.S. Holders

Because the U.S. federal income tax treatment of the Notes (including any Contingent Coupon Payment) is uncertain, we (or the applicable paying agent) will withhold U.S. federal income tax at a 30% rate (or at a lower rate under an applicable income tax treaty) on the entire amount of any Contingent Coupon Payment made unless such payments are effectively connected with the conduct by the Non-U.S. Holder of a trade or business in the U.S. (in which case, to avoid withholding, the Non-U.S. Holder will be required to provide a Form W-8ECI). We (or the applicable paying agent) will not pay any additional amounts in respect of such withholding. To claim benefits under an income tax treaty, a Non-U.S. Holder must obtain a taxpayer identification number and certify as to its eligibility under the appropriate treaty’s limitations on benefits article, if applicable. In addition, special rules may apply to claims for treaty benefits made by Non-U.S. Holders that are entities rather than individuals. The availability of a lower rate of withholding under an applicable income tax treaty will depend on whether such rate applies to the characterization of the payments under U.S. federal income tax laws. A Non-U.S. Holder that is eligible for a reduced rate of U.S. federal withholding tax pursuant to an income tax treaty may obtain a refund of any excess amounts withheld by filing an appropriate claim for refund with the IRS.

Except as discussed below, a Non-U.S. Holder generally will not be subject to U.S. federal income or withholding tax for amounts paid in respect of the Notes (not including, for the avoidance of doubt, amounts representing any Contingent Coupon Payment which would be subject to the rules discussed in the previous paragraph) upon the sale, exchange or redemption of the Notes or their settlement at maturity, provided that the Non-U.S. Holder complies with applicable certification requirements and that the payment is not effectively connected with the conduct by the Non-U.S. Holder of a U.S. trade or business. Notwithstanding the foregoing, gain from the sale, exchange or redemption of the Notes or their settlement at maturity may be subject to U.S. federal income tax if that Non-U.S. Holder is a non-resident alien individual and is present in the U.S. for 183 days or more during the taxable year of the sale, exchange, redemption, or settlement and certain other conditions are satisfied.

If a Non-U.S. Holder of the Notes is engaged in the conduct of a trade or business within the U.S. and if any Contingent Coupon Payment and gain realized on the settlement at maturity, or upon sale, exchange or redemption of the Notes, is effectively connected with the conduct of such trade or business (and, if certain tax treaties apply, is attributable to a permanent establishment maintained by the Non-U.S. Holder in the U.S.), the Non-U.S. Holder, although exempt from U.S. federal withholding tax, generally will be subject to U.S. federal income tax on such Contingent Coupon Payment and gain on a net income basis in the same manner as if it were a U.S. Holder. Such Non-U.S. Holders should read the material under the heading “—U.S. Holders,” for a description of the U.S. federal income tax consequences of acquiring, owning, and disposing of the Notes. In addition, if such Non-U.S.

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CONTINGENT INCOME (WITH MEMORY FEATURE) AUTO-CALLABLE YIELD NOTES | PS-23

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Holder is a foreign corporation, it may also be subject to a branch profits tax equal to 30% (or such lower rate provided by any applicable tax treaty) of a portion of its earnings and profits for the taxable year that are effectively connected with its conduct of a trade or business in the U.S., subject to certain adjustments.

A “dividend equivalent” payment is treated as a dividend from sources within the United States and such payments generally would be subject to a 30% U.S. withholding tax if paid to a Non-U.S. Holder. Under Treasury regulations, payments (including deemed payments) with respect to equity-linked instruments (“ELIs”) that are “specified ELIs” may be treated as dividend equivalents if such specified ELIs reference an interest in an “underlying security,” which is generally any interest in an entity taxable as a corporation for U.S. federal income tax purposes if a payment with respect to such interest could give rise to a U.S. source dividend. However, IRS guidance provides that withholding on dividend equivalent payments will not apply to specified ELIs that are not delta-one instruments and that are issued before January 1, 2029. Based on our determination that the Notes are not delta-one instruments, Non-U.S. Holders should not be subject to withholding on dividend equivalent payments, if any, under the Notes. However, it is possible that the Notes could be treated as deemed reissued for U.S. federal income tax purposes upon the occurrence of certain events affecting the Underlying Stocks or the Notes, and following such occurrence the Notes could be treated as subject to withholding on dividend equivalent payments. Non-U.S. Holders that enter, or have entered, into other transactions in respect of the Underlying Stocks or the Notes should consult their tax advisors as to the application of the dividend equivalent withholding tax in the context of the Notes and their other transactions. If any payments are treated as dividend equivalents subject to withholding, we (or the applicable paying agent) would be entitled to withhold taxes without being required to pay any additional amounts with respect to amounts so withheld.

As discussed above, alternative characterizations of the Notes for U.S. federal income tax purposes are possible. Should an alternative characterization, by reason of change or clarification of the law, by regulation or otherwise, cause payments as to the Notes to become subject to withholding tax in addition to the withholding tax described above, tax will be withheld at the applicable statutory rate. Prospective Non-U.S. Holders should consult their own tax advisors regarding the tax consequences of such alternative characterizations.

U.S. Federal Estate Tax. Under current law, while the matter is not entirely clear, individual Non-U.S. Holders, and entities whose property is potentially includible in those individuals’ gross estates for U.S. federal estate tax purposes (for example, a trust funded by such an individual and with respect to which the individual has retained certain interests or powers), should note that, absent an applicable treaty benefit, a Note is likely to be treated as U.S. situs property, subject to U.S. federal estate tax. These individuals and entities should consult their own tax advisors regarding the U.S. federal estate tax consequences of investing in a Note.

Backup Withholding and Information Reporting

Please see the discussion under “U.S. Federal Income Tax Considerations — General — Backup Withholding and Information Reporting” in the accompanying prospectus for a description of the applicability of the backup withholding and information reporting rules to payments made on the Notes.

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CONTINGENT INCOME (WITH MEMORY FEATURE) AUTO-CALLABLE YIELD NOTES | PS-24

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Where You Can Find More Information

The terms and risks of the Notes are contained in this pricing supplement and in the following related product supplement, prospectus supplement and prospectus, which can be accessed at the following links:

Product Supplement STOCK-1 dated December 8, 2025: https://www.sec.gov/Archives/edgar/data/70858/000119312525311322/d52179d424b2.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

This pricing supplement and the accompanying product supplement, prospectus supplement and prospectus have been filed as part of a registration statement with the SEC, which may, without cost, be accessed on the SEC website at www.sec.gov or obtained from BofAS by calling 1-800-294-1322. Before you invest, you should read this pricing supplement and the accompanying product supplement, prospectus supplement and prospectus for information about us, BAC and this offering. Any prior or contemporaneous oral statements and any other written materials you may have received are superseded by this pricing supplement and the accompanying product supplement, prospectus supplement and prospectus. Certain terms used but not defined in this pricing supplement have the meanings set forth in the accompanying product supplement or prospectus supplement. Unless otherwise indicated or unless the context requires otherwise, all references in this document to “we,” “us,” “our,” or similar references are to BofA Finance, and not to BAC.

The Notes are our senior debt securities. Any payments on the Notes are fully and unconditionally guaranteed by BAC. The Notes and the related guarantee are not insured by the Federal Deposit Insurance Corporation or secured by collateral. The Notes will rank equally in right of payment with all of our other unsecured and unsubordinated obligations, except obligations that are subject to any priorities or preferences by law. The related guarantee will rank equally in right of payment with all of BAC’s other unsecured and unsubordinated obligations, except obligations that are subject to any priorities or preferences by law, and senior to its subordinated obligations. Any payments due on the Notes, including any repayment of the principal amount, will be subject to the credit risk of BofA Finance, as Issuer, and BAC, as Guarantor.

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CONTINGENT INCOME (WITH MEMORY FEATURE) AUTO-CALLABLE YIELD NOTES | PS-25

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