美国银行美股招股说明书(2025-05-20版)

Linked to the EURO STOXX 50®• The Buffered Auto-Callable Digital Return Plus Notes Linked to the EURO STOXX 50®Index, due May 19, 2028 (the “Notes”) priced on May 16, 2025 andwillissue on May 21, 2025. Approximate 3 year term if not called prior to maturity. Payment on the Notes will depend on the performance of the EURO STOXX 50® •Beginning with the May 22, 2026 Call Observation Date, automatically callable at an amount equal to the applicable Call Amount if, on the applicable CallObservation Date, the Observation Value of the Underlying is equal to or greater than its Call Value. The Call Value is indicated on page PS-2 and theCallObservation Dates and Call Amounts are indicated on page PS-4. •Assuming the Notes are not called prior to maturity, if the Ending Value of the Underlying is greater than or equal to 100% of its Starting Value, at maturity, you willreceive the greater of i) 1-to-1 upside exposure to increases in the value of the Underlying and ii) a digital payment of $1,150.00 per $1,000.00 in principal amountof Notes. However, assuming the Notes are not called prior to maturity, if the Underlying declines by more than 6% from its Starting Value, at maturity your investment will besubject to 1:1 downside exposure to decreases in the value of the Underlying beyond a 6% decline, with up to 94% of the principal at risk. Otherwise, if the Notesare not called prior to maturity and the Ending Value of the Underlying is less than 100.00% of its Starting Value but greater than or equal to 94% of its Starting No periodic interest payments. CUSIP No. 09711HG64. The initial estimated value of the Notes as of the pricing date is$959.60per $1,000.00 in principal amount of Notes, which is less than the publicoffering 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-8 of this pricing supplement and “Structuring the Notes” on page PS-16of 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-8of this pricing supplement,page PS-5 of the accompanying product supplement, page S-6 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. 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 $980.00per $1,000.00 in The underwriting discount per $1,000.00 in principal amount of Notes may be as high as $20.00, resulting in proceeds, before expenses, to BofA Finance ofas low as $980.00 per $1,000.00 in principal amount of Notes. The total underwriting discount and proceeds, before expenses, to BofA Finance specifiedabove reflect the aggregate of the underwriting discounts per $1,000.00in principal amount of Notes. Call Observation Dates, Call Payment Dates and Call Amounts * TheCall Observation Dates are subject to postponement as set forth in “Description of the Notes—Certain Terms of the Notes—Events Relating toObservation Dates” beginning on page PS-23 of the accompanying product supplement, with references to “Observation Dates” being read as references to“Call Observation 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 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-linkednotes, and the economic terms of certain related hedging arrangements BAC’s affiliates enter into. BAC’s internal funding rate is typically lower than the rate itwould pay when it issues conventional fixed or floating rate debt securities. This difference in funding rate, as well as the underwriting discount, if any, and thehedging related charges described below (see “Risk Factors” beginning on page PS-8), reduced the economic terms of the Notes to you and the initial The initial estimated value of the Notes as of the pricing date is set forth on the cover page of this pricing supplement. For more information about the initialestimated value and the structuring of the Notes, see “Risk Factors” beginning on page PS-8 and “Structuring the Notes” on pagePS-16. Automatic Call and Redemption Amount Determination *OneachCal