美国银行美股招股说明书(2025-07-11版)

Index, the S&P 500®Index and the iShares® Linked to the Least Performing of the Nasdaq-100®Russell 2000®Value ETF The Contingent Income Issuer Callable Yield Notes Linked to the Least Performing of the Nasdaq-100® (each an “Underlying”). Contingent coupon rate of 9.50% per annum (0.7917% per month) payable monthly if the Observation Value ofeachUnderlying on the applicable Observation Date Corporation (“BAC” or the “Guarantor”), as guarantor of the Notes.The Notes will not be listed on any securities exchange.CUSIP No. 09711J6A2.The initial estimated value of the Notes as of the pricing date is $982.50 per $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-11 of this pricing supplement and “Structuring the Notes” on page PS-28 of 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-11 of this pricing supplement, page PS-5 of the accompanying product supplement, page S-6 of None of the Securities and Exchange Commission (the “SEC”), any state securities commission, or any other regulatory body has approved or disapproved ofthese 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 $997.50 per $1,000.00 inprincipal amount of Notes. The underwriting discount per $1,000.00 in principal amount of Notes may be as high as $2.50, resulting in proceeds, before expenses, to BofA Finance of as In addition to the underwriting discount above, if any, an affiliate of BofA Finance will pay a referral fee of up to $5.00 per $1,000.00 in principal amount of the Notes in connection with the distribution of the Notes to other registered broker-dealers.The Notes and the related guarantee:Are not Bank GuaranteedMay Lose Value Selling Agent Underlyings:The Nasdaq-100®Index (Bloomberg symbol: “NDX”), a price return index, the S&P 500®Index (Bloomberg symbol: “SPX”), a price Pricing Date:July 9, 2025Issue Date:July 11, 2025Valuation Date:July 9, 2030, subject to postponement as described under “Description of the Notes—Certain Terms of the Notes—Events Relating to ObservationWith respect to the NDX, its closing level on the applicable Observation Date.With respect to the SPX, its closing level on the applicable Observation Date.With respect to the IWN, its Closing Market Price on the applicable Observation Date, multiplied by its Price Multiplier. Ending Value:With respect to each Underlying, its Observation Value on the Valuation Date.Price Multiplier:With respect to the IWN, 1, subject to adjustment for certain events relating to that Underlying as described in “Description of the Notes February 11, 2027 $95.004 32$253.34434$269.178 38 5052 54$427.51856$443.352 Your investment in the Notes entails significant risks, many of which differ from those of a conventional debt security. Your decision to purchase the Notes shouldbe made only after carefully considering the risks of an investment in the Notes, including those discussed below, with your advisors in light of your particular general. You should carefully review the more detailed explanation of risks relating to the Notes in the “Risk Factors” sections beginning on page PS-5 of theaccompanying product supplement, page S-6 of the accompanying prospectus supplement and page 7 of the accompanying prospectus, each as identified onpage PS-33 below. Underlyings, and a change in the value of one Underlying may not correlate with changes in the values of the other Underlyings. The Notes are not linkedto a basket composed of the Underlyings, where the depreciation in the receive the Contingent Coupon Payment with respect to that Observation Date if the Observation Value of another Underlying is below its Coupon Barrier onthat day. In addition, even if the Ending Value of an Underlying is at or above its Threshold Value, you will lose a significant portion or all of your investmentin the Notes if the Ending Value of the Least Performing Underlying is below its Threshold Value. Any payments on the Notes are subject to our credit risk and the credit risk of the Guarantor, and any actual or perceived changes in our or theGuarantor’s creditworthiness are expected to affect the value of the Notes.The Notes are our senior unsecured debt securities. Any payment on the