美国银行美股招股说明书(2025-07-17版)

ETF Trust, the SPDR®S&P Linked to the Least Performing of the SPDR®ETF Trust and the iShares® Average®ETF Trust, the SPDR®S&P 500®ETF Trust and the iShares®22, 2025 and expected to issue on July 25, 2025. Approximate 5 year term if not called prior to maturity.Payments on the Notes will depend on the individual performance of the SPDR®Dow Jones Industrial Average® Contingent coupons payable monthly if the Observation Value ofeachUnderlying on the applicable Observation Date is greater than or equal to 80.00% ofits Starting Value, assuming the Notes have not been called. The coupon per $1,000.00 in principal amount of Notes payable on the related Contingent Payment Date, if applicable, will equal (i) theproductof $7.084timesthe number of Contingent Payment Dates that have occurred 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. otherwise payable.Assuming the Notes are not called prior to maturity, ifanyUnderlying declines by more than 12% from its Starting Value, at maturity your investment will beexposed on a leveraged basis to any decrease in the value of the Least Performing Underlying beyond a 12% decline, with up to 100% of the principal atrisk; 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 80.00% of its Starting Value. The Notes will not be listed on any securities exchange. CUSIP No. 09711JGP8.The initial estimated value of the Notes as of the pricing date is expected to be between $951.20 and $991.20 per $1,000.00 in principal amount ofNotes, which is less than the public 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-12 of this pricing supplement and “Structuring the Notes” on page PS-25of this pricing supplement forThere are important differences between the Notes and a conventional debt security. Potential purchasers of the Notes should consider the information in “Risk Factors” beginning on page PS-12of 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. 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.Public Offering Price(1)Underwriting Discount(1)(2)(3)Proceeds, before expenses, to BofA FinancePer Note$1,000.00$2.50$997.50 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 In addition to the underwriting discount above, if any, an affiliate of BofA Finance will pay a referral fee of up to $3.00 per $1,000.00 in principal amount of the Selling Agent BofA FinanceBAC Denominations:The Notes will be issued in minimum denominations of $1,000.00 and whole multiples of $1,000.00 in excess thereof.Approximately 5 years, unless previously called. Maturity Date*:July 25, 2030 Starting Value:With respect to each Underlying, its Closing Market Price on the pricing date.ObservationWith respect to each Underlying, its Closing Market Price on the applicable Observation Date, multiplied by its Price Multiplier. With respect to each Underlying, 1, subject to adjustment for certain events relating to that Underlying as described in “Description of theNotes — Anti-Dilution and Discontinuance Adjustments Relating to ETFs” beginning on page PS-28 of the accompanying product Threshold Rate:Thequotientof the Starting Value of the Least Performing Underlying divided by its Threshold Value (expressed as a percentage), whichequals approximately 113.63636%.Threshold Value:With respect to each Underlying, 88.00% of its Starting Value. Payment (withIf, on any monthly Observation Date, the Observation Value ofeachUnderlying is greater than or equal to its Coupon Barrier, we will paya Contingent Coupon Payment per $1,000.00 in principal amount of Notes on the applicable Contingent Payment Date (including theMaturity Date) equal to (i) theproductof $7.084timesthe number of Contingent Payment Dates that have occurred up to the relevant May 24, 2027June 22, 2027 Assuming the Notes have not been called,on the Maturity Date, you will receive a cash payment per $1,000.00 in principal amount of Notes the relevant Contingent Payment Date) minus (ii) the sum of all Contingent Coupon Payments previously paid.= (i) $7.084 x 15 - (ii) $99.176 = $7.084 per $1,000.00 in principal amount of Notes.On the applicable Contingent Payment Date (which is also the Call Payment Date), you will receive $1,007.084 per $1,00