美国银行美股招股说明书(2025-07-23版)

Linked to the S&P 500®Index Index, due May 29, 2026 (the “Notes”) priced on July 21, 2025 and will issue on July 24, 2025. The Capped Enhanced Return Notes Linked to the S&P 500®Approximate 10 month term. No periodic interest payments.The Notes will not be listed on any securities exchange. CUSIP No. 09711JSK6.The initial estimated value of the Notes as of the pricing date is $979.30 per $1,000.00 in principal amount of Notes, 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-6 of this pricing supplement and“Structuring the Notes” on page PS-13of 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 the information in “Risk Factors”beginning on page PS-6of this pricing supplement, page PS-5 of the accompanying product supplement, page S-6 of the accompanying prospectus supplement, and page 7of 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 ordetermined if this pricing supplement and the accompanying product supplement, prospectus supplement and prospectus is truthful or complete. Any representation to the contrary is aPublic Offering Price(1)Underwriting Discount(1)(2)Proceeds, before expenses, to BofA FinancePer Note$1,000.00$17.00$983.00Total$2,697,000.00$45,849.00$2,651,151.00Certain 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 offeringprice for investors purchasing the Notes in these fee-based advisory accounts may be as low as $983.00 per $1,000.00 in principal amount of Notes.The underwriting discount per $1,000.00 in principal amount of Notes may be as high as $17.00, resulting in proceeds, before expenses, to BofA Finance of as low as $983.00 per$1,000.00 in principal amount of Notes. The total underwriting discount and proceeds, before expenses, to BofA Finance specified above reflect the aggregate of the underwritingdiscounts per $1,000.00 in principal amount of Notes.The Notes and the related guarantee:Are Not FDIC InsuredAre not Bank GuaranteedMay Lose ValueSelling Agent Participation Rate:300.00% The Redemption Amount per $1,000.00 in principal amount of Notes will be: All payments described above are subject to the credit risk of BofA Finance, as Issuer, and BAC, as Guarantor. CAPPED ENHANCED RETURN NOTES |PS-4 (1)The Redemption Amount per Note cannot exceed the Max Return. (2)The hypothetical Starting Value of 100 used in the table above has been chosen for illustrative purposes only. The actual Starting Value of the Underlying is set forth on page PS-2 above. relating to the Notes in the “Risk Factors” sections beginning on page PS-5 of the accompanying product supplement, page S-6 of the accompanying prospectus supplement and page 7 ofthe accompanying prospectus, each as identified on page PS-17below.Structure-related Risks Your investment may result in a loss; there is no guaranteed return of principal.There is no fixed principal repayment amount on the Notes at maturity. If the Ending Value ofthe Underlying is less than the Starting Value, at maturity, your investment will be subject to 1:1 downside exposure to decreases in the value of the Underlying and you will lose 1%of the principal amount for each 1% that the Ending Value of the Underlying is less than the Starting Value. In that case, you will lose some or all of your investment in the Notes.The return on the Notes will be limited to the Max Return.The return on the Notes will not exceed the Max Return, regardless of the performance of the Underlying. In contrast, adirect investment in the securities included in the Underlying would allow you to receive the benefit of any appreciation in their value. Any return on the Notes will not reflect thereturn you would realize if you actually owned those securities and received the dividends paid or distributions made on them. return you would earn if you purchased a conventional debt security with the same Maturity Date. As a result, your investment in the Notes may not reflect the full opportunity cost toyou when you consider factors, such as inflation, that affect the time value of money.The Redemption Amount will not reflect changes in the level of the Underlying other than on the Valuation Date.The level of the Underlying during the term of the Notesother than on the Valuation Date will not be reflected in the calculation of the Redemption Amount. Notwithstanding the foregoing, investors should generally be aware of the performance of the Underlying while holding the Notes, as the performance of the Underlying may influence th