BofA Finance LLC

02/17/2026 | Press release | Distributed by Public on 02/17/2026 13:24

Free Writing Prospectus (Form FWP)

LEVERAGED INDEX RETURN NOTES® (LIRNs®)

Filed Pursuant to Rule 433
Registration No. 333-290665-01

LIRNs® Linked to the Copper Spot Price

The graph above and the table below reflect the hypothetical return on the notes, based on the terms contained in the table to the left (using the mid-point for any range(s)). The graph and table have been prepared for purposes of illustration only and do not take into account any tax consequences from investing in the notes.

Hypothetical Percentage Change from the Starting Value to the Ending Value

Hypothetical Redemption Amount per Unit(1)

Hypothetical Total Rate of Return on the Notes

-100.00%

$0.000

-100.00%

-50.00%

$5.000

-50.00%

-30.00%

$7.000

-30.00%

-20.00%

$8.000

-20.00%

-15.00%

$8.500

-15.00%

-10.00%

$9.000

-10.00%

-6.00%

$9.400

-6.00%

-3.00%

$9.700

-3.00%

0.00%(2) (3)

$10.000

0.00%

2.00%

$10.230

2.30%

3.00%

$10.345

3.45%

5.00%

$10.575

5.75%

10.00%

$11.150

11.50%

20.00%

$12.300

23.00%

30.00%

$13.450

34.50%

40.00%

$14.600

46.00%

50.00%

$15.750

57.50%

60.00%

$16.900

69.00%

115.00%

$23.225

132.25%

Issuer

BofA Finance LLC ("BofA Finance")

Guarantor

Bank of America Corporation ("BAC")

Principal Amount

$10.00 per unit

Term

Approximately 18 months

Market Measure

The Copper Spot Price (Bloomberg symbol: "LOCADY")

Payout Profile at Maturity

●[105.00% to 125.00%] leveraged upside exposure to increases in the Market Measure

●1-to-1 downside exposure to decreases in the Market Measure, with up to 100.00% of your principal at risk

Participation Rate

[105.00% to 125.00%], to be determined on the pricing date.

Threshold Value

100% of the Starting Value of the Market Measure

Interest Payments

None

Preliminary Offering Documents

https://www.sec.gov/Archives/edgar/data/1682472/000191870426004157/bofa-424b2.htm

Exchange Listing

No

You should read the relevant Preliminary Offering Documents before you invest. Click on the Preliminary Offering Documents hyperlink above or call your Financial Advisor for a hard copy.

Risk factors

Please see the Preliminary Offering Documents for a description of certain risks related to this investment, including, but not limited to, the following:

●Depending on the performance of the Market Measure as measured shortly before the maturity date, your investment may result in a loss; there is no guaranteed return of principal.

●Payments on the notes are subject to the credit risk of BofA Finance and the credit risk of BAC, and actual or perceived changes in the creditworthiness of BofA Finance or BAC are expected to affect the value of the notes. If BofA Finance and BAC become insolvent or are unable to pay their respective obligations, you may lose your entire investment.

●The initial estimated value of the notes on the pricing date will be less than their public offering price.

●If you attempt to sell the notes prior to maturity, their market value may be lower than both the public offering price and the initial estimated value of the notes on the pricing date.

●Ownership of the notes will not entitle you to any rights with respect to the commodity tracked by the Market Measure.

●The price of the Market Measure may change unpredictably, affecting the value of your notes in unforeseeable ways. Trading in commodities is speculative and can be extremely volatile. The Market Measure may decrease to zero or a negative price, which would adversely affect the value of your notes.

●The notes will not be regulated by the U.S. Commodity Futures Trading Commission.

●Single commodity prices tend to be more volatile than, and may not correlate with, the prices of commodities generally.

●The notes are subject to risks associated with copper.

●The notes are subject to risks associated with the LME.

Final terms will be set on the pricing date within the given range for the specified Market-Linked Investment. Please see the Preliminary Offering Documents for complete product disclosure, including related risks and tax disclosure.

(1)The Redemption Amount per unit is based on the hypothetical Participation Rate.

(2)This is the hypothetical Threshold Value.

(3)This hypothetical percentage change corresponds to the hypothetical Starting Value.

Final terms will be set on the pricing date within the given range for the specified Market-Linked Investment. Please see the Preliminary Offering Documents for complete product disclosure, including related risks and tax disclosure. BofA Finance LLC (BofA Finance) and Bank of America Corporation (BAC) have filed a registration statement (which includes a prospectus) with the Securities and Exchange Commission (SEC) for the notes that are described in this Guidebook. Before you invest, you should carefully read the prospectus in that registration statement and other documents that BofA Finance and BAC have filed with the SEC for more complete information about BofA Finance, BAC and any offering described in this Guidebook. You may obtain these documents without cost by visiting EDGAR on the SEC website at www.sec.gov. BofA Finance''s Central Index Key, or ClK, on the SEC website is 1682472 and BAC‛s CIK on the SEC website is 70858. Alternatively, Merrill Lynch will arrange to send you the prospectus and other documents relating to any offering described in this document if you so request by calling toll-free 1-800-294-1322. BofA Finance and BAC face risks that are specific to their respective businesses, and we encourage you to carefully consider these risks before making an investment in their respective securities.

BofA Finance LLC published this content on February 17, 2026, and is solely responsible for the information contained herein. Distributed via EDGAR on February 17, 2026 at 19:24 UTC. If you believe the information included in the content is inaccurate or outdated and requires editing or removal, please contact us at [email protected]