美国银行美股招股说明书(2026-01-08版)

BofA Finance LLC $-- Preliminary Pricing Supplement - Subject to Completion(To Prospectus dated December 8, 2025,Series A Prospectus Supplement dated December 8, 2025 andProduct Supplement STOCK-1 dated December 8, 2025) Contingent Income (with Memory Feature)Auto-Callable Yield Notes Fully and Unconditionally Guaranteed by Bank of America Corporation Linked to the Common Stock of Broadcom Inc.• (the “Notes”) are expected to price on January 15, 2026 and expected to issue on January 21, 2026.Approximate 3 year term if not called prior to maturity.Payments on the Notes will depend on the performance of the common stock of Broadcom Inc. (the “Underlying Stock”). •Contingent coupons payable quarterly if the Observation Value of the Underlying Stock on the applicable Observation Date is greater than or equalto 50.00% of its 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 between [$28.75 and $31.25]timesthe number of Contingent PaymentDates 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. The actual contingent coupon rate will be determined on the pricing date.Beginning with the July 15, 2026 Call Observation Date, automatically callable quarterly for an amount equal to the principal amount plus therelevant Contingent Coupon Payment, if the Observation Value of the Underlying Stock is greater than or equal to 100.00% of its Starting Value onany Call Observation Date. •• Assuming the Notes are not called prior to maturity, if the Underlying Stock declines by more than 50% from its Starting Value, at maturity yourinvestment will be subject to 1:1 downside exposure to decreases in the value of the Underlying Stock, with up to 100% of the principal at risk; Value of the Underlying Stock on the final Observation Date is greater than or equal to 50.00% of its Starting Value.•All payments on the Notes are subject to the credit risk of BofA Finance LLC (“BofA Finance” or the “Issuer”), as issuer of the Notes, and Bank ofAmerica Corporation (“BAC” or the “Guarantor”), as guarantor of the Notes. The Notes will not be listed on any securities exchange.CUSIP No. 09711NRZ5. The initial estimated value of the Notes as of the pricing date is expected to be between $920.00 and $970.00 per $1,000.00 in principal amountof 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-10 of this pricing supplement and “Structuring the Notes” on page PS-16 of thispricing 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-10 of this pricing supplement, page PS-4 of the accompanying product supplement, page None of the Securities and Exchange Commission (the “SEC”), any state securities commission, or any other regulatory body has approved ordisapproved of these securities or determined if this pricing supplement and the accompanying product supplement, prospectus supplement and (1)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 $975.00 per$1,000.00 in principal amount of Notes.(2)The underwriting discount per $1,000.00 in principal amount of Notes may be as high as $25.00, resulting in proceeds, before expenses, to BofA Finance of as low as $975.00 per $1,000.00 in principal amount of Notes. Contingent Income (with Memory Feature) Auto-Callable Yield Notes Linked to the Common Stock of Broadcom Inc. * The Call Observation Dates are subject to postponement as set forth in “Description of the Notes—Certain Terms of the Notes—Events Relating toObservation Dates” on page PS-18 of the accompanying product supplement, with references to “Observation Dates” being read as references to “Call 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 UnderlyingStock. The economic 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 ofmarket-linked notes, and the economic terms of certain related hedging arrangements BAC’s affiliates enter into. BAC’s internal funding rate is typicallylower than the rate it would pay when it issues conventional fixed or floating rate debt securities. This difference in funding rate, as well as the The initial estimate