<SEC-DOCUMENT>0001104659-25-034144.txt : 20250411
<SEC-HEADER>0001104659-25-034144.hdr.sgml : 20250411
<ACCEPTANCE-DATETIME>20250411141455
ACCESSION NUMBER:		0001104659-25-034144
CONFORMED SUBMISSION TYPE:	FWP
PUBLIC DOCUMENT COUNT:		5
FILED AS OF DATE:		20250411
DATE AS OF CHANGE:		20250411

SUBJECT COMPANY:	

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			CANADIAN IMPERIAL BANK OF COMMERCE /CAN/
		CENTRAL INDEX KEY:			0001045520
		STANDARD INDUSTRIAL CLASSIFICATION:	COMMERCIAL BANKS, NEC [6029]
		ORGANIZATION NAME:           	02 Finance
		EIN:				000000000
		FISCAL YEAR END:			1031

	FILING VALUES:
		FORM TYPE:		FWP
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	333-272447
		FILM NUMBER:		25831072

	BUSINESS ADDRESS:	
		STREET 1:		81 BAY STREET
		STREET 2:		CIBC SQUARE
		CITY:			TORONTO
		STATE:			A6
		ZIP:			M5J 0E7
		BUSINESS PHONE:		4169803096

	MAIL ADDRESS:	
		STREET 1:		81 BAY STREET
		STREET 2:		CIBC SQUARE
		CITY:			TORONTO
		STATE:			A6
		ZIP:			M5J 0E7

FILED BY:		

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			CANADIAN IMPERIAL BANK OF COMMERCE /CAN/
		CENTRAL INDEX KEY:			0001045520
		STANDARD INDUSTRIAL CLASSIFICATION:	COMMERCIAL BANKS, NEC [6029]
		ORGANIZATION NAME:           	02 Finance
		EIN:				000000000
		FISCAL YEAR END:			1031

	FILING VALUES:
		FORM TYPE:		FWP

	BUSINESS ADDRESS:	
		STREET 1:		81 BAY STREET
		STREET 2:		CIBC SQUARE
		CITY:			TORONTO
		STATE:			A6
		ZIP:			M5J 0E7
		BUSINESS PHONE:		4169803096

	MAIL ADDRESS:	
		STREET 1:		81 BAY STREET
		STREET 2:		CIBC SQUARE
		CITY:			TORONTO
		STATE:			A6
		ZIP:			M5J 0E7
</SEC-HEADER>
<DOCUMENT>
<TYPE>FWP
<SEQUENCE>1
<FILENAME>tm2510993d22_fwp.htm
<DESCRIPTION>FWP
<TEXT>
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<P STYLE="margin: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse; font-family: Arial, Helvetica, Sans-Serif">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 32%; border: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; font-size: 7pt">&nbsp;</TD>
    <TD STYLE="width: 26%; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt">
    <P STYLE="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center; color: red"><B>Subject to Completion</B></P>
    <P STYLE="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center; color: red"><B>Preliminary Term Sheet </B></P>
    <P STYLE="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center; color: red"><B>dated April 11, 2025</B></P></TD>
    <TD STYLE="width: 42%; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt">
    <P STYLE="font: 7pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right"><B>Filed Pursuant to Rule 433<BR>
    Registration Statement No. 333-272447</B></P>
    <P STYLE="font: 7pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right"><B>(To Prospectus dated September 5, 2023,</B></P>
    <P STYLE="font: 7pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right"><B>Prospectus Supplement dated September 5, 2023 and<BR>
    Product Supplement EQUITY CYN-1 dated September 12, 2023)</B></P></TD></TR>
  </TABLE>

<P STYLE="margin: 0"></P>

<P STYLE="margin: 0"></P>

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  <TR STYLE="vertical-align: top; background-color: #1F497D">
    <TD COLSPAN="3" ROWSPAN="2" STYLE="padding-right: 5.4pt; padding-left: 9.9pt; font-size: 9pt"><FONT STYLE="color: white">&nbsp;&nbsp;&nbsp;&nbsp;Units<BR>
$10 principal amount per unit<BR>
CUSIP No.&nbsp;&nbsp;&nbsp;&nbsp;<BR>
<IMG SRC="tm2510993d22_fwpimg001.jpg" ALT=""></FONT></TD>
    <TD COLSPAN="2" STYLE="padding-right: 5.4pt; padding-left: 9.9pt; font-size: 9pt"><FONT STYLE="color: white">Pricing Date*<BR>
Settlement Date*<BR>
Maturity Date*</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; font-size: 9pt; text-align: right"><FONT STYLE="color: white">April&nbsp;&nbsp;, 2025<BR>
April&nbsp;&nbsp;, 2025<BR>
April&nbsp;&nbsp;, 2028</FONT></TD></TR>
  <TR STYLE="vertical-align: top; background-color: #1F497D">
    <TD COLSPAN="3" STYLE="padding-right: 5.4pt; padding-left: 9.9pt; font-size: 9pt"><P STYLE="margin-top: 0; margin-bottom: 0"><FONT STYLE="font-size: 7pt; color: white">*Subject to change based on the actual date the notes are priced for initial sale to the public (the &ldquo;pricing date&rdquo;)</FONT></P>
                                                                                <P STYLE="margin-top: 0; margin-bottom: 0"><FONT STYLE="font-size: 7pt; color: white">&nbsp;</FONT></P>
                                                                                <P STYLE="margin-top: 0; margin-bottom: 0"><FONT STYLE="font-size: 7pt; color: white">&nbsp;</FONT></P></TD></TR>
  <TR STYLE="font-size: 2pt; vertical-align: top">
    <TD STYLE="background-color: #046E87; padding-right: 5.4pt; padding-left: 9.9pt; font-size: 2pt">&nbsp;</TD>
    <TD STYLE="background-color: #C87D0E; padding-right: 5.4pt; padding-left: 5.4pt; font-size: 2pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="background-color: #5C255C; padding-right: 5.4pt; padding-left: 5.4pt; font-size: 2pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="background-color: #61961A; padding-right: 5.4pt; padding-left: 5.4pt; font-size: 2pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top; background-color: #1F497D">
    <TD COLSPAN="6" STYLE="padding-right: 5.4pt; padding-left: 9.9pt">
    <P STYLE="font: 20pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: white"><B>Autocallable Contingent Coupon (with Memory) Notes
    Linked to the Financial Select Sector SPDR<SUP>&reg;</SUP> Fund</B></P>
    <P STYLE="font: 5pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: White"><B>&nbsp;</B></P>
    <P STYLE="color: white; font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.25in; text-indent: -0.25in"><FONT STYLE="font-family: Wingdings">&sect;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 7pt">&nbsp;
    </FONT>&#8239;&#8239;&#8239;&#8239;Contingent Coupon Payments (with Memory) payable on the applicable Coupon Payment Date if the Observation Value of the Underlying
    Fund on the applicable quarterly Coupon Observation Date is greater than or equal to 80% of the Starting Value.</P>
    <P STYLE="font: 5pt Arial, Helvetica, Sans-Serif; color: White; margin: 0pt 0 0pt 0.25in; text-indent: -0.25in">&nbsp;</P>
    <P STYLE="color: white; font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.25in; text-indent: -0.25in"><FONT STYLE="font-family: Wingdings">&sect;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 7pt">&nbsp;
    </FONT>&#8239;&#8239;&#8239;&#8239;The Contingent Coupon Payment (with Memory) payable on any Coupon Payment Date will be calculated according to the following formula:
    (i) the <I>product </I>of the Contingent Coupon Payment (with Memory) applicable to a single Coupon Payment Date <I>times</I> the number
    of Coupon Payment Dates that have occurred up to the relevant Coupon Payment Date (inclusive of the relevant Coupon Payment Date) <I>minus</I>
    (ii) the <I>sum</I> of all Contingent Coupon Payments (with Memory) previously paid. The Contingent Coupon Payment (with Memory) applicable
    to a single Coupon Payment Date will be [$0.20 to $$0.25] per unit.</P>
    <P STYLE="font: 5pt Arial, Helvetica, Sans-Serif; color: White; margin: 0pt 0 0pt 0.25in; text-indent: -0.25in">&nbsp;</P>
    <P STYLE="color: white; font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.25in; text-indent: -0.25in"><FONT STYLE="font-family: Wingdings">&sect;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 7pt">&nbsp;
    </FONT>&#8239;&#8239;&#8239;&#8239;Automatically callable if the Observation Value of the Underlying Fund on any quarterly Call Observation Date, beginning approximately
    12 months after the pricing date, is at or above the Starting Value. If the notes are called, you will receive the principal amount of
    your notes <I>plus </I>the Contingent Coupon Payment (with Memory) otherwise due on the applicable Call Payment Date.</P>
    <P STYLE="font: 5pt Arial, Helvetica, Sans-Serif; color: White; margin: 0pt 0 0pt 0.25in; text-indent: -0.25in">&nbsp;</P>
    <P STYLE="color: white; font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.25in; text-indent: -0.25in"><FONT STYLE="font-family: Wingdings">&sect;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 7pt">&nbsp;
    </FONT>&#8239;&#8239;&#8239;&#8239;If not called on any of the Call Observation Dates, a maturity of approximately three years.</P>
    <P STYLE="font: 5pt Arial, Helvetica, Sans-Serif; color: White; margin: 0pt 0 0pt 0.25in; text-indent: -0.25in">&nbsp;</P>
    <P STYLE="color: white; font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.25in; text-indent: -0.25in"><FONT STYLE="font-family: Wingdings">&sect;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 7pt">&nbsp;
    </FONT>&#8239;&#8239;&#8239;&#8239;If not called, at maturity, if the value of the Underlying Fund has not decreased by more than 20%, a return of principal plus
    the final Contingent Coupon Payment (with Memory); otherwise, 1-to-1 downside exposure to decreases in the Underlying Fund, with up to
    100% of the principal amount at risk.</P>
    <P STYLE="font: 5pt Arial, Helvetica, Sans-Serif; color: White; margin: 0pt 0 0pt 0.25in; text-indent: -0.25in">&nbsp;</P>
    <P STYLE="color: white; font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.25in; text-indent: -0.25in"><FONT STYLE="font-family: Wingdings">&sect;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 7pt">&nbsp;
    </FONT>&#8239;&#8239;&#8239;&#8239;All payments are subject to the credit risk of Canadian Imperial Bank of Commerce</P>
    <P STYLE="font: 5pt Arial, Helvetica, Sans-Serif; color: White; margin: 0pt 0 0pt 0.25in; text-indent: -0.25in">&nbsp;</P>
    <P STYLE="color: white; font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.25in; text-indent: -0.25in"><FONT STYLE="font-family: Wingdings">&sect;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 7pt">&nbsp;
    </FONT>&#8239;&#8239;&#8239;&#8239;Limited secondary market liquidity, with no exchange listing</P>
    <P STYLE="font: 5pt Arial, Helvetica, Sans-Serif; color: White; margin: 0pt 0 0pt 0.25in; text-indent: -0.25in">&nbsp;</P>
    <P STYLE="color: white; font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.25in; text-indent: -0.25in"><FONT STYLE="font-family: Wingdings">&sect;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 7pt">&nbsp;
</FONT>&#8239;&#8239;&#8239;&#8239;The notes are unsecured debt securities and are not savings accounts or insured deposits of a bank.
The notes are not insured or guaranteed by the Canada Deposit Insurance Corporation, the U.S. Federal Deposit Insurance Corporation or
any other governmental agency of the United States, Canada, or any other jurisdiction</P>
    <P STYLE="font: 5pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.25in; color: White; text-indent: -0.25in">&nbsp;</P></TD></TR>
  <TR STYLE="font-size: 5pt">
    <TD STYLE="font-size: 5pt; width: 25%">&nbsp;</TD>
    <TD STYLE="font-size: 5pt; width: 25%">&nbsp;</TD>
    <TD STYLE="font-size: 5pt; width: 1%">&nbsp;</TD>
    <TD STYLE="font-size: 5pt; width: 23%">&nbsp;</TD>
    <TD STYLE="font-size: 5pt; width: 1%">&nbsp;</TD>
    <TD STYLE="font-size: 5pt; width: 25%">&nbsp;</TD></TR>
  </TABLE>
<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B>The notes are being issued by Canadian Imperial Bank of Commerce (&ldquo;CIBC&rdquo;).
There are important differences between the notes and a conventional debt security, including different investment risks and certain additional
costs. See &ldquo;Risk Factors&rdquo; and &ldquo;Additional Risk Factors&rdquo; beginning on page TS-6 of this term sheet and &ldquo;Risk
Factors&rdquo; beginning on page PS-9 of product supplement EQUITY CYN-1.</B></P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B>The initial estimated value of the notes as of the pricing date is
expected to be between $9.272 <FONT STYLE="background-color: white">and $</FONT>9.672 <FONT STYLE="background-color: white">per unit,
which is less than the public offering price listed below.</FONT></B> See &ldquo;Summary&rdquo; on the following page, &ldquo;Risk Factors&rdquo;
beginning on page TS-6 of this term sheet and &ldquo;Structuring the Notes&rdquo; on page TS-14 of this term sheet for additional information.
The actual value of your notes at any time will reflect many factors and cannot be predicted with accuracy.</P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"></P>

<!-- Field: Rule-Page --><DIV STYLE="margin: 3pt auto; width: 25%"><DIV STYLE="font-size: 1pt; border-top: Black 1pt solid">&nbsp;</DIV></DIV><!-- Field: /Rule-Page -->

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"></P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">None of the Securities and Exchange Commission (the &ldquo;SEC&rdquo;),
any state securities commission, or any other regulatory body has approved or disapproved of these securities or determined if this Note
Prospectus (as defined below) is truthful or complete. Any representation to the contrary is a criminal offense.</P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"></P>

<!-- Field: Rule-Page --><DIV STYLE="margin: 3pt auto; width: 25%"><DIV STYLE="font-size: 1pt; border-top: Black 1pt solid">&nbsp;</DIV></DIV><!-- Field: /Rule-Page -->

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"></P>

<TABLE CELLSPACING="0" CELLPADDING="0" ALIGN="CENTER" STYLE="font: 9pt Arial, Helvetica, Sans-Serif; width: 75%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 42%; padding-top: 0.5pt; padding-bottom: 0.5pt">&nbsp;</TD>
    <TD STYLE="width: 26%; padding-top: 0.5pt; padding-bottom: 0.5pt; text-align: center"><U>Per Unit</U></TD>
    <TD STYLE="width: 32%; padding-top: 0.5pt; padding-bottom: 0.5pt; text-align: center"><U>Total</U></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-top: 0.5pt; padding-bottom: 0.5pt">Public offering price</TD>
    <TD STYLE="padding-top: 0.5pt; padding-bottom: 0.5pt; text-align: center">$&nbsp;&nbsp;&nbsp;&nbsp;10.00</TD>
    <TD STYLE="padding-top: 0.5pt; padding-bottom: 0.5pt; text-align: center">$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-top: 0.5pt; padding-bottom: 0.5pt">Underwriting discount<SUP>(1)</SUP></TD>
    <TD STYLE="padding-top: 0.5pt; padding-bottom: 0.5pt; text-align: center">$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0.10</TD>
    <TD STYLE="padding-top: 0.5pt; padding-bottom: 0.5pt; text-align: center">$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-top: 0.5pt; padding-bottom: 0.5pt">&nbsp;</TD>
    <TD STYLE="padding-top: 0.5pt; padding-bottom: 0.5pt; text-align: center">$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0.05</TD>
    <TD STYLE="padding-top: 0.5pt; padding-bottom: 0.5pt; text-align: center">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-top: 0.5pt; padding-bottom: 0.5pt">Proceeds, before expenses, to CIBC</TD>
    <TD STYLE="padding-top: 0.5pt; padding-bottom: 0.5pt; text-align: center">$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;9.85</TD>
    <TD STYLE="padding-top: 0.5pt; padding-bottom: 0.5pt; text-align: center">$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD></TR>
  </TABLE>
<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 28.1pt 0pt 46.1pt">(1)&#8239;&#8239;The underwriting discount reflects a sales commission
of $0.10 per note and a structuring fee of $0.05 per note.<B>&nbsp;</B></P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 28.1pt 0pt 46.1pt"><B>&nbsp;</B></P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 28.1pt 0pt 28.35pt; text-align: center"><B>The notes:</B></P>

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  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 34%; border: Black 1pt solid; padding-top: 1pt; padding-bottom: 1pt; text-align: center"><B>Are Not FDIC Insured</B></TD>
    <TD STYLE="width: 33%; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-top: 1pt; padding-bottom: 1pt; text-align: center"><B>Are Not Bank Guaranteed</B></TD>
    <TD STYLE="width: 33%; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-top: 1pt; padding-bottom: 1pt; text-align: center"><B>May Lose Value</B></TD></TR>
  </TABLE>
<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 28.1pt 0pt 28.35pt; text-align: center">&nbsp;</P>

<P STYLE="font: bold 14pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><B>BofA Securities</B></P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">April , 2025</P>

<P STYLE="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 28.1pt 0pt 28.35pt; text-align: center"></P>

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<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 28.1pt 0pt 28.35pt; text-align: center">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse; font-family: Arial, Helvetica, Sans-Serif">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 81%; border-bottom: #5B862B 4.5pt solid; padding-right: 5.4pt; padding-left: 5.4pt; font-size: 9pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 16pt; color: #5b862b">Autocallable Contingent Coupon (with Memory) Notes<BR>
</FONT><FONT STYLE="color: #5b862b">Linked to the Financial Select Sector SPDR<SUP>&reg;</SUP> Fund, due April , 2028</FONT></TD>
    <TD STYLE="width: 19%; border-bottom: #5B862B 4.5pt solid; padding-right: 5.4pt; padding-left: 5.4pt">
    <P STYLE="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right; color: #5b862b">&nbsp;</P>
    <P STYLE="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right; color: #5b862b">&nbsp;</P></TD></TR>
  </TABLE>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 28.1pt 0pt 28.35pt; text-align: center">&nbsp;</P>




<P STYLE="color: #5B862B; font: 20pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Summary</P>

<P STYLE="font: 7.5pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">The Autocallable Contingent Coupon (with Memory) Notes Linked to the
Financial Select Sector SPDR<SUP>&reg;</SUP> Fund, due April , 2028 (the &ldquo;notes&rdquo;) are our senior unsecured debt securities.
The notes are not guaranteed or insured by the Canada Deposit Insurance Corporation, the U.S. Federal Deposit Insurance Corporation or
any other governmental agency of the United States, Canada or any other jurisdiction or secured by collateral. The notes are not bail-inable
debt securities (as defined on page 6 of the prospectus). <B>The notes will rank equally with all of our other unsecured and unsubordinated
debt. Any payments due on the </B>notes, including any repayment of principal, will be subject to the credit risk of CIBC. The notes will
pay a Contingent Coupon Payment (with Memory) on the applicable Coupon Payment Date if the Observation Value of the Market Measure, which
is the Financial Select Sector SPDR&reg; Fund (the &ldquo;Underlying Fund&rdquo;), on the applicable quarterly Coupon Observation Date
is greater than or equal to the Coupon Barrier. The notes will be automatically called at an amount equal to the Call Payment if the Observation
Value of the Market Measure on any Call Observation Date is equal to or greater than its Call Value. You will not receive any notice from
us if the notes are automatically called. If your notes are not called, at maturity, if the Ending Value of the Market Measure is greater
than or equal to the Threshold Value, you will receive the principal amount plus the final Contingent Coupon Payment (with Memory); otherwise,
you are subject to 1-to-1 downside exposure to decreases in the Market Measure, with up to 100% of the principal amount at risk. All payments
on the notes will be calculated based on the $10 principal amount per unit and will depend on the performance of the Underlying Fund,
subject to our credit risk. See &ldquo;Terms of the Notes&rdquo; below.</P>

<P STYLE="font: 5pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 7.5pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">The economic terms of the notes (including the Contingent Coupon Payment
(with Memory)) are based on our internal funding rate, which is the rate we would pay to borrow funds through the issuance of market-linked
notes, and the economic terms of certain related hedging arrangements. Our internal funding rate is typically lower than the rate we would
pay when we issue conventional fixed rate debt securities. This difference in funding rate, as well as the underwriting discount and costs
associated with hedging the notes and certain service fees described below, will reduce the economic terms of the notes to you and the
initial estimated value of the notes on the pricing date. Due to these factors, the public offering price you pay to purchase the notes
will be greater than the initial estimated value of the notes.</P>

<P STYLE="font: 5pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 7.5pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">On the cover page of this term sheet, we have provided the initial
estimated value range for the notes. This initial estimated value range was determined based on our pricing models. The initial estimated
value as of the pricing date will be based on our internal funding rate on the pricing date, market conditions and other relevant factors
existing at that time, and our assumptions about market parameters. For more information about the initial estimated value and the structuring
of the notes, see &ldquo;Structuring the Notes&rdquo; on page TS-14.</P>

<P STYLE="font: 5pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse; font-family: Arial, Helvetica, Sans-Serif">
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="2" STYLE="padding-right: 5.4pt; padding-left: 5.4pt; font-size: 18pt; color: #5B862B"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 20pt; color: #5b862b">Terms of the Notes</FONT></TD>
    </TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="background-color: #F2F2F2; padding-right: 5.4pt; padding-left: 5.4pt; color: #5B8F22; font-weight: bold; width: 20%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 7.5pt; color: #5b8f22"><B>Issuer:</B></FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; width: 80%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 7.5pt">Canadian Imperial Bank of Commerce (&ldquo;CIBC&rdquo;)</FONT></TD>
    </TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="background-color: #F2F2F2; padding-right: 5.4pt; padding-left: 5.4pt; color: #5B8F22; font-weight: bold"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 7.5pt; color: #5b8f22"><B>Principal Amount:</B></FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 7.5pt">$10.00 per unit</FONT></TD>
    </TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="background-color: #F2F2F2; padding-right: 5.4pt; padding-left: 5.4pt; color: #5B8F22; font-weight: bold"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 7.5pt; color: #5b8f22"><B>Term:</B></FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 7.5pt">Approximately three years, if not called </FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="background-color: #F2F2F2; padding-right: 5.4pt; padding-left: 5.4pt; color: #5B8F22; font-weight: bold"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 7.5pt; color: #5b8f22"><B>Market Measure:</B></FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 7.5pt">The Financial Select Sector SPDR<SUP>&reg;</SUP> Fund (Bloomberg symbol: &ldquo;XLF&rdquo;)</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="background-color: #F2F2F2; padding-right: 5.4pt; padding-left: 5.4pt; color: #5B8F22; font-weight: bold"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 7.5pt; color: #5b8f22"><B>Call Feature:</B></FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 7.5pt">Autocallable Notes</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="background-color: #F2F2F2; padding-right: 5.4pt; padding-left: 5.4pt; color: #5B8F22; font-weight: bold"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 7.5pt; color: #5b8f22"><B>Coupon Feature:</B></FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 7.5pt">Contingent Coupon Payments (with Memory)</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="background-color: #F2F2F2; padding-right: 5.4pt; padding-left: 5.4pt; color: #5B8F22; font-weight: bold"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 7.5pt; color: #5b8f22"><B>Barrier:</B></FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 7.5pt">Applicable</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="background-color: #F2F2F2; padding-right: 5.4pt; padding-left: 5.4pt; color: #5B8F22; font-weight: bold"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 7.5pt; color: #5b8f22"><B>Coupon Barrier:</B></FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 7.5pt">80% of the Starting Value</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="background-color: #F2F2F2; padding-right: 5.4pt; padding-left: 5.4pt; color: #5B8F22; font-weight: bold"><FONT STYLE="font-size: 7.5pt">Threshold
    Value:</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 7.5pt">80% of the Starting Value</FONT></TD>
    </TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="background-color: #F2F2F2; padding-right: 5.4pt; padding-left: 5.4pt; color: #5B8F22; font-weight: bold"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 7.5pt; color: #5b8f22"><B>Call Value:</B></FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 7.5pt">100% of the Starting Value</FONT></TD>
    </TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="background-color: #F2F2F2; padding-right: 5.4pt; padding-left: 5.4pt; color: #5B8F22; font-weight: bold"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 7.5pt; color: #5b8f22"><B>Contingent Coupon Payments (with Memory):</B></FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 7.5pt">The notes will pay a Contingent Coupon Payment (with Memory) on the applicable Coupon Payment Date if the Observation Value of the Market Measure on the applicable quarterly Coupon Observation Date is greater than or equal to the Coupon Barrier. The Contingent Coupon Payment (with Memory) payable on any Coupon Payment Date will be calculated according to the following formula: (i) the <I>product </I>of the Contingent Coupon Payment (with Memory) applicable to a single Coupon Payment Date <I>times</I> the number of Coupon Payment Dates that have occurred up to the relevant Coupon Payment Date (inclusive of the relevant Coupon Payment Date) <I>minus</I> (ii) the <I>sum</I> of all Contingent Coupon Payments (with Memory) previously paid. The Contingent Coupon Payment (with Memory) applicable to a single Coupon Payment Date will be [$0.20 to $$0.25] per unit.</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="background-color: #F2F2F2; padding-right: 5.4pt; padding-left: 5.4pt; color: #5B8F22; font-weight: bold"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 7.5pt; color: #5b8f22"><B>Call Payment:</B></FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 7.5pt">The principal amount <I>plus </I>the Contingent Coupon Payment (with Memory) otherwise due on the applicable Call Payment Date.</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="background-color: #F2F2F2; padding-right: 5.4pt; padding-left: 5.4pt; color: #5B8F22; font-weight: bold"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 7.5pt; color: #5b8f22"><B>Starting Value:</B></FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 7.5pt">The Closing Market Price of the Underlying Fund on the pricing date.</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="background-color: #F2F2F2; padding-right: 5.4pt; padding-left: 5.4pt; color: #5B8F22; font-weight: bold"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 7.5pt; color: #5b8f22"><B>Ending Value:</B></FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 7.5pt">The Closing Market Price of the Underlying Fund on the </FONT><FONT STYLE="font-size: 7.5pt">Final Valuation Date multiplied by the Price Multiplier on that day. The scheduled Final Valuation Date is subject to postponement in the event of Market Disruption Events or non-trading day, as described beginning on page PS-31 of product supplement EQUITY CYN-1.</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="background-color: #F2F2F2; padding-right: 5.4pt; padding-left: 5.4pt; color: #5B8F22; font-weight: bold"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 7.5pt; color: #5b8f22"><B>Observation Value:</B></FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 7.5pt">The Closing Market Price of the Underlying Fund on the relevant Coupon Observation Date or Call Observation Date</FONT> <FONT STYLE="font-size: 7.5pt">multiplied by the Price Multiplier on that day.</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="background-color: #F2F2F2; padding-right: 5.4pt; padding-left: 5.4pt; color: #5B8F22; font-weight: bold"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 7.5pt; color: #5b8f22"><B>Coupon Observation Dates:</B></FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 7.5pt">Quarterly. On or about July&nbsp;&nbsp;, 2025, October&nbsp;&nbsp;, 2025, January&nbsp;&nbsp;, 2026, April&nbsp;&nbsp;, 2026, July&nbsp;&nbsp;, 2026, October&nbsp;&nbsp;, 2026, January&nbsp;&nbsp;, 2027, April&nbsp;&nbsp;, 2027, July&nbsp;&nbsp;, 2027, October&nbsp;&nbsp;, 2027, January&nbsp;&nbsp;, 2028 and April&nbsp;&nbsp;, 2028 (the final Coupon Observation Date). The scheduled Coupon Observation Dates are subject to postponement in the event of Market Disruption Events</FONT> <FONT STYLE="font-size: 7.5pt">or non-trading day, as described on page PS-31 of product supplement EQUITY CYN-1.</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="background-color: #F2F2F2; padding-right: 5.4pt; padding-left: 5.4pt; color: #5B8F22; font-weight: bold"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 7.5pt; color: #5b8f22"><B>Call Observation Dates:</B></FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 7.5pt">The Coupon Observation Dates beginning on April&nbsp;&nbsp;, 2026 and ending on January&nbsp;&nbsp;, 2028.</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="background-color: #F2F2F2; padding-right: 5.4pt; padding-left: 5.4pt; color: #5B8F22; font-weight: bold"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 7.5pt; color: #5b8f22"><B>Final Valuation Date / Maturity Valuation Period:</B></FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 7.5pt">The final Coupon Observation Date</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="background-color: #F2F2F2; padding-right: 5.4pt; padding-left: 5.4pt; color: #5B8F22; font-weight: bold"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 7.5pt; color: #5b8f22"><B>Coupon Payment Dates:</B></FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 7.5pt">Approximately the fifth business day following the applicable Coupon Observation Date, subject to postponement as described on page PS-28 of product supplement EQUITY CYN-1; provided however, that the Coupon Payment Date related to the final Coupon Observation Date will be the maturity date.</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="background-color: #F2F2F2; padding-right: 5.4pt; padding-left: 5.4pt; color: #5B8F22; font-weight: bold"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 7.5pt; color: #5b8f22"><B>Call Payment Dates:</B></FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 7.5pt">The relevant Coupon Payment Date</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="background-color: #F2F2F2; padding-right: 5.4pt; padding-left: 5.4pt; color: #5B8F22; font-weight: bold"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 7.5pt; color: #5b8f22"><B>Price Multiplier:</B></FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 7.5pt">1, subject to adjustment for certain corporate events relating to the Underlying Fund described beginning on page PS-35 of product supplement EQUITY CYN-1.</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="background-color: #F2F2F2; padding-right: 5.4pt; padding-left: 5.4pt; color: #5B8F22; font-weight: bold"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 7.5pt; color: #5b8f22"><B>Calculation Agent:</B></FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 7.5pt">CIBC</FONT></TD></TR>
  </TABLE>

<P STYLE="font: 5pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"></P>




<P STYLE="font: 8pt Arial, Helvetica, Sans-Serif; color: rgb(91,134,43); margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: rgb(91,134,43)"></P>

<!-- Field: Page; Sequence: 2; Options: NewSection; Value: 2 -->
    <DIV STYLE="margin-top: 12pt; margin-bottom: 6pt"><TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse; font-family: Arial, Helvetica, Sans-Serif"><TR STYLE="vertical-align: top"><TD STYLE="width: 92%; border-top: green 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; font-size: 8pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt; color: #5b862b">Autocallable Contingent Coupon (with Memory) Notes</FONT></TD><TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; width: 8%; border-top: green 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt; color: #5b862b">TS-</FONT><FONT STYLE="color: #5b862b"><!-- Field: Sequence; Type: Arabic; Name: PageNo -->2<!-- Field: /Sequence --></FONT></TD></TR></TABLE></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: rgb(91,134,43)">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse; font-family: Arial, Helvetica, Sans-Serif">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 81%; border-bottom: #5B862B 4.5pt solid; padding-right: 5.4pt; padding-left: 5.4pt; font-size: 9pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 16pt; color: #5b862b">Autocallable Contingent Coupon (with Memory) Notes<BR>
</FONT><FONT STYLE="color: #5b862b">Linked to the Financial Select Sector SPDR<SUP>&reg;</SUP> Fund, due April , 2028</FONT></TD>
    <TD STYLE="width: 19%; border-bottom: #5B862B 4.5pt solid; padding-right: 5.4pt; padding-left: 5.4pt">
    <P STYLE="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right; color: #5b862b">&nbsp;</P>
    <P STYLE="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right; color: #5b862b">&nbsp;</P></TD></TR>
  </TABLE>
<P STYLE="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: rgb(91,134,43)">&nbsp;</P>

<P STYLE="font: 20pt Arial, Helvetica, Sans-Serif; color: #5B862B; margin: 0pt 0">Determining Payments on the Notes</P>

<P STYLE="font: 5pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="color: #5B862B; font: bold 12pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Contingent Coupon Payments (with Memory)</P>

<P STYLE="font: 5pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-weight: normal">The notes will pay a Contingent Coupon
Payment (with Memory) on the applicable Coupon Payment Date if the Observation Value of the Market Measure on the applicable quarterly
Coupon Observation Date is greater than or equal to the Coupon Barrier.</FONT></P>

<P STYLE="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-weight: normal">&nbsp;</FONT></P>

<P STYLE="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><IMG SRC="tm2510993d22_fwpimg002.jpg" ALT=""></P>

<P STYLE="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"></P>

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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse; font-family: Arial, Helvetica, Sans-Serif">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 81%; border-bottom: #5B862B 4.5pt solid; padding-right: 5.4pt; padding-left: 5.4pt; font-size: 9pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 16pt; color: #5b862b">Autocallable Contingent Coupon (with Memory) Notes<BR>
</FONT><FONT STYLE="color: #5b862b">Linked to the Financial Select Sector SPDR<SUP>&reg;</SUP> Fund, due April , 2028</FONT></TD>
    <TD STYLE="width: 19%; border-bottom: #5B862B 4.5pt solid; padding-right: 5.4pt; padding-left: 5.4pt">
    <P STYLE="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right; color: #5b862b">&nbsp;</P>
    <P STYLE="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right; color: #5b862b">&nbsp;</P></TD></TR>
  </TABLE>
<P STYLE="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>




<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">The terms and risks of the notes are contained in this term sheet and
in the following:</P>

<P STYLE="font: 5pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 9pt Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="font-size: 9pt; vertical-align: top">
<TD STYLE="font-size: 9pt; width: 0.25in"><FONT STYLE="font-family: Wingdings; font-size: 9pt; color: #5B8F22">&sect;</FONT></TD><TD STYLE="font-size: 9pt"><FONT STYLE="font-size: 9pt">Product
                                            supplement EQUITY CYN-1 dated September 12, 2023:</FONT></TD></TR><TR STYLE="font-size: 9pt; vertical-align: top">
<TD STYLE="font-size: 9pt"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD><TD STYLE="font-size: 9pt"><A HREF="https://www.sec.gov/Archives/edgar/data/1045520/000110465923100375/tm2325339d54_424b5.htm" STYLE="-sec-extract: exhibit"><FONT STYLE="font-size: 9pt">https://www.sec.gov/Archives/edgar/data/1045520/000110465923100375/tm2325339d54_424b5.htm</FONT></A></TD></TR>
                                                                                                                                                                                                                                      <TR STYLE="font-size: 5pt; vertical-align: top">
<TD STYLE="font-size: 5pt"><FONT STYLE="font-size: 5pt">&nbsp;</FONT></TD><TD STYLE="font-size: 5pt"><FONT STYLE="font-size: 5pt">&nbsp;</FONT></TD></TR>
                                                                                                                                                                                                                                      <TR STYLE="font-size: 9pt; vertical-align: top">
<TD STYLE="font-size: 9pt"><FONT STYLE="font-family: Wingdings; font-size: 9pt; color: #5B8F22">&sect;</FONT></TD><TD STYLE="font-size: 9pt"><FONT STYLE="font-size: 9pt">Prospectus
                                            supplement dated September 5, 2023:</FONT></TD></TR>
                                                                                                                                                                                                                                      <TR STYLE="font-size: 9pt; vertical-align: top">
<TD STYLE="font-size: 9pt"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD><TD STYLE="font-size: 9pt"><A HREF="https://www.sec.gov/Archives/edgar/data/1045520/000110465923098166/tm2322483d94_424b5.htm" STYLE="-sec-extract: exhibit"><FONT STYLE="font-size: 9pt">https://www.sec.gov/Archives/edgar/data/1045520/000110465923098166/tm2322483d94_424b5.htm</FONT></A></TD></TR>
                                                                                                                                                                                                                                      <TR STYLE="font-size: 5pt; vertical-align: top">
<TD STYLE="font-size: 5pt"><FONT STYLE="font-size: 5pt">&nbsp;</FONT></TD><TD STYLE="font-size: 5pt"><FONT STYLE="font-size: 5pt">&nbsp;</FONT></TD></TR>
                                                                                                                                                                                                                                      <TR STYLE="font-size: 9pt; vertical-align: top">
<TD STYLE="font-size: 9pt"><FONT STYLE="font-family: Wingdings; font-size: 9pt; color: #5B8F22">&sect;</FONT></TD><TD STYLE="font-size: 9pt"><FONT STYLE="font-size: 9pt">Prospectus
                                            dated September 5, 2023:</FONT></TD></TR>
                                                                                                                                                                                                                                      <TR STYLE="font-size: 9pt; vertical-align: top">
<TD STYLE="font-size: 9pt"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD><TD STYLE="font-size: 9pt"><A HREF="https://www.sec.gov/Archives/edgar/data/1045520/000110465923098163/tm2325339d10_424b3.htm" STYLE="-sec-extract: exhibit"><FONT STYLE="font-size: 9pt">https://www.sec.gov/Archives/edgar/data/1045520/000110465923098163/tm2325339d10_424b3.htm</FONT></A></TD></TR>
                                                                                                                                                                                                                                      </TABLE>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.25in; text-indent: 0in"></P>

<P STYLE="font: 5pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.25in; text-indent: -0.25in">&nbsp;</P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">These documents (together, the &ldquo;Note Prospectus&rdquo;) have been
filed as part of a registration statement with the SEC, which may, without cost, be accessed on the SEC website as indicated above or
obtained from Merrill Lynch, Pierce, Fenner &amp; Smith Incorporated (&ldquo;MLPF&amp;S&rdquo;) or BofAS by calling 1-800-294-1322. Before
you invest, you should read the Note Prospectus, including this term sheet, for information about us and this offering. Any prior or contemporaneous
oral statements and any other written materials you may have received are superseded by the Note Prospectus. Capitalized terms used but
not defined in this term sheet have the meanings set forth in product supplement EQUITY CYN-1. Unless otherwise indicated or unless the
context requires otherwise, all references in this document to &ldquo;we,&rdquo; &ldquo;us,&rdquo; &ldquo;our,&rdquo; or similar references
are to CIBC.</P>

<P STYLE="font: 5pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="color: #5B862B; font: 20pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Investor Considerations</P>

<P STYLE="font: 5pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse; font-family: Arial, Helvetica, Sans-Serif">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 50%; padding-right: 5.4pt; padding-left: 5.4pt; font-size: 9pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>You may wish to consider an investment in the notes if:</B></FONT></TD>
    <TD STYLE="width: 50%; padding-right: 5.4pt; padding-left: 5.4pt; font-size: 9pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>The notes may not be an appropriate investment for you if:</B></FONT></TD></TR>
  <TR STYLE="font-size: 5pt; vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; font-size: 5pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; font-size: 5pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">
    <P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.25in; text-indent: -0.25in"><FONT STYLE="font-family: Wingdings; font-size: 9pt; color: #5b8f22">&sect;</FONT><FONT STYLE="color: #5b8f22"></FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;You
    anticipate that the Observation Value of the Market Measure will be greater than or equal to its Coupon Barrier on most or all of the Coupon
    Observation Dates, especially close to the end of the term of the notes.</P>
    <P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.25in; text-indent: -0.25in">&nbsp;</P>
    <P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.25in; text-indent: -0.25in"><FONT STYLE="font-family: Wingdings; font-size: 9pt; color: #5b8f22">&sect;</FONT><FONT STYLE="color: #5b8f22"></FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;You
    anticipate that the notes will be automatically called, in which case you accept an early exit from your investment, or that the Market
    Measure will not decrease from the Starting Value to an Ending Value that is below the Threshold Value.</P>
    <P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.25in; text-indent: -0.25in">&nbsp;</P>
    <P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.25in; text-indent: -0.25in"><FONT STYLE="font-family: Wingdings; font-size: 9pt; color: #5b8f22">&sect;</FONT><FONT STYLE="color: #5b8f22"></FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;You
    accept that the return on the notes will be limited to the return represented by the Contingent Coupon Payments (with Memory) even if
    the percentage change in the value of the Market Measure is significantly greater than such return.</P>
    <P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.25in; text-indent: -0.25in">&nbsp;</P>
    <P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.25in; text-indent: -0.25in"><FONT STYLE="font-family: Wingdings; font-size: 9pt; color: #5b8f22">&sect;</FONT><FONT STYLE="color: #5b8f22"></FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;You
    are willing to lose up to 100% of the principal amount if the notes are not called and the Ending Value is less than the Threshold Value.</P>
    <P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.25in; text-indent: -0.25in">&nbsp;</P>
    <P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.25in; text-indent: -0.25in"><FONT STYLE="font-family: Wingdings; font-size: 9pt; color: #5b8f22">&sect;</FONT><FONT STYLE="color: #5b8f22"></FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;You
    are willing to forgo dividends or other benefits of owning shares of the Underlying Fund or the securities held by the Underlying Fund.</P>
    <P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.25in; text-indent: -0.25in">&nbsp;</P>
    <P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.25in; text-indent: -0.25in"><FONT STYLE="font-family: Wingdings; font-size: 9pt; color: #5b8f22">&sect;</FONT><FONT STYLE="color: #5b8f22"></FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;You
    are willing to accept a limited or no market for sales prior to maturity, and understand that the market prices for the notes, if any,
    will be affected by various factors, including our actual and perceived creditworthiness, our internal funding rate and fees and charges
    on the notes.</P>
    <P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.25in; text-indent: -0.25in">&nbsp;</P>
    <P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.25in; text-indent: -0.25in"><FONT STYLE="font-family: Wingdings; font-size: 9pt; color: #5b8f22">&sect;</FONT><FONT STYLE="color: #5b8f22"></FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;You
    are willing to assume our credit risk, as issuer of the notes, for all payments under the notes, including the Contingent Coupon Payments
    (with Memory) and the Call Payment or the Redemption Amount.</P></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">
    <P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in"><FONT STYLE="font-family: Wingdings; font-size: 9pt; color: #5b8f22">&sect;</FONT><FONT STYLE="color: #5b8f22"></FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;You
    anticipate that the Observation Value of the Market Measure will be less than its Coupon Barrier on most or all of the Coupon Observation
    Date, especially close to the end of the term of the notes.</P>
    <P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in">&nbsp;</P>
    <P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in"><FONT STYLE="font-family: Wingdings; font-size: 9pt; color: #5b8f22">&sect;</FONT><FONT STYLE="color: #5b8f22"></FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;You
    want to hold your notes for the full term.</P>
    <P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in">&nbsp;</P>
    <P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in"><FONT STYLE="font-family: Wingdings; font-size: 9pt; color: #5b8f22">&sect;</FONT><FONT STYLE="color: #5b8f22"></FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;You
    seek an uncapped return on your investment or seek participation in the Market Measure.</P>
    <P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in">&nbsp;</P>
    <P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in"><FONT STYLE="font-family: Wingdings; font-size: 9pt; color: #5b8f22">&sect;</FONT><FONT STYLE="color: #5b8f22"></FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;You
    believe that the notes will not be automatically called and the Ending Value will be below the Threshold Value.</P>
    <P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in">&nbsp;</P>
    <P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in"><FONT STYLE="font-family: Wingdings; font-size: 9pt; color: #5b8f22">&sect;</FONT><FONT STYLE="color: #5b8f22"></FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;You
    seek 100% principal repayment or preservation of capital.</P>
    <P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in">&nbsp;</P>
    <P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in"><FONT STYLE="font-family: Wingdings; font-size: 9pt; color: #5b8f22">&sect;</FONT><FONT STYLE="color: #5b8f22"></FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;You
    want to receive dividends or other distributions paid on shares of the Underlying Fund or the securities held by the Underlying Fund.</P>
    <P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in">&nbsp;</P>
    <P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in"><FONT STYLE="font-family: Wingdings; font-size: 9pt; color: #5b8f22">&sect;</FONT><FONT STYLE="color: #5b8f22"></FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;You
    seek an investment for which there will be a liquid secondary market.</P>
    <P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in">&nbsp;</P>
    <P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in"><FONT STYLE="font-family: Wingdings; font-size: 9pt; color: #5b8f22">&sect;</FONT><FONT STYLE="color: #5b8f22"></FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;You
    are unwilling or are unable to take market risk on the notes or to take our credit risk as issuer of the notes.</P></TD></TR>
  </TABLE>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">We urge you to consult your investment, legal, tax, accounting, and other
advisors before you invest in the notes.</P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<!-- Field: Page; Sequence: 4; Value: 2 -->
    <DIV STYLE="margin-top: 12pt; margin-bottom: 6pt"><TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse; font-family: Arial, Helvetica, Sans-Serif"><TR STYLE="vertical-align: top"><TD STYLE="width: 92%; border-top: green 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; font-size: 8pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt; color: #5b862b">Autocallable Contingent Coupon (with Memory) Notes</FONT></TD><TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; width: 8%; border-top: green 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt; color: #5b862b">TS-</FONT><FONT STYLE="color: #5b862b"><!-- Field: Sequence; Type: Arabic; Name: PageNo -->4<!-- Field: /Sequence --></FONT></TD></TR></TABLE></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse; font-family: Arial, Helvetica, Sans-Serif">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 81%; border-bottom: #5B862B 4.5pt solid; padding-right: 5.4pt; padding-left: 5.4pt; font-size: 9pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 16pt; color: #5b862b">Autocallable Contingent Coupon (with Memory) Notes<BR>
</FONT><FONT STYLE="color: #5b862b">Linked to the Financial Select Sector SPDR<SUP>&reg;</SUP> Fund, due April , 2028</FONT></TD>
    <TD STYLE="width: 19%; border-bottom: #5B862B 4.5pt solid; padding-right: 5.4pt; padding-left: 5.4pt">
    <P STYLE="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right; color: #5b862b">&nbsp;</P>
    <P STYLE="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right; color: #5b862b">&nbsp;</P></TD></TR>
  </TABLE>
<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>




<P STYLE="color: #5B862B; font: 20pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Examples of Hypothetical Payments</P>

<P STYLE="font: 4pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">The following examples are for purposes of illustration only. They are
based on <B>hypothetical</B> values and show <B>hypothetical</B> returns on the notes. They illustrate the calculation of the Contingent
Coupon Payment (with Memory), the Call Payment or the Redemption Amount, as applicable, based on the hypothetical terms set forth below.
<B>The actual amount you receive and the resulting return will depend on the actual Starting Value, Call Value, Coupon Barrier, Threshold
Value, Contingent Coupon Payments (with Memory), Observation Values, Ending Value and term of your investment.</B> The following examples
do not take into account any tax consequences from investing in the notes. These examples are based on:</P>

<P STYLE="font: 4pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 27pt">1)</TD><TD>a hypothetical Starting Value of 100.00;</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 27pt">2)</TD><TD>a hypothetical Call Value of 100.00;</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 27pt">3)</TD><TD>a hypothetical Coupon Barrier of 80.00;</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 27pt">4)</TD><TD>a hypothetical Threshold Value of 80.00;</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 27pt">5)</TD><TD>an expected term of the notes of approximately three years, if the notes are not called on any Call Observation Date;</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 27pt">6)</TD><TD>a hypothetical Contingent Coupon Payment (with Memory) applicable to a single Coupon Payment Date of $0.225 per unit (the mid-point
of the Contingent Coupon Payment (with Memory) range);</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 27pt">7)</TD><TD>the Coupon Observation Dates occurring quarterly during the term of the notes; and</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 27pt">8)</TD><TD>the Call Observation Dates occurring quarterly beginning approximately 12 months after the pricing date.</TD></TR></TABLE>

<P STYLE="font: 4pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B>Example 1</B> - The Observation Value of the Market Measure on the
first Coupon Observation Date is 50.00. Therefore, no Contingent Coupon Payment (with Memory) will be paid on the first Coupon Payment
Date, and the notes are not subject to automatic call on that day.</P>

<P STYLE="font: 4pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B>Example 2</B> - The Observation Value of the Market Measure on each
of the first three Coupon Observation Dates is below the Coupon Barrier. Therefore, no Contingent Coupon Payments (with Memory) are paid
on the first three Coupon Payment Dates. The Observation Value of the Market Measure on the fourth Coupon Observation Date (which is also
the first Call Observation Date) is 105.00. Therefore, the notes will be called at $10.00 plus the Contingent Coupon Payment (with Memory)
otherwise due on the applicable Call Payment Date, calculated as follows:</P>

<P STYLE="font: 4pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in">the <I>product </I>of the Contingent Coupon Payment (with Memory)
applicable to a single Coupon Payment Date <I>times</I> the number of Coupon Payment Dates that have occurred up to the relevant Coupon
Payment Date (inclusive of the relevant Coupon Payment Date) <I>minus</I> (ii) the <I>sum</I> of all Contingent Coupon Payments (with
Memory) previously paid.</P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in">= (i) $0.225 x 4 <I>- </I>(ii) $0.00 = $0.90</P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Call Payment on the first Call Payment Date = $10.90 per unit.</P>

<P STYLE="font: 4pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B>Example 3</B> - The Observation Value of the Market Measure on each of the first three
Coupon Observation Dates is below the Coupon Barrier. Therefore, no Contingent Coupon Payments (with Memory) are paid on the first three
Coupon Payment Dates. The Observation Value of the Market Measure on the fourth Coupon Observation Date (which is also the first Call
Observation Date) is above the Coupon Barrier but below the Call Value. Therefore, a Contingent Coupon Payment (with Memory) of $0.90
($0.225 x 4 - $0) is paid and the notes are not called. The Observation Value of the Market Measure on the fifth Coupon Observation Date
(which is also the second Call Observation Date) is 95.00. Therefore, the notes will not be called on that day but a Contingent Coupon
Payment (with Memory) will be payable on the applicable Coupon Payment Date, calculated as follows:</P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in">the <I>product </I>of the Contingent Coupon Payment (with Memory)
applicable to a single Coupon Payment Date <I>times</I> the number of Coupon Payment Dates that have occurred up to the relevant Coupon
Payment Date (inclusive of the relevant Coupon Payment Date) <I>minus</I> (ii) the <I>sum</I> of all Contingent Coupon Payments (with
Memory) previously paid.</P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in">= (i) $0.225 x 5 <I>- </I>(ii) $0.90 = $0.225</P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Contingent Coupon Payment (with Memory) payable on the fifth Coupon Payment
Date = $0.225 per unit.</P>

<P STYLE="font: 4pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B>Example 4</B> - <FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">The Observation Value of the Market Measure
on each of the first eleven Coupon Observation Dates is above the Coupon Barrier but below the Call Value. Therefore, the notes are not
called on any Call Observation Date but a Contingent Coupon Payment (with Memory) of $0.225 per unit is paid on each of the first eleven
Coupon Payment Dates. The Ending Value of the Market Measure is 85.00, which is greater than the Coupon Barrier and the Threshold Value.
Therefore, the Redemption Amount will equal $10.00 </FONT> plus the final Contingent Coupon Payment (with Memory) of $0.225 = $10.225
per unit.</P>

<P STYLE="font: 4pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B>Example 5</B> - The Observation Value of the Market Measure on each of the first eleven
Coupon Observation Dates is below the Coupon Barrier and the Call Value. Therefore, the notes are not called and no Contingent Coupon
Payment (with Memory) is paid on the first eleven Coupon Payment Dates. If the Ending Value of the Market Measure is less than the Coupon
Barrier and the Threshold Value, the Redemption Amount will be less, and possibly significantly less, than the principal amount and no
final Contingent Coupon Payment (with Memory) will be payable at maturity. For example, if the Ending Value of the Market Measure is 50.00,
the Redemption Amount per unit will be:</P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; text-align: center; margin-top: 0pt; margin-bottom: 0pt"><IMG SRC="tm2510993d22_fwpimg004.jpg" ALT=""></P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">For recent actual prices of the Underlying Fund, see &ldquo;The
Underlying Fund&rdquo; section below. In addition, all payments on the notes are subject to issuer credit risk.</P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0in">&nbsp;</P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0in"></P>

<!-- Field: Page; Sequence: 5; Value: 2 -->
    <DIV STYLE="margin-top: 12pt; margin-bottom: 6pt"><TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse; font-family: Arial, Helvetica, Sans-Serif"><TR STYLE="vertical-align: top"><TD STYLE="width: 92%; border-top: green 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; font-size: 8pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt; color: #5b862b">Autocallable Contingent Coupon (with Memory) Notes</FONT></TD><TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; width: 8%; border-top: green 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt; color: #5b862b">TS-</FONT><FONT STYLE="color: #5b862b"><!-- Field: Sequence; Type: Arabic; Name: PageNo -->5<!-- Field: /Sequence --></FONT></TD></TR></TABLE></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0in">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse; font-family: Arial, Helvetica, Sans-Serif">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 81%; border-bottom: #5B862B 4.5pt solid; padding-right: 5.4pt; padding-left: 5.4pt; font-size: 9pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 16pt; color: #5b862b">Autocallable Contingent Coupon (with Memory) Notes<BR>
</FONT><FONT STYLE="color: #5b862b">Linked to the Financial Select Sector SPDR<SUP>&reg;</SUP> Fund, due April , 2028</FONT></TD>
    <TD STYLE="width: 19%; border-bottom: #5B862B 4.5pt solid; padding-right: 5.4pt; padding-left: 5.4pt">
    <P STYLE="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right; color: #5b862b">&nbsp;</P>
    <P STYLE="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right; color: #5b862b">&nbsp;</P></TD></TR>
  </TABLE>
<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0in">&nbsp;</P>




<P STYLE="color: #5B862B; font: 20pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Risk Factors</P>

<P STYLE="font: 5pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><I>There are important differences between the notes and a conventional
debt security. An investment in the notes involves significant risks, including those listed below. You should carefully review the more
detailed explanation of risks relating to the notes in the &ldquo;Risk Factors&rdquo; sections beginning on page PS-9 of product supplement
EQUITY CYN-1, page S-1 of the prospectus supplement, and page 1 of the prospectus identified above. We also urge you to consult your investment,
legal, tax, accounting, and other advisors before you invest in the notes.</I></P>

<P STYLE="font: 5pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><I>&nbsp;</I></P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B><U>Structure-related Risks</U></B></P>

<P STYLE="font: 5pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B>&nbsp;</B></P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="padding-bottom: 4pt; width: 17.45pt"></TD><TD STYLE="padding-bottom: 4pt; width: 18pt"><FONT STYLE="font-family: Wingdings; color: #5B862B">&sect;</FONT></TD><TD STYLE="padding-bottom: 4pt">Depending on the performance of the Underlying Fund as measured shortly before the maturity date, you may lose up to 100% of the principal
amount. You will not be able to participate in any increase in the Underlying Fund.</TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="padding-bottom: 4pt; width: 17.45pt"></TD><TD STYLE="padding-bottom: 4pt; width: 18pt"><FONT STYLE="font-family: Wingdings; color: #5B862B">&sect;</FONT></TD><TD STYLE="padding-bottom: 4pt">Your investment return is limited to the return represented by the Contingent Coupon Payments (with Memory) and may be less than a
comparable investment directly in the Underlying Fund or the securities held by the Underlying Fund.</TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="padding-bottom: 4pt; width: 17.45pt"></TD><TD STYLE="padding-bottom: 4pt; width: 18pt"><FONT STYLE="font-family: Wingdings; color: #5B862B">&sect;</FONT></TD><TD STYLE="padding-bottom: 4pt">You may not receive any Contingent Coupon Payments (with Memory).</TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="padding-bottom: 4pt; width: 17.45pt"></TD><TD STYLE="padding-bottom: 4pt; width: 18pt"><FONT STYLE="font-family: Wingdings; color: #5B862B">&sect;</FONT></TD><TD STYLE="padding-bottom: 4pt">If the notes are called, you will be subject to reinvestment risk, and your ability to receive Contingent Coupon Payments (with Memory)
over the term of the notes will be limited.</TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="padding-bottom: 4pt; width: 17.45pt"></TD><TD STYLE="padding-bottom: 4pt; width: 18pt"><FONT STYLE="font-family: Wingdings; color: #5B862B">&sect;</FONT></TD><TD STYLE="padding-bottom: 4pt">Your return on the notes may be less than the yield you could earn by owning a conventional fixed or floating rate debt security of
comparable maturity.</TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="width: 17.45pt"></TD><TD STYLE="width: 18pt"><FONT STYLE="font-family: Wingdings; color: #5B862B">&sect;</FONT></TD><TD>Payments on the notes are subject to our credit risk, and actual or perceived changes in our creditworthiness are expected to affect
the value of the notes. If we become insolvent or are unable to pay our obligations, you may lose your entire investment.</TD></TR></TABLE>

<P STYLE="font: 5pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0in">&nbsp;</P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0in"><B><U>Valuation- and Market-related Risks </U></B></P>

<P STYLE="font: 5pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="padding-bottom: 4pt; width: 0.25in"></TD><TD STYLE="padding-bottom: 4pt; width: 0.25in"><FONT STYLE="font-family: Wingdings; color: #76923C">&sect;</FONT></TD><TD STYLE="padding-bottom: 4pt">Our initial estimated value of the notes will be lower than the public offering price of the notes. The public offering price of the
notes will exceed our initial estimated value because costs associated with selling and structuring the notes, as well as hedging the
notes, all as further described in &ldquo;Structuring the Notes&rdquo; on page TS-14, are included in the public offering price of the
notes.</TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="padding-bottom: 4pt; width: 0.25in"></TD><TD STYLE="padding-bottom: 4pt; width: 0.25in"><FONT STYLE="font-family: Wingdings; color: #76923C">&sect;</FONT></TD><TD STYLE="padding-bottom: 4pt">Our initial estimated value does not represent future values of the notes and may differ from others&rsquo; estimates. Our initial
estimated value is only an estimate, which will be determined by reference to our internal pricing models when the terms of the notes
are set. This estimated value will be based on market conditions and other relevant factors existing at that time, our internal funding
rate on the pricing date and our assumptions about market parameters, which can include volatility, dividend rates, interest rates and
other factors. Different pricing models and assumptions could provide valuations for the notes that are greater or less than our initial
estimated value. In addition, market conditions and other relevant factors in the future may change, and any assumptions may prove to
be incorrect. On future dates, the market value of the notes could change significantly based on, among other things, changes in market
conditions, including the price of the Underlying Fund, our creditworthiness, interest rate movements and other relevant factors, which
may impact the price at which MLPF&amp;S, BofAS or any other party would be willing to buy notes from you in any secondary market transactions.
Our estimated value does not represent a minimum price at which MLPF&amp;S, BofAS or any other party would be willing to buy your notes
in any secondary market (if any exists) at any time.</TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="padding-bottom: 4pt; width: 0.25in"></TD><TD STYLE="padding-bottom: 4pt; width: 0.25in"><FONT STYLE="font-family: Wingdings; color: #76923C">&sect;</FONT></TD><TD STYLE="padding-bottom: 4pt">Our initial estimated value of the notes will not be determined by reference to credit spreads for our conventional fixed-rate debt.
The internal funding rate to be used in the determination of our initial estimated value of the notes generally represents a discount
from the credit spreads for our conventional fixed-rate debt. The discount is based on, among other things, our view of the funding value
of the notes as well as the higher issuance, operational and ongoing liability management costs of the notes in comparison to those costs
for our conventional fixed-rate debt. If we were to use the interest rate implied by our conventional fixed-rate debt, we would expect
the economic terms of the notes to be more favorable to you. Consequently, our use of an internal funding rate for market-linked notes
would have an adverse effect on the economic terms of the notes, the initial estimated value of the notes on the pricing date, and any
secondary market prices of the notes.</TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="width: 17.45pt"></TD><TD STYLE="width: 18pt"><FONT STYLE="font-family: Wingdings; color: #5B862B">&sect;</FONT></TD><TD>A trading market is not expected to develop for the notes. None of us, MLPF&amp;S or BofAS is obligated to make a market for, or to
repurchase, the notes. There is no assurance that any party will be willing to purchase your notes at any price in any secondary market.</TD></TR></TABLE>

<P STYLE="font: 5pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0in">&nbsp;</P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0in"><B><U>Conflict-related Risks </U></B></P>

<P STYLE="font: 5pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="padding-bottom: 4pt; width: 17.45pt"></TD><TD STYLE="padding-bottom: 4pt; width: 18pt"><FONT STYLE="font-family: Wingdings; color: #5B862B">&sect;</FONT></TD><TD STYLE="padding-bottom: 4pt">Our business, hedging and trading activities, and those of MLPF&amp;S, BofAS and our respective affiliates (including trades in shares
of the Underlying Fund or the securities held by the Underlying Fund), and any hedging and trading activities we, MLPF&amp;S, BofAS or
our respective affiliates engage in for our clients&rsquo; accounts, may affect the market value and return of the notes and may create
conflicts of interest with you.</TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="width: 17.45pt"></TD><TD STYLE="width: 18pt"><FONT STYLE="font-family: Wingdings; color: #5B862B">&sect;</FONT></TD><TD>There may be potential conflicts of interest involving the calculation agent, which is CIBC. We have the right to appoint and remove
the calculation agent.</TD></TR></TABLE>




<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<!-- Field: Page; Sequence: 6; Value: 2 -->
    <DIV STYLE="margin-top: 12pt; margin-bottom: 6pt"><TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse; font-family: Arial, Helvetica, Sans-Serif"><TR STYLE="vertical-align: top"><TD STYLE="width: 92%; border-top: green 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; font-size: 8pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt; color: #5b862b">Autocallable Contingent Coupon (with Memory) Notes</FONT></TD><TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; width: 8%; border-top: green 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt; color: #5b862b">TS-</FONT><FONT STYLE="color: #5b862b"><!-- Field: Sequence; Type: Arabic; Name: PageNo -->6<!-- Field: /Sequence --></FONT></TD></TR></TABLE></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse; font-family: Arial, Helvetica, Sans-Serif">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 81%; border-bottom: #5B862B 4.5pt solid; padding-right: 5.4pt; padding-left: 5.4pt; font-size: 9pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 16pt; color: #5b862b">Autocallable Contingent Coupon (with Memory) Notes<BR>
</FONT><FONT STYLE="color: #5b862b">Linked to the Financial Select Sector SPDR<SUP>&reg;</SUP> Fund, due April , 2028</FONT></TD>
    <TD STYLE="width: 19%; border-bottom: #5B862B 4.5pt solid; padding-right: 5.4pt; padding-left: 5.4pt">
    <P STYLE="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right; color: #5b862b">&nbsp;</P>
    <P STYLE="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right; color: #5b862b">&nbsp;</P></TD></TR>
  </TABLE>
<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B></B></P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0in"><B><U>Market Measure-related Risks </U></B></P>

<P STYLE="font: 5pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="padding-bottom: 4pt; width: 0.25in"></TD><TD STYLE="padding-bottom: 4pt; width: 0.25in"><FONT STYLE="font-family: Wingdings; color: #5B862B">&sect;</FONT></TD><TD STYLE="padding-bottom: 4pt">The sponsor and the investment advisor of the Underlying Fund or the sponsor of the Underlying Index may adjust the Underlying Fund
or the Underlying Index in a way that could adversely affect the price of the Underlying Fund and consequently, the return on the notes,
and they have no obligation to consider your interests.</TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="padding-bottom: 4pt; width: 17.45pt"></TD><TD STYLE="padding-bottom: 4pt; width: 18pt"><FONT STYLE="font-family: Wingdings; color: #5B862B">&sect;</FONT></TD><TD STYLE="padding-bottom: 4pt">As a noteholder, you will have no rights to receive shares of the Underlying Fund or the securities held by the Underlying Fund, and
you will not be entitled to receive securities, dividends or other distributions on those securities.</TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="padding-bottom: 4pt; width: 17.45pt"></TD><TD STYLE="padding-bottom: 4pt; width: 18pt"><FONT STYLE="font-family: Wingdings; color: #5B862B">&sect;</FONT></TD><TD STYLE="padding-bottom: 4pt">While we, MLPF&amp;S, BofAS or our respective affiliates may from time to time own securities of companies held by the Underlying
Fund, we, MLPF&amp;S, BofAS and our respective affiliates do not control any company held by the Underlying Fund, and have not verified
any disclosure made by any other company.</TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="padding-bottom: 4pt; width: 17.45pt"></TD><TD STYLE="padding-bottom: 4pt; width: 18pt"><FONT STYLE="font-family: Wingdings; color: #5B862B">&sect;</FONT></TD><TD STYLE="padding-bottom: 4pt">There are liquidity and management risks associated with the Underlying Fund.</TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="padding-bottom: 4pt; width: 17.45pt"></TD><TD STYLE="padding-bottom: 4pt; width: 18pt"><FONT STYLE="font-family: Wingdings; color: #5B862B">&sect;</FONT></TD><TD STYLE="padding-bottom: 4pt">The performance of the Underlying Fund may not correlate with the performance of its Underlying Index as well as the net asset value
per share of the Underlying Fund, especially during periods of market volatility when the liquidity and the market price of shares of
the Underlying Fund and/or securities held by the Underlying Fund may be adversely affected, sometimes materially.</TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="width: 17.45pt"></TD><TD STYLE="width: 18pt"><FONT STYLE="font-family: Wingdings; color: #5B862B">&sect;</FONT></TD><TD>The Observation Value or the Ending Value and other terms of the notes will not be adjusted for all corporate events that could affect
the Underlying Fund. See &ldquo;Description of the Notes&mdash;Anti-Dilution Adjustments&rdquo; beginning on page PS-35 of product supplement
EQUITY CYN-1.</TD></TR></TABLE>

<P STYLE="font: 5pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0in">&nbsp;</P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0in"><B><U>Tax-related Risks </U></B></P>

<P STYLE="font: 5pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Wingdings; color: #5B862B">&sect;</FONT></TD><TD STYLE="padding-bottom: 4pt">The U.S. federal income tax consequences of the notes are uncertain, and may be adverse to a holder of the notes. See &ldquo;Summary
of U.S. Federal Income Tax Consequences&rdquo; below and &ldquo;U.S. Federal Income Tax Summary&rdquo; beginning on page PS-47 of product
supplement EQUITY CYN-1. For a discussion of the Canadian federal income tax consequences of investing in the notes, see &ldquo;Material
Income Tax Consequences&mdash;Canadian Taxation&rdquo; in the prospectus, as supplemented by the discussion under &ldquo;Summary of Canadian
Federal Income Tax Considerations&rdquo; herein.</TD></TR></TABLE>

<P STYLE="color: #5B862B; font: 20pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Additional Risk Factors</P>

<P STYLE="font: 5pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="background-color: white"><B>The securities held by the Underlying
Fund are concentrated in one sector.&nbsp;</B>T</FONT>he securities held by the Underlying Fund are issued by companies in the financial
sector. As a result, the securities that will determine the performance of the notes are concentrated in one sector. Although an investment
in the notes will not give holders any ownership or other direct interests in the securities held by the Underlying Fund, the return on
the notes will be subject to certain risks similar to those associated with direct equity investments in the financial sector. The notes
may be subject to greater volatility and be more adversely affected by a single positive or negative economic, political or regulatory
occurrence affecting this sector than a different investment linked to securities of a more broadly diversified group of issuers.</P>

<P STYLE="font: 5pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B>Adverse conditions in the financial sector may reduce your return
on the notes. </B>All of the securities held by the Underlying Fund are issued by companies whose primary lines of business are directly
associated with the financial sector. The profitability of these companies is largely dependent on the availability and cost of capital
funds, and can fluctuate significantly, particularly when market interest rates change. Credit losses resulting from financial difficulties
of these companies&rsquo; customers can negatively impact the sector. In addition, adverse international economic, business, or political
developments, including with respect to the insurance sector, or to real estate and loans secured by real estate, could have a major effect
on the value of the Underlying Fund. As a result of these factors, the value of the notes may be subject to greater volatility and be
more adversely affected by economic, political, or regulatory events relating to the financial services sector.</P>

<P STYLE="font: 5pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B>A limited number of securities may affect the price of the Underlying
Fund, and the Underlying Index is not necessarily representative of the financial sector. </B>The number of securities held by the Underlying
Fund is limited. In addition, a few top securities held by the Underlying Fund may constitute a substantial portion of its net assets.
Any reduction in the market price of those securities is likely to have a substantial adverse impact on the price of the Underlying Fund
and the return on the notes.</P>

<P STYLE="font: 5pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">While the securities included in the Underlying Index are equity securities
of companies generally considered to be involved in the financial sector, the securities included in the Underlying Index may not follow
the price movements of the entire financial sector generally. If the securities included in the Underlying Index (and, accordingly, the
securities held by the Underlying Fund) decline in value, the Underlying Fund will decline in value even if security prices in the financial
sector generally increase in value.</P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0in">&nbsp;</P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0in"></P>

<!-- Field: Page; Sequence: 7; Value: 2 -->
    <DIV STYLE="margin-top: 12pt; margin-bottom: 6pt"><TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse; font-family: Arial, Helvetica, Sans-Serif"><TR STYLE="vertical-align: top"><TD STYLE="width: 92%; border-top: green 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; font-size: 8pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt; color: #5b862b">Autocallable Contingent Coupon (with Memory) Notes</FONT></TD><TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; width: 8%; border-top: green 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt; color: #5b862b">TS-</FONT><FONT STYLE="color: #5b862b"><!-- Field: Sequence; Type: Arabic; Name: PageNo -->7<!-- Field: /Sequence --></FONT></TD></TR></TABLE></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0in">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse; font-family: Arial, Helvetica, Sans-Serif">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 81%; border-bottom: #5B862B 4.5pt solid; padding-right: 5.4pt; padding-left: 5.4pt; font-size: 9pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 16pt; color: #5b862b">Autocallable Contingent Coupon (with Memory) Notes<BR>
</FONT><FONT STYLE="color: #5b862b">Linked to the Financial Select Sector SPDR<SUP>&reg;</SUP> Fund, due April , 2028</FONT></TD>
    <TD STYLE="width: 19%; border-bottom: #5B862B 4.5pt solid; padding-right: 5.4pt; padding-left: 5.4pt">
    <P STYLE="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right; color: #5b862b">&nbsp;</P>
    <P STYLE="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right; color: #5b862b">&nbsp;</P></TD></TR>
  </TABLE>
<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0in">&nbsp;</P>




<P STYLE="font: 20pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5B862B">The Underlying Fund</P>

<P STYLE="font: 5pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">All disclosures contained in this term sheet regarding the Underlying
Fund and the Underlying Index, including, without limitation, its make-up, method of their calculation, and changes in their components,
have been derived from publicly available sources, which we have not independently verified. The information reflects the policies of,
and is subject to change by, SSGA Funds Management, Inc. (&ldquo;SSGA&rdquo;), the investment adviser of the Underlying Fund. The consequences
of any discontinuance of the Underlying Fund or the Underlying Index are discussed in the section entitled &ldquo;Description of the Notes&mdash;Anti-Dilution
and Discontinuance Adjustments Relating to Underlying Funds&mdash;Discontinuance of or Material Change to an Underlying Fund&rdquo; beginning
on page PS-37 of product supplement EQUITY CYN-1. None of us, the calculation agent, MLPF&amp;S or BofAS accepts any responsibility for
the calculation, maintenance or publication of the Underlying Fund, the Underlying Index or any successor fund or index.</P>

<P STYLE="font: 5pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B>General</B></P>

<P STYLE="font: 5pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: justify">The Underlying Fund seeks to provide investment
results that, before expenses, correspond generally to the price and yield performance of the Financial Select Sector Index (the &ldquo;Underlying
Index&rdquo;). The Underlying Fund is an exchange-traded fund that trades on the NYSE Arca under the ticker symbol &ldquo;XLF.&rdquo;</P>

<P STYLE="font: 5pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: justify">The Underlying Index seeks to provide an effective
representation of the financial sector of the S&amp;P 500<SUP>&reg;</SUP> Index. The IXM includes companies from the following industries:
diversified financial services; insurance; banks; capital markets; mortgage real estate investment trusts; consumer finance; and thrifts
and mortgage finance. For further information, refer to &ldquo;The S&amp;P 500<SUP>&reg;</SUP> Index&rdquo; below.</P>

<P STYLE="font: 5pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: justify">Information filed by the Underlying Fund with the
SEC pursuant to the Securities Exchange Act of 1934 and the Investment Company Act can be located by reference to the SEC file numbers
333-57791 and 811-08837, respectively on the SEC&rsquo;s website at http://www.sec.gov. In addition, information about the Underlying
Fund may be obtained from other sources including, but not limited to, the Underlying Fund&rsquo;s website. We are not incorporating by
reference into this pricing supplement the website or any material it includes. Neither we nor the agent makes any representation that
such publicly available information regarding the Underlying Fund is accurate or complete.</P>

<P STYLE="font: 5pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B><I>Investment Objective and Strategy</I></B></P>

<P STYLE="font: 5pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">The Underlying Fund is a Select Sector SPDR<SUP>&reg;</SUP> Fund. Each
Select Sector SPDR<SUP>&reg;</SUP> Fund is an exchange-traded fund that is listed and trades on the NYSE Arca under the ticker symbol
set forth in the table below. Each Select Sector SPDR<SUP>&reg;</SUP> Fund seeks to provide investment results that, before expenses,
correspond generally to the price and yield performance of publicly traded equities securities of companies included in a Select Sector
Index. The returns of each Select Sector SPDR<SUP>&reg; </SUP>Fund may be affected by certain management fees and other expenses, which
are detailed in its prospectus.</P>

<P STYLE="font: 5pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Each Select Sector SPDR<SUP>&reg;</SUP> Fund employs a replication strategy
in seeking to track the performance of the relevant Select Sector Index. This means that each Select Sector SPDR<SUP>&reg;</SUP> Fund
typically invests in substantially all of the securities represented in the relevant Select Sector Index in approximately the same proportions
as that Select Sector Index. However, under various circumstances, it may not be possible or practical to purchase all of the securities
in the relevant Select Sector Index for a Select Sector SPDR<SUP>&reg;</SUP> Fund, or amounts of such securities in proportion to their
weighting in the relevant Select Sector Index, such as when there are practical difficulties or substantial costs involved in compiling
a portfolio of securities to follow the relevant Select Sector Index; in instances when a security in the relevant Select Sector Index
becomes temporarily illiquid, unavailable or less liquid; or due to legal restrictions (such as diversification requirements that apply
to a Select Sector SPDR<SUP>&reg;</SUP> Fund but not the relevant Select Sector Index). Under such circumstances, SSGA intends to employ
a sampling strategy in managing the Select Sector SPDR<SUP>&reg;</SUP> Funds. Sampling means that SSGA will use quantitative analysis
to select securities, including securities in the relevant Select Sector Index, outside of the relevant Select Sector Index and derivatives
that have a similar investment profile as the relevant Select Sector Index in terms of key risk factors, performance attributes and other
economic characteristics. These include industry weightings, market capitalization and other financial characteristics of securities.
While SSGA seeks to track the performance of the relevant Select Sector Index (i.e., achieve a high degree of correlation with the relevant
Select Sector Index), each Select Sector SPDR<SUP>&reg;</SUP> Fund&rsquo;s return may not match the return of the relevant Select Sector
Index. Each Select Sector SPDR<SUP>&reg;</SUP> Fund incurs a number of operating expenses not applicable to the relevant Select Sector
Index and incurs costs in buying and selling securities. In addition, a Select Sector SPDR<SUP>&reg;</SUP> Fund may not be fully invested
at times, generally as a result of cash flows into or out of that Select Sector SPDR<SUP>&reg;</SUP> Fund or reserves of cash held by
that Select Sector SPDR<SUP>&reg;</SUP> Fund to meet redemptions.</P>

<P STYLE="font: 5pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">The Select Sector Trust is a registered investment company that consists
of a separate investment portfolio for each of the Select Sector SPDR<SUP>&reg;</SUP> Funds. Information provided to or filed with the
SEC by the Select Sector Trust pursuant to the Securities Act and the Investment Company Act can be located by reference to SEC file numbers
333-57791 and 811-08837, respectively, through the SEC&rsquo;s website at http://www.sec.gov. For additional information regarding the
Select Sector Trust or the Select Sector SPDR<SUP>&reg;</SUP> Funds, please see the Select Sector SPDR<SUP>&reg;</SUP> Funds&rsquo; prospectus.
In addition, information about the Select Sector Trust, SSGA and the Select Sector SPDR<SUP>&reg;</SUP> Funds may be obtained from other
sources including, but not limited to, press releases, newspaper articles and other publicly disseminated documents and the Select Sector
Trust website at http://www.sectorspdrs.com. Information contained in the Select Sector Trust website is not incorporated by reference
in, and should not be considered a part of, this underlying supplement or the relevant terms supplement.</P>




<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<!-- Field: Page; Sequence: 8; Value: 2 -->
    <DIV STYLE="margin-top: 12pt; margin-bottom: 6pt"><TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse; font-family: Arial, Helvetica, Sans-Serif"><TR STYLE="vertical-align: top"><TD STYLE="width: 92%; border-top: green 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; font-size: 8pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt; color: #5b862b">Autocallable Contingent Coupon (with Memory) Notes</FONT></TD><TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; width: 8%; border-top: green 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt; color: #5b862b">TS-</FONT><FONT STYLE="color: #5b862b"><!-- Field: Sequence; Type: Arabic; Name: PageNo -->8<!-- Field: /Sequence --></FONT></TD></TR></TABLE></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B>&nbsp;</B></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse; font-family: Arial, Helvetica, Sans-Serif">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 81%; border-bottom: #5B862B 4.5pt solid; padding-right: 5.4pt; padding-left: 5.4pt; font-size: 9pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 16pt; color: #5b862b">Autocallable Contingent Coupon (with Memory) Notes<BR>
</FONT><FONT STYLE="color: #5b862b">Linked to the Financial Select Sector SPDR<SUP>&reg;</SUP> Fund, due April , 2028</FONT></TD>
    <TD STYLE="width: 19%; border-bottom: #5B862B 4.5pt solid; padding-right: 5.4pt; padding-left: 5.4pt">
    <P STYLE="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right; color: #5b862b">&nbsp;</P>
    <P STYLE="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right; color: #5b862b">&nbsp;</P></TD></TR>
  </TABLE>
<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B>&nbsp;</B></P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B>The Select Sector Indices </B></P>

<P STYLE="font: 5pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">The constituents included in each Select Sector Index are all members
of the S&amp;P 500<SUP>&reg;</SUP> Index. Each constituent of the S&amp;P 500<SUP>&reg;</SUP> Index is assigned to one Select Sector Index.
SPDJI assigns constituents to a Select Sector Index based on the constituent&rsquo;s classification under the GICS. As of the close of
business on September 21, 2018, SPDJI and MSCI, Inc. updated the GICS structure. Among other things, the update broadened the Telecommunications
Services sector and renamed it the Communication Services sector. The renamed sector includes the previously existing Telecommunication
Services Industry group, as well as the Media Industry group, which was moved from the Consumer Discretionary sector and renamed the Media
 &amp; Entertainment Industry group. The Media &amp; Entertainment Industry group contains three industries: Media, Entertainment and Interactive
Media &amp; Services. The Media industry continues to consist of the Advertising, Broadcasting, Cable &amp; Satellite and Publishing sub-industries.
The Entertainment industry contains the Movies &amp; Entertainment sub-industry (which includes online entertainment streaming companies
in addition to companies previously classified in such industry prior to September 21, 2018) and the Interactive Home Entertainment sub-industry
(which includes companies previously classified in the Home Entertainment Software sub-industry prior to September 21, 2018 (when the
Home Entertainment Software sub-industry was a sub-industry in the Information Technology sector), as well as producers of interactive
gaming products, including mobile gaming applications). The Interactive Media &amp; Services industry and sub-industry includes companies
engaged in content and information creation or distribution through proprietary platforms, where revenues are derived primarily through
pay-per-click advertisements, and includes search engines, social media and networking platforms, online classifieds and online review
companies. The GICS structure changes were effective for the S&amp;P 500<SUP>&reg;</SUP> Index as of the open of business on September
24, 2018 to coincide with the September 2018 quarterly rebalancing.</P>

<P STYLE="font: 5pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B>The S&amp;P 500<SUP>&reg; </SUP>Index</B></P>

<P STYLE="font: 5pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B>General</B></P>

<P STYLE="font: 5pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">The S&amp;P 500<SUP>&reg;</SUP> Index (the &ldquo;Index) consists of
stocks of 500 companies selected to provide a performance benchmark for the U.S. equity markets. The Index is one of the multiple indices
published by SPDJI (the &ldquo;the S&amp;P U.S Indices&rdquo;). The Index is reported by Bloomberg L.P. under the ticker symbol &ldquo;SPX.&rdquo;</P>

<P STYLE="font: 5pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B><I>Composition of the S&amp;P U.S Indices</I></B></P>

<P STYLE="font: 5pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Securities must meet the following eligibility factors to be considered
eligible for inclusion in the S&amp;P U.S. Indices. Constituent selection is at the discretion of the SPDJI&rsquo;s U.S. index committee
(the &ldquo;Index Committee&rdquo;) and is based on the eligibility criteria.</P>

<P STYLE="font: 5pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Changes to the S&amp;P U.S. Indices are made as needed, with no scheduled
reconstitution. Rather, changes in response to corporate actions and market developments can be made at any time. Constituent changes
are typically announced two to five days before they are scheduled to be implemented.</P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Additions to the S&amp;P U.S. Indices are evaluated based on the following
eligibility criteria:</P>

<P STYLE="font: 5pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD><I>Domicile</I>. Only common stocks of U.S. companies are eligible. For index purposes, a U.S. company has the following characteristics:</TD></TR><TR STYLE="font-size: 5pt; vertical-align: top">
<TD STYLE="font-size: 5pt">&nbsp;</TD><TD STYLE="font-size: 5pt">&nbsp;</TD><TD STYLE="font-size: 5pt">&nbsp;</TD></TR>
                                                                                                                                                                                                                                                                      </TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.75in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Wingdings">&sect;</FONT></TD><TD>satisfies the periodic reporting obligations imposed by the U.S. Securities Exchange Act of 1934 by filing forms for domestic issuers,
such as, but not limited to, Form 10-K annual reports, Form 10-Q quarterly reports, and Form 8-K current reports;</TD></TR><TR STYLE="font-size: 5pt; vertical-align: top">
<TD STYLE="font-size: 5pt">&nbsp;</TD><TD STYLE="font-size: 5pt">&nbsp;</TD><TD STYLE="font-size: 5pt">&nbsp;</TD></TR>
                                                                                                                           </TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.75in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Wingdings">&sect;</FONT></TD><TD>the U.S. portion of fixed assets and revenues constitutes a plurality of the total, but need not exceed 50%. When these factors are
in conflict, fixed assets determine plurality. Revenue determines plurality when there is incomplete asset information. Geographic information
for revenue and fixed asset allocations are determined by the company as reported in its annual filings. If this criteria is not met or
is ambiguous, SPDJI may still deem the company to be a U.S. company for index purposes if its primary listing, headquarters and incorporation
are all in the United States and/or &ldquo;a domicile of convenience&rdquo; (Bermuda, Channel Islands, Gibraltar, islands in the Caribbean,
Isle of Man, Luxembourg, Liberia or Panama); and</TD></TR><TR STYLE="font-size: 5pt; vertical-align: top">
<TD STYLE="font-size: 5pt">&nbsp;</TD><TD STYLE="font-size: 5pt">&nbsp;</TD><TD STYLE="font-size: 5pt">&nbsp;</TD></TR>
                                                          </TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.75in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Wingdings">&sect;</FONT></TD><TD>the primary listing is on an eligible U.S. exchange.</TD></TR></TABLE>

<P STYLE="font: 5pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">In situations where the only factor suggesting that a company is not
a U.S. company is its tax registration in a &ldquo;domicile of convenience&rdquo; or another location chosen for tax-related reasons,
SPDJI normally determines that the company is still a U.S. company. The final determination of domicile eligibility is made by the Index
Committee, which can consider other factors including, but not limited to, operational headquarters location, ownership information, location
of officers, directors and employees, investor perception and other factors deemed to be relevant.</P>

<P STYLE="font: 5pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD><I>Exchange Listing</I>. A primary listing on one of the following U.S. exchanges is required: NYSE, NYSE Arca, NYSE American, Nasdaq
Global Select Market, Nasdaq Select Market, Nasdaq Capital Market, Cboe BZX, Cboe BYX, Cboe EDGA or Cboe EDGX exchanges. Ineligible exchanges
include the OTC Bulletin Board and Pink Sheets.</TD></TR><TR STYLE="font-size: 5pt; vertical-align: top">
<TD STYLE="font-size: 5pt">&nbsp;</TD><TD STYLE="font-size: 5pt">&nbsp;</TD><TD STYLE="font-size: 5pt">&nbsp;</TD></TR>
                                                         </TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD><I>Organizational Structure and Share Type</I>. Eligible organizational structures and share types are corporations (including equity
and mortgage REITS) and common stock (i.e., shares). Ineligible organizational structures and share types include business development
companies, limited partnerships, master limited partnerships, limited liability companies, closed-end funds, exchange-traded funds, exchange-traded
notes, royalty trusts, special purpose acquisition companies, preferred and</TD></TR></TABLE>




<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in">&nbsp;</P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in"></P>

<!-- Field: Page; Sequence: 9; Value: 2 -->
    <DIV STYLE="margin-top: 12pt; margin-bottom: 6pt"><TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse; font-family: Arial, Helvetica, Sans-Serif"><TR STYLE="vertical-align: top"><TD STYLE="width: 92%; border-top: green 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; font-size: 8pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt; color: #5b862b">Autocallable Contingent Coupon (with Memory) Notes</FONT></TD><TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; width: 8%; border-top: green 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt; color: #5b862b">TS-</FONT><FONT STYLE="color: #5b862b"><!-- Field: Sequence; Type: Arabic; Name: PageNo -->9<!-- Field: /Sequence --></FONT></TD></TR></TABLE></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse; font-family: Arial, Helvetica, Sans-Serif">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 81%; border-bottom: #5B862B 4.5pt solid; padding-right: 5.4pt; padding-left: 5.4pt; font-size: 9pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 16pt; color: #5b862b">Autocallable Contingent Coupon (with Memory) Notes<BR>
</FONT><FONT STYLE="color: #5b862b">Linked to the Financial Select Sector SPDR<SUP>&reg;</SUP> Fund, due April , 2028</FONT></TD>
    <TD STYLE="width: 19%; border-bottom: #5B862B 4.5pt solid; padding-right: 5.4pt; padding-left: 5.4pt">
    <P STYLE="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right; color: #5b862b">&nbsp;</P>
    <P STYLE="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right; color: #5b862b">&nbsp;</P></TD></TR>
  </TABLE>
<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in">&nbsp;</P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in">convertible preferred stock, unit trusts, equity warrants,
convertible bonds, investment trusts, rights, American Depositary Receipts and tracking stocks.</P>

<P STYLE="font: 5pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="padding-bottom: 5pt; width: 0.25in"></TD><TD STYLE="padding-bottom: 5pt; width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="padding-bottom: 5pt"><I>Market Capitalization</I>. The unadjusted company market capitalization should be within a specified range. Such ranges are reviewed
quarterly and updated as needed to ensure they reflect current market conditions. For spin-offs, S&amp;P U.S. Index membership eligibility
is determined using when-issued prices, if available.</TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="padding-bottom: 5pt; width: 0.25in"></TD><TD STYLE="padding-bottom: 5pt; width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="padding-bottom: 5pt"><I>Liquidity</I>. Using composite pricing and volume, the ratio of annual dollar value traded (defined as average closing price over
the period multiplied by historical volume over the last 365 calendar days) to float-adjusted market capitalization should be at least
0.10, and the stock should trade a minimum of 250,000 shares in each of the six months leading up to the evaluation date.</TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="padding-bottom: 5pt; width: 0.25in"></TD><TD STYLE="padding-bottom: 5pt; width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="padding-bottom: 5pt"><I>IWF</I>. The IWF for each company represents the portion of the total shares outstanding that are considered part of the public
float for purposes of the S&amp;P U.S. Indices. An IWF of at least 0.10 is required.</TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="padding-bottom: 5pt; width: 0.25in"></TD><TD STYLE="padding-bottom: 5pt; width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="padding-bottom: 5pt"><I>Financial Viability. </I>The sum of the most recent four consecutive quarters&rsquo; Generally Accepted Accounting Principles (GAAP)
earnings (net income excluding discontinued operations) should be positive as should the most recent quarter. For REITs, financial viability
is based on GAAP earnings and/or Funds From Operations (FFO), if reported.</TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="padding-bottom: 5pt; width: 0.25in"></TD><TD STYLE="padding-bottom: 5pt; width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="padding-bottom: 5pt"><I>Treatment of IPOs. </I>Initial public offerings should be traded on an eligible exchange for at least 12 months before being considered
for addition to an S&amp;P U.S. Index. Spin-offs or in-specie distributions from existing constituents do not need to be seasoned for
12 months prior to their inclusion in an S&amp;P U.S. Index.</TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="padding-bottom: 5pt; width: 0.25in"></TD><TD STYLE="padding-bottom: 5pt; width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="padding-bottom: 5pt"><I>Sector Balance. </I>A company is evaluated for its contribution to sector balance maintenance, as measured by a comparison of each
GICS<SUP>&reg;</SUP> sector&rsquo;s weight in an index with its weight in the S&amp;P U.S. Total Market Index, in the relevant market
capitalization range. The S&amp;P Total Market Index is a float-adjusted, market-capitalization weighted index designed to track the broad
U.S. equity market, including large-, mid-, small- and micro-cap stocks.</TD></TR></TABLE>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">SPDJI believes turnover in membership in the S&amp;P U.S. Indices should
be avoided when possible. At times a stock may appear to temporarily violate one or more of the addition criteria. However, the addition
criteria are for addition to the S&amp;P U.S. Indices, not for continued membership. As a result, a constituent of the S&amp;P U.S. Indices
that appears to violate criteria for addition to the S&amp;P U.S. Indices is not deleted unless ongoing conditions warrant an index change.</P>

<P STYLE="font: 5pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B><I>Calculation of the S&amp;P U.S. Indices </I></B></P>

<P STYLE="font: 5pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">The S&amp;P U.S. Indices are float-adjusted market capitalization-weighted
indices. On any given day, the index value of each S&amp;P U.S. Index is the total float-adjusted market capitalization of that S&amp;P
U.S. Index&rsquo;s constituents divided by its divisor. The float-adjusted market capitalization reflects the price of each stock in the
relevant S&amp;P U.S. Index multiplied by the number of shares used in the index value calculation.</P>

<P STYLE="font: 5pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><I>Float Adjustment.</I> Float adjustment means that the number of shares
outstanding is reduced to exclude closely held shares from the calculation of the index value because such shares are not available to
investors. The goal of float adjustment is to distinguish between strategic (control) shareholders, whose holdings depend on concerns
such as maintaining control rather than shorter term economic fortunes of the company, and those holders whose investments depend on the
stock&rsquo;s price and their evaluation of a company&rsquo;s future prospects. Generally, these &ldquo;control holders&rdquo; include
officers and directors, private equity, venture capital &amp; special equity firms, asset managers and insurance companies with board
of director representation, other publicly traded companies that hold shares for control, holders of restricted shares, company-sponsored
employee share plans/trusts, defined contribution plans/savings and investment plans, foundations or family trusts associated with the
company, holders of unlisted share classes of stock or government entities at all levels (other than government retirement/pension funds),
sovereign wealth funds and any individual person who controls a 5% or greater stake in a company as reported in regulatory filings. Shares
that are not considered outstanding are also not included in the available float. These generally include treasury stock, stock options,
equity participation units, warrants, preferred stock, convertible stock and rights.</P>

<P STYLE="font: 5pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">For each component, SPDJI calculates an IWF, which represents the portion
of the total shares outstanding that are considered part of the public float for purposes of the relevant S&amp;P U.S. Index.</P>

<P STYLE="font: 5pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><I>Divisor</I>. Continuity in the value of each S&amp;P U.S. Index is
maintained by adjusting its divisor for all changes in its constituents&rsquo; share capital after its base date. This includes additions
and deletions to the relevant S&amp;P U.S. Index, rights issues, share buybacks and issuances and non-zero price spin-offs. The value
of each S&amp;P U.S. Index&rsquo;s divisor over time is, in effect, a chronological summary of all changes affecting the base capital
of that S&amp;P U.S. Index. The divisor of each S&amp;P U.S. Index is adjusted such that the index value of that S&amp;P U.S. Index at
an instant just prior to a change in base capital equals the index value of that S&amp;P U.S. Index at an instant immediately following
that change.</P>

<P STYLE="font: 5pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">The following types of corporate actions would require a divisor adjustment:
company added/deleted, change in shares outstanding, change in IWF, special dividend and rights offering. Stock splits and stock dividends
do not affect the divisor, because following a split or dividend, both the stock price and number of shares outstanding are adjusted by
SPDJI so that there is no change in the market value of the relevant component. All stock split and dividend adjustments are made after
the close of trading on the day before the ex-date.</P>

<P STYLE="font: 5pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B><I>Maintenance of the S&amp;P U.S. Indices</I></B></P>




<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<!-- Field: Page; Sequence: 10; Value: 2 -->
    <DIV STYLE="margin-top: 12pt; margin-bottom: 6pt"><TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse; font-family: Arial, Helvetica, Sans-Serif"><TR STYLE="vertical-align: top"><TD STYLE="width: 92%; border-top: green 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; font-size: 8pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt; color: #5b862b">Autocallable Contingent Coupon (with Memory) Notes</FONT></TD><TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; width: 8%; border-top: green 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt; color: #5b862b">TS-</FONT><FONT STYLE="color: #5b862b"><!-- Field: Sequence; Type: Arabic; Name: PageNo -->10<!-- Field: /Sequence --></FONT></TD></TR></TABLE></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse; font-family: Arial, Helvetica, Sans-Serif">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 81%; border-bottom: #5B862B 4.5pt solid; padding-right: 5.4pt; padding-left: 5.4pt; font-size: 9pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 16pt; color: #5b862b">Autocallable Contingent Coupon (with Memory) Notes<BR>
</FONT><FONT STYLE="color: #5b862b">Linked to the Financial Select Sector SPDR<SUP>&reg;</SUP> Fund, due April , 2028</FONT></TD>
    <TD STYLE="width: 19%; border-bottom: #5B862B 4.5pt solid; padding-right: 5.4pt; padding-left: 5.4pt">
    <P STYLE="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right; color: #5b862b">&nbsp;</P>
    <P STYLE="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right; color: #5b862b">&nbsp;</P></TD></TR>
  </TABLE>
<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 5pt">Changes in response to corporate actions and market developments can
be made at any time. Constituent changes are typically implemented with at least three business days advance notice.</P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 5pt"><I>Removals. </I>Removals from the S&amp;P U.S. Indices are evaluated
based as follows:</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="padding-bottom: 5pt; width: 0.25in"></TD><TD STYLE="padding-bottom: 5pt; width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="padding-bottom: 5pt">A company involved in a merger, acquisition or significant restructuring such that it no longer meets the eligibility criteria is
deleted from the S&amp;P U.S. Indices at a time announced by SPDJI, normally at the close of the last day of trading or expiration of
a tender offer. Constituents that are halted from trading may be kept in the index until trading resumes, at the discretion of the Index
Committee. If a stock is moved to the pink sheets or the bulletin board, the stock is removed.</TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="padding-bottom: 5pt; width: 0.25in"></TD><TD STYLE="padding-bottom: 5pt; width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="padding-bottom: 5pt">A company that substantially violates one or more of the eligibility criteria may be deleted at the Index Committee&rsquo;s discretion.</TD></TR></TABLE>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 5pt">Any company that is removed from the S&amp;P U.S. Indices must wait a
minimum of one year from its index removal date before being reconsidered as a replacement candidate.</P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 5pt"><I>Share Updates</I>. When total shares outstanding increase by at least
5%, but the new share issuance is to a strategic or major shareholder, it implies that there is no change in float- adjusted shares. However,
in such instances, SPDJI will apply the share change and resulting IWF change regardless of whether the float change is greater than or
equal to 5%. For companies with multiple share class lines, the 5% share change threshold is based on each individual multiple share class
line rather than total company shares. Changes to share counts that is less than 5% of total shares are accumulated and made quarterly
on the third Friday of March, June, September and December.</P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 5pt"><I>IWF Updates</I>. Accelerated implementation for events less than $1
billion will include an adjustment to the company&rsquo;s IWF only to the extent that such an IWF change helps the new float share total
mimic the shares available in the offering. To minimize unnecessary turnover, these IWF changes do not need to meet any minimum threshold
requirement for implementation. Any IWF change resulting in an IWF of 0.96 or greater is rounded up to 1.00 at the next annual IWF review.</P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 5pt">IWF changes will only be made at the quarterly review if the change represents
at least 5% of total current shares outstanding and is related to a single corporate action that did not qualify for the accelerated implementation
rule.</P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 5pt">Quarterly share change events resulting from the conversion of derivative
securities, acquisitions of private companies, or acquisitions of non-index companies that do not trade on a major exchange are considered
to be available to investors unless there is explicit information stating that the new owner is a strategic holder.</P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 5pt">Other than the situations described above, IWF changes are only made
at the annual IWF review.</P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 5pt"><I>Share/IWF Freezes</I>. A share/IWF freeze period is implemented during
each quarterly rebalancing. The freeze period begins after the market close on the Tuesday preceding the second Friday of each rebalancing
month (i.e. March, June, September and December) and ends after the market close on the third Friday of a rebalancing month. Pro-forma
files are normally released after the market close on the second Friday, one week prior to the rebalancing effective date. In September,
preliminary share and float data are released on the first Friday of the month. However, the share freeze period for September follows
the same schedule as the other three quarterly share freeze periods. For illustration purposes, if rebalancing pro-forma files are scheduled
to be released on Friday, March 5, the share/IWF freeze period will begin after the close of trading on Tuesday, March 9 and will end
after the close of trading the following Friday, March 19 (i.e. the third Friday of the rebalancing month).</P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 5pt">During the share/IWF freeze period, shares and IWFs are not changed except
for certain corporate action events (such as merger activity, stock splits, and rights offerings), and the accelerated implementation
rule is suspended. The suspension includes all changes that qualify for accelerated implementation and would typically be announced or
effective during the share/IWF freeze period. At the end of the freeze period, all suspended changes will be announced on the third Friday
of the rebalancing month and implemented five business days after the quarterly rebalancing effective date.</P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 5pt">In general, companies that are the target of a cash M&amp;A event that
is expected to close by quarter end according to publicly available guidance may have their share count frozen at their current level
for rebalancing purposes.</P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-right: 0; margin-left: 0"><I>Corporate Actions</I>. As specified in &ldquo;&mdash;Calculation of
the S&amp;P U.S. Indices&mdash;Divisor&rdquo; above, the divisor will be adjusted for certain corporation actions. Corporate actions (such
as stock splits, stock dividends, non-zero price spin-offs and rights offerings) are applied after the close of trading on the day prior
to the ex-date.</P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-right: 0; margin-left: 0"><I>Other Adjustments</I>. In cases
where there is no achievable market price for a stock being deleted, it can be removed at a zero or minimal price at the Index Committee&rsquo;s
discretion, in recognition of the constraints faced by investors in trading bankrupt or suspended stocks.</P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"></P>

<!-- Field: Page; Sequence: 11; Value: 2 -->
    <DIV STYLE="margin-top: 12pt; margin-bottom: 6pt"><TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse; font-family: Arial, Helvetica, Sans-Serif"><TR STYLE="vertical-align: top"><TD STYLE="width: 92%; border-top: green 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; font-size: 8pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt; color: #5b862b">Autocallable Contingent Coupon (with Memory) Notes</FONT></TD><TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; width: 8%; border-top: green 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt; color: #5b862b">TS-</FONT><FONT STYLE="color: #5b862b"><!-- Field: Sequence; Type: Arabic; Name: PageNo -->11<!-- Field: /Sequence --></FONT></TD></TR></TABLE></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B>&nbsp;</B></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse; font-family: Arial, Helvetica, Sans-Serif">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 81%; border-bottom: #5B862B 4.5pt solid; padding-right: 5.4pt; padding-left: 5.4pt; font-size: 9pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 16pt; color: #5b862b">Autocallable Contingent Coupon (with Memory) Notes<BR>
</FONT><FONT STYLE="color: #5b862b">Linked to the Financial Select Sector SPDR<SUP>&reg;</SUP> Fund, due April , 2028</FONT></TD>
    <TD STYLE="width: 19%; border-bottom: #5B862B 4.5pt solid; padding-right: 5.4pt; padding-left: 5.4pt">
    <P STYLE="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right; color: #5b862b">&nbsp;</P>
    <P STYLE="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right; color: #5b862b">&nbsp;</P></TD></TR>
  </TABLE>
<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B>&nbsp;</B></P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B>Historical Data</B></P>

<P STYLE="font: 5pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B><I>The following graph shows the daily historical performance of the
Underlying Fund on its primary exchange in the period from January 1, 2015 through April 10, 2025. We obtained this historical data from
Bloomberg L.P. We have not independently verified the accuracy or completeness of the information obtained from Bloomberg L.P. On April
10, 2025, the Closing Market Price of the Underlying Fund was $45.91. The graph below may have been adjusted to reflect certain corporate
actions such as stock splits and reverse stock splits.</I></B></P>

<P STYLE="font: 5pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B><I>&nbsp;</I></B></P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center; text-indent: 0in"><B>Historical Performance of the
Underlying Fund</B></P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center; text-indent: 0in"><B>&nbsp;</B></P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center; text-indent: 0in"><B><IMG SRC="tm2510993d22_fwpimg005.jpg" ALT=""></B></P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center; text-indent: 0in"><B>&nbsp;</B></P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B><I>This historical data on the Underlying Fund is not necessarily
indicative of the future performance of the Underlying Fund or what the value of the notes may be. Any historical upward or downward trend
in the price per share of the Underlying Fund during any period set forth above is not an indication that the price per share of the Underlying
Fund is more or less likely to increase or decrease at any time over the term of the notes.</I></B></P>

<P STYLE="font: 5pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Before investing in the notes, you should consult publicly available
sources for the prices and trading pattern of the Underlying Fund.</P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<!-- Field: Page; Sequence: 12; Value: 2 -->
    <DIV STYLE="margin-top: 12pt; margin-bottom: 6pt"><TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse; font-family: Arial, Helvetica, Sans-Serif"><TR STYLE="vertical-align: top"><TD STYLE="width: 92%; border-top: green 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; font-size: 8pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt; color: #5b862b">Autocallable Contingent Coupon (with Memory) Notes</FONT></TD><TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; width: 8%; border-top: green 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt; color: #5b862b">TS-</FONT><FONT STYLE="color: #5b862b"><!-- Field: Sequence; Type: Arabic; Name: PageNo -->12<!-- Field: /Sequence --></FONT></TD></TR></TABLE></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B><I>&nbsp;</I></B></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse; font-family: Arial, Helvetica, Sans-Serif">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 81%; border-bottom: #5B862B 4.5pt solid; padding-right: 5.4pt; padding-left: 5.4pt; font-size: 9pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 16pt; color: #5b862b">Autocallable Contingent Coupon (with Memory) Notes<BR>
</FONT><FONT STYLE="color: #5b862b">Linked to the Financial Select Sector SPDR<SUP>&reg;</SUP> Fund, due April , 2028</FONT></TD>
    <TD STYLE="width: 19%; border-bottom: #5B862B 4.5pt solid; padding-right: 5.4pt; padding-left: 5.4pt">
    <P STYLE="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right; color: #5b862b">&nbsp;</P>
    <P STYLE="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right; color: #5b862b">&nbsp;</P></TD></TR>
  </TABLE>
<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B><I>&nbsp;</I></B></P>

<P STYLE="color: #5B862B; font: 20pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Supplement to the Plan of Distribution</P>

<P STYLE="font: 5pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Under our distribution agreement with BofAS, BofAS will purchase the
notes from us as principal at the public offering price indicated on the cover of this term sheet, less the indicated underwriting discount.
MLPF&amp;S will in turn purchase the notes from BofAS for resale, and it will receive a discount in connection with the sale of the notes
in an amount up to the full amount of the underwriting discount set forth on the cover of this term sheet.</P>

<P STYLE="font: 5pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0in">&nbsp;</P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0in">We will pay a fee to a broker dealer in which an affiliate
of BofAS has an ownership interest for providing certain services with respect to this offering, which will reduce the economic terms
of the notes to you.</P>

<P STYLE="font: 5pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0in">&nbsp;</P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">We may deliver the notes against payment therefor in New York, New York
on a date that is greater than one business day following the pricing date. Under Rule 15c6-1 of the Securities Exchange Act of 1934,
trades in the secondary market generally are required to settle in one business day, unless the parties to any such trade expressly agree
otherwise. Accordingly, if the initial settlement of the notes occurs more than one business day from the pricing date, purchasers who
wish to trade the notes more than one business day prior to the original issue date will be required to specify alternative settlement
arrangements to prevent a failed settlement.</P>

<P STYLE="font: 5pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">The notes will not be listed on any securities
exchange. In the original offering of the notes, the notes will be sold in minimum investment amounts of 10,000 units.</FONT> If you place
an order to purchase the notes, you are consenting to MLPF&amp;S and/or one of its affiliates acting as a principal in effecting the transaction
for your account.</P>

<P STYLE="font: 5pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">We, MLPF&amp;S and BofAS may repurchase and resell the notes, with repurchases
and resales being made at prices related to then-prevailing market prices or at negotiated prices, and these prices will include our respective
trading commissions and mark-ups or mark-downs. We, MLPF&amp;S and BofAS may act as principal or agent in these market-making transactions;
however, none of us is obligated to engage in any such transactions. At our respective discretion, for a short, undetermined initial period
after the issuance of the notes, we, MLPF&amp;S and BofAS may offer to buy the notes in the secondary market at a price that may exceed
the initial estimated value of the notes. Any price offered by us, MLPF&amp;S or BofAS for the notes will be based on then-prevailing
market conditions and other considerations, including the performance of the Underlying Fund and the remaining term of the notes. However,
none of us, MLPF&amp;S, BofAS or any of our respective affiliates is obligated to purchase your notes at any price or at any time, and
we cannot assure you that we, MLPF&amp;S, BofAS or any of our respective affiliates will purchase your notes at a price that equals or
exceeds the initial estimated value of the notes.</P>

<P STYLE="font: 5pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">The value of the notes shown on your account statement will be based
on BofAS&rsquo;s estimate of the value of the notes if BofAS or another of its affiliates were to make a market in the notes, which it
is not obligated to do. That estimate will be based upon the price that BofAS may pay for the notes in light of then-prevailing market
conditions, and other considerations, as mentioned above, and will include transaction costs. At certain times, this price may be higher
than or lower than the initial estimated value of the notes.</P>

<P STYLE="font: 5pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">The distribution of the Note Prospectus in connection with these offers
or sales will be solely for the purpose of providing investors with the description of the terms of the notes that was made available
to investors in connection with their initial offering. Secondary market investors should not, and will not be authorized to, rely on
the Note Prospectus for information regarding CIBC or for any purpose other than that described in the immediately preceding sentence.</P>




<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"></P>

<!-- Field: Page; Sequence: 13; Value: 2 -->
    <DIV STYLE="margin-top: 12pt; margin-bottom: 6pt"><TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse; font-family: Arial, Helvetica, Sans-Serif"><TR STYLE="vertical-align: top"><TD STYLE="width: 92%; border-top: green 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; font-size: 8pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt; color: #5b862b">Autocallable Contingent Coupon (with Memory) Notes</FONT></TD><TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; width: 8%; border-top: green 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt; color: #5b862b">TS-</FONT><FONT STYLE="color: #5b862b"><!-- Field: Sequence; Type: Arabic; Name: PageNo -->13<!-- Field: /Sequence --></FONT></TD></TR></TABLE></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse; font-family: Arial, Helvetica, Sans-Serif">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 81%; border-bottom: #5B862B 4.5pt solid; padding-right: 5.4pt; padding-left: 5.4pt; font-size: 9pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 16pt; color: #5b862b">Autocallable Contingent Coupon (with Memory) Notes<BR>
</FONT><FONT STYLE="color: #5b862b">Linked to the Financial Select Sector SPDR<SUP>&reg;</SUP> Fund, due April , 2028</FONT></TD>
    <TD STYLE="width: 19%; border-bottom: #5B862B 4.5pt solid; padding-right: 5.4pt; padding-left: 5.4pt">
    <P STYLE="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right; color: #5b862b">&nbsp;</P>
    <P STYLE="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right; color: #5b862b">&nbsp;</P></TD></TR>
  </TABLE>
<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="color: #5B862B; font: 20pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Structuring the Notes</P>

<P STYLE="font: 5pt Arial, Helvetica, Sans-Serif; color: rgb(91,134,43); margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">The notes are our debt securities, the return on which is linked to the
performance of the Underlying Fund. As is the case for all of our debt securities, including our market-linked notes, the economic terms
of the notes reflect our actual or perceived creditworthiness at the time of pricing. The internal funding rate we use in pricing the
market-linked notes is typically lower than the rate we would pay when we issue conventional fixed-rate debt securities of comparable
maturity. This difference is based on, among other things, our view of the funding value of the notes as well as the higher issuance,
operational and ongoing liability management costs of the notes in comparison to those costs for our conventional fixed-rate debt. This
generally relatively lower internal funding rate, which is reflected in the economic terms of the notes, along with the fees and charges
associated with market-linked notes, typically results in the initial estimated value of the notes on the pricing date being less than
their public offering price.</P>

<P STYLE="font: 5pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">We are required to pay any Contingent Coupon Payments (with Memory) and
the Call Payment or the Redemption Amount, as applicable to holders of the notes, which will be calculated based on the performance of
the Underlying Fund and the $10 per unit principal amount. In order to meet these payment obligations, at the time we issue the notes,
we may choose to enter into certain hedging arrangements (which may include call options, put options or other derivatives) with BofAS
or one of its affiliates. The terms of these hedging arrangements are determined by seeking bids from market participants, including BofAS
and its affiliates, and take into account a number of factors, including our creditworthiness, interest rate movements, the volatility
of the Underlying Fund, the tenor of the notes and the tenor of the hedging arrangements. The economic terms of the notes and their initial
estimated value depend in part on the terms of these hedging arrangements.</P>

<P STYLE="font: 5pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">For further information, see &ldquo;Risk Factors&mdash;Valuation- and
Market-related Risks&rdquo; beginning on page PS-12 of product supplement EQUITY CYN-1 and &ldquo;Use of Proceeds&rdquo; on page S-14
of prospectus supplement.</P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<!-- Field: Page; Sequence: 14; Value: 2 -->
    <DIV STYLE="margin-top: 12pt; margin-bottom: 6pt"><TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse; font-family: Arial, Helvetica, Sans-Serif"><TR STYLE="vertical-align: top"><TD STYLE="width: 92%; border-top: green 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; font-size: 8pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt; color: #5b862b">Autocallable Contingent Coupon (with Memory) Notes</FONT></TD><TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; width: 8%; border-top: green 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt; color: #5b862b">TS-</FONT><FONT STYLE="color: #5b862b"><!-- Field: Sequence; Type: Arabic; Name: PageNo -->14<!-- Field: /Sequence --></FONT></TD></TR></TABLE></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse; font-family: Arial, Helvetica, Sans-Serif">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 81%; border-bottom: #5B862B 4.5pt solid; padding-right: 5.4pt; padding-left: 5.4pt; font-size: 9pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 16pt; color: #5b862b">Autocallable Contingent Coupon (with Memory) Notes<BR>
</FONT><FONT STYLE="color: #5b862b">Linked to the Financial Select Sector SPDR<SUP>&reg;</SUP> Fund, due April , 2028</FONT></TD>
    <TD STYLE="width: 19%; border-bottom: #5B862B 4.5pt solid; padding-right: 5.4pt; padding-left: 5.4pt">
    <P STYLE="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right; color: #5b862b">&nbsp;</P>
    <P STYLE="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right; color: #5b862b">&nbsp;</P></TD></TR>
  </TABLE>
<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="color: #5B862B; font: 20pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Summary of Canadian Federal Income Tax Considerations</P>

<P STYLE="font: 5pt Arial, Helvetica, Sans-Serif; color: rgb(91,134,43); margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">In the opinion of Blake, Cassels &amp; Graydon LLP, our Canadian tax
counsel, the following summary describes the principal Canadian federal income tax considerations under the Income Tax Act (Canada) and
the regulations thereto (the &ldquo;Canadian Tax Act&rdquo;) generally applicable at the date hereof to a purchaser who acquires beneficial
ownership of a note pursuant to this term sheet and who for the purposes of the Canadian Tax Act and at all relevant times: (a) is neither
resident nor deemed to be resident in Canada; (b) deals at arm&rsquo;s length with CIBC and any transferee resident (or deemed to be resident)
in Canada to whom the purchaser disposes of the note; (c) does not use or hold and is not deemed to use or hold the note in, or in the
course of, carrying on a business in Canada; (d) is entitled to receive all payments (including any interest and principal) made on the
note; (e) is not a, and deals at arm&rsquo;s length with any, &ldquo;specified shareholder&rdquo; of CIBC for purposes of the thin capitalization
rules in the Canadian Tax Act; and (f) is not an entity in respect of which CIBC or any transferee resident (or deemed to be resident)
in Canada to whom the purchaser disposes of, loans or otherwise transfers the note is a &ldquo;specified entity&rdquo;, and is not a &ldquo;specified
entity&rdquo; in respect of such a transferee, in each case, for purposes of the Hybrid Mismatch Rules, as defined below (a &ldquo;Non-Resident
Holder&rdquo;). Special rules which apply to non-resident insurers carrying on business in Canada and elsewhere are not discussed in this
summary.</P>

<P STYLE="color: rgb(91,134,43); font: 5pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">This summary assumes that no amount paid or payable to a holder described
herein will be the deduction component of a &ldquo;hybrid mismatch arrangement&rdquo; under which the payment arises within the meaning
of the rules in the Canadian Tax Act with respect to &ldquo;hybrid mismatch arrangements&rdquo; (the &ldquo;Hybrid Mismatch Rules&rdquo;).
Investors should note that the Hybrid Mismatch Rules are highly complex and there remains significant uncertainty as to their interpretation
and application.</P>

<P STYLE="color: rgb(91,134,43); font: 5pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">This summary is supplemental to and should be read together with the
description of material Canadian federal income tax considerations relevant to a Non-Resident Holder owning notes under &ldquo;Material
Income Tax Consequences&mdash;Canadian Taxation&rdquo; in the accompanying prospectus and a Non-Resident Holder should carefully read
that description as well.</P>

<P STYLE="color: rgb(91,134,43); font: 5pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B>This summary is of a general nature only and is not intended to be,
nor should it be construed to be, legal or tax advice to any particular Non-Resident Holder. Non-Resident Holders are advised to consult
with their own tax advisors with respect to their particular circumstances.</B></P>

<P STYLE="font: 5pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B>&nbsp;</B></P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Based on Canadian tax counsel&rsquo;s understanding of the Canada Revenue
Agency&rsquo;s administrative policies, and having regard to the terms of the notes, interest payable on the notes should not be considered
to be &ldquo;participating debt interest&rdquo; as defined in the Canadian Tax Act and accordingly, a Non-Resident Holder should not be
subject to Canadian non-resident withholding tax in respect of amounts paid or credited or deemed to have been paid or credited by CIBC
on a note as, on account of or in lieu of payment of, or in satisfaction of, interest.</P>

<P STYLE="color: rgb(91,134,43); font: 5pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Non-Resident Holders should consult their own advisors regarding the
consequences to them of a disposition of the notes to a person with whom they are not dealing at arm&rsquo;s length for purposes of the
Canadian Tax Act.</P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"></P>

<!-- Field: Page; Sequence: 15; Value: 2 -->
    <DIV STYLE="margin-top: 12pt; margin-bottom: 6pt"><TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse; font-family: Arial, Helvetica, Sans-Serif"><TR STYLE="vertical-align: top"><TD STYLE="width: 92%; border-top: green 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; font-size: 8pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt; color: #5b862b">Autocallable Contingent Coupon (with Memory) Notes</FONT></TD><TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; width: 8%; border-top: green 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt; color: #5b862b">TS-</FONT><FONT STYLE="color: #5b862b"><!-- Field: Sequence; Type: Arabic; Name: PageNo -->15<!-- Field: /Sequence --></FONT></TD></TR></TABLE></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse; font-family: Arial, Helvetica, Sans-Serif">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 81%; border-bottom: #5B862B 4.5pt solid; padding-right: 5.4pt; padding-left: 5.4pt; font-size: 9pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 16pt; color: #5b862b">Autocallable Contingent Coupon (with Memory) Notes<BR>
</FONT><FONT STYLE="color: #5b862b">Linked to the Financial Select Sector SPDR<SUP>&reg;</SUP> Fund, due April , 2028</FONT></TD>
    <TD STYLE="width: 19%; border-bottom: #5B862B 4.5pt solid; padding-right: 5.4pt; padding-left: 5.4pt">
    <P STYLE="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right; color: #5b862b">&nbsp;</P>
    <P STYLE="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right; color: #5b862b">&nbsp;</P></TD></TR>
  </TABLE>
<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="color: #5B862B; font: 20pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Summary of U.S. Federal Income Tax Consequences</P>

<P STYLE="color: rgb(91,134,43); font: 5pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">The following discussion is a brief summary of the material U.S. federal
income tax consequences relating to an investment in the notes. The following summary is not complete and is both qualified and supplemented
by, or in some cases supplements, the discussion entitled &ldquo;U.S. Federal Income Tax Summary&rdquo; in product supplement EQUITY CYN-1,
which you should carefully review prior to investing in the notes.</P>

<P STYLE="color: rgb(91,134,43); font: 5pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">The U.S. federal income tax consequences of your investment in the notes
are uncertain. No statutory, judicial or administrative authority directly discusses how the notes should be treated for U.S. federal
income tax purposes. In the opinion of our tax counsel Mayer Brown LLP, it would generally be reasonable to treat the notes as prepaid
derivative contracts. Pursuant to the terms of the notes, you agree to treat the notes in this manner for all U.S. federal income tax
purposes. If your notes are so treated, you should generally recognize capital gain or loss upon the sale, exchange, redemption or payment
at maturity in an amount equal to the difference between the amount you receive at such time and the amount that you paid for your notes.
Such gain or loss should generally be long-term capital gain or loss if you have held your notes for more than one year.</P>

<P STYLE="color: rgb(91,134,43); font: 5pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">If you are a U.S. Holder, although the treatment of the Contingent Coupon
Payments (with Memory) is unclear, we intend to treat the Contingent Coupon Payments (with Memory), including on the maturity date, as
ordinary income includible by you at the time such payments accrue or are received in accordance with your normal method of accounting
for U.S. federal income tax purposes. If you are an accrual method taxpayer who keeps an applicable financial statement, you may be required
to include Contingent Coupon Payments (with Memory) in income earlier than under your regular method of tax accounting if the income is
recognized earlier on such applicable financial statement.</P>

<P STYLE="color: rgb(91,134,43); font: 5pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">The characterization described above is not binding on the U.S. Internal
Revenue Service (the &ldquo;IRS&rdquo;) or the courts. Thus, it is possible that the IRS would seek to characterize your notes in a manner
that results in tax consequences to you that are different from those described above or in the accompanying product supplement. For a
more detailed discussion of certain alternative characterizations with respect to your notes and certain other considerations with respect
to your investment in the notes, you should consider the discussion set forth in &ldquo;U.S. Federal Income Tax Summary&rdquo; of the
product supplement. We are not responsible for any adverse consequences that you may experience as a result of any alternative characterization
of the notes for U.S. federal income tax or other tax purposes.</P>

<P STYLE="color: rgb(91,134,43); font: 5pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">With respect to the discussion in the product supplement regarding &ldquo;dividend
equivalent&rdquo; payments, the IRS has issued a notice that provides that withholding on dividend equivalent payments will not apply
to specified ELIs that are not delta-one instruments and that are issued before January 1, 2027.</P>

<P STYLE="color: rgb(91,134,43); font: 5pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B>You should consult your tax advisor as to the tax consequences of
such characterization and any possible alternative characterizations of the notes for U.S. federal income tax purposes. You should also
consult your tax advisor concerning the U.S. federal income tax and other tax consequences of your investment in the notes in your particular
circumstances, including the application of state, local or other tax laws and the possible effects of changes in federal or other tax
laws.</B></P>

<P STYLE="color: rgb(91,134,43); font: 5pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="color: #5B862B; font: 20pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Where You Can Find More Information</P>

<P STYLE="font: 5pt Arial, Helvetica, Sans-Serif; color: rgb(91,134,43); margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">We have filed a registration statement (including a product supplement,
a prospectus supplement, and a prospectus) with the SEC for the offering to which this term sheet relates. Before you invest, you should
read the Note Prospectus, including this term sheet, and the other documents that we have filed with the SEC, for more complete information
about us and this offering. You may get these documents without cost by visiting EDGAR on the SEC website at www.sec.gov. Alternatively,
we, any agent, or any dealer participating in this offering will arrange to send you these documents if you so request by calling MLPF&amp;S
or BofAS toll-free at 1-800-294-1322.</P>



<P STYLE="margin: 0">&nbsp;</P>

<P STYLE="margin: 0"></P>

<!-- Field: Page; Sequence: 16; Options: Last -->
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    <!-- Field: /Page -->

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end
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
