<SEC-DOCUMENT>0001104659-25-056413.txt : 20250604
<SEC-HEADER>0001104659-25-056413.hdr.sgml : 20250604
<ACCEPTANCE-DATETIME>20250604162356
ACCESSION NUMBER:		0001104659-25-056413
CONFORMED SUBMISSION TYPE:	FWP
PUBLIC DOCUMENT COUNT:		6
FILED AS OF DATE:		20250604
DATE AS OF CHANGE:		20250604

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:		251023427

	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>tm2513758d56_fwp.htm
<DESCRIPTION>FWP
<TEXT>
<HTML>
<HEAD>
     <TITLE></TITLE>
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<BODY STYLE="font: 10pt Times New Roman, Times, Serif">

<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="white-space: nowrap; width: 40%; border: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; width: 20%; 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: center; color: red"><B>Subject to Completion</B></P>
    <P STYLE="font: 7pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center; color: red"><B>Preliminary Term Sheet</B></P>
    <P STYLE="font: 7pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center; color: red"><B>dated June 4, 2025</B></P></TD>
    <TD STYLE="white-space: nowrap; width: 40%; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 14.3pt; font-size: 10pt; text-align: right; text-indent: -14.3pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 7pt"><B>Filed
    Pursuant to Rule&nbsp;433<BR>
    Registration Statement No.&nbsp;333-272447<BR>
    ( To Prospectus dated September&nbsp;5, 2023,<BR>
    Prospectus Supplement dated September&nbsp;5, 2023 and<BR>
    Product Supplement EQUITY STR-1 dated September&nbsp;5, 2023)</B></FONT></TD></TR>
  </TABLE>
<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; background-color: #1F497D">
    <TD COLSPAN="2" STYLE="padding: 2pt 5.4pt">
    <P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: white">&nbsp;</P>
    <P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: white">&nbsp;&nbsp;&nbsp;&nbsp;Units<BR>
    $10 principal amount per unit<BR>
    CUSIP No.&nbsp;&nbsp;&nbsp;&nbsp;</P></TD>
    <TD STYLE="padding: 2pt 5.4pt">
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: white">&nbsp;</P>
    <P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: white">Pricing Date*<BR>
    Settlement Date*<BR>
    Maturity Date*</P></TD>
    <TD STYLE="padding: 2pt 5.4pt">
    <P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right; color: white">&nbsp;</P>
    <P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right; color: white">June&nbsp; , 2025</P>
    <P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right; color: white">June&nbsp; , 2025</P>
    <P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right; color: white">June&nbsp; , 2028</P></TD></TR>
  <TR STYLE="vertical-align: top; background-color: #1F497D">
    <TD COLSPAN="2" STYLE="padding: 2pt 5.4pt">&nbsp;<IMG SRC="tm2513758d56_fwpimg001.jpg" ALT=""></TD>
    <TD COLSPAN="2" STYLE="padding: 2pt 5.4pt">
    <P STYLE="font: 7pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; 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;)</P>
    <P STYLE="font: 7pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: white">&nbsp;</P></TD></TR>
  <TR STYLE="font-size: 7pt; vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; width: 25%; background-color: #046E87; font-size: 7pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; width: 25%; background-color: #C87D0E; font-size: 7pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; width: 23%; background-color: #5C255C; font-size: 7pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; width: 27%; background-color: #61961A; font-size: 7pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top; background-color: #1F497D">
    <TD COLSPAN="4" STYLE="padding: 2pt 5.4pt">
    <P STYLE="font: 18pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: white"><B>Autocallable Strategic Accelerated Redemption Securities<SUP>&reg;
    </SUP>Linked to the VanEck<SUP>&reg;</SUP> Gold Miners ETF</B></P>
    <P STYLE="font: 5pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.25in; text-indent: -0.25in; color: white">&nbsp;</P>
    <P STYLE="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.25in; text-indent: -0.25in; color: white"><FONT STYLE="font-family: Wingdings">&sect;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Automatically
    callable if the Observation Level of the Underlying Fund on any Observation Date, occurring approximately one, two and three years after
    the pricing date, is at or above the Starting Value</FONT></P>
    <P STYLE="font: 5pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.25in; text-indent: -0.25in; color: white">&nbsp;</P>
    <P STYLE="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.25in; text-indent: -0.25in; color: white"><FONT STYLE="font-family: Wingdings">&sect;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;In
    the event of an automatic call, the amount payable per unit will be:</FONT></P>
    <P STYLE="font: 5pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.25in; text-indent: -0.25in; color: white">&nbsp;</P>
    <P STYLE="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.25in; text-indent: -1pt; color: white"><FONT STYLE="font-family: Wingdings">&sect;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;[$11.50
    to $11.60] if called on the first Observation Date</FONT></P>
    <P STYLE="font: 5pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.25in; text-indent: -1pt; color: white">&nbsp;</P>
    <P STYLE="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.25in; text-indent: -1pt; color: white"><FONT STYLE="font-family: Wingdings">&sect;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;[$13.00
    to $13.20] if called on the second Observation Date</FONT></P>
    <P STYLE="font: 5pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.25in; text-indent: -1pt; color: white">&nbsp;</P>
    <P STYLE="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.25in; text-indent: -1pt; color: white"><FONT STYLE="font-family: Wingdings">&sect;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;[$14.50
    to $14.80] if called on the final Observation Date</FONT></P>
    <P STYLE="font: 5pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.25in; text-indent: -1pt; color: white">&nbsp;</P>
    <P STYLE="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.25in; text-indent: -0.25in; color: white"><FONT STYLE="font-family: Wingdings">&sect;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;If
    not called on the first two Observation Dates, a maturity of approximately three years</FONT></P>
    <P STYLE="font: 5pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.25in; text-indent: -0.25in; color: white">&nbsp;</P>
    <P STYLE="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.25in; text-indent: -0.25in; color: white"><FONT STYLE="font-family: Wingdings">&sect;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;If
    not called, 1-to-1 downside exposure to decreases in the Underlying Fund, with up to 100.00% of the principal amount at risk</FONT></P>
    <P STYLE="font: 5pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.25in; text-indent: -0.25in; color: white">&nbsp;</P>
    <P STYLE="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.25in; text-indent: -0.25in; color: white"><FONT STYLE="font-family: Wingdings">&sect;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;All
    payments are subject to the credit risk of Canadian Imperial Bank of Commerce</FONT></P>
    <P STYLE="font: 5pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.25in; text-indent: -0.25in; color: white">&nbsp;</P>
    <P STYLE="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.25in; text-indent: -0.25in; color: white"><FONT STYLE="font-family: Wingdings">&sect;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;No
    periodic interest payments</FONT></P>
    <P STYLE="font: 5pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.25in; text-indent: -0.25in; color: white">&nbsp;</P>
    <P STYLE="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.25in; text-indent: -0.25in; color: white"><FONT STYLE="font-family: Wingdings">&sect;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;In
    addition to the underwriting discount set forth below, the notes include a hedging-related charge of $0.05 per unit. See &ldquo;Structuring
    the Notes&rdquo;</FONT></P>
    <P STYLE="font: 5pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.25in; text-indent: -0.25in; color: white">&nbsp;</P>
    <P STYLE="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.25in; text-indent: -0.25in; color: white"><FONT STYLE="font-family: Wingdings">&sect;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Limited
    secondary market liquidity, with no exchange listing</FONT></P>
    <P STYLE="font: 5pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.25in; text-indent: -0.25in; color: white">&nbsp;</P>
    <P STYLE="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.25in; text-indent: -0.25in; color: white"><FONT STYLE="font-family: Wingdings">&sect;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&#8239;&#8239;&#8239;&#8239;&#8239;&#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</FONT></P></TD></TR>
  <TR STYLE="font-size: 7pt; vertical-align: top; background-color: #B8CCE4">
    <TD COLSPAN="4" STYLE="padding-right: 5.4pt; padding-left: 5.4pt; font-size: 7pt">&nbsp;</TD></TR>
  </TABLE>

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

<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&nbsp;TS-6 of this term sheet and &ldquo;Risk
Factors&rdquo; beginning on page&nbsp;PS-7 of product supplement EQUITY STR-1.</B></P>

<P STYLE="font: 10pt 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 $9.222 and $9.525 <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&nbsp;TS-6 of this
term sheet and &ldquo;Structuring the Notes&rdquo; on page&nbsp;TS-13 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: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</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: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"></P>

<!-- Field: Rule-Page --><DIV STYLE="margin: 0 auto; width: 25%"><DIV STYLE="font-size: 1pt; border-top: Black 1pt solid">&nbsp;</DIV></DIV><!-- Field: /Rule-Page -->

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" ALIGN="CENTER" STYLE="width: 80%; border-collapse: collapse; font-family: Arial, Helvetica, Sans-Serif">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 42%; padding-right: 5.4pt; padding-left: 5.4pt; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="width: 26%; padding-right: 5.4pt; padding-left: 5.4pt; font-size: 10pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><U>Per Unit</U></FONT></TD>
    <TD STYLE="width: 32%; padding-right: 5.4pt; padding-left: 5.4pt; font-size: 10pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><U>Total</U></FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; font-size: 10pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Public offering price<SUP>(1)&#9;</SUP></FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; font-size: 10pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$&#8239;&#8239;&#8239;&#8239;10.00</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; font-size: 10pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; font-size: 10pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Underwriting discount<SUP>(1)&#9;</SUP></FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; font-size: 10pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;0.20</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; font-size: 10pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; font-size: 10pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Proceeds, before expenses, to CIBC</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; font-size: 10pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;9.80</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; font-size: 10pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 9pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in">(1)</TD><TD>For any purchase of 300,000 units or more in a single transaction by an individual investor or in combined transactions with the investor's
household in this offering, the public offering price and the underwriting discount will be $9.95 per unit and $0.15 per unit, respectively.
See &ldquo;Supplement to the Plan of Distribution&rdquo; below.</TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

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

<TABLE CELLSPACING="0" CELLPADDING="0" ALIGN="CENTER" STYLE="width: 80%; border-collapse: collapse; font-family: Arial, Helvetica, Sans-Serif">
  <TR STYLE="vertical-align: top">
    <TD STYLE="border: Black 1pt solid; padding: 3pt 5.4pt; width: 33%; font-size: 10pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>Are Not FDIC Insured</B></FONT></TD>
    <TD STYLE="border-top: Black 1pt solid; padding: 3pt 5.4pt; width: 35%; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font-size: 10pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>Are Not Bank Guaranteed</B></FONT></TD>
    <TD STYLE="border-top: Black 1pt solid; padding: 3pt 5.4pt; width: 32%; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font-size: 10pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>May&nbsp;Lose Value</B></FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 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">June&nbsp;&nbsp;&nbsp; , 2025</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt 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: 10pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 16pt; color: #5B862B">Autocallable
    Strategic Accelerated Redemption Securities<SUP>&reg;</SUP> <BR>
    </FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt; color: #5B862B">Linked to the VanEck<SUP>&reg;</SUP>
    Gold Miners ETF, due June&nbsp;&nbsp;&nbsp;, 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: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 7pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">The Autocallable Strategic Accelerated Redemption Securities<SUP>&reg;
</SUP>Linked to the VanEck<SUP>&reg;</SUP> Gold Miners ETF, due June&nbsp; , 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&nbsp;6 of the prospectus). <B>The notes will rank equally with all of our other unsecured and unsubordinated
debt. Any payments due on the notes, including any repayment of principal, will be subject to the credit risk of CIBC. </B>The notes will
be automatically called at the applicable Call Amount if the Observation Level of the Market Measure, which is the VanEck<SUP>&reg;</SUP>
Gold Miners ETF (the &ldquo;Underlying Fund&rdquo;), on any Observation Date is equal to or greater than the Starting Value. You will
not receive any notice from us if the notes are automatically called. If your notes are not called, you will lose all or a portion of
the principal amount of your notes. Any 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: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 7pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">The economic terms of the notes (including the Call Premiums and the
Call Amounts) 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 the
hedging-related charge and certain service fee 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: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 7pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">On the cover page&nbsp;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&nbsp;TS-13.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>


<DIV STYLE="float: left; width: 49%">

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 12pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 1pt 5.4pt; background-color: #F2F2F2; width: 25%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 7.5pt; color: #5B8F22"><B>Issuer:</B></FONT></TD>
    <TD STYLE="padding: 1pt 5.4pt; width: 75%"><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="padding: 1pt 5.4pt; background-color: #F2F2F2"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 7.5pt; color: #5B8F22"><B>Principal Amount:</B></FONT></TD>
    <TD STYLE="padding: 1pt 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="padding: 1pt 5.4pt; background-color: #F2F2F2"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 7.5pt; color: #5B8F22"><B>Term:</B></FONT></TD>
    <TD STYLE="padding: 1pt 5.4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 7.5pt">Approximately </FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">three years</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 7.5pt">, if not called on the first two Observation Dates.</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 1pt 5.4pt; background-color: #F2F2F2"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 7.5pt; color: #5B8F22"><B>Market Measure:</B></FONT></TD>
    <TD STYLE="padding: 1pt 5.4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 7.5pt">The VanEck<SUP>&reg;</SUP> Gold Miners ETF (Bloomberg symbol: &ldquo;GDX&rdquo;).</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 1pt 5.4pt; background-color: #F2F2F2"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 7.5pt; color: #5B8F22"><B>Starting Value:</B></FONT></TD>
    <TD STYLE="padding: 1pt 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="padding: 1pt 5.4pt; background-color: #F2F2F2"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 7.5pt; color: #5B8F22"><B>Ending Value:</B></FONT></TD>
    <TD STYLE="padding: 1pt 5.4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 7.5pt">The Observation Level of the Underlying Fund on the final Observation Date. </FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 1pt 5.4pt; background-color: #F2F2F2"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 7.5pt; color: #5B8F22"><B>Observation Level:</B></FONT></TD>
    <TD STYLE="padding: 1pt 5.4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 7.5pt">The Closing Market Price of the Underlying Fund on any Observation Date times its Price Multiplier as of that day.</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 1pt 5.4pt; background-color: #F2F2F2"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 7.5pt; color: #5B8F22"><B>Observation Dates:</B></FONT></TD>
    <TD STYLE="padding: 1pt 5.4pt">
    <P STYLE="font: 7.5pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">On or about June&nbsp;, 2026, June&nbsp;, 2027 and June&nbsp;, 2028
    (the final Observation Date), approximately one, two and three years after the pricing date.</P>
    <P STYLE="font: 7.5pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">The scheduled Observation Dates are subject to postponement in the
    event of Market Disruption Events, as described on page&nbsp;PS-22 of product supplement EQUITY STR-1.</P></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 1pt 5.4pt; background-color: #F2F2F2"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 7.5pt; color: #5B8F22"><B>Call Level:</B></FONT></TD>
    <TD STYLE="padding: 1pt 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="padding: 1pt 5.4pt; background-color: #F2F2F2"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 7.5pt; color: #5B8F22"><B>Call Amounts (per Unit) and Call Premiums:</B></FONT></TD>
    <TD STYLE="padding: 1pt 5.4pt">
    <P STYLE="font: 7.5pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">[$11.50 to $11.60], representing a Call Premium of [15.00% to 16.00%]
    of the principal amount, if called on the first Observation Date; [$13.00 to $13.20], representing a Call Premium of [30.00% to 32.00%]
    of the principal amount, if called on the second Observation Date; and [$14.50 to $14.80], representing a Call Premium of [45.00% to 48.00%]
    of the principal amount, if called on the final Observation Date.</P>
    <P STYLE="font: 7.5pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">The actual Call Amounts and Call Premiums will be determined on the
    pricing date</P></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 1pt 5.4pt; background-color: #F2F2F2"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 7.5pt; color: #5B8F22"><B>Call Settlement Dates:</B></FONT></TD>
    <TD STYLE="padding: 1pt 5.4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 7.5pt">Approximately the fifth business day following the applicable Observation Date, subject to postponement as described on page&nbsp;PS-22 of product supplement EQUITY STR-1; provided however, that the Call Settlement Date related to the final Observation Date will be the maturity date.</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 1pt 5.4pt; background-color: #F2F2F2"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 7.5pt; color: #5B8F22"><B>Threshold Value:</B></FONT></TD>
    <TD STYLE="padding: 1pt 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="padding: 1pt 5.4pt; background-color: #F2F2F2"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 7.5pt; color: #5B8F22"><B>Price Multiplier:</B></FONT></TD>
    <TD STYLE="padding: 1pt 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, as described beginning on page&nbsp;PS-27 of product supplement EQUITY STR-1. </FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 1pt 5.4pt; background-color: #F2F2F2"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 7.5pt; color: #5B8F22"><B>Fees and Charges:</B></FONT></TD>
    <TD STYLE="padding: 1pt 5.4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 7.5pt">The underwriting discount of $0.20 per unit listed on the cover page&nbsp;and the hedging-related charge of $0.05 per unit described in &ldquo;Structuring the Notes&rdquo; on page&nbsp;TS-13.</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 1pt 5.4pt; background-color: #F2F2F2"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 7.5pt; color: #5B8F22"><B>Calculation Agent:</B></FONT></TD>
    <TD STYLE="padding: 1pt 5.4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 7.5pt">BofA Securities,&nbsp;Inc. (&ldquo;BofAS&rdquo;)</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"></P>

</DIV>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"></P>

<DIV STYLE="float: right; width: 49%">

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5B862B"><B>Automatic Call Provision:</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><IMG SRC="tm2513758d56_fwpimg002.jpg" ALT=""></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5B862B"><B>Redemption Amount Determination:</B></P>

<P STYLE="font: 8.5pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">If the notes are not called, you will receive the Redemption Amount
per unit on the maturity date, determined as follows:</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"><IMG SRC="tm2513758d56_fwpimg003.jpg" ALT=""></P>

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

<P STYLE="font: 7pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B><I>Because the Threshold Value for the notes is equal to the Starting
Value, you will lose all or a portion of your investment if the Ending Value is less than the Starting Value.</I></B></P>

</DIV>

<DIV STYLE="clear: both; width: 100%">

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

</DIV>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"></P>

<!-- Field: Page; Sequence: 2; Options: NewSection; Value: 2 -->
    <DIV STYLE="margin-top: 12pt; margin-bottom: 6pt"><P STYLE="margin: 0pt"></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: 92%; border-top: green 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; font-size: 10pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt; color: #5B862B">Autocallable Strategic Accelerated Redemption Securities<SUP>&reg;</SUP></FONT></TD><TD STYLE="width: 8%; border-top: green 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; font-size: 10pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt; color: #5B862B">TS-<!-- Field: Sequence; Type: Arabic; Name: PageNo -->2<!-- Field: /Sequence --></FONT></TD></TR></TABLE><P STYLE="margin: 0pt"></P></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt 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: 10pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 16pt; color: #5B862B">Autocallable
    Strategic Accelerated Redemption Securities<SUP>&reg;</SUP> <BR>
    </FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt; color: #5B862B">Linked to the VanEck<SUP>&reg;</SUP>
    Gold Miners ETF, due June&nbsp;&nbsp;&nbsp;, 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: 10pt 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: 10pt 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: 0.25in"><FONT STYLE="font-family: Wingdings; color: rgb(118,146,60)">&sect;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Product supplement EQUITY STR-1 dated September&nbsp;5, 2023:</FONT></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; text-indent: 0.25in"><A HREF="https://www.sec.gov/Archives/edgar/data/1045520/000110465923098260/tm2325339d4_424b5.htm">https://www.sec.gov/Archives/edgar/data/1045520/000110465923098260/tm2325339d4_424b5.htm</A></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"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Wingdings; color: rgb(118,146,60)">&sect;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Prospectus supplement dated September&nbsp;5, 2023:</FONT></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; text-indent: 0.25in"> <A HREF="https://www.sec.gov/Archives/edgar/data/1045520/000110465923098166/tm2322483d94_424b5.htm">https://www.sec.gov/Archives/edgar/data/1045520/000110465923098166/tm2322483d94_424b5.htm</A></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"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Wingdings; color: rgb(118,146,60)">&sect;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Prospectus
dated September&nbsp;5, 2023:</FONT></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; text-indent: 0.25in"><A HREF="https://www.sec.gov/Archives/edgar/data/1045520/000110465923098163/tm2325339d10_424b3.htm">https://www.sec.gov/Archives/edgar/data/1045520/000110465923098163/tm2325339d10_424b3.htm</A>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&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&nbsp;&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 STR-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: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>


<DIV STYLE="float: left; width: 48%">

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.1in"><B>You may wish to consider an investment in the notes if:</B></P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 9pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.1in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Wingdings; color: rgb(118,146,60)">&sect;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">You anticipate that the Observation Level of the Underlying Fund on any of
the Observation Dates will be equal to or greater than the Starting Value and, in that case, you accept an early exit from your investment.</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 9pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.1in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Wingdings; color: rgb(118,146,60)">&sect;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">You accept that the return on the notes will be limited to the return represented
by the applicable Call Premium even if the percentage change in the price of the Underlying Fund is significantly greater than the applicable
Call Premium.</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 9pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.1in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Wingdings; color: rgb(118,146,60)">&sect;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">You are willing to risk a loss of principal if the notes are not automatically
called.</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 9pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.1in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Wingdings; color: rgb(118,146,60)">&sect;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">You are willing to forgo the interest payments that are paid on conventional
interest bearing debt securities.</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 9pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.1in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Wingdings; color: rgb(118,146,60)">&sect;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">You are willing to forgo dividends or other benefits of owning shares of the
Underlying Fund or the securities held by the Underlying Fund.</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 9pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.1in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Wingdings; color: rgb(118,146,60)">&sect;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">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.</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 9pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.1in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Wingdings; color: rgb(118,146,60)">&sect;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">You are willing to assume our credit risk, as issuer of the notes, for all
payments under the notes, including the Call Amount or the Redemption Amount.</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"></P>

</DIV>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"></P>

<DIV STYLE="float: right; width: 48%">

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.1in"><B>The notes may not be an appropriate investment for you if:</B></P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 9pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.1in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Wingdings; color: rgb(118,146,60)">&sect;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">You wish to make an investment that cannot be automatically called prior to
maturity.</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 9pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.1in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Wingdings; color: rgb(118,146,60)">&sect;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">You anticipate that the Observation Level will be less than the Call Level
on each Observation Date.</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 9pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.1in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Wingdings; color: rgb(118,146,60)">&sect;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">You seek an uncapped return on your investment.</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 9pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.1in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Wingdings; color: rgb(118,146,60)">&sect;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">You seek principal repayment or preservation of capital.</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 9pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.1in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Wingdings; color: rgb(118,146,60)">&sect;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">You seek interest payments or other current income on your investment.</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 9pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.1in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Wingdings; color: rgb(118,146,60)">&sect;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">You want to receive dividends or other distributions paid on shares of the
Underlying Fund or the securities held by the Underlying Fund.</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 9pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.1in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Wingdings; color: rgb(118,146,60)">&sect;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">You seek an investment for which there will be a liquid secondary market.</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 9pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.1in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Wingdings; color: rgb(118,146,60)">&sect;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">You are unwilling or are unable to take market risk on the notes or to take
our credit risk as issuer of the notes.</FONT></TD></TR></TABLE>

<P STYLE="font: 12pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"></P>

</DIV>

<DIV STYLE="clear: both; width: 100%">

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

</DIV>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"></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: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"></P>

<!-- Field: Page; Sequence: 3; Value: 2 -->
    <DIV STYLE="margin-top: 12pt; margin-bottom: 6pt"><P STYLE="margin: 0pt"></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: 92%; border-top: green 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; font-size: 10pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt; color: #5B862B">Autocallable Strategic Accelerated Redemption Securities<SUP>&reg;</SUP></FONT></TD><TD STYLE="width: 8%; border-top: green 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; font-size: 10pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt; color: #5B862B">TS-<!-- Field: Sequence; Type: Arabic; Name: PageNo -->3<!-- Field: /Sequence --></FONT></TD></TR></TABLE><P STYLE="margin: 0pt"></P></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt 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: 10pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 16pt; color: #5B862B">Autocallable
    Strategic Accelerated Redemption Securities<SUP>&reg;</SUP> <BR>
    </FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt; color: #5B862B">Linked to the VanEck<SUP>&reg;</SUP>
    Gold Miners ETF, due June&nbsp;&nbsp;&nbsp;, 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: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

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

<P STYLE="font: 10pt 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 Call Amount
or 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, Threshold Value, Call Level, Observation Levels, Call Premiums, and term of your investment.</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">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: 10pt 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: 0.5in">1)</TD><TD>a Starting Value of 100.00;</TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"></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: 0.5in">2)</TD><TD>a Threshold Value of 100.00;</TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"></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: 0.5in">3)</TD><TD>a Call Level of 100.00;</TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"></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: 0.5in">4)</TD><TD>an expected term of the notes of approximately three years, if the notes are not called on the first two Observation Dates;</TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"></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: 0.5in">5)</TD><TD>a Call Premium of 15.50% of the principal amount if the notes are called on the first Observation Date; 31.00% if called on the second
Observation Date; and 46.50% if called on the final Observation Date (the midpoint of the applicable Call Premium ranges); and</TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"></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: 0.5in">6)</TD><TD>Observation Dates occurring approximately one, two and three years after the pricing date.</TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">The <B>hypothetical</B> Starting Value of 100.00 used in these examples
has been chosen for illustrative purposes only, and does not represent a likely actual Starting Value of the Underlying Fund. 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: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><I><U>Notes Are Called on an Observation Date</U></I></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">The notes will be called at $10.00 plus the applicable Call Premium if
the Observation Level on one of the Observation Dates is equal to or greater than the Call Level. After the notes are called, they will
no longer remain outstanding and there will not be any further payments on the notes.</P>

<P STYLE="font: 10pt 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 Level on the first Observation Date
is 110.00. Therefore, the notes will be called at $10.00 plus the Call Premium of $1.55 = $11.55 per unit.</P>

<P STYLE="font: 10pt 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 Level on the first Observation Date
is below the Call Level, but the Observation Level on the second Observation Date is 150.00. Therefore, the notes will be called at $10.00
plus the Call Premium of $3.10 = $13.10 per unit.</P>

<P STYLE="font: 10pt 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 Levels on the first two Observation
Dates are below the Call Level, but the Observation Level on the third and final Observation Date is 105.00. Therefore, the notes will
be called at $10.00 plus the Call Premium of $4.65 = $14.65 per unit.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><I><U>Notes Are Not Called on Any Observation Date</U></I></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B>Example 4</B> - The notes are not called on any Observation Date and
the Ending Value is less than the Threshold Value. The Redemption Amount will be less, and possibly significantly less, than the principal
amount. For example, if the Ending Value is 50.00, the Redemption Amount per unit will be:</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="text-align: center; font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><IMG SRC="tm2513758d56_fwpimg004.jpg" ALT=""></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"></P>

<!-- Field: Page; Sequence: 4; Value: 2 -->
    <DIV STYLE="margin-top: 12pt; margin-bottom: 6pt"><P STYLE="margin: 0pt"></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: 92%; border-top: green 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; font-size: 10pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt; color: #5B862B">Autocallable Strategic Accelerated Redemption Securities<SUP>&reg;</SUP></FONT></TD><TD STYLE="width: 8%; border-top: green 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; font-size: 10pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt; color: #5B862B">TS-<!-- Field: Sequence; Type: Arabic; Name: PageNo -->4<!-- Field: /Sequence --></FONT></TD></TR></TABLE><P STYLE="margin: 0pt"></P></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt 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: 10pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 16pt; color: #5B862B">Autocallable
    Strategic Accelerated Redemption Securities<SUP>&reg;</SUP> <BR>
    </FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt; color: #5B862B">Linked to the VanEck<SUP>&reg;</SUP>
    Gold Miners ETF, due June&nbsp;&nbsp;&nbsp;, 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: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" ALIGN="CENTER" STYLE="width: 90%; font: 9pt Arial, Helvetica, Sans-Serif; border-collapse: collapse">
  <TR>
    <TD COLSPAN="5" STYLE="vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt">
    <P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B>Summary of the Hypothetical Examples</B></P>
    <P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P></TD>
    </TR>
  <TR>
    <TD STYLE="white-space: nowrap; vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="white-space: nowrap; vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><B>Notes Are Called on an Observation Date</B></TD>
    <TD STYLE="white-space: nowrap; vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><B>Notes Are Not
    Called on Any<BR> Observation Date</B></TD>
    </TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; width: 32%">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; width: 15%"><B>Example 1</B></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; width: 15%"><B>Example 2</B></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; width: 15%"><B>Example 3</B></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; width: 23%"><B>Example 4</B></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-bottom: 3pt; padding-left: 5.4pt">Starting Value</TD>
    <TD STYLE="padding-right: 5.4pt; padding-bottom: 3pt; padding-left: 5.4pt; text-align: center">100.00</TD>
    <TD STYLE="padding-right: 5.4pt; padding-bottom: 3pt; padding-left: 5.4pt; text-align: center">100.00</TD>
    <TD STYLE="padding-right: 5.4pt; padding-bottom: 3pt; padding-left: 5.4pt; text-align: center">100.00</TD>
    <TD STYLE="padding-right: 5.4pt; padding-bottom: 3pt; padding-left: 5.4pt; text-align: center">100.00</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-bottom: 3pt; padding-left: 5.4pt">Call Level</TD>
    <TD STYLE="padding-right: 5.4pt; padding-bottom: 3pt; padding-left: 5.4pt; text-align: center">100.00</TD>
    <TD STYLE="padding-right: 5.4pt; padding-bottom: 3pt; padding-left: 5.4pt; text-align: center">100.00</TD>
    <TD STYLE="padding-right: 5.4pt; padding-bottom: 3pt; padding-left: 5.4pt; text-align: center">100.00</TD>
    <TD STYLE="padding-right: 5.4pt; padding-bottom: 3pt; padding-left: 5.4pt; text-align: center">100.00</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-bottom: 3pt; padding-left: 5.4pt">Threshold Value</TD>
    <TD STYLE="padding-right: 5.4pt; padding-bottom: 3pt; padding-left: 5.4pt; text-align: center">100.00</TD>
    <TD STYLE="padding-right: 5.4pt; padding-bottom: 3pt; padding-left: 5.4pt; text-align: center">100.00</TD>
    <TD STYLE="padding-right: 5.4pt; padding-bottom: 3pt; padding-left: 5.4pt; text-align: center">100.00</TD>
    <TD STYLE="padding-right: 5.4pt; padding-bottom: 3pt; padding-left: 5.4pt; text-align: center">100.00</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-bottom: 3pt; padding-left: 5.4pt">Observation Level on the First Observation Date</TD>
    <TD STYLE="padding-right: 5.4pt; padding-bottom: 3pt; padding-left: 5.4pt; text-align: center">110.00</TD>
    <TD STYLE="padding-right: 5.4pt; padding-bottom: 3pt; padding-left: 5.4pt; text-align: center">90.00</TD>
    <TD STYLE="padding-right: 5.4pt; padding-bottom: 3pt; padding-left: 5.4pt; text-align: center">90.00</TD>
    <TD STYLE="padding-right: 5.4pt; padding-bottom: 3pt; padding-left: 5.4pt; text-align: center">88.00</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-bottom: 3pt; padding-left: 5.4pt">Observation Level on the Second Observation Date</TD>
    <TD STYLE="padding-right: 5.4pt; padding-bottom: 3pt; padding-left: 5.4pt; text-align: center">N/A</TD>
    <TD STYLE="padding-right: 5.4pt; padding-bottom: 3pt; padding-left: 5.4pt; text-align: center">150.00</TD>
    <TD STYLE="padding-right: 5.4pt; padding-bottom: 3pt; padding-left: 5.4pt; text-align: center">80.00</TD>
    <TD STYLE="padding-right: 5.4pt; padding-bottom: 3pt; padding-left: 5.4pt; text-align: center">78.00</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-bottom: 3pt; padding-left: 5.4pt">Observation Level on the Final Observation Date</TD>
    <TD STYLE="padding-right: 5.4pt; padding-bottom: 3pt; padding-left: 5.4pt; text-align: center">N/A</TD>
    <TD STYLE="padding-right: 5.4pt; padding-bottom: 3pt; padding-left: 5.4pt; text-align: center">N/A</TD>
    <TD STYLE="padding-right: 5.4pt; padding-bottom: 3pt; padding-left: 5.4pt; text-align: center">105.00</TD>
    <TD STYLE="padding-right: 5.4pt; padding-bottom: 3pt; padding-left: 5.4pt; text-align: center">50.00</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-bottom: 3pt; padding-left: 5.4pt">Return on the Underlying Fund</TD>
    <TD STYLE="padding-right: 5.4pt; padding-bottom: 3pt; padding-left: 5.4pt; text-align: center">10.00%</TD>
    <TD STYLE="padding-right: 5.4pt; padding-bottom: 3pt; padding-left: 5.4pt; text-align: center">50.00%</TD>
    <TD STYLE="padding-right: 5.4pt; padding-bottom: 3pt; padding-left: 5.4pt; text-align: center">5.00%</TD>
    <TD STYLE="padding-right: 5.4pt; padding-bottom: 3pt; padding-left: 5.4pt; text-align: center">-50.00%</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-bottom: 3pt; padding-left: 5.4pt">Return on the Notes</TD>
    <TD STYLE="padding-right: 5.4pt; padding-bottom: 3pt; padding-left: 5.4pt; text-align: center">15.50%</TD>
    <TD STYLE="padding-right: 5.4pt; padding-bottom: 3pt; padding-left: 5.4pt; text-align: center">31.00%</TD>
    <TD STYLE="padding-right: 5.4pt; padding-bottom: 3pt; padding-left: 5.4pt; text-align: center">46.50%</TD>
    <TD STYLE="padding-right: 5.4pt; padding-bottom: 3pt; padding-left: 5.4pt; text-align: center">-50.00%</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-bottom: 3pt; padding-left: 5.4pt">Call Amount / Redemption Amount per Unit</TD>
    <TD STYLE="padding-right: 5.4pt; padding-bottom: 3pt; padding-left: 5.4pt; text-align: center">$11.55</TD>
    <TD STYLE="padding-right: 5.4pt; padding-bottom: 3pt; padding-left: 5.4pt; text-align: center">$13.10</TD>
    <TD STYLE="padding-right: 5.4pt; padding-bottom: 3pt; padding-left: 5.4pt; text-align: center">$14.65</TD>
    <TD STYLE="padding-right: 5.4pt; padding-bottom: 3pt; padding-left: 5.4pt; text-align: center">$5.00</TD></TR>
  </TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"></P>

<!-- Field: Page; Sequence: 5; Value: 2 -->
    <DIV STYLE="margin-top: 12pt; margin-bottom: 6pt"><P STYLE="margin: 0pt"></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: 92%; border-top: green 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; font-size: 10pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt; color: #5B862B">Autocallable Strategic Accelerated Redemption Securities<SUP>&reg;</SUP></FONT></TD><TD STYLE="width: 8%; border-top: green 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; font-size: 10pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt; color: #5B862B">TS-<!-- Field: Sequence; Type: Arabic; Name: PageNo -->5<!-- Field: /Sequence --></FONT></TD></TR></TABLE><P STYLE="margin: 0pt"></P></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt 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: 10pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 16pt; color: #5B862B">Autocallable
    Strategic Accelerated Redemption Securities<SUP>&reg;</SUP> <BR>
    </FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt; color: #5B862B">Linked to the VanEck<SUP>&reg;</SUP>
    Gold Miners ETF, due June&nbsp;&nbsp;&nbsp;, 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: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

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

<P STYLE="font: 10pt 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&nbsp;PS-7 of product
supplement EQUITY STR-1, page&nbsp;S-1 of the prospectus supplement, and page&nbsp;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: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

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

<P STYLE="font: 10pt 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: Wingdings; color: rgb(118,146,60)">&sect;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">If the notes are not automatically called, you will lose up to 100% of the
principal amount.</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt 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: Wingdings; color: rgb(118,146,60)">&sect;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Your investment return is limited to the return represented by the applicable
Call Premium and may be less than a comparable investment directly in the Underlying Fund or the securities held by the Underlying Fund.</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt 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: Wingdings; color: rgb(118,146,60)">&sect;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">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.</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt 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: Wingdings; color: rgb(118,146,60)">&sect;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">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.</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

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

<P STYLE="font: 10pt 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: Wingdings; color: rgb(118,146,60)">&sect;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">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&nbsp;TS-13,
are included in the public offering price of the notes.</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt 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: Wingdings; color: rgb(118,146,60)">&sect;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">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.</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt 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: Wingdings; color: rgb(118,146,60)">&sect;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">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.</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt 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: Wingdings; color: rgb(118,146,60)">&sect;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">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.</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

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

<P STYLE="font: 10pt 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: Wingdings; color: rgb(118,146,60)">&sect;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">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.</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt 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: Wingdings; color: rgb(118,146,60)">&sect;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">There may be potential conflicts of interest involving the calculation agent,
which is BofAS. We have the right to appoint and remove the calculation agent.</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

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

<P STYLE="font: 10pt 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: Wingdings; color: rgb(118,146,60)">&sect;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">The Underlying Fund holds the stocks of foreign companies. Therefore, your
return on the notes may be affected by factors affecting the international securities markets, including emerging markets. In addition,
exchange rate movements may adversely impact the value of notes.</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"></P>

<!-- Field: Page; Sequence: 6; Value: 2 -->
    <DIV STYLE="margin-top: 12pt; margin-bottom: 6pt"><P STYLE="margin: 0pt"></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: 92%; border-top: green 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; font-size: 10pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt; color: #5B862B">Autocallable Strategic Accelerated Redemption Securities<SUP>&reg;</SUP></FONT></TD><TD STYLE="width: 8%; border-top: green 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; font-size: 10pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt; color: #5B862B">TS-<!-- Field: Sequence; Type: Arabic; Name: PageNo -->6<!-- Field: /Sequence --></FONT></TD></TR></TABLE><P STYLE="margin: 0pt"></P></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt 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: 10pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 16pt; color: #5B862B">Autocallable
    Strategic Accelerated Redemption Securities<SUP>&reg;</SUP> <BR>
    </FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt; color: #5B862B">Linked to the VanEck<SUP>&reg;</SUP>
    Gold Miners ETF, due June&nbsp;&nbsp;&nbsp;, 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: 10pt 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: Wingdings; color: rgb(118,146,60)">&sect;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">The sponsor, publisher or investment advisor of the Underlying Fund or the
NYSE<SUP>&reg;</SUP> Arca Gold Miners Index<SUP>&reg;</SUP> (the &ldquo;Underlying Index&rdquo;) 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.</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt 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: Wingdings; color: rgb(118,146,60)">&sect;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">As a noteholder, you will have no rights of a holder of 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
by the issuers of those securities.</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt 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: Wingdings; color: rgb(118,146,60)">&sect;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">While we, MLPF&amp;S, BofAS or our respective affiliates may from time to
time own securities held by the Underlying Fund, we, MLPF&amp;S, BofAS and our respective affiliates do not control any company included
in the Underlying Fund, and have not verified any disclosure made by any other company.</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt 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: Wingdings; color: rgb(118,146,60)">&sect;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">There are liquidity and management risks associated with the Underlying Fund.</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt 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: Wingdings; color: rgb(118,146,60)">&sect;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Risks associated with the Underlying Index or the securities held by the Underlying
Fund will affect the price of the Underlying Fund and hence, the value of the notes.</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt 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: Wingdings; color: rgb(118,146,60)">&sect;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">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 the securities held by the Underlying Fund may be adversely
affected, sometimes materially.</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt 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: Wingdings; color: rgb(118,146,60)">&sect;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">The payments on 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 and Discontinuance Adjustments Relating to Underlying
Funds&rdquo; beginning on page&nbsp;PS-27 of product supplement EQUITY STR-1.</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

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

<P STYLE="font: 10pt 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: Wingdings; color: rgb(118,146,60)">&sect;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">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&nbsp;PS-40 of product supplement EQUITY STR-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.</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

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

<P STYLE="font: 10pt 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 gold and silver mining industry.</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

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

<P STYLE="font: 10pt 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 common stocks,
American Depositary Receipts (&ldquo;ADRs&rdquo;) or global depositary receipts (&ldquo;GDRs&rdquo;) of companies generally considered
to be involved in various segments of the gold and silver mining industry, the securities included in the Underlying Index may not follow
the price movements of the entire gold and silver mining industry 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 gold and silver mining industry generally increase in value.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B>The notes will be subject to small-capitalization or mid-capitalization
companies risk.</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">The Underlying Fund may invest in companies that may be considered small-capitalization
or mid-capitalization companies. These companies often have greater stock price volatility, lower trading volume and less liquidity than
large-capitalization companies and therefore the Underlying Fund&rsquo;s share price may be more volatile than an investment in stocks
issued by large-capitalization companies. Stock prices of small-capitalization or mid-capitalization companies are also more vulnerable
than those of large-capitalization companies to adverse business and economic developments, and the stocks of small-capitalization or
mid-capitalization companies may be thinly traded, making it difficult for the Underlying Fund to buy and sell them. In addition, small-capitalization
or mid-capitalization companies are typically less stable financially than large-capitalization companies and may depend on a small number
of key personnel, making them more vulnerable to loss of personnel. Small-capitalization or mid-capitalization companies are often subject
to less analyst coverage and may be in early, and less predictable, periods of their corporate existences. Such companies tend to have
smaller revenues, less diverse product lines, smaller shares of their product or service markets, fewer financial resources and less competitive
strengths than large-capitalization companies and are more susceptible to adverse developments related to their products. These factors
could adversely affect the price of the Underlying Fund during the term of the notes, which may adversely affect the value of your notes.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B>NYSE Arca,&nbsp;Inc. (&ldquo;NYSE Arca&rdquo;), the sponsor and compiler
of the Underlying Index, retains significant control and discretionary decision-making over the Underlying Index and is&nbsp;responsible
for decisions regarding the interpretation of and amendments to the rules&nbsp;of the Underlying Index, which may have an adverse effect
on the price of the Underlying Fund, the market value of the notes and the amount payable on the notes.</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">NYSE Arca is the compiler of the Underlying Index and, as such, is responsible
for the day-to-day management of the Underlying Index and for decisions regarding the interpretation of the rules&nbsp;governing the Underlying
Index. NYSE Arca has the discretion to make</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"></P>

<!-- Field: Page; Sequence: 7; Value: 2 -->
    <DIV STYLE="margin-top: 12pt; margin-bottom: 6pt"><P STYLE="margin: 0pt"></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: 92%; border-top: green 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; font-size: 10pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt; color: #5B862B">Autocallable Strategic Accelerated Redemption Securities<SUP>&reg;</SUP></FONT></TD><TD STYLE="width: 8%; border-top: green 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; font-size: 10pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt; color: #5B862B">TS-<!-- Field: Sequence; Type: Arabic; Name: PageNo -->7<!-- Field: /Sequence --></FONT></TD></TR></TABLE><P STYLE="margin: 0pt"></P></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt 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: 10pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 16pt; color: #5B862B">Autocallable
    Strategic Accelerated Redemption Securities<SUP>&reg;</SUP> <BR>
    </FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt; color: #5B862B">Linked to the VanEck<SUP>&reg;</SUP>
    Gold Miners ETF, due June&nbsp;&nbsp;&nbsp;, 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: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">operational adjustments to the Underlying Index and to the components
of the Underlying Index, including discretion to exclude companies that otherwise meet the minimum criteria for inclusion in the Underlying
Index. In addition, NYSE Arca retains the power to supplement, amend in whole or in part, revise or withdraw the rules&nbsp;of the Underlying
Index at any time, any of which may lead to changes in the way the Underlying Index is compiled or calculated or adversely affect the
Underlying Index in another way. Any of these adjustments to the Underlying Index or the rules&nbsp;or the Underlying Index may adversely
affect the composition of the Underlying Index, the price of the Underlying Fund, the market value of the notes and the amount payable
on the notes. The index sponsor of the Underlying Index has no obligation to take the needs of any buyer, seller or holder of the notes
into consideration at any time.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B>The performance of the Underlying Fund may be adversely influenced
by gold and silver prices, which may change unpredictably and adversely affect the value of the notes in unforeseeable ways.</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Most or all of the securities held by the Underlying Fund are issued
by companies in the gold and silver mining industry. Although there is no direct correlation between the price of the Underlying Fund
and gold and silver prices and the price of the Underlying Fund is not necessarily representative of gold and silver price, the prices
of the Underlying Fund may be adversely affected by gold prices and silver prices. Those prices are subject to volatile price movements
over short periods of time, represent trading in commodities markets, which are substantially different from equities markets, and are
affected by numerous factors. These include economic factors, including the structure of and confidence in the global monetary system,
expectations of the future rate of inflation, the relative strength of, and confidence in, the U.S. dollar (the currency in which the
prices of gold and silver are generally quoted), interest rates and gold and silver borrowing and lending rates, and global or regional
economic, financial, political, regulatory, judicial, or other events.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Gold prices and silver prices may also be affected by industry factors
such as industrial and jewelry demand, lending, sales and purchases of gold and silver by the official sector, including central banks
and other governmental agencies and multilateral institutions which hold gold and silver, levels of gold and silver production and production
costs, and short-term changes in supply and demand because of trading activities in the gold and silver markets. It is not possible to
predict the aggregate effects of all or any combination of these factors. Any negative developments with respect to these factors may
have an adverse effect on gold and silver prices and, as a result, on the prices of the Underlying Fund. In addition, the value of the
notes may be subject to greater volatility and be more adversely affected by a single economic, political or regulatory occurrence affecting
gold and silver prices than a different investment linked to a more broadly diversified group of commodities. All of these factors could
adversely affect the price of the Underlying Fund and, therefore, the return on the notes.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"></P>

<!-- Field: Page; Sequence: 8; Value: 2 -->
    <DIV STYLE="margin-top: 12pt; margin-bottom: 6pt"><P STYLE="margin: 0pt"></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: 92%; border-top: green 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; font-size: 10pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt; color: #5B862B">Autocallable Strategic Accelerated Redemption Securities<SUP>&reg;</SUP></FONT></TD><TD STYLE="width: 8%; border-top: green 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; font-size: 10pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt; color: #5B862B">TS-<!-- Field: Sequence; Type: Arabic; Name: PageNo -->8<!-- Field: /Sequence --></FONT></TD></TR></TABLE><P STYLE="margin: 0pt"></P></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt 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: 10pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 16pt; color: #5B862B">Autocallable
    Strategic Accelerated Redemption Securities<SUP>&reg;</SUP> <BR>
    </FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt; color: #5B862B">Linked to the VanEck<SUP>&reg;</SUP>
    Gold Miners ETF, due June&nbsp;&nbsp;&nbsp;, 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: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

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

<P STYLE="font: 10pt 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, their 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 Van Eck Associates Corporation (&ldquo;VanEck&rdquo;). 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&nbsp;PS-31
of product supplement EQUITY STR-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: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B>Description of the VanEck<SUP>&reg;</SUP>&nbsp;Gold Miners ETF</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">The VanEck<SUP>&reg;</SUP> Gold Miners ETF is an investment portfolio
maintained and managed by VanEck<SUP>&reg;</SUP> ETF Trust (the &ldquo;VanEck Trust&rdquo;). Van Eck Associates Corporation (&ldquo;Van
Eck&rdquo;) is the investment adviser to the Underlying Fund. Prior to September&nbsp;1, 2021, the VanEck<SUP>&reg;</SUP> Gold Miners
ETF&rsquo;s name was the VanEck Vectors<SUP>&reg;</SUP> Gold Miners ETF. The Underlying Fund is an exchange-traded fund that is listed
and trades on the NYSE Arca under the ticker symbol &ldquo;GDX.&rdquo;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Information provided to or filed with the SEC by the VanEck Trust pursuant
to the Securities Act and the Investment Company Act can be located by reference to SEC file numbers 333-123257 and 811-10325, respectively,
through the SEC&rsquo;s website at http://www.sec.gov.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&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: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">The Underlying Fund seeks to provide investment results that correspond
generally to the price and yield performance, before fees and expenses, of the NYSE<SUP>&reg;</SUP> Arca Gold Miners Index<SUP>&reg;</SUP>.
The Underlying Index, calculated by NYSE Arca, is a modified market capitalization-weighted index consisting of common stocks and ADRs
of publicly traded companies involved primarily in mining for gold and silver.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">The Underlying Fund normally invests at least 80% of its total assets
in common stocks and ADRs of companies involved in the gold and silver mining industry. The Underlying Fund&rsquo;s 80% investment policy
is non-fundamental and requires 60 days&rsquo; prior written notice to shareholders before it can be changed. The Underlying Fund, using
a &ldquo;passive&rdquo; or indexing investment approach, attempts to approximate the investment performance of the Underlying Index by
investing in a portfolio of securities that generally replicates the Underlying Index. The returns of the Underlying Fund may be affected
by certain management fees and other expenses, which are detailed in its prospectus.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">The Underlying Fund may choose to concentrate its investments in a particular
industry or group of industries to the extent that the Underlying Index concentrates in an industry or group of industries.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">The Underlying Index is a theoretical financial calculation, while the
Underlying Fund is an actual investment portfolio. The performance of the Underlying Fund and the Underlying Index will vary somewhat
due to transaction costs, market impact, corporate actions (such as mergers and spin-offs) and timing variances. The Underlying Fund,
using a &ldquo;passive&rdquo; or indexing investment approach, attempts to approximate the investment performance of the Underlying Index
by investing in a portfolio of securities that generally replicates the Underlying Index. Unlike many investment companies that try to
 &ldquo;beat&rdquo; the performance of a benchmark index, the Underlying Fund does not try to &ldquo;beat&rdquo; the Underlying Index and
does not seek temporary defensive positions that are inconsistent with its investment objective of seeking to replicate the Underlying
Index.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B>Description of the NYSE<SUP>&reg;</SUP> Arca Gold Miners Index<SUP>&reg;</SUP></B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">The Underlying Index was developed by the NYSE Amex (formerly the American
Stock Exchange) and is calculated, maintained and published by the NYSE Arca. The Underlying Index is reported by Bloomberg under the
ticker symbol &ldquo;GDM.&rdquo; The index benchmark was 500.00 at the close of trading on December&nbsp;20, 2002.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B><I>Objectives and Guiding Principles Underlying the Underlying Index</I></B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">The Underlying Index is a modified market capitalization weighted index
comprised of publicly traded companies involved primarily in the mining of gold or silver. The Underlying Index includes common stocks,
ADRs or GDRs of selected companies that are involved in mining for gold and silver and that are listed for trading and electronically
quoted on a major stock market that is accessible by foreign investors. Generally, this includes exchanges in most developed markets and
major emerging markets, and includes companies that are cross-listed, i.e., both U.S. and Canadian listings. NYSE Arca will use its discretion
to avoid exchanges and markets that are considered &ldquo;frontier&rdquo; in nature or have major restrictions to foreign ownership. The
index includes companies that derive at least 50% of their revenues from gold mining and related activities (40% for companies that are
already included in the index). Also, the index will maintain an exposure to companies with a significant revenue exposure to silver mining
in addition to gold mining, which will not exceed 20% of the index weight at each rebalance. Only companies with market capitalization
greater than $750 million that have a daily average trading volume of at least 50,000 shares and an average daily value traded of at least
$1 million over the past three months are eligible for inclusion in the Underlying Index. Starting in December&nbsp;2013, for companies
already included in the index, the market capitalization requirement at each rebalance will be $450 million, the average daily volume
requirement will be at least 30,000 shares over the past three months and the average daily value traded requirement will be at least
$600,000 over the past three months. NYSE Arca has the discretion to not include all companies that meet the minimum criteria for inclusion.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"></P>

<!-- Field: Page; Sequence: 9; Value: 2 -->
    <DIV STYLE="margin-top: 12pt; margin-bottom: 6pt"><P STYLE="margin: 0pt"></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: 92%; border-top: green 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; font-size: 10pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt; color: #5B862B">Autocallable Strategic Accelerated Redemption Securities<SUP>&reg;</SUP></FONT></TD><TD STYLE="width: 8%; border-top: green 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; font-size: 10pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt; color: #5B862B">TS-<!-- Field: Sequence; Type: Arabic; Name: PageNo -->9<!-- Field: /Sequence --></FONT></TD></TR></TABLE><P STYLE="margin: 0pt"></P></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt 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: 10pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 16pt; color: #5B862B">Autocallable
    Strategic Accelerated Redemption Securities<SUP>&reg;</SUP> <BR>
    </FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt; color: #5B862B">Linked to the VanEck<SUP>&reg;</SUP>
    Gold Miners ETF, due June&nbsp;&nbsp;&nbsp;, 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: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">The Underlying Index is calculated on a price return basis using a modified
market capitalization weighting methodology divided by a divisor. The divisor was determined on the initial capitalization base of the
index at the base level and may be adjusted as a result of corporate actions and composition changes. The index is calculated on a price
return, gross total return, net total return and short net total return basis in multiple currencies (USD, AUD, EUR, GBP,&nbsp;INR, JPY).
The current index level would be calculated by dividing the current modified index market capitalization by the index divisor. The divisor
was determined off of the initial capitalization base of the index and the base level. The divisor is updated as a result of corporate
actions and composition changes.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><I>Removal of constituents.</I> Components will be removed from the Underlying
Index during the quarterly review if either (1)&nbsp;the market capitalization falls below $450 million or (2)&nbsp;the traded average
daily shares for the previous three months is less than 30,000 shares and the average daily traded value for the previous three months
is less than $600,000.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><I>Selected line</I>. Only one listing is permitted per company and the
listing representing the company&rsquo;s ordinary shares is generally used. If an ADR, GDR, or U.S. cross-listing is available for a given
stock and it satisfies the minimum liquidity requirements, that ADR, GDR, or U.S. cross-listing will be used instead of the locally listed
ordinary share. This logic will be followed even in the cases where the stock&rsquo;s local listing has a greater liquidity than the ADR,
GDR, or U.S. cross-listing. If multiple share classes are available for a particular listing line, the shares outstanding for each class
will be added up and be attributed to the most liquid class. There is no rules-based consideration of the amount of free float shares
available for each company. Instead, the index administrator evaluates, on a discretionary basis, the amount of free float shares available
to the public while performing its review of the universe.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><I>Periodical update of weighting</I>. The Underlying Index is weighted
based on the market capitalization of each of the component stocks, modified to conform to the following asset diversification requirements,
which are applied in conjunction with the scheduled quarterly adjustments to the index as described above. The information utilized in
this modification process will be taken from the close of trading on the second Friday of the rebalance month:</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.5in">1. The weight of any single component stock may not
account for more than 20% of the total value of the Underlying Index;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in">2. The components stocks are split into two subgroups &ndash;
(1)&nbsp;Large and (2)&nbsp;Small, ranked by their unadjusted market capitalization weight in the index. Large stocks are defined as having
a starting index weight greater than or equal to 5%. Small stocks are defined as having a starting index weight below 5%;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in">3. The final aggregate weight of those component stocks which
individually represent more than 4.5% of the total value of the Underlying Index may not account for more than 45% of the total Underlying
Index value.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><I>Diversification Rule&nbsp;1</I>: If any component stock exceeds 20%
of the total value of the Underlying Index, then all stocks greater than 20% of the Underlying Index are reduced to represent 20% of the
value of the Underlying Index. The aggregate amount by which all component stocks are reduced is redistributed proportionately across
the remaining stocks that represent less than 20% of the index value. After this redistribution, if any other stock then exceeds 20%,
the stock is set to 20% of the index value and the redistribution is repeated.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">If there is no component stock over 20% of the total value of the Underlying
Index to start, then Diversification Rule&nbsp;1 is not executed.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><I>Diversification Rule&nbsp;2</I>: The components are sorted into two
groups &ndash; (1)&nbsp;Large components, with a starting index weight of 5% or greater, and (2)&nbsp;Small components, with a weight
of under 5% (after any adjustments for Diversification Rule&nbsp;1).</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">If there are no components that classify as Large components after Diversification
Rule&nbsp;1 is run, then Diversification Rule&nbsp;2 is not executed. Alternatively, if the starting aggregate weight of the Large components
after Diversification Rule&nbsp;1 is run is not greater than 45% of the starting index weight, then Diversification Rule&nbsp;2 is not
executed.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">If Diversification Rule&nbsp;2 is indeed executed, then the (1)&nbsp;large
group and (2)&nbsp;small group will represent 45% and 55%, respectively, of the final index weight. This will be adjusted for through
the following process:</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in">1.The weight of each of the large stocks will be scaled down
proportionately (with a floor of 5%) so that the aggregate weight of the large components will be reduced to represent 45% of the Underlying
Index. If any large component stock falls below a weight equal to the product of 5% and the proportion by which the stocks were scaled
down following this distribution, then the weight of the stock is set equal to 5% and the components with weights greater than 5% will
be reduced proportionately.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in">2. The weight of each of the small components will be scaled
up proportionately from the redistribution of the large components. If any small component stock exceeds a weight equal to the product
of 4.5% and the proportion by which the stocks were scaled down following this distribution, then the weight of the stock is set equal
to 4.5%. The redistribution of weight to the remaining stocks is repeated until the entire amount has been redistributed.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><I>Corporate Actions</I>. The Underlying Index may be adjusted in order
to maintain the continuity of the index level and the composition. The underlying aim is that the index continues to reflect as closely
as possible the index&rsquo;s objective of identifying and selecting stocks from a particular market segment that have a greater potential
for capital appreciation. Adjustments take place in reaction to events that occur with constituents in order to mitigate or eliminate
the effect of that event on the index performance.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"></P>

<!-- Field: Page; Sequence: 10; Value: 2 -->
    <DIV STYLE="margin-top: 12pt; margin-bottom: 6pt"><P STYLE="margin: 0pt"></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: 92%; border-top: green 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; font-size: 10pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt; color: #5B862B">Autocallable Strategic Accelerated Redemption Securities<SUP>&reg;</SUP></FONT></TD><TD STYLE="width: 8%; border-top: green 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; font-size: 10pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt; color: #5B862B">TS-<!-- Field: Sequence; Type: Arabic; Name: PageNo -->10<!-- Field: /Sequence --></FONT></TD></TR></TABLE><P STYLE="margin: 0pt"></P></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt 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: 10pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 16pt; color: #5B862B">Autocallable
    Strategic Accelerated Redemption Securities<SUP>&reg;</SUP> <BR>
    </FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt; color: #5B862B">Linked to the VanEck<SUP>&reg;</SUP>
    Gold Miners ETF, due June&nbsp;&nbsp;&nbsp;, 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: 10pt 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&nbsp;1, 2015 through May&nbsp;28, 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 May&nbsp;28, 2025, the Closing Market Price of the Underlying Fund was $50.35. 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: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><IMG SRC="tm2513758d56_fwpimg005.jpg" ALT=""><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"></FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</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 its future performance or what the value of the notes may be. Any historical upward or downward trend in the price of the
Underlying Fund during any period set forth above is not an indication that the price 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: 10pt 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: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"></P>

<!-- Field: Page; Sequence: 11; Value: 2 -->
    <DIV STYLE="margin-top: 12pt; margin-bottom: 6pt"><P STYLE="margin: 0pt"></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: 92%; border-top: green 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; font-size: 10pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt; color: #5B862B">Autocallable Strategic Accelerated Redemption Securities<SUP>&reg;</SUP></FONT></TD><TD STYLE="width: 8%; border-top: green 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; font-size: 10pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt; color: #5B862B">TS-<!-- Field: Sequence; Type: Arabic; Name: PageNo -->11<!-- Field: /Sequence --></FONT></TD></TR></TABLE><P STYLE="margin: 0pt"></P></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt 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: 10pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 16pt; color: #5B862B">Autocallable
    Strategic Accelerated Redemption Securities<SUP>&reg;</SUP> <BR>
    </FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt; color: #5B862B">Linked to the VanEck<SUP>&reg;</SUP>
    Gold Miners ETF, due June&nbsp;&nbsp;&nbsp;, 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: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

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

<P STYLE="font: 10pt 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.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">MLPF&amp;S will in turn purchase the notes from BofAS for resale, and
it will receive a selling concession 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: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">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: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&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&nbsp;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: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">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 100 units. 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: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">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 MLPF&amp;S&rsquo;s
and BofAS&rsquo;s trading commissions and mark-ups or mark-downs. MLPF&amp;S and BofAS may act as principal or agent in these market-making
transactions; however, neither is obligated to engage in any such transactions. At their discretion, for a short, undetermined initial
period after the issuance of the notes, 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 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: 10pt 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: 10pt 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: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">An investor&rsquo;s household, as referenced on the cover of this term
sheet, will generally include accounts held by any of the following, as determined by MLPF&amp;S in its discretion and acting in good
faith based upon information then available to MLPF&amp;S:</P>

<P STYLE="font: 10pt 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>the investor&rsquo;s spouse (including a domestic partner), siblings, parents, grandparents, spouse&rsquo;s parents, children and
grandchildren, but excluding accounts held by aunts, uncles, cousins, nieces, nephews or any other family relationship not directly above
or below the individual investor;</TD></TR></TABLE>

<P STYLE="font: 10pt 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>a family investment vehicle, including foundations, limited partnerships and personal holding companies, but only if the beneficial
owners of the vehicle consist solely of the investor or members of the investor&rsquo;s household as described above; and</TD></TR></TABLE>

<P STYLE="font: 10pt 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>a trust where the grantors and/or beneficiaries of the trust consist solely of the investor or members of the investor&rsquo;s household
as described above; provided that, purchases of the notes by a trust generally cannot be aggregated together with any purchases made by
a trustee&rsquo;s personal account.</TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Purchases in retirement accounts will not be considered part of the same
household as an individual investor&rsquo;s personal or other non-retirement account, except for individual retirement accounts (&ldquo;IRAs&rdquo;),
simplified employee pension plans (&ldquo;SEPs&rdquo;), savings incentive match plan for employees (&ldquo;SIMPLEs&rdquo;), and single-participant
or owners only accounts (i.e., retirement accounts held by self-employed individuals, business owners or partners with no employees other
than their spouses).</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Please contact your Merrill financial advisor if you have any questions
about the application of these provisions to your specific circumstances or think you are eligible.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"></P>

<!-- Field: Page; Sequence: 12; Value: 2 -->
    <DIV STYLE="margin-top: 12pt; margin-bottom: 6pt"><P STYLE="margin: 0pt"></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: 92%; border-top: green 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; font-size: 10pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt; color: #5B862B">Autocallable Strategic Accelerated Redemption Securities<SUP>&reg;</SUP></FONT></TD><TD STYLE="width: 8%; border-top: green 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; font-size: 10pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt; color: #5B862B">TS-<!-- Field: Sequence; Type: Arabic; Name: PageNo -->12<!-- Field: /Sequence --></FONT></TD></TR></TABLE><P STYLE="margin: 0pt"></P></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt 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: 10pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 16pt; color: #5B862B">Autocallable
    Strategic Accelerated Redemption Securities<SUP>&reg;</SUP> <BR>
    </FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt; color: #5B862B">Linked to the VanEck<SUP>&reg;</SUP>
    Gold Miners ETF, due June&nbsp;&nbsp;&nbsp;, 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: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; 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: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Payments on the notes, including the amount you receive at maturity or
upon an automatic call, 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: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">BofAS has advised us that the hedging arrangements will include a hedging-related
charge of approximately $0.05 per unit, reflecting an estimated profit to be credited to BofAS from these transactions. Since hedging
entails risk and may be influenced by unpredictable market forces, additional profits and losses from these hedging arrangements may be
realized by BofAS or any third party hedge providers.</P>

<P STYLE="font: 10pt 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&nbsp;PS-8 of product supplement EQUITY STR-1 and &ldquo;Use of Proceeds&rdquo; on page&nbsp;S-14
of prospectus supplement.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"></P>

<!-- Field: Page; Sequence: 13; Value: 2 -->
    <DIV STYLE="margin-top: 12pt; margin-bottom: 6pt"><P STYLE="margin: 0pt"></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: 92%; border-top: green 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; font-size: 10pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt; color: #5B862B">Autocallable Strategic Accelerated Redemption Securities<SUP>&reg;</SUP></FONT></TD><TD STYLE="width: 8%; border-top: green 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; font-size: 10pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt; color: #5B862B">TS-<!-- Field: Sequence; Type: Arabic; Name: PageNo -->13<!-- Field: /Sequence --></FONT></TD></TR></TABLE><P STYLE="margin: 0pt"></P></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt 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: 10pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 16pt; color: #5B862B">Autocallable
    Strategic Accelerated Redemption Securities<SUP>&reg;</SUP> <BR>
    </FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt; color: #5B862B">Linked to the VanEck<SUP>&reg;</SUP>
    Gold Miners ETF, due June&nbsp;&nbsp;&nbsp;, 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: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">In the opinion of Blake, Cassels&nbsp;&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)&nbsp;is
neither resident nor deemed to be resident in Canada; (b)&nbsp;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)&nbsp;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)&nbsp;is entitled to receive all payments (including any interest and
principal) made on the note; (e)&nbsp;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&nbsp;in the Canadian Tax Act; and (f)&nbsp;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&nbsp;which apply to non-resident insurers
carrying on business in Canada and elsewhere are not discussed in this summary.</P>

<P STYLE="font: 10pt 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&nbsp;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&nbsp;are highly complex and there remains significant uncertainty as to their interpretation
and application.</P>

<P STYLE="font: 10pt 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="font: 10pt 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: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</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="font: 10pt 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: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"></P>

<!-- Field: Page; Sequence: 14; Value: 2 -->
    <DIV STYLE="margin-top: 12pt; margin-bottom: 6pt"><P STYLE="margin: 0pt"></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: 92%; border-top: green 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; font-size: 10pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt; color: #5B862B">Autocallable Strategic Accelerated Redemption Securities<SUP>&reg;</SUP></FONT></TD><TD STYLE="width: 8%; border-top: green 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; font-size: 10pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt; color: #5B862B">TS-<!-- Field: Sequence; Type: Arabic; Name: PageNo -->14<!-- Field: /Sequence --></FONT></TD></TR></TABLE><P STYLE="margin: 0pt"></P></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt 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: 10pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 16pt; color: #5B862B">Autocallable
    Strategic Accelerated Redemption Securities<SUP>&reg;</SUP> <BR>
    </FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt; color: #5B862B">Linked to the VanEck<SUP>&reg;</SUP>
    Gold Miners ETF, due June&nbsp;&nbsp;&nbsp;, 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: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

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

<P STYLE="font: 10pt 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 considerations 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 STR-1,
which you should carefully review prior to investing in the notes.</P>

<P STYLE="font: 10pt 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 considerations 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
cash-settled 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 this treatment is respected, subject to the discussion in the product supplement concerning the potential application
of the &ldquo;constructive ownership&rdquo; rules&nbsp;under Section&nbsp;1260 of the Code, you should generally recognize capital gain
or loss upon the sale, exchange, redemption or payment on 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. Non-U.S. holders should consult the section entitled &ldquo;U.S. Federal Income Tax Summary&mdash;Non<I>-</I>U.S.
Holders&rdquo; in product supplement EQUITY STR-1.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">The expected characterization of the notes 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.
Such alternate treatments could include a requirement that a holder accrue ordinary income over the life of the notes or treat all gain
or loss at maturity as ordinary gain or loss. 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="font: 10pt 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&nbsp;1, 2027.</P>

<P STYLE="font: 10pt 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="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; 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="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&ldquo;Strategic Accelerated Redemption Securities<SUP>&reg;</SUP>&rdquo;
is registered service mark of Bank of America Corporation, the parent company of MLPF&amp;S and BofAS.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<!-- Field: Page; Sequence: 15; Options: Last -->
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end
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
