<SEC-DOCUMENT>0001104659-25-056332.txt : 20250604
<SEC-HEADER>0001104659-25-056332.hdr.sgml : 20250604
<ACCEPTANCE-DATETIME>20250604130043
ACCESSION NUMBER:		0001104659-25-056332
CONFORMED SUBMISSION TYPE:	FWP
PUBLIC DOCUMENT COUNT:		8
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:		251022557

	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>tm2513758d51_fwp.htm
<DESCRIPTION>FWP
<TEXT>
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<P STYLE="margin: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse; font-family: Arial, Helvetica, Sans-Serif">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 32%; border: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="width: 26%; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt">
    <P STYLE="font: 7pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center; color: red"><FONT><B>Subject
    to Completion</B></FONT></P>
    <P STYLE="font: 7pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center; color: red"><FONT><B>Preliminary
    Term Sheet dated</B></FONT></P>
    <P STYLE="font: 7pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center; color: red"><FONT><B>June 4,
    2025</B></FONT></P></TD>
    <TD STYLE="width: 42%; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; font-size: 10pt; text-align: right"><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 ARN-1 dated September&nbsp;5, 2023)</B></FONT></TD></TR>
  </TABLE>

<P STYLE="margin-top: 0; margin-bottom: 0"><FONT STYLE="font-size: 5pt">&nbsp;</FONT></P>
<P STYLE="margin: 0"></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="color: White; width: 100%; border-collapse: collapse; font-family: Arial, Helvetica, Sans-Serif">
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    <TD ROWSPAN="2" STYLE="padding: 10pt 5.4pt 8pt 9.9pt; color: White; width: 52%; font-size: 12pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">
<FONT STYLE="">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Units<BR>
$10 principal amount per unit<BR>
CUSIP No.&nbsp;&nbsp;&nbsp;&nbsp;<BR>
<IMG SRC="tm2513758d51_fwpimg001.jpg" ALT=""></FONT></FONT></TD>
    <TD STYLE="padding: 10pt 5.4pt 8pt 9.9pt; color: White; width: 24%; font-size: 12pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">
<FONT STYLE="">Pricing Date*<BR>
Settlement Date*<BR>
Maturity Date*</FONT></FONT></TD>
    <TD STYLE="padding-top: 10pt; color: White; width: 24%; padding-right: 5.4pt; padding-left: 5.4pt">
    <P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right; color: White">&nbsp;June&nbsp; , 2025</P>
    <P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right; color: White">July&nbsp; , 2025</P>
    <P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right; color: White">August&nbsp; , 2026</P></TD></TR>
  <TR STYLE="color: White; vertical-align: top; background-color: rgb(31,73,125)">
    <TD COLSPAN="2" STYLE="color: White; padding-right: 5.4pt; padding-bottom: 8pt; padding-left: 9.9pt; font-size: 12pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 7pt; color: White">*Subject
    to change based on the actual date the notes are priced for initial sale to the public (the &ldquo;pricing date&rdquo;)</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 12pt 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="background-color: rgb(31,73,125); vertical-align: top">
    <TD STYLE="background-color: rgb(4,110,135); width: 25%; font-size: 12pt"><FONT STYLE="font-size: 5pt">&nbsp;</FONT></TD>
    <TD STYLE="background-color: rgb(200,125,14); width: 25%; font-size: 12pt"><FONT STYLE="font-size: 5pt">&nbsp;</FONT></TD>
    <TD STYLE="background-color: rgb(92,37,92); width: 25%; font-size: 12pt"><FONT STYLE="font-size: 5pt">&nbsp;</FONT></TD>
    <TD STYLE="background-color: rgb(97,150,26); width: 25%; font-size: 12pt"><FONT STYLE="font-size: 5pt">&nbsp;</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 12pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="color: White; width: 100%; font: 12pt Arial, Helvetica, Sans-Serif; border-collapse: collapse">
  <TR STYLE="background-color: rgb(31,73,125); color: White; vertical-align: top">
    <TD COLSPAN="2" STYLE="padding-right: 5.4pt; color: White; padding-left: 9.9pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 21pt; "><B>Accelerated
    Return Notes<SUP>&reg; </SUP>Linked to <FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 21pt"><B>the
iShares<SUP>&reg;</SUP> U.S. Aerospace&nbsp;&amp; Defense ETF</B></FONT></B></FONT></TD></TR>
  <TR STYLE="background-color: rgb(31,73,125); color: White; vertical-align: top">
    <TD STYLE="padding-top: 2.5pt; padding-bottom: 2.5pt; padding-left: 9.9pt; color: White; width: 3%"><FONT STYLE="font-family: Wingdings; font-size: 10pt; color: White">&sect;</FONT></TD>
    <TD STYLE="padding: 2.5pt 5.4pt; color: White; width: 97%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; ">Maturity of approximately 14 months</FONT></TD></TR>
  <TR STYLE="background-color: rgb(31,73,125); color: White; vertical-align: top">
    <TD STYLE="padding-top: 2.5pt; padding-bottom: 2.5pt; padding-left: 9.9pt; color: White"><FONT STYLE="font-family: Wingdings; font-size: 10pt; color: White">&sect;</FONT></TD>
    <TD STYLE="padding: 2.5pt 5.4pt; color: White"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; ">3-to-1 upside exposure to increases in the Underlying Fund, subject to a capped return of [11.00% to 15.00%]</FONT></TD></TR>
  <TR STYLE="background-color: rgb(31,73,125); color: White; vertical-align: top">
    <TD STYLE="padding-top: 2.5pt; padding-bottom: 2.5pt; padding-left: 9.9pt; color: White"><FONT STYLE="font-family: Wingdings; font-size: 10pt; color: White">&sect;</FONT></TD>
    <TD STYLE="padding: 2.5pt 5.4pt; color: White"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; ">1-to-1 downside exposure to decreases in the Underlying Fund, with up to 100% of your investment at risk</FONT></TD></TR>
  <TR STYLE="background-color: rgb(31,73,125); color: White; vertical-align: top">
    <TD STYLE="padding-top: 2.5pt; padding-bottom: 2.5pt; padding-left: 9.9pt; color: White"><FONT STYLE="font-family: Wingdings; font-size: 10pt; color: White">&sect;</FONT></TD>
    <TD STYLE="padding: 2.5pt 5.4pt; color: White"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; ">All payments occur at maturity and are subject to the credit risk of Canadian Imperial Bank of Commerce</FONT></TD></TR>
  <TR STYLE="background-color: rgb(31,73,125); color: White; vertical-align: top">
    <TD STYLE="padding-top: 2.5pt; padding-bottom: 2.5pt; padding-left: 9.9pt; color: White"><FONT STYLE="font-family: Wingdings; font-size: 10pt; color: White">&sect;</FONT></TD>
    <TD STYLE="padding: 2.5pt 5.4pt; color: White"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; ">No periodic interest payments</FONT></TD></TR>
  <TR STYLE="background-color: rgb(31,73,125); color: White; vertical-align: top">
    <TD STYLE="padding-top: 2.5pt; padding-bottom: 2.5pt; padding-left: 9.9pt; color: White"><FONT STYLE="font-family: Wingdings; font-size: 10pt; color: White">&sect;</FONT></TD>
    <TD STYLE="padding: 2.5pt 5.4pt; color: White"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; ">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></TD></TR>
  <TR STYLE="background-color: rgb(31,73,125); color: White; vertical-align: top">
    <TD STYLE="padding-top: 2.5pt; padding-bottom: 2.5pt; padding-left: 9.9pt; color: White"><FONT STYLE="font-family: Wingdings; font-size: 10pt; color: White">&sect;</FONT></TD>
    <TD STYLE="padding: 2.5pt 5.4pt; color: White"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; ">Limited secondary market liquidity, with no exchange listing</FONT></TD></TR>
  <TR STYLE="background-color: rgb(31,73,125); color: White; vertical-align: top">
    <TD STYLE="padding-top: 2.5pt; padding-bottom: 2.5pt; padding-left: 9.9pt; color: White"><FONT STYLE="font-family: Wingdings; font-size: 8pt; color: White">&sect;</FONT></TD>
    <TD STYLE="padding: 2.5pt 5.4pt; color: White"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; ">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></TD></TR>
  <TR STYLE="background-color: rgb(184,204,228); color: White; vertical-align: top">
    <TD STYLE="padding-left: 9.9pt; color: White"><FONT STYLE="font-size: 6pt; color: White">&nbsp;</FONT></TD>
    <TD STYLE="color: White"><FONT STYLE="font-size: 6pt">&nbsp;</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 12pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></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-6 of product supplement EQUITY ARN-1.</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-size: 5pt">&nbsp;</FONT></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 $9.24 <FONT STYLE="background-color: white">and $</FONT>9.64 <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-12 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"><FONT STYLE="font-size: 5pt">&nbsp;</FONT></P>

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<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>

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

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<TABLE CELLSPACING="0" CELLPADDING="0" ALIGN="CENTER" STYLE="width: 70%; 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)</SUP>&#9;</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">$&nbsp;&nbsp;10.000</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; font-size: 10pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</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)</SUP>&#9;</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">$&nbsp;&nbsp;&nbsp;&nbsp;0.175</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; font-size: 10pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</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&#9;</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">$&nbsp;&nbsp;&nbsp;&nbsp;9.825</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; font-size: 10pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 28.1pt 0pt 28.35pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">(1) For any purchase of 300,000 units or more in a single
transaction by an individual investor or in combined transactions with the investor&rsquo;s household in this offering, the public offering
price and the underwriting discount will be $9.95 per unit and $0.125 per unit, respectively. See &ldquo;Supplement to the Plan of Distribution&rdquo;
below.</FONT></P>



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

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  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 33%; border: Black 1pt solid; 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"><B>Are Not FDIC Insured</B></FONT></TD>
    <TD STYLE="width: 35%; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; 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"><B>Are Not Bank Guaranteed</B></FONT></TD>
    <TD STYLE="width: 32%; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; 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"><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: 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"><FONT>June&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
, 2025</FONT></P>

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


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<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">Accelerated
    Return Notes<SUP>&reg;</SUP> <BR>
    </FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt; color: #5b862b">Linked to the iShares<SUP>&reg;</SUP>
    U.S. Aerospace&nbsp;&amp; Defense ETF, due August&nbsp;&nbsp;&nbsp; , 2026</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>
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<P STYLE="font: 20pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5b862b">Summary</P>

<P STYLE="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">The Accelerated Return Notes<SUP>&reg; </SUP>Linked to the iShares<SUP>&reg;</SUP>
U.S. Aerospace&nbsp;&amp; Defense ETF, due August&nbsp; , 2026 (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
provide you a leveraged return, subject to a cap, if the Ending Value of the Market Measure, which is the iShares<SUP>&reg;</SUP> U.S.
Aerospace&nbsp;&amp; Defense ETF (the &ldquo;Underlying Fund&rdquo;), is greater than the Starting Value. If the Ending Value is less
than the Starting Value, 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: 8pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">The economic terms of the notes (including the Capped Value) 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: 8pt 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-12.</P>

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="2" STYLE="padding-bottom: 8pt; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 18pt; color: #5b862b">Terms of the Notes</FONT></TD>
    <TD STYLE="padding-bottom: 8pt; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 16pt; color: #5b862b">Redemption Amount Determination</FONT></TD></TR>
  <TR>
    <TD STYLE="padding: 2.5pt 5.4pt; vertical-align: top; width: 14%; background-color: #F2F2F2"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5b8f22"><B>Issuer:</B></FONT></TD>
    <TD STYLE="padding: 2.5pt 5.4pt; vertical-align: top; width: 34%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Canadian Imperial Bank of Commerce (&ldquo;CIBC&rdquo;)</FONT></TD>
    <TD STYLE="padding-top: 2.5pt; width: 52%; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8.5pt">On the maturity date, you will receive a cash payment per unit determined as follows:</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 2.5pt 5.4pt; background-color: #F2F2F2"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5b8f22"><B>Principal Amount:</B></FONT></TD>
    <TD STYLE="padding: 2.5pt 5.4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">$10.00 per unit</FONT></TD>
    <TD ROWSPAN="11" STYLE="text-align: left; padding-right: 5.4pt; padding-left: 5.4pt"><IMG SRC="tm2513758d51_fwpimg002.jpg" ALT=""><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"></FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 2.5pt 5.4pt; background-color: #F2F2F2"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5b8f22"><B>Term:</B></FONT></TD>
    <TD STYLE="padding: 2.5pt 5.4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Approximately 14 months</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 2.5pt 5.4pt; background-color: #F2F2F2"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5b8f22"><B>Market Measure:</B></FONT></TD>
    <TD STYLE="padding: 2.5pt 5.4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">The iShares<SUP>&reg;</SUP> U.S. Aerospace&nbsp;&amp; Defense ETF (Bloomberg symbol: &ldquo;ITA&rdquo;). </FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 2.5pt 5.4pt; background-color: #F2F2F2"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5b8f22"><B>Starting Value:</B></FONT></TD>
    <TD STYLE="padding: 2.5pt 5.4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">The Closing Market Price of the Underlying Fund on the pricing date.</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 2.5pt 5.4pt; background-color: #F2F2F2"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5b8f22"><B>Ending Value:</B></FONT></TD>
    <TD STYLE="padding: 2.5pt 5.4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">The average of the products of (a)&nbsp;the Closing Market Price of the Underlying Fund on each calculation day during the Maturity Valuation Period times (b)&nbsp;the Price Multiplier as of that day. The scheduled calculation days are subject to postponement in the event of Market Disruption Events, as described beginning on page&nbsp;PS-21 of product supplement EQUITY ARN-1.</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 2.5pt 5.4pt; background-color: #F2F2F2"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5b8f22"><B>Participation Rate:</B></FONT></TD>
    <TD STYLE="padding: 2.5pt 5.4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">300%</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 2.5pt 5.4pt; background-color: #F2F2F2"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5b8f22"><B>Capped Value:</B></FONT></TD>
    <TD STYLE="padding: 2.5pt 5.4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">[$11.10 to $11.50] per unit, which represents a return of [11.00% to 15.00%] over the principal amount. The actual Capped Value will be determined on the pricing date.</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 2.5pt 5.4pt; background-color: #F2F2F2"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5b8f22"><B>Maturity Valuation Period:</B></FONT></TD>
    <TD STYLE="padding: 2.5pt 5.4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Five scheduled calculation days shortly before the maturity date</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 2.5pt 5.4pt; background-color: #F2F2F2"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5b8f22"><B>Price Multiplier: </B></FONT></TD>
    <TD STYLE="padding: 2.5pt 5.4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">1, subject to adjustment for certain corporate events relating to the Underlying Fund, as described beginning on page&nbsp;PS-25 of product supplement EQUITY ARN-1.&#9;&#9;</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 2.5pt 5.4pt; background-color: #F2F2F2"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5b8f22"><B>Fees and Charges:</B></FONT></TD>
    <TD STYLE="padding: 2.5pt 5.4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">The underwriting discount of $0.175 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-12.</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 2.5pt 5.4pt; background-color: #F2F2F2"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5b8f22"><B>Calculation Agent:</B></FONT></TD>
    <TD STYLE="padding: 2.5pt 5.4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">BofA Securities,&nbsp;Inc. (&ldquo;BofAS&rdquo;)</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</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%; font: 10pt Arial, Helvetica, Sans-Serif; border-collapse: collapse"><TR STYLE="vertical-align: top"><TD STYLE="width: 92%; border-top: green 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt; color: #5b862b">Accelerated Return Notes<SUP>&reg;</SUP></FONT></TD><TD STYLE="width: 8%; border-top: green 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt; color: #5b862b">TS-<!-- 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">Accelerated
    Return Notes<SUP>&reg;</SUP> <BR>
    </FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt; color: #5b862b">Linked to the iShares<SUP>&reg;</SUP>
    U.S. Aerospace&nbsp;&amp; Defense ETF, due August&nbsp;&nbsp;&nbsp; , 2026</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; font-size: 9pt; color: #5b8f22">&sect;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Product supplement EQUITY ARN-1 dated September&nbsp;5, 2023:<BR>
</FONT><A HREF="https://www.sec.gov/Archives/edgar/data/1045520/000110465923098258/tm2325339d3_424b5.htm"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; color: blue">https://www.sec.gov/Archives/edgar/data/1045520/000110465923098258/tm2325339d3_424b5.htm</FONT></A></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"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Wingdings; font-size: 9pt; color: #5b8f22">&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: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"></P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.25in; color: blue"><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: 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; font-size: 9pt; color: #5b8f22">&sect;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Prospectus dated September&nbsp;5, 2023:<BR>
</FONT><A HREF="https://www.sec.gov/Archives/edgar/data/1045520/000110465923098163/tm2325339d10_424b3.htm"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; color: blue">https://www.sec.gov/Archives/edgar/data/1045520/000110465923098163/tm2325339d10_424b3.htm</FONT></A></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">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 ARN-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"><FONT STYLE="background-color: white">Investor Considerations</FONT></P>
<P STYLE="font: 5pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt; background-color: white"><B>You may wish to consider an investment in the notes if:</B></FONT></P>

<P STYLE="font: 5pt Times New Roman, Times, 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: 0.25in; padding-bottom: 4pt"><FONT STYLE="font-family: Wingdings; font-size: 9pt; color: #5b8f22">&sect;</FONT></TD><TD STYLE="padding-bottom: 4pt">You
    anticipate that the Underlying Fund will increase moderately from the Starting Value to the Ending Value.</TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="padding-top: 4pt; padding-bottom: 4pt"><FONT STYLE="font-family: Wingdings; font-size: 9pt; color: #5b8f22">&sect;</FONT></TD><TD STYLE="padding-top: 4pt; padding-bottom: 4pt">You
    are willing to risk a loss of principal if the Underlying Fund decreases from the Starting Value to the Ending Value.</TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="padding-top: 4pt; padding-bottom: 4pt"><FONT STYLE="font-family: Wingdings; font-size: 9pt; color: #5b8f22">&sect;</FONT></TD><TD STYLE="padding-top: 4pt; padding-bottom: 4pt">You
    accept that the return on the notes will be capped.</TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="padding-top: 4pt; padding-bottom: 4pt"><FONT STYLE="font-family: Wingdings; font-size: 9pt; color: #5b8f22">&sect;</FONT></TD><TD STYLE="padding-top: 4pt; padding-bottom: 4pt">You
    are willing to forgo the interest payments that are paid on conventional interest bearing debt securities.</TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="padding-top: 4pt; padding-bottom: 4pt"><FONT STYLE="font-family: Wingdings; font-size: 9pt; color: #5b8f22">&sect;</FONT></TD><TD STYLE="padding-top: 4pt; padding-bottom: 4pt">You
    are willing to forgo dividends or other benefits of owning shares of the Underlying Fund or the securities held by the Underlying Fund.</TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="padding-top: 4pt; padding-bottom: 4pt"><FONT STYLE="font-family: Wingdings; font-size: 9pt; color: #5b8f22">&sect;</FONT></TD><TD STYLE="padding-top: 4pt; padding-bottom: 4pt">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.</TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="padding-top: 4pt; padding-bottom: 4pt"><FONT STYLE="font-family: Wingdings; font-size: 9pt; color: #5b8f22">&sect;</FONT></TD><TD STYLE="padding-top: 4pt; padding-bottom: 4pt">You
    are willing to assume our credit risk, as issuer of the notes, for all payments under the notes, including the Redemption Amount.</TD></TR>
</TABLE>

<P STYLE="font: 5pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt; background-color: white"><B>The notes may not be an appropriate investment for you if:</B></FONT></P>

<P STYLE="font: 5pt Times New Roman, Times, 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: 0.25in; padding-bottom: 4pt"><FONT STYLE="font-family: Wingdings; font-size: 9pt; color: #5b8f22">&sect;</FONT></TD><TD STYLE="padding-bottom: 4pt">You
    believe that the Underlying Fund will decrease from the Starting Value to the Ending Value or that it will not increase sufficiently over
    the term of the notes to provide you with your desired return.</TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="padding-top: 4pt; padding-bottom: 4pt"><FONT STYLE="font-family: Wingdings; font-size: 9pt; color: #5b8f22">&sect;</FONT></TD><TD STYLE="padding-top: 4pt; padding-bottom: 4pt">You
    seek principal repayment or preservation of capital.</TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="padding-top: 4pt; padding-bottom: 4pt"><FONT STYLE="font-family: Wingdings; font-size: 9pt; color: #5b8f22">&sect;</FONT></TD><TD STYLE="padding-top: 4pt; padding-bottom: 4pt">You
    seek an uncapped return on your investment.</TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="padding-top: 4pt; padding-bottom: 4pt"><FONT STYLE="font-family: Wingdings; font-size: 9pt; color: #5b8f22">&sect;</FONT></TD><TD STYLE="padding-top: 4pt; padding-bottom: 4pt">You
    seek interest payments or other current income on your investment.</TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="padding-top: 4pt; padding-bottom: 4pt"><FONT STYLE="font-family: Wingdings; font-size: 9pt; color: #5b8f22">&sect;</FONT></TD><TD STYLE="padding-top: 4pt; padding-bottom: 4pt">You
    want to receive dividends or other distributions paid on shares of the Underlying Fund or the securities held by the Underlying Fund.</TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="padding-top: 4pt; padding-bottom: 4pt"><FONT STYLE="font-family: Wingdings; font-size: 9pt; color: #5b8f22">&sect;</FONT></TD><TD STYLE="padding-top: 4pt; padding-bottom: 4pt">You
    seek an investment for which there will be a liquid secondary market.</TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="padding-top: 4pt; padding-bottom: 4pt"><FONT STYLE="font-family: Wingdings; font-size: 9pt; color: #5b8f22">&sect;</FONT></TD><TD STYLE="padding-top: 4pt; padding-bottom: 4pt">You
    are unwilling or are unable to take market risk on the notes or to take our credit risk as issuer of the notes.</TD></TR>
</TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

</DIV><DIV STYLE="clear: both; margin-top: 0; margin-bottom: 0"></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>


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    <DIV STYLE="margin-top: 12pt; margin-bottom: 6pt"><P STYLE="margin: 0pt"></P><TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif; border-collapse: collapse"><TR STYLE="vertical-align: top"><TD STYLE="width: 92%; border-top: green 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt; color: #5b862b">Accelerated Return Notes<SUP>&reg;</SUP></FONT></TD><TD STYLE="width: 8%; border-top: green 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt; color: #5b862b">TS-<!-- 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">Accelerated
    Return Notes<SUP>&reg;</SUP> <BR>
    </FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt; color: #5b862b">Linked to the iShares<SUP>&reg;</SUP>
    U.S. Aerospace&nbsp;&amp; Defense ETF, due August&nbsp;&nbsp;&nbsp; , 2026</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">Hypothetical Payout Profile and Examples of Payments
at Maturity</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 graph below is based on <B>hypothetical</B> numbers and values.</P>

<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: 50%; padding-right: 5.4pt; padding-left: 5.4pt">
    <P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><B>Accelerated Return Notes<SUP>&reg;</SUP></B></P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><IMG SRC="tm2513758d51_fwpimg003.jpg" ALT=""><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"></FONT></P></TD>
    <TD STYLE="width: 50%; padding-right: 5.4pt; padding-left: 5.4pt">
    <P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; background-color: #F2F2F2">This graph reflects the returns on the notes,
    based on the Participation Rate of 300% and a hypothetical Capped Value of $11.30 per unit (the midpoint of the Capped Value range of
    [$11.10 to $11.50]). The green line reflects the returns on the notes, while the dotted gray line reflects the returns of a direct investment
    in the Underlying Fund, excluding dividends.</P>
    <P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; background-color: #F2F2F2">This graph has been prepared for purposes
    of illustration only.</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 following table and 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
Redemption Amount and total rate of return based on a hypothetical Starting Value of 100, the Participation Rate of 300%, a hypothetical
Capped Value of $11.30 per unit and a range of hypothetical Ending Values. <B>The actual amount you receive and the resulting total rate
of return will depend on the actual Starting Value, Ending Value and Capped Value, and whether you hold the notes to maturity.</B> The
following examples do not take into account any tax consequences from 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">For recent actual prices of the Underlying Fund, see &ldquo;The Underlying
Fund&rdquo; section below. 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>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="width: 24%; padding-right: 5.4pt; padding-left: 5.4pt">
    <P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center; border-bottom: Black 0.5pt solid"><B>Ending Value</B></P></TD>
    <TD STYLE="text-align: center; width: 31%; padding-right: 5.4pt; padding-left: 5.4pt">
    <P STYLE="border-bottom: Black 0.5pt solid; font: 9pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><B>Percentage Change
    from the <BR>
Starting Value to the Ending <BR>
Value</B></P></TD>
    <TD STYLE="text-align: center; width: 21%; padding-right: 5.4pt; padding-left: 5.4pt">
    <P STYLE="border-bottom: Black 0.5pt solid; font: 9pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><B>Redemption Amount
    <BR>
per Unit</B></P></TD>
    <TD STYLE="text-align: center; width: 24%; padding-right: 5.4pt; padding-left: 5.4pt">
    <P STYLE="border-bottom: Black 0.5pt solid; font: 9pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><B>Total Rate of
    Return on the <BR>
Notes</B></P></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.00</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">-100.00%</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$0.00</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">-100.00%</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">50.00</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">-50.00%</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$5.00</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">-50.00%</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">80.00</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">-20.00%</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$8.00</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">-20.00%</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">90.00</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">-10.00%</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$9.00</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">-10.00%</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">94.00</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">-6.00%</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$9.40</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">-6.00%</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">97.00</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">-3.00%</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$9.70</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">-3.00%</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;&nbsp;100.00<SUP>(1)</SUP></FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.00%</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$10.00</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.00%</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">102.00</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">2.00%</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$10.60</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">6.00%</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">103.00</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">3.00%</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$10.90</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">9.00%</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">104.34</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">4.34%</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;&nbsp;&nbsp;$11.30<SUP>(2)</SUP></FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">13.00%</FONT></TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">130.00</FONT></TD>
    <TD STYLE="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">30.00%</FONT></TD>
    <TD STYLE="vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$11.30</FONT></TD>
    <TD STYLE="vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">13.00%</FONT></TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">150.00</FONT></TD>
    <TD STYLE="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">50.00%</FONT></TD>
    <TD STYLE="vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$11.30</FONT></TD>
    <TD STYLE="vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">13.00%</FONT></TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">200.00</FONT></TD>
    <TD STYLE="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">100.00%</FONT></TD>
    <TD STYLE="vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$11.30</FONT></TD>
    <TD STYLE="vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">13.00%</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"></TD><TD STYLE="width: 0.5in">(1)</TD><TD>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 for the Underlying Fund .</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>The Redemption Amount per unit cannot exceed the <B>hypothetical</B> Capped Value.</TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</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%; font: 10pt Arial, Helvetica, Sans-Serif; border-collapse: collapse"><TR STYLE="vertical-align: top"><TD STYLE="width: 92%; border-top: green 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt; color: #5b862b">Accelerated Return Notes<SUP>&reg;</SUP></FONT></TD><TD STYLE="width: 8%; border-top: green 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt; color: #5b862b">TS-<!-- 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">Accelerated
    Return Notes<SUP>&reg;</SUP> <BR>
    </FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt; color: #5b862b">Linked to the iShares<SUP>&reg;</SUP>
    U.S. Aerospace&nbsp;&amp; Defense ETF, due August&nbsp;&nbsp;&nbsp; , 2026</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>Redemption Amount Calculation Examples</B></P>

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="6" STYLE="padding-top: 5.4pt; padding-right: 5.4pt; padding-bottom: 5.4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>Example 1</B></FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="6" STYLE="padding: 5.4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">The Ending Value is 50.00, or 50.00% of the Starting Value:</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="6" STYLE="padding: 5.4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Starting Value:&#9;100.00</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="6" STYLE="padding: 5.4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Ending Value:&#9;50.00</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="2" STYLE="padding: 5.4pt">
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><IMG SRC="tm2513758d51_fwpimg004.gif" ALT="" STYLE="height: 30px; width: 76px"></FONT></P>
    <P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P></TD>
    <TD COLSPAN="4" STYLE="padding: 5.4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>= $5.00</B> Redemption Amount per unit</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="2">&nbsp;</TD>
    <TD COLSPAN="4">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="6" STYLE="padding-right: 5.4pt; padding-bottom: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>Example 2</B></FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="6" STYLE="padding: 5.4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">The Ending Value is 103.00, or 103.00% of the Starting Value:</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="6" STYLE="padding: 5.4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Starting Value:&#9;100.00</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="6" STYLE="padding: 5.4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Ending Value:&#9;103.00</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 5.4pt; padding-bottom: 5.4pt">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="padding: 5.4pt; vertical-align: top"><IMG SRC="tm2513758d51_fwpimg005.jpg" ALT=""><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"></FONT></TD>
    <TD STYLE="padding: 5.4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>= $10.90</B> Redemption Amount per unit</FONT></TD>
    <TD STYLE="padding-top: 5.4pt; padding-bottom: 5.4pt">&nbsp;</TD></TR>
  <TR>
    <TD>&nbsp;</TD>
    <TD COLSPAN="3" STYLE="vertical-align: top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="6" STYLE="padding-right: 5.4pt; padding-bottom: 5.4pt; padding-left: 5.4pt">
    <P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"></P>
    <P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B>Example 3</B></P></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="6" STYLE="padding: 5.4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">The Ending Value is 130.00, or 130.00% of the Starting Value:</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="6" STYLE="padding: 5.4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Starting Value:&#9;100.00</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="6" STYLE="padding: 5.4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Ending Value:&#9;130.00</FONT></TD></TR>
  <TR>
    <TD COLSPAN="3" STYLE="padding: 5.4pt; vertical-align: top"><IMG SRC="tm2513758d51_fwpimg006.jpg" ALT=""><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"></FONT></TD>
    <TD COLSPAN="3" STYLE="padding: 5.4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>= $19.00, however, because the Redemption Amount for the notes cannot exceed the hypothetical Capped Value, the Redemption Amount will be $11.30 per unit</B></FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 5.4pt; width: 1%; padding-bottom: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-top: 5.4pt; width: 12%; padding-bottom: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-top: 5.4pt; width: 17%; padding-bottom: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-top: 5.4pt; width: 2%; padding-bottom: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-top: 5.4pt; width: 67%; padding-bottom: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-top: 5.4pt; width: 1%; padding-bottom: 5.4pt">&nbsp;</TD></TR>
  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</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%; font: 10pt Arial, Helvetica, Sans-Serif; border-collapse: collapse"><TR STYLE="vertical-align: top"><TD STYLE="width: 92%; border-top: green 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt; color: #5b862b">Accelerated Return Notes<SUP>&reg;</SUP></FONT></TD><TD STYLE="width: 8%; border-top: green 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt; color: #5b862b">TS-<!-- 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">Accelerated
    Return Notes<SUP>&reg;</SUP> <BR>
    </FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt; color: #5b862b">Linked to the iShares<SUP>&reg;</SUP>
    U.S. Aerospace&nbsp;&amp; Defense ETF, due August&nbsp;&nbsp;&nbsp; , 2026</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: 9pt 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-6 of product
supplement EQUITY ARN-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"><FONT STYLE="font-size: 5pt">&nbsp;</FONT></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; font-size: 9pt; color: #5b8f22">&sect;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Depending on the performance of the Underlying Fund as measured shortly before
the maturity date, you may lose up to 100% of the principal amount.</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; font-size: 9pt; color: #5b8f22">&sect;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Your investment return is limited to the return represented by the Capped
Value 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; font-size: 9pt; color: #5b8f22">&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; font-size: 9pt; color: #5b8f22">&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; text-align: left; margin-top: 0pt; margin-right: 0; margin-bottom: 0pt"><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; font-size: 9pt; color: #5b8f22">&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-12,
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; font-size: 9pt; color: #5b8f22">&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; font-size: 9pt; color: #5b8f22">&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; font-size: 9pt; color: #5b8f22">&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 0pt 0.5in; text-indent: -0.5in"><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; font-size: 9pt; color: #5b8f22">&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; font-size: 9pt; color: #5b8f22">&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; font-size: 9pt; color: #5b8f22">&sect;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">The sponsor and investment advisor of the Underlying Fund may adjust the Underlying
Fund in a way that could adversely affect the price of the Underlying Fund and consequently, the return on the notes, and have no obligation
to consider your interests.</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</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%; font: 10pt Arial, Helvetica, Sans-Serif; border-collapse: collapse"><TR STYLE="vertical-align: top"><TD STYLE="width: 92%; border-top: green 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt; color: #5b862b">Accelerated Return Notes<SUP>&reg;</SUP></FONT></TD><TD STYLE="width: 8%; border-top: green 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt; color: #5b862b">TS-<!-- 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">Accelerated
    Return Notes<SUP>&reg;</SUP> <BR>
    </FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt; color: #5b862b">Linked to the iShares<SUP>&reg;</SUP>
    U.S. Aerospace&nbsp;&amp; Defense ETF, due August&nbsp;&nbsp;&nbsp; , 2026</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; font-size: 9pt; color: #5b8f22">&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; font-size: 9pt; color: #5b8f22">&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 of companies included in 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; font-size: 9pt; color: #5b8f22">&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; font-size: 9pt; color: #5b8f22">&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; font-size: 9pt; color: #5b8f22">&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 ARNs&mdash;Anti-Dilution and Discontinuance Adjustments Relating to Underlying
Funds&rdquo; beginning on page&nbsp;PS-25 of product supplement EQUITY ARN-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-top: 0pt; margin-right: 0; margin-bottom: 0pt"><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; font-size: 9pt; color: #5b8f22">&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-37 of product supplement EQUITY ARN-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>The securities held by the Underlying Fund&nbsp;are concentrated in
one sector.</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">All of the securities held by the Underlying Fund are issued by companies
whose primary lines of business are directly associated with the aerospace and defense sector. As a result, the securities that will determine
the performance of the notes are concentrated in one sector. Although an investment in the notes will not give holders any ownership or
other direct interests in the securities held by the Underlying Fund, the return on the notes will be subject to certain risks associated
with a direct investment in the aerospace and defense sector. Accordingly, by investing in the notes, you will not benefit from the diversification
which could result from an investment linked to companies that operate in multiple sectors.</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>Adverse conditions in the aerospace and defense sector may reduce
your return 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">The Underlying Fund holds securities issued by companies in the aerospace
and defense sector. The aerospace and defense sector may be significantly affected by changes in government regulations and spending policies,
changes in economic conditions and industry consolidation as well as geopolitical events, international conflicts and other factors that
interact in complex and unpredictable ways. The financial condition of these companies is heavily influenced by government defense spending,
which may be reduced in efforts to control government budgets. The aerospace industry in particular has recently been affected by adverse
economic conditions and consolidation within the industry. Adverse developments in the aerospace and defense sector are expected to have
an adverse effect on the price of the Underlying Fund and, as a result, on the return 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>A limited number of equity securities held by the Underlying Fund
may affect its price, and the Underlying Index is not necessarily representative of the aerospace and defense sector.</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. As
of June 3, 2025, the top three equity securities held by the Underlying Fund constituted 45.41% of the total weight of the
Underlying Fund, and the top one security constituted 20.97% of the total weight. Given this concentration, any reduction in the
market price of those securities is likely to have a substantial adverse impact on the price of the Underlying Fund and the return
on the notes.</P>

<P STYLE="font: 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 Dow Jones U.S. Select Aerospace&nbsp;&amp;
Defense Index (the &ldquo;Underlying Index&rdquo;) are equity securities of companies generally considered to be involved in the aerospace
and defense sector, the securities included in the Underlying Index may not follow the price movements of the entire aerospace and defense
sector generally. If the securities included in the Underlying Index (and, accordingly, the securities held by the Underlying Fund) decline
in value, the Underlying Fund will decline in value even if security prices in the aerospace and defense sector generally increase in
value.</P>

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


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


<P STYLE="font: 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">Accelerated
    Return Notes<SUP>&reg;</SUP> <BR>
    </FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt; color: #5b862b">Linked to the iShares<SUP>&reg;</SUP>
    U.S. Aerospace&nbsp;&amp; Defense ETF, due August&nbsp;&nbsp;&nbsp; , 2026</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, BlackRock Fund Advisors, which is the investment advisor of the Underlying Fund. The consequences of any
discontinuance of the Underlying Fund or the Underlying Index are discussed in the section entitled &ldquo;Description of ARNs&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-28 of product supplement EQUITY ARN-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>The iShares<SUP>&reg;</SUP> U.S. Aerospace&nbsp;&amp; Defense 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 Underlying Fund seeks to provide investment results that correspond
generally to the price and yield performance, before fees and expenses, of the Dow Jones U.S. Select Aerospace&nbsp;&amp; Defense Index.
The Underlying Index was developed by S&amp;P Dow Jones Indices LLC (&ldquo;SPDJI&rdquo;) and is designed to track the performance of
U.S. equities in the aerospace and defense sector. The Underlying Fund uses a representative sampling strategy to try to track the Underlying
Index and generally will invest at least 80% of its assets in the components of the Underlying Index. The returns of the Underlying Fund
will be reduced by certain management fees and other expenses, which are detailed in its prospectus and which may cause the Underlying
Fund to underperform the components of the Underlying Index. Shares of the Underlying Fund trade on the Cboe BZX under the ticker symbol
 &ldquo;ITA.&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; text-align: justify">Information filed by the Underlying Fund with the
SEC pursuant to the Securities Exchange Act of 1934 and the Investment Company Act can be located by reference to the SEC file numbers
333-92935 and 811-09729, respectively on the SEC&rsquo;s website at http://www.sec.gov. In addition, information about the Underlying
Fund may be obtained from other sources including, but not limited to, the Underlying Fund&rsquo;s website. We are not incorporating by
reference into this pricing supplement the website or any material it includes. Neither we nor the agent makes any representation that
such publicly available information regarding the Underlying Fund is accurate or complete.</P>

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

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B>The Dow Jones U.S. Select Aerospace&nbsp;&amp; Defense Index</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><I>General</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 Dow Jones U.S. Select Aerospace&nbsp;&amp; Defense Index is a float-adjusted
market capitalization-weighted index that is designed to measure the performance of U.S. companies in the aerospace and defense sector.
Component companies consist of manufacturers, assemblers and distributors of aircraft and aircraft parts primarily used in commercial
or private air transport and producers of components and equipment for the defense industry, including military aircraft, radar equipment
and weapons. The index has a base date of December&nbsp;31, 1991. The level of the index is reported by Bloomberg L.P. under the ticker
symbol &ldquo;DJSASD.&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"><B><I>Index Eligibility</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 index universe includes all common stocks of companies in the Dow
Jones U.S. Broad Stock Market Index that are categorized into the aerospace or defense sectors, based on a proprietary classification
system used by SPDJI. The Dow Jones U.S. Broad Stock Market Index is designed to measure the performance of large- and small-capitalization
U.S. equity securities. To be eligible for inclusion in the Dow Jones U.S. Broad Stock Market Index, a company must be a &ldquo;U.S. company&rdquo;,
which is generally defined as (1)&nbsp;a company that files 10-K annual reports, (2)&nbsp;for which the U.S. portion of fixed assets and
revenues constitute a plurality of the total, but need not exceed 50%, (3)&nbsp;its primary listing must be on one of the following U.S.
stock exchanges: NYSE, Nasdaq Capital Market, NYSE Arca, CBOE BZX, NYSE American, CBOE BYX, Nasdaq Global Select Market, CBOE EDGA, Nasdaq
Select Market, CBOE EDGX, and (4)&nbsp;a corporation (including equity and mortgage REITs). Only common stock of a company is eligible
for inclusion in the Dow Jones U.S. Broad Stock Market Index. All publicly listed multiple share class lines are eligible for inclusion
in that index, subject to meeting the eligibility criteria.</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>Constituent Selection</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">On the last business day of the month prior to the quarterly rebalancing,
a nonconstituent company must have float-adjusted market capitalization of at least $500 million to enter the Dow Jones U.S. Select Aerospace&nbsp;&amp;
Defense Index. If a company is already an index constituent, its float-adjusted market capitalization must be at least $250 million to
remain in the index. At each quarterly rebalancing, if the component count is less than 22 after applying the rules&nbsp;set forth in
the eligibility criteria, the market capitalization requirement is relaxed so that the next largest non-component in the eligible universe
is added until the component count reaches 22.</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 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 Dow Jones U.S. Select Aerospace&nbsp;&amp; Defense Index is a capped,
float-adjusted market capitalization-weighted index. On any given day, its index value is the total float-adjusted market capitalization
its constituents divided by its divisor. The float-adjusted market capitalization reflects the price of each stock in the index multiplied
by the number of shares used in the index value calculation, and reflects adjustments from an additional weight factor (&ldquo;AWF&rdquo;)
used to confine constituents to a maximum weight (as set forth below) and distribute excess weight among remaining constituents.</P>

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


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


<P STYLE="font: 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">Accelerated
    Return Notes<SUP>&reg;</SUP> <BR>
    </FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt; color: #5b862b">Linked to the iShares<SUP>&reg;</SUP>
    U.S. Aerospace&nbsp;&amp; Defense ETF, due August&nbsp;&nbsp;&nbsp; , 2026</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>Constituent Weighting</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 Dow Jones U.S. Select Aerospace&nbsp;&amp; Defense Index is weighted
by float-adjusted market capitalization, subject to the following adjustments, which are made as part of the quarterly rebalancings in
March, June, September, and December:</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><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">The weight of any individual company is capped at 22.50%.</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"></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: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">If any company&rsquo;s weight exceeds 22.50%, that company&rsquo;s weight
is capped at 22.50% and all excess weight is proportionally redistributed to all uncapped companies within the index. If after this redistribution,
any company breaches the 22.50% weight cap, the process is repeated iteratively until no company breaches the 22.50% weight cap.</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"></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: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Then, the aggregate weight of the companies in the index with a weight greater
than 4.50% is capped at 45%.</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><I>Index Rebalancing</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 Dow Jones U.S. Select Aerospace&nbsp;&amp; Defense Index is rebalanced
quarterly, effective at the open of trading on the Monday following the third Friday of March, June, September&nbsp;and December. Component
eligibility is determined as of the last trading day of the month prior to rebalancing. As part of the rebalancing process, index composition,
shares and weight caps are adjusted, if necessary.</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>Additions</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">With the exception of spin-offs, no additions are made to the index between
quarterly rebalancings.</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>Deletions</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">Between rebalancings, a company can be deleted from the index due to
corporate events such as mergers, acquisitions, takeovers, delistings or bankruptcies. Deleted constituents are not replaced between rebalancings.
If, during the course of the regular review of company classifications, a constituent&rsquo;s sub-sector classification changes to an
ineligible sub-sector, it is removed from the index at the next rebalancing. If a constituent&rsquo;s sector classification changes due
to a corporate action such as a merger or spin-off, it is evaluated and may be removed from the index at that 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">In addition to the scheduled quarterly rebalancings, the Dow Jones U.S.
Select Aerospace&nbsp;&amp; Defense Index is reviewed on an ongoing basis. Changes in index composition and related weight adjustments
are necessary whenever there are extraordinary events such as delistings, bankruptcies, mergers, or takeovers involving index components.
In these cases, each event will be taken into account as soon as it is effective. Whenever possible, the changes in the index components
will be announced at least two business days prior to their implementation date.</P>

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding: 1.3pt 1.55pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>Type of&nbsp;</B><BR>
 &nbsp;<B>Corporate Action</B></FONT></TD>
    <TD STYLE="padding: 1.3pt 1.55pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>Comments</B></FONT></TD>
    <TD STYLE="padding: 1.3pt 1.55pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>Divisor&nbsp;</B><BR>
 &nbsp;<B>Adjustment</B></FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 1.3pt 1.55pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Company Addition/Deletion</FONT></TD>
    <TD STYLE="padding: 1.3pt 1.55pt">
    <P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Addition: Companies are added at the float-adjusted market capitalization
    weight.</P>
    <P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Deletion: The weights of all stocks in the Dow Jones U.S. Select Aerospace&nbsp;&amp;
    Defense Index&nbsp;will proportionally change. Relative weights will stay the same.</P></TD>
    <TD STYLE="padding: 1.3pt 1.55pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Yes</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 1.3pt 1.55pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Change in Shares Outstanding</FONT></TD>
    <TD STYLE="padding: 1.3pt 1.55pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Increasing (decreasing) the shares outstanding increases (decreases) the market capitalization of the&nbsp;Dow Jones U.S. Select Aerospace&nbsp;&amp; Defense Index.</FONT></TD>
    <TD STYLE="padding: 1.3pt 1.55pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Yes</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 1.3pt 1.55pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Split/Reverse Split</FONT></TD>
    <TD STYLE="padding: 1.3pt 1.55pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Shares outstanding are adjusted by split ratio. Stock price is adjusted by split ratio.</FONT></TD>
    <TD STYLE="padding: 1.3pt 1.55pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">No</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 1.3pt 1.55pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Spin-off</FONT></TD>
    <TD STYLE="padding: 1.3pt 1.55pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">The spun-off company is added to the Dow Jones U.S. Select Aerospace&nbsp;&amp; Defense Index&nbsp;at a zero price after the market close of the day before the ex-date (with no divisor adjustment). It will remain in the index until the next index rebalancing, at which time it will be evaluated for continued membership.</FONT></TD>
    <TD STYLE="padding: 1.3pt 1.55pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Maybe</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 1.3pt 1.55pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Change in&nbsp;Investable Weight Factor (&ldquo;IWF&rdquo;)</FONT></TD>
    <TD STYLE="padding: 1.3pt 1.55pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Increasing (decreasing) the IWF increases (decreases) the market capitalization of the&nbsp;Dow Jones U.S. Select Aerospace&nbsp;&amp; Defense Index.</FONT></TD>
    <TD STYLE="padding: 1.3pt 1.55pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Yes</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 1.3pt 1.55pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Special Dividends</FONT></TD>
    <TD STYLE="padding: 1.3pt 1.55pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">The stock price is adjusted by the amount of the dividend.</FONT></TD>
    <TD STYLE="padding: 1.3pt 1.55pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Yes</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 1.3pt 1.55pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Rights Offering</FONT></TD>
    <TD STYLE="padding: 1.3pt 1.55pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">All rights offerings that are in the money on the ex-date are applied under the assumption the rights are fully subscribed. The stock price is adjusted by the value of the rights and the shares outstanding are increased by the rights ratio.</FONT></TD>
    <TD STYLE="padding: 1.3pt 1.55pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Yes</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><I>Index Governance</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">An S&amp;P Dow Jones Indices Index Committee (the &ldquo;Index Committee&rdquo;)
maintains the Dow Jones U.S. Select Aerospace&nbsp;&amp; Defense Index. All Index Committee members are full-time professional members
of SPDJI&rsquo;s staff. The Index Committee meets regularly. At each meeting, the Index Committee may review pending corporate actions
that may affect index constituents, statistics comparing the composition of the index to the market, companies that are being considered
as candidates for addition to the index, and any significant</P>

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


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    <DIV STYLE="margin-top: 12pt; margin-bottom: 6pt"><P STYLE="margin: 0pt"></P><TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif; border-collapse: collapse"><TR STYLE="vertical-align: top"><TD STYLE="width: 92%; border-top: green 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt; color: #5b862b">Accelerated Return Notes<SUP>&reg;</SUP></FONT></TD><TD STYLE="width: 8%; border-top: green 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt; color: #5b862b">TS-<!-- 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">Accelerated
    Return Notes<SUP>&reg;</SUP> <BR>
    </FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt; color: #5b862b">Linked to the iShares<SUP>&reg;</SUP>
    U.S. Aerospace&nbsp;&amp; Defense ETF, due August&nbsp;&nbsp;&nbsp; , 2026</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">market events. In addition, the Index Committee may revise index policy
covering rules&nbsp;for selecting companies, treatment of dividends, share counts or other matters.</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 Index Committee reserves the right to make exceptions when applying
the methodology if the need arises.</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>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 June 3, 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 June 3, 2025, the Closing Market Price of the Underlying Fund was $179.35. 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="text-align: center; font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><IMG SRC="tm2513758d51_fwpimg008.jpg" ALT=""></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><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 the future performance of the Underlying Fund or what the value of the notes may be. Any historical upward or downward trend
in the price per share of the Underlying Fund during any period set forth above is not an indication that the price per share of the Underlying
Fund is more or less likely to increase or decrease at any time over the term of the notes.</I></B></P>

<P STYLE="font: 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>


<!-- Field: Page; Sequence: 10; Value: 2 -->
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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->


<P STYLE="font: 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">Accelerated
    Return Notes<SUP>&reg;</SUP> <BR>
    </FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt; color: #5b862b">Linked to the iShares<SUP>&reg;</SUP>
    U.S. Aerospace&nbsp;&amp; Defense ETF, due August&nbsp;&nbsp;&nbsp; , 2026</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"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></P>

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


<!-- 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%; font: 10pt Arial, Helvetica, Sans-Serif; border-collapse: collapse"><TR STYLE="vertical-align: top"><TD STYLE="width: 92%; border-top: green 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt; color: #5b862b">Accelerated Return Notes<SUP>&reg;</SUP></FONT></TD><TD STYLE="width: 8%; border-top: green 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt; color: #5b862b">TS-<!-- 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">Accelerated
    Return Notes<SUP>&reg;</SUP> <BR>
    </FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt; color: #5b862b">Linked to the iShares<SUP>&reg;</SUP>
    U.S. Aerospace&nbsp;&amp; Defense ETF, due August&nbsp;&nbsp;&nbsp; , 2026</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">At maturity, we are required to pay the Redemption Amount to holders
of the notes, which will be calculated based on the performance of the Underlying Fund and the $10 per unit principal amount. In order
to meet these payment obligations, at the time we issue the notes, we may choose to enter into certain hedging arrangements (which may
include call options, put options or other derivatives) with BofAS or one of its affiliates. The terms of these hedging arrangements are
determined by seeking bids from market participants, including BofAS and its affiliates, and take into account a number of factors, including
our creditworthiness, interest rate movements, the volatility of the Underlying Fund , the tenor of the notes and the tenor of the hedging
arrangements. The economic terms of the notes and their initial estimated value depend in part on the terms of these hedging arrangements.</P>

<P STYLE="font: 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-7 of product supplement EQUITY ARN-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>


<!-- 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%; font: 10pt Arial, Helvetica, Sans-Serif; border-collapse: collapse"><TR STYLE="vertical-align: top"><TD STYLE="width: 92%; border-top: green 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt; color: #5b862b">Accelerated Return Notes<SUP>&reg;</SUP></FONT></TD><TD STYLE="width: 8%; border-top: green 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt; color: #5b862b">TS-<!-- 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>
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<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">Accelerated
    Return Notes<SUP>&reg;</SUP> <BR>
    </FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt; color: #5b862b">Linked to the iShares<SUP>&reg;</SUP>
    U.S. Aerospace&nbsp;&amp; Defense ETF, due August&nbsp;&nbsp;&nbsp; , 2026</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 <I>Income Tax Act</I>
(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>


<!-- 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%; font: 10pt Arial, Helvetica, Sans-Serif; border-collapse: collapse"><TR STYLE="vertical-align: top"><TD STYLE="width: 92%; border-top: green 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt; color: #5b862b">Accelerated Return Notes<SUP>&reg;</SUP></FONT></TD><TD STYLE="width: 8%; border-top: green 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt; color: #5b862b">TS-<!-- 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">Accelerated
    Return Notes<SUP>&reg;</SUP> <BR>
    </FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt; color: #5b862b">Linked to the iShares<SUP>&reg;</SUP>
    U.S. Aerospace&nbsp;&amp; Defense ETF, due August&nbsp;&nbsp;&nbsp; , 2026</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 ARN-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-U.S.
Holders&rdquo; in product supplement EQUITY ARN-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;Accelerated Return Notes<SUP>&reg;</SUP>&rdquo; and &ldquo;ARNs<SUP>&reg;</SUP>&rdquo;
are registered service marks 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>

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

<!-- Field: Page; Sequence: 14; Options: Last -->
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end
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
