<SEC-DOCUMENT>0001104659-25-085359.txt : 20250829
<SEC-HEADER>0001104659-25-085359.hdr.sgml : 20250829
<ACCEPTANCE-DATETIME>20250829103936
ACCESSION NUMBER:		0001104659-25-085359
CONFORMED SUBMISSION TYPE:	FWP
PUBLIC DOCUMENT COUNT:		6
FILED AS OF DATE:		20250829
DATE AS OF CHANGE:		20250829

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:		251277382

	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>tm2522250d59_fwp.htm
<DESCRIPTION>FWP
<TEXT>
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    <TD STYLE="padding-bottom: 2pt; width: 29%; border: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; font-size: 12pt">&nbsp;</TD>
    <TD STYLE="padding-bottom: 2pt; width: 29%; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt"><P STYLE="font: 7pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center; color: red"><B>Subject to Completion</B></P>
    <P STYLE="font: 7pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center; color: red"><B>Preliminary Term Sheet</B></P>
    <P STYLE="font: 7pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center; color: red"><B>dated August 29, 2025</B></P></TD>
    <TD STYLE="padding-bottom: 2pt; 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: 12pt; text-align: right"><P STYLE="margin-top: 0; margin-bottom: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 7pt"><B>Filed Pursuant to Rule&nbsp;433</B></FONT></P>
                                                                                                                                                                                                                           <P STYLE="font-size: 2pt; margin-top: 0; margin-bottom: 0">&nbsp;</P>
                                                                                <P STYLE="margin-top: 0; margin-bottom: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 7pt"><B>Registration Statement No.&nbsp;333-272447</B></FONT></P>
                                                                                <P STYLE="font-size: 2pt; margin-top: 0; margin-bottom: 0">&nbsp;</P>
                                                                                <P STYLE="margin-top: 0; margin-bottom: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 7pt"><B>(To Prospectus dated September&nbsp;5, 2023,</B></FONT></P>
                                                                                <P STYLE="font-size: 2pt; margin-top: 0; margin-bottom: 0">&nbsp;</P>
                                                                                <P STYLE="margin-top: 0; margin-bottom: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 7pt"><B>Prospectus Supplement dated September&nbsp;5, 2023 and</B></FONT></P>
                                                                                <P STYLE="font-size: 2pt; margin-top: 0; margin-bottom: 0">&nbsp;</P>
                                                                                <P STYLE="margin-top: 0; margin-bottom: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 7pt"><B>Product
                                                                                Supplement EQUITY STR-1 dated September 5, 2023)</B></FONT></P></TD></TR>
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    <TD ROWSPAN="2" STYLE="padding-top: 10pt; width: 52%; padding-right: 5.4pt; padding-left: 9.9pt; font-size: 12pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt; color: White">&#8239;&#8239;&#8239;&#8239;&#8239;&nbsp;Units<BR>
$10 principal amount per unit<BR>
CUSIP No.&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<BR>
<IMG SRC="tm2522250d59_fwpimg01.jpg" ALT=""><BR>
</FONT></TD>
    <TD STYLE="padding-top: 10pt; width: 24%; padding-right: 5.4pt; padding-left: 9.9pt">
    <P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: White">Pricing Date*</P>
    <P STYLE="color: white; font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Settlement Date*</P>
    <P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: White">Maturity Date*</P></TD>
    <TD STYLE="padding-top: 10pt; width: 24%; padding-right: 5.4pt; padding-left: 5.4pt">
    <P STYLE="color: white; font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right">September , 2025</P>
    <P STYLE="color: white; font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right">September , 2025</P>
    <P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right; color: White">September , 2028</P></TD></TR>
  <TR STYLE="vertical-align: top; background-color: #1F497D">
    <TD COLSPAN="2" STYLE="padding-right: 5.4pt; padding-left: 9.9pt; font-size: 12pt"><P STYLE="margin-top: 0; margin-bottom: 0"><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></P>
                                                                                <P STYLE="margin-top: 0; margin-bottom: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 7pt; color: white">&nbsp;</FONT></P>
                                                                                <P STYLE="margin-top: 0; margin-bottom: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 7pt; color: white">&nbsp;</FONT></P></TD></TR>
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<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 12pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
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    <TD STYLE="width: 25%; background-color: #046E87; padding-right: 5.4pt; padding-left: 9.9pt"><FONT STYLE="font-size: 3pt">&nbsp;</FONT></TD>
    <TD STYLE="width: 25%; background-color: #C87D0E; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 3pt">&nbsp;</FONT></TD>
    <TD STYLE="width: 25%; background-color: #5C255C; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 3pt">&nbsp;</FONT></TD>
    <TD STYLE="width: 25%; background-color: #61961A; padding-right: 5.4pt; padding-left: 5.4pt"></TD></TR>
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<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse; font-family: Arial, Helvetica, Sans-Serif">
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    <TD STYLE="width: 100%; padding-right: 5.4pt; padding-left: 9.9pt">
    <P STYLE="font: 18pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 4pt; color: white"><B>Autocallable Strategic Accelerated Redemption
Securities<SUP>&reg; </SUP>Linked to the Russell 2000<SUP>&reg;</SUP> Index</B></P>
    <P STYLE="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 4pt 0.25in; text-indent: -0.25in; color: white"><FONT STYLE="font-family: Wingdings; font-size: 8pt">&sect;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Automatically callable if the closing level of the Index on any Observation Date,
occurring approximately one, two and three years after the pricing date, is at or above the Starting Value</FONT></P>
    <P STYLE="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 4pt 17pt; text-indent: -0.25in; color: white"><FONT STYLE="font-family: Wingdings; font-size: 8pt">&sect;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><FONT STYLE="font-size: 8pt">In
    the event of an automatic call, the amount payable per unit will be:</FONT></P>
    <P STYLE="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 4pt 0.5in; text-indent: -0.25in; color: white"><FONT STYLE="font-family: Wingdings; font-size: 8pt">&sect;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;
    </FONT><FONT STYLE="font-size: 8pt">[$10.95 to $11.05] if called on the first Observation Date</FONT></P>
    <P STYLE="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 4pt 0.5in; text-indent: -0.25in; color: white"><FONT STYLE="font-family: Wingdings; font-size: 8pt">&sect;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;
    </FONT><FONT STYLE="font-size: 8pt">[$11.90 to $12.10] if called on the second Observation Date</FONT></P>
    <P STYLE="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 4pt 0.5in; text-indent: -0.25in; color: white"><FONT STYLE="font-family: Wingdings; font-size: 8pt">&sect;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;
</FONT><FONT STYLE="font-size: 8pt">[$12.85 to $13.15] if called on the final Observation Date</FONT></P>
    <P STYLE="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 4pt 17pt; text-indent: -0.25in; color: white"><FONT STYLE="font-family: Wingdings; font-size: 8pt">&sect;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><FONT STYLE="font-size: 8pt">If
    not called on the first two Observation Dates, a maturity of approximately three years</FONT></P>
    <P STYLE="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 4pt 17pt; text-indent: -0.25in; color: white"><FONT STYLE="font-family: Wingdings; font-size: 8pt">&sect;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><FONT STYLE="font-size: 8pt">If
    not called, 1-to-1 downside exposure to decreases in the Index, with up to 100.00% of the principal amount at risk</FONT></P>
    <P STYLE="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 4pt 0.25in; text-indent: -0.25in; color: white"><FONT STYLE="font-family: Wingdings; font-size: 8pt">&sect;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;All
    payments are subject to the credit risk of Canadian Imperial Bank of Commerce</FONT></P>
    <P STYLE="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 4pt 0.25in; text-indent: -0.25in; color: white"><FONT STYLE="font-family: Wingdings; font-size: 8pt">&sect;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;No
    periodic interest payments</FONT></P>
    <P STYLE="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 4pt 0.25in; text-indent: -0.25in; color: white"><FONT STYLE="font-family: Wingdings; font-size: 8pt">&sect;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;In
    addition to the underwriting discount set forth below, the notes include a hedging-related charge of $0.05 per unit. See &ldquo;Structuring
    the Notes&rdquo;</FONT></P>
    <P STYLE="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 4pt 0.25in; text-indent: -0.25in; color: white"><FONT STYLE="font-family: Wingdings; font-size: 8pt">&sect;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Limited
    secondary market liquidity, with no exchange listing</FONT></P>
    <P STYLE="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 4pt 0.25in; text-indent: -0.25in; color: white"><FONT STYLE="font-family: Wingdings; font-size: 8pt">&sect;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;The
    notes are unsecured debt securities and are not savings accounts or insured deposits of a bank. The notes are not insured or guaranteed
    by the Canada Deposit Insurance Corporation, the U.S. Federal Deposit Insurance Corporation or any other governmental agency of the
    United States, Canada, or any other jurisdiction</FONT></P></TD></TR>
  <TR STYLE="vertical-align: top; background-color: #B8CCE4">
    <TD STYLE="padding-right: 5.4pt; padding-left: 9.9pt; font-size: 12pt"><FONT STYLE="font-size: 6pt">&nbsp;</FONT></TD></TR>
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<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>The
notes are being issued by Canadian Imperial Bank of Commerce (&ldquo;CIBC&rdquo;). There are important differences between the notes
and a conventional debt security, including different investment risks and certain additional costs. See &ldquo;Risk Factors&rdquo; and
 &ldquo;Additional Risk Factors&rdquo; beginning on page&nbsp;TS-6 of this term sheet and &ldquo;Risk Factors&rdquo; beginning on page&nbsp;PS-7
of product supplement EQUITY STR-1.</B></FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 4pt">&nbsp;</FONT></P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>The
initial estimated value of the notes as of the pricing date is expected to be between $9.337 and $9.635 per unit<FONT STYLE="background-color: white">,
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.</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 7pt">&nbsp;</FONT></P>

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

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

<P STYLE="font: 7pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 7pt">&nbsp;</FONT></P>

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<P STYLE="font: 7pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

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<TABLE CELLSPACING="0" CELLPADDING="0" ALIGN="CENTER" STYLE="width: 80%; border-collapse: collapse; font-family: Arial, Helvetica, Sans-Serif">
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-bottom: 1pt; padding-right: 5.4pt; padding-left: 5.4pt; width: 42%; font-size: 8pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-bottom: 1pt; padding-right: 5.4pt; padding-left: 5.4pt; width: 26%; font-size: 8pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><U>Per
    Unit</U></FONT></TD>
    <TD STYLE="padding-bottom: 1pt; padding-right: 5.4pt; padding-left: 5.4pt; width: 32%; font-size: 8pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><U>Total</U></FONT></TD></TR>
  <TR STYLE="font-size: 8pt; vertical-align: top">
    <TD STYLE="padding-bottom: 1pt; padding-right: 5.4pt; padding-left: 5.4pt; font-size: 8pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Public
    offering price<SUP>(1)</SUP></FONT></TD>
    <TD STYLE="padding-bottom: 1pt; padding-right: 5.4pt; padding-left: 5.4pt; font-size: 8pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">$&#8239;&#8239;&#8239;10.00</FONT></TD>
    <TD STYLE="padding-bottom: 1pt; padding-right: 5.4pt; padding-left: 5.4pt; font-size: 8pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">$&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT></TD></TR>
  <TR STYLE="font-size: 8pt; vertical-align: top">
    <TD STYLE="padding-bottom: 1pt; padding-right: 5.4pt; padding-left: 5.4pt; font-size: 8pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Underwriting
    discount<SUP>(1)</SUP></FONT></TD>
    <TD STYLE="padding-bottom: 1pt; padding-right: 5.4pt; padding-left: 5.4pt; font-size: 8pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">$&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;0.20</FONT></TD>
    <TD STYLE="padding-bottom: 1pt; padding-right: 5.4pt; padding-left: 5.4pt; font-size: 8pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">$&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT></TD></TR>
  <TR STYLE="font-size: 8pt; vertical-align: top">
    <TD STYLE="padding-bottom: 1pt; padding-right: 5.4pt; padding-left: 5.4pt; font-size: 8pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Proceeds,
    before expenses, to CIBC</FONT></TD>
    <TD STYLE="padding-bottom: 1pt; padding-right: 5.4pt; padding-left: 5.4pt; font-size: 8pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">$&#8239;&#8239;&#8239;&#8239;&#8239;9.80</FONT></TD>
    <TD STYLE="padding-bottom: 1pt; padding-right: 5.4pt; padding-left: 5.4pt; font-size: 8pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">$&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT></TD></TR>
  </TABLE><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>&nbsp;</B></FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="font-family: Arial, Helvetica, Sans-Serif; vertical-align: top">
<TD STYLE="font-family: Arial, Helvetica, Sans-Serif; width: 0.5in"></TD><TD STYLE="font-family: Arial, Helvetica, Sans-Serif; width: 0.25in"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(1)</FONT></TD><TD STYLE="font-family: Arial, Helvetica, Sans-Serif"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">For
                                            any purchase of 300,000 units or more in a single transaction by an individual investor or
                                            in combined transactions with the investor's household in this offering, the public offering
                                            price and the underwriting discount will be $9.95 per unit and $0.15 per unit, respectively.
                                            See &ldquo;Supplement to the Plan of Distribution&rdquo; below.</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 7pt">&nbsp;</FONT></P>

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

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 2pt">&nbsp;</FONT></P>

<TABLE CELLSPACING="0" CELLPADDING="0" ALIGN="CENTER" STYLE="font: 9pt Arial, Helvetica, Sans-Serif; width: 75%; border-collapse: collapse">
  <TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif; vertical-align: top">
    <TD STYLE="border: Black 1pt solid; padding: 2.5pt 5.4pt; font-size: 12pt; text-align: center; width: 34%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>Are
    Not FDIC Insured</B></FONT></TD>
    <TD STYLE="border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; padding: 2.5pt 5.4pt; width: 33%; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>Are
    Not Bank Guaranteed</B></FONT></TD>
    <TD STYLE="border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; padding: 2.5pt 5.4pt; width: 33%; 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="margin-top: 0; margin-bottom: 0">&nbsp;</P>

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

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

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

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

<P STYLE="margin-top: 0; margin-bottom: 0">&nbsp;</P>
<P STYLE="font: 14pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B>BofA
Securities</B></FONT></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">September&nbsp;
, 2025</FONT></P>

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

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

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"></FONT></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: 12pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 16pt; color: #5b862b">Autocallable
    Strategic Accelerated Redemption Securities<SUP>&reg;</SUP> <BR>
    </FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt; color: #5b862b">Linked to the Russell 2000<SUP>&reg;</SUP>
    Index, due September&nbsp; , 2028</FONT></TD>
    <TD STYLE="width: 19%; border-bottom: #5B862B 4.5pt solid; padding-right: 5.4pt; padding-left: 5.4pt; font-size: 12pt; text-align: right">&nbsp;</TD></TR>
  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"></FONT>&nbsp;</P>

<P STYLE="font: 18pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5b862b"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Summary</FONT></P>

<P STYLE="font: 7pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></P>

<P STYLE="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">The
Autocallable Strategic Accelerated Redemption Securities<SUP>&reg; </SUP>Linked to the Russell 2000<SUP>&reg;</SUP> Index, due September&nbsp;
, 2028 (the &ldquo;notes&rdquo;) are our senior unsecured debt securities. The notes are not guaranteed or insured by the Canada Deposit
Insurance Corporation, the U.S. Federal Deposit Insurance Corporation or any other governmental agency of the United States, Canada or
any other jurisdiction or secured by collateral. The notes are not bail-inable debt securities (as defined on page&nbsp;6 of the prospectus).
<B>The notes will rank equally with all of our other unsecured and unsubordinated debt. Any payments due on the notes, including any
repayment of principal, will be subject to the credit risk of CIBC. </B>The notes will be automatically called at the applicable Call
Amount if the closing level of the Market Measure, which is the Russell 2000<SUP>&reg;</SUP> Index (the &ldquo;Index&rdquo;), on any
Observation Date is equal to or greater than the Starting Value. You will not receive any notice from us if the notes are automatically
called. If your notes are not called, you will lose all or a portion of the principal amount of your notes. Any payments on the notes
will be calculated based on the $10 principal amount per unit and will depend on the performance of the Index, subject to our credit
risk. See &ldquo;Terms of the Notes&rdquo; below.</FONT></P>

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

<P STYLE="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">The
economic terms of the notes (including the Call Premiums and the Call Amounts) are based on our internal funding rate, which is the rate
we would pay to borrow funds through the issuance of market-linked notes, and the economic terms of certain related hedging arrangements.
Our internal funding rate is typically lower than the rate we would pay when we issue conventional fixed rate debt securities. This difference
in funding rate, as well as the underwriting discount and the hedging-related charge and certain service fee described below, will reduce
the economic terms of the notes to you and the initial estimated value of the notes on the pricing date. Due to these factors, the public
offering price you pay to purchase the notes will be greater than the initial estimated value of the notes.</FONT></P>

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

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

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

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 7pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
  <TR>
    <TD COLSPAN="2" STYLE="padding-bottom: 10pt; vertical-align: top; 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: 10pt; color: rgb(91,134,43); padding-right: 5.4pt; padding-left: 5.4pt; font-size: 18pt">Payment
    Determination</TD></TR>
  <TR>
    <TD STYLE="font-size: 8pt; padding-top: 3pt; vertical-align: top; background-color: #F2F2F2; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5b8f22"><B>Issuer:</B></FONT></TD>
    <TD STYLE="font-size: 8pt; padding: 3pt 5.4pt 4pt; vertical-align: top"><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: 3pt; padding-right: 5.4pt; padding-left: 5.4pt">
    <P STYLE="font: 12pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5b862b"><B>Automatic Call Provision:</B></P></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="font-size: 8pt; background-color: #F2F2F2; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5b8f22"><B>Principal
    Amount:</B></FONT></TD>
    <TD STYLE="font-size: 8pt; padding-bottom: 4pt; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">$10.00
    per unit</FONT></TD>
    <TD ROWSPAN="14" STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><P STYLE="font: 7pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></P>
    <IMG SRC="tm2522250d59_fwpimg02.jpg" ALT=""><P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: Red">&nbsp;</P>
                                                <P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: Red">&nbsp;</P>
                                                <P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: Red">&nbsp;</P>
                                                <P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: Red">&nbsp;</P>
    <P STYLE="font: 12pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5b862b"><B>Redemption Amount Determination:</B></P>
    <P STYLE="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-size: 9pt">If the notes are not called, you will
    receive the Redemption Amount per unit on the maturity date, determined as follows:</FONT></P>
    <P STYLE="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>
    <P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: Red"><IMG SRC="tm2522250d59_fwpimg03.jpg" ALT=""></P>
    <P STYLE="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>
    <P STYLE="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B><I>Because the Threshold Value for the notes is equal to the Starting
    Value, you will lose all or a portion of your investment if the Ending Value is less than the Starting Value.</I></B></P></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="font-size: 8pt; background-color: #F2F2F2; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5b8f22"><B>Term:</B></FONT></TD>
    <TD STYLE="font-size: 8pt; padding-bottom: 4pt; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Approximately
    three years, if not called on the first two Observation Dates</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="font-size: 8pt; background-color: #F2F2F2; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5b8f22"><B>Market
    Measure:</B></FONT></TD>
    <TD STYLE="font-size: 8pt; padding-bottom: 4pt; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">The
    Russell 2000<SUP>&reg;</SUP> Index (Bloomberg symbol: &ldquo;RTY&rdquo;), a price return index</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="font-size: 8pt; background-color: #F2F2F2; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5b8f22"><B>Starting
    Value:</B></FONT></TD>
    <TD STYLE="font-size: 8pt; padding-bottom: 4pt; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">The
    closing level of the Index on the pricing date</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="font-size: 8pt; background-color: #F2F2F2; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5b8f22"><B>Ending
    Value:</B></FONT></TD>
    <TD STYLE="font-size: 8pt; padding-bottom: 4pt; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">The
    Observation Level of the Index on the final Observation Date</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="font-size: 8pt; background-color: #F2F2F2; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5b8f22"><B>Observation
    Level:</B></FONT></TD>
    <TD STYLE="font-size: 8pt; padding-bottom: 4pt; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">The
    closing level of the Index on any Observation Date</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="font-size: 8pt; background-color: #F2F2F2; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5b8f22"><B>Observation
    Dates:</B></FONT></TD>
    <TD STYLE="padding-bottom: 4pt; padding-right: 5.4pt; padding-left: 5.4pt"><P STYLE="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-size: 8pt">On or about September&nbsp;, 2026,
    September&nbsp;, 2027 and September&nbsp;, 2028 (the final Observation Date), approximately one, two and three years after the pricing
    date.</FONT></P>
    <P STYLE="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-size: 8pt">The scheduled Observation Dates are
    subject to postponement in the event of Market Disruption Events, as described on page&nbsp;PS-22 of product supplement EQUITY STR-1.</FONT></P></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="font-size: 8pt; background-color: #F2F2F2; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5b8f22"><B>Call
    Level:</B></FONT></TD>
    <TD STYLE="font-size: 8pt; padding-bottom: 4pt; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">100%
    of the Starting Value</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="font-size: 8pt; background-color: #F2F2F2; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5b8f22"><B>Call
    Amounts (per Unit) and Call Premiums:</B></FONT></TD>
    <TD STYLE="font-size: 8pt; padding-bottom: 4pt; padding-right: 5.4pt; padding-left: 5.4pt"><P STYLE="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-size: 8pt">[$10.95
                                            to $11.05], representing a Call Premium of [9.50% to 10.50%] of the principal amount, if
                                            called on the first Observation Date; [$11.90 to $12.10], representing a Call Premium of
                                            [19.00% to 21.00%] of the principal amount, if called on the second Observation Date; and
                                            [$12.85 to $13.15], representing a Call Premium of [28.50% to 31.50%] of the principal amount,
                                            if called on the final Observation Date.</FONT></P>

<P STYLE="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-size: 8pt">The actual Call Amounts and Call Premiums
will be determined on the pricing date.</FONT></P>

</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="font-size: 8pt; background-color: #F2F2F2; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5b8f22"><B>Call
    Settlement Dates:</B></FONT></TD>
    <TD STYLE="font-size: 8pt; padding-bottom: 4pt; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Approximately
    the fifth business day following the applicable Observation Date, subject to postponement as described on page&nbsp;PS-22 of product
    supplement EQUITY STR-1; provided however, that the Call Settlement Date related to the final Observation Date will be the maturity
    date.</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="font-size: 8pt; background-color: #F2F2F2; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5b8f22"><B>Threshold
    Value:</B></FONT></TD>
    <TD STYLE="font-size: 8pt; padding-bottom: 4pt; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">100.00%
    of the Starting Value</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="font-size: 8pt; background-color: #F2F2F2; padding-right: 5.4pt; padding-left: 5.4pt"></TD>
    <TD STYLE="font-size: 8pt; padding-bottom: 4pt; padding-right: 5.4pt; padding-left: 5.4pt"></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="font-size: 8pt; background-color: #F2F2F2; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5b8f22"><B>Fees
    and Charges:</B></FONT></TD>
    <TD STYLE="font-size: 8pt; padding-bottom: 4pt; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">The
    underwriting discount of $0.20 per unit listed on the cover page&nbsp;and the hedging-related charge of $0.05 per unit described
    in &ldquo;Structuring the Notes&rdquo; on page&nbsp;TS-12.</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="font-size: 8pt; background-color: #F2F2F2; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5b8f22"><B>Calculation
    Agent:</B></FONT></TD>
    <TD STYLE="font-size: 8pt; padding-bottom: 4pt; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">BofA
    Securities,&nbsp;Inc. (&ldquo;BofAS&rdquo;)</FONT></TD></TR>
  <TR STYLE="font-size: 1pt">
    <TD STYLE="font-size: 8pt; width: 20%"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 8pt; padding-bottom: 4pt; width: 40%"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-left: 5.4pt; font-size: 1pt; width: 40%">&nbsp;</TD></TR>
  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></P>

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"></FONT></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: 12pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 16pt; color: #5b862b">Autocallable
    Strategic Accelerated Redemption Securities<SUP>&reg;</SUP> <BR>
    </FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt; color: #5b862b">Linked to the Russell 2000<SUP>&reg;</SUP>
    Index, due September&nbsp; , 2028</FONT></TD>
    <TD STYLE="width: 19%; border-bottom: #5B862B 4.5pt solid; padding-right: 5.4pt; padding-left: 5.4pt; font-size: 12pt; text-align: right">&nbsp;</TD></TR>
  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></P>

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



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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 9pt Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif; vertical-align: top">
<TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; width: 0"></TD><TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; width: 0.25in"><FONT STYLE="font-family: Wingdings; font-size: 9pt; color: rgb(91,134,43)">&sect;</FONT></TD><TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Product
                                            supplement EQUITY STR-1 dated September&nbsp;5, 2023: </FONT></TD></TR><TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif; vertical-align: top">
<TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD><TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD><TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif"><A HREF="https://www.sec.gov/Archives/edgar/data/1045520/000110465923098260/tm2325339d4_424b5.htm" STYLE="-sec-extract: exhibit"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">https://www.sec.gov/Archives/edgar/data/1045520/000110465923098260/tm2325339d4_424b5.htm</FONT></A></TD></TR>
                                                                                                                   </TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 9pt Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif; vertical-align: top">
<TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; width: 0"></TD><TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; width: 0.25in"><FONT STYLE="font-family: Wingdings; font-size: 9pt; color: rgb(91,134,43)">&sect;</FONT></TD><TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Prospectus
                                            supplement dated September&nbsp;5, 2023: </FONT></TD></TR><TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif; vertical-align: top">
<TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD><TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD><TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif"><A HREF="https://www.sec.gov/Archives/edgar/data/1045520/000110465923098166/tm2322483d94_424b5.htm" STYLE="-sec-extract: exhibit"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">https://www.sec.gov/Archives/edgar/data/1045520/000110465923098166/tm2322483d94_424b5.htm</FONT></A></TD></TR>
                                                                                                      </TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 9pt Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif; vertical-align: top">
<TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; width: 0"></TD><TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; width: 0.25in"><FONT STYLE="font-family: Wingdings; font-size: 9pt; color: rgb(91,134,43)">&sect;</FONT></TD><TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Prospectus
                                            dated September&nbsp;5, 2023:</FONT></TD></TR><TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif; vertical-align: top">
<TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD><TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD><TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif"><A HREF="https://www.sec.gov/Archives/edgar/data/1045520/000110465923098163/tm2325339d10_424b3.htm"><FONT STYLE="font-size: 9pt">https://www.sec.gov/Archives/edgar/data/1045520/000110465923098163/tm2325339d10_424b3.htm</FONT></A></TD></TR>
                                                                                                                                                                        </TABLE>

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

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

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

<P STYLE="font: 18pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5b862b"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Investor
Considerations</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 4pt">&nbsp;</FONT></P>



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

<P STYLE="font: 1pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

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

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 9pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="padding-bottom: 10pt; width: 0.25in"><FONT STYLE="font-family: Wingdings; font-size: 9pt; color: #5b8f22">&sect;</FONT></TD><TD STYLE="padding-bottom: 10pt">You anticipate that the closing level of the Index on any of the Observation Dates will be equal to or greater than the Starting Value and, in that case, you
accept an early exit from your investment.</TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="padding-bottom: 10pt"><FONT STYLE="font-family: Wingdings; font-size: 9pt; color: #5b8f22">&sect;</FONT></TD><TD STYLE="padding-bottom: 10pt">You accept that the return on the notes will be limited to the return represented by the applicable Call Premium even if the percentage change in
the level of the Index is significantly greater than the applicable Call Premium.</TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="padding-bottom: 10pt"><FONT STYLE="font-family: Wingdings; font-size: 9pt; color: #5b8f22">&sect;</FONT></TD><TD STYLE="padding-bottom: 10pt">You are willing to risk a loss of principal if the notes are not automatically called.</TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="padding-bottom: 10pt"><FONT STYLE="font-family: Wingdings; font-size: 9pt; color: #5b8f22">&sect;</FONT></TD><TD STYLE="padding-bottom: 10pt">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-bottom: 10pt"><FONT STYLE="font-family: Wingdings; font-size: 9pt; color: #5b8f22">&sect;</FONT></TD><TD STYLE="padding-bottom: 10pt">You are willing to forgo dividends or other benefits of owning the stocks included
in the Index.</TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="padding-bottom: 10pt"><FONT STYLE="font-family: Wingdings; font-size: 9pt; color: #5b8f22">&sect;</FONT></TD><TD STYLE="padding-bottom: 10pt">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><FONT STYLE="font-family: Wingdings; font-size: 9pt; color: #5b8f22">&sect;</font></TD><TD>You are willing to assume our credit risk, as issuer of the notes, for
all payments under the notes, including the Call Amount or the Redemption Amount.</TD></TR>
                               </TABLE>

<P STYLE="font: 1pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

</DIV>

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

<DIV STYLE="font: 1pt Arial, Helvetica, Sans-Serif; float: right; width: 48%">

<P STYLE="font: 1pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

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

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 9pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="padding-bottom: 10pt; width: 0.25in"><FONT STYLE="font-family: Wingdings; font-size: 9pt; color: #5b8f22">&sect;</FONT></TD><TD STYLE="padding-bottom: 10pt">You wish to make an investment that cannot be automatically called prior to maturity.</TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="padding-bottom: 10pt"><FONT STYLE="font-family: Wingdings; font-size: 9pt; color: #5b8f22">&sect;</FONT></TD><TD STYLE="padding-bottom: 10pt">You anticipate that the Observation Level will be less than the Call Level on each Observation Date.</TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="padding-bottom: 10pt"><FONT STYLE="font-family: Wingdings; font-size: 9pt; color: #5b8f22">&sect;</FONT></TD><TD STYLE="padding-bottom: 10pt">You seek an uncapped return on your investment.</TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="padding-bottom: 10pt"><FONT STYLE="font-family: Wingdings; font-size: 9pt; color: #5b8f22">&sect;</FONT></TD><TD STYLE="padding-bottom: 10pt">You seek principal repayment or preservation of capital.</TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="padding-bottom: 10pt"><FONT STYLE="font-family: Wingdings; font-size: 9pt; color: #5b8f22">&sect;</FONT></TD><TD STYLE="padding-bottom: 10pt">You seek interest payments or other current income on your investment.</TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="padding-bottom: 10pt"><FONT STYLE="font-family: Wingdings; font-size: 9pt; color: #5b8f22">&sect;</FONT></TD><TD STYLE="padding-bottom: 10pt">You want to receive dividends or other distributions paid on the stocks included in the Index.</TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="padding-bottom: 10pt"><FONT STYLE="font-family: Wingdings; font-size: 9pt; color: #5b8f22">&sect;</FONT></TD><TD STYLE="padding-bottom: 10pt">You seek an investment for which there will be a liquid secondary market.</TD></TR><TR STYLE="vertical-align: top">
<TD><FONT STYLE="font-family: Wingdings; font-size: 9pt; color: #5b8f22">&sect;</font></TD><TD>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: 1pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

</DIV>

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

<P STYLE="font: 1pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

</DIV>

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">We urge you
to consult your investment, legal, tax, accounting, and other advisors before you invest in the notes.</FONT></P>

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

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

<!-- Field: Page; Sequence: 3; Value: 2 -->
    <DIV STYLE="margin-top: 12pt; margin-bottom: 6pt"><P STYLE="margin: 0pt"></P><TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 9pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse"><TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif; vertical-align: top"><TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; 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">Autocallable Strategic Accelerated Redemption Securities<SUP>&reg;</SUP></FONT></TD><TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; width: 8%; border-top: green 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt; color: #5b862b">TS-<!-- Field: Sequence; Type: Arabic; Name: PageNo -->3<!-- Field: /Sequence --></FONT></TD></TR></TABLE><P STYLE="margin: 0pt">&nbsp;</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"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"></FONT></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: 12pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 16pt; color: #5b862b">Autocallable
    Strategic Accelerated Redemption Securities<SUP>&reg;</SUP> <BR>
    </FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt; color: #5b862b">Linked to the Russell 2000<SUP>&reg;</SUP>
    Index, due September&nbsp; , 2028</FONT></TD>
    <TD STYLE="width: 19%; border-bottom: #5B862B 4.5pt solid; padding-right: 5.4pt; padding-left: 5.4pt; font-size: 12pt; text-align: right">&nbsp;</TD></TR>
  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></P>

<P STYLE="font: 18pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5b862b"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Examples
of Hypothetical Payments</FONT></P>

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

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">The
following examples are for purposes of illustration only. They are based on <B>hypothetical</B> values and show <B>hypothetical</B> returns
on the notes. They illustrate the calculation of the Call Amount or Redemption Amount, as applicable, based on the hypothetical terms
set forth below. <B>The actual amount you receive and the resulting return will depend on the actual Starting Value, Threshold Value,
Call Level, Observation Levels, Call Premiums, and term of your investment.</B></FONT></P>

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

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">The
following examples do not take into account any tax consequences from investing in the notes. These examples are based on:</FONT></P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="font-family: Arial, Helvetica, Sans-Serif; vertical-align: top">
<TD STYLE="font-family: Arial, Helvetica, Sans-Serif; width: 0"></TD><TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; width: 0.5in"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1)</FONT></TD><TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">a
                                            Starting Value of 100.00;</FONT></TD></TR>
<TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif; vertical-align: top">
<TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; width: 0"></TD><TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; width: 0.5in"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">2)</FONT></TD><TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">a
                                            Threshold Value of 100.00;</FONT></TD></TR>
<TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif; vertical-align: top">
<TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; width: 0"></TD><TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; width: 0.5in"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">3)</FONT></TD><TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">a
                                            Call Level of 100.00;</FONT></TD></TR>
<TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif; vertical-align: top">
<TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; width: 0"></TD><TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; width: 0.5in"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">4)</FONT></TD><TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">an
                                            expected term of the notes of approximately three years, if the notes are not called on the
                                            first two Observation Dates;</FONT></TD></TR>
<TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif; vertical-align: top">
<TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; width: 0"></TD><TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; width: 0.5in"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">5)</FONT></TD><TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">a
                                            Call Premium of 10.00% of the principal amount if the notes are called on the first Observation
                                            Date; 20.00% if called on the second Observation Date; and 30.00% if called on the final
                                            Observation Date (the midpoint of the applicable Call Premium ranges); and</FONT></TD></TR>
<TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif; vertical-align: top">
<TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; width: 0"></TD><TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; width: 0.5in"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">6)</FONT></TD><TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Observation
                                            Dates occurring approximately one, two and three years after the pricing date.</FONT></TD></TR></TABLE>

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

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

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

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">For
recent actual levels of the Index, see &ldquo;The Index&rdquo; section below. The Index is a price return index and as such the level
of the Index will not include any income generated by dividends paid on the stocks included in the Index, which you would otherwise be
entitled to receive if you invested in those stocks directly. In addition, all payments on the notes are subject to issuer credit risk.</FONT></P>

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

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

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

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

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

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B>Example
1</B> - The Observation Level on the first Observation Date is 110.00. Therefore, the notes will be called at $10.00 plus the Call Premium
of $1.00 = $11.00 per unit.</FONT></P>

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

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B>Example
2</B> - The Observation Level on the first Observation Date is below the Call Level, but the Observation Level on the second Observation
Date is 150.00. Therefore, the notes will be called at $10.00 plus the Call Premium of $2.00 = $12.00 per unit.</FONT></P>

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

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B>Example
3 </B>- The Observation Levels on the first two Observation Dates are below the Call Level, but the Observation Level on the third and
final Observation Date is 105.00. Therefore, the notes will be called at $10.00 plus the Call Premium of $3.00 = $13.00 per unit.</FONT></P>

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

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

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

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

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

<P STYLE="text-align: center; font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><IMG SRC="tm2522250d59_fwpimg04.jpg" ALT="">&nbsp;</P>

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

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"></FONT></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="font: 9pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse"><TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif; vertical-align: top"><TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; 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">Autocallable Strategic Accelerated Redemption Securities<SUP>&reg;</SUP></FONT></TD><TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; width: 8%; border-top: green 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt; color: #5b862b">TS-<!-- Field: Sequence; Type: Arabic; Name: PageNo -->4<!-- Field: /Sequence --></FONT></TD></TR></TABLE><P STYLE="margin: 0pt">&nbsp;</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"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"></FONT></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: 12pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 16pt; color: #5b862b">Autocallable
    Strategic Accelerated Redemption Securities<SUP>&reg;</SUP> <BR>
    </FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt; color: #5b862b">Linked to the Russell 2000<SUP>&reg;</SUP>
    Index, due September&nbsp; , 2028</FONT></TD>
    <TD STYLE="width: 19%; border-bottom: #5B862B 4.5pt solid; padding-right: 5.4pt; padding-left: 5.4pt; font-size: 12pt; text-align: right">&nbsp;</TD></TR>
  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></P>

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 12pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
  <TR>
    <TD>&nbsp;</TD>
    <TD COLSPAN="6" STYLE="padding-bottom: 10pt; white-space: nowrap; vertical-align: top"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>Summary of the Hypothetical Examples</B></FONT></TD></TR>
  <TR>
    <TD>&nbsp;</TD>
    <TD STYLE="padding-bottom: 2.5pt; vertical-align: top; text-align: center">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="padding-bottom: 2.5pt; vertical-align: top; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><B>Notes Are Called on an Observation Date</B></FONT></TD>
    <TD STYLE="padding-bottom: 2.5pt; vertical-align: top; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><B>Notes
    Are Not Called on Any <BR>
Observation Date</B></FONT></TD>
    <TD STYLE="padding-bottom: 2.5pt">&nbsp;</TD></TR>
  <TR>
    <TD STYLE="width: 4%">&nbsp;</TD>
    <TD STYLE="padding-bottom: 4pt; vertical-align: top; text-align: center; width: 20%">&nbsp;</TD>
    <TD STYLE="padding-bottom: 4pt; vertical-align: top; text-align: center; width: 18%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><B>Example 1</B></FONT></TD>
    <TD STYLE="padding-bottom: 4pt; vertical-align: top; text-align: center; width: 18%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><B>Example 2</B></FONT></TD>
    <TD STYLE="padding-bottom: 4pt; vertical-align: top; text-align: center; width: 18%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><B>Example 3</B></FONT></TD>
    <TD STYLE="padding-bottom: 4pt; vertical-align: top; text-align: center; width: 18%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><B>Example 4</B></FONT></TD>
    <TD STYLE="padding-bottom: 4pt; width: 4%">&nbsp;</TD></TR>
  <TR>
    <TD>&nbsp;</TD>
    <TD STYLE="padding-bottom: 4pt; vertical-align: top"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Starting Value</FONT></TD>
    <TD STYLE="padding-bottom: 4pt; vertical-align: top; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">100.00</FONT></TD>
    <TD STYLE="padding-bottom: 4pt; vertical-align: top; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">100.00</FONT></TD>
    <TD STYLE="padding-bottom: 4pt; vertical-align: top; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">100.00</FONT></TD>
    <TD STYLE="padding-bottom: 4pt; vertical-align: top; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">100.00</FONT></TD>
    <TD STYLE="padding-bottom: 4pt">&nbsp;</TD></TR>
  <TR>
    <TD>&nbsp;</TD>
    <TD STYLE="padding-bottom: 4pt; vertical-align: top"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Call Level</FONT></TD>
    <TD STYLE="padding-bottom: 4pt; vertical-align: top; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">100.00</FONT></TD>
    <TD STYLE="padding-bottom: 4pt; vertical-align: top; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">100.00</FONT></TD>
    <TD STYLE="padding-bottom: 4pt; vertical-align: top; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">100.00</FONT></TD>
    <TD STYLE="padding-bottom: 4pt; vertical-align: top; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">100.00</FONT></TD>
    <TD STYLE="padding-bottom: 4pt">&nbsp;</TD></TR>
  <TR>
    <TD>&nbsp;</TD>
    <TD STYLE="padding-bottom: 4pt; vertical-align: top"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Threshold Value</FONT></TD>
    <TD STYLE="padding-bottom: 4pt; vertical-align: top; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">100.00</FONT></TD>
    <TD STYLE="padding-bottom: 4pt; vertical-align: top; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">100.00</FONT></TD>
    <TD STYLE="padding-bottom: 4pt; vertical-align: top; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">100.00</FONT></TD>
    <TD STYLE="padding-bottom: 4pt; vertical-align: top; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">100.00</FONT></TD>
    <TD STYLE="padding-bottom: 4pt">&nbsp;</TD></TR>
  <TR>
    <TD>&nbsp;</TD>
    <TD STYLE="padding-bottom: 4pt; vertical-align: top"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Observation Level on the First Observation Date</FONT></TD>
    <TD STYLE="padding-bottom: 4pt; vertical-align: top; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">110.00</FONT></TD>
    <TD STYLE="padding-bottom: 4pt; vertical-align: top; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">90.00</FONT></TD>
    <TD STYLE="padding-bottom: 4pt; vertical-align: top; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">90.00</FONT></TD>
    <TD STYLE="padding-bottom: 4pt; vertical-align: top; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">88.00</FONT></TD>
    <TD STYLE="padding-bottom: 4pt">&nbsp;</TD></TR>
  <TR>
    <TD>&nbsp;</TD>
    <TD STYLE="padding-bottom: 4pt; vertical-align: top"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Observation Level on the Second Observation Date</FONT></TD>
    <TD STYLE="padding-bottom: 4pt; vertical-align: top; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">N/A</FONT></TD>
    <TD STYLE="padding-bottom: 4pt; vertical-align: top; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">150.00</FONT></TD>
    <TD STYLE="padding-bottom: 4pt; vertical-align: top; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">80.00</FONT></TD>
    <TD STYLE="padding-bottom: 4pt; vertical-align: top; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">78.00</FONT></TD>
    <TD STYLE="padding-bottom: 4pt">&nbsp;</TD></TR>
  <TR>
    <TD>&nbsp;</TD>
    <TD STYLE="padding-bottom: 4pt; vertical-align: top"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Observation Level on the Final Observation Date</FONT></TD>
    <TD STYLE="padding-bottom: 4pt; vertical-align: top; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">N/A</FONT></TD>
    <TD STYLE="padding-bottom: 4pt; vertical-align: top; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">N/A</FONT></TD>
    <TD STYLE="padding-bottom: 4pt; vertical-align: top; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">105.00</FONT></TD>
    <TD STYLE="padding-bottom: 4pt; vertical-align: top; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">50.00</FONT></TD>
    <TD STYLE="padding-bottom: 4pt">&nbsp;</TD></TR>
  <TR>
    <TD>&nbsp;</TD>
    <TD STYLE="padding-bottom: 4pt; vertical-align: top"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Return on the Index</FONT></TD>
    <TD STYLE="padding-bottom: 4pt; vertical-align: top; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">10.00%</FONT></TD>
    <TD STYLE="padding-bottom: 4pt; vertical-align: top; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">50.00%</FONT></TD>
    <TD STYLE="padding-bottom: 4pt; vertical-align: top; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">5.00%</FONT></TD>
    <TD STYLE="padding-bottom: 4pt; vertical-align: top; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">-50.00%</FONT></TD>
    <TD STYLE="padding-bottom: 4pt">&nbsp;</TD></TR>
  <TR>
    <TD>&nbsp;</TD>
    <TD STYLE="padding-bottom: 4pt; vertical-align: top"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Return on the Notes</FONT></TD>
    <TD STYLE="padding-bottom: 4pt; vertical-align: top; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">10.00%</FONT></TD>
    <TD STYLE="padding-bottom: 4pt; vertical-align: top; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">20.00%</FONT></TD>
    <TD STYLE="padding-bottom: 4pt; vertical-align: top; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">30.00%</FONT></TD>
    <TD STYLE="padding-bottom: 4pt; vertical-align: top; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">-50.00%</FONT></TD>
    <TD STYLE="padding-bottom: 4pt">&nbsp;</TD></TR>
  <TR>
    <TD>&nbsp;</TD>
    <TD STYLE="vertical-align: top"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Call Amount / Redemption <BR>
Amount per Unit</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$11.00</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$12.00</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$13.00</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$5.00</FONT></TD>
    <TD>&nbsp;</TD></TR>
  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"></FONT></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="font: 9pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse"><TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif; vertical-align: top"><TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; 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">Autocallable Strategic Accelerated Redemption Securities<SUP>&reg;</SUP></FONT></TD><TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; width: 8%; border-top: green 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt; color: #5b862b">TS-<!-- Field: Sequence; Type: Arabic; Name: PageNo -->5<!-- Field: /Sequence --></FONT></TD></TR></TABLE><P STYLE="margin: 0pt">&nbsp;</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"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"></FONT></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: 12pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 16pt; color: #5b862b">Autocallable
    Strategic Accelerated Redemption Securities<SUP>&reg;</SUP> <BR>
    </FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt; color: #5b862b">Linked to the Russell 2000<SUP>&reg;</SUP>
    Index, due September&nbsp; , 2028</FONT></TD>
    <TD STYLE="width: 19%; border-bottom: #5B862B 4.5pt solid; padding-right: 5.4pt; padding-left: 5.4pt; font-size: 12pt; text-align: right">&nbsp;</TD></TR>
  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></P>

<P STYLE="font: 18pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5b862b"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Risk
Factors</FONT></P>

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

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><I>There
are important differences between the notes and a conventional debt security. An investment in the notes involves significant risks,
including those listed below. You should carefully review the more detailed explanation of risks relating to the notes in the &ldquo;Risk
Factors&rdquo; sections beginning on page&nbsp;PS-7 of product supplement EQUITY STR-1, page&nbsp;S-1 of the prospectus supplement, and
page&nbsp;1 of the prospectus identified above. We also urge you to consult your investment, legal, tax, accounting, and other advisors
before you invest in the notes.</I></FONT></P>

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B><U>Structure-related
Risks</U></B></FONT></P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="font-family: Arial, Helvetica, Sans-Serif; vertical-align: top">
<TD STYLE="font-family: Arial, Helvetica, Sans-Serif; width: 0.25in"></TD><TD STYLE="font-family: Arial, Helvetica, Sans-Serif; width: 0.25in"><FONT STYLE="font-family: Wingdings; color: rgb(91,134,43)">&sect;</FONT></TD><TD STYLE="font-family: Arial, Helvetica, Sans-Serif"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">If
                                            the notes are not automatically called, you will lose up to 100% of the principal amount.</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="font-family: Arial, Helvetica, Sans-Serif; vertical-align: top">
<TD STYLE="font-family: Arial, Helvetica, Sans-Serif; width: 0.25in"></TD><TD STYLE="font-family: Arial, Helvetica, Sans-Serif; width: 0.25in"><FONT STYLE="font-family: Wingdings; color: rgb(91,134,43)">&sect;</FONT></TD><TD STYLE="font-family: Arial, Helvetica, Sans-Serif"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Your
                                            investment return is limited to the return represented by the applicable Call Premium and
                                            may be less than a comparable investment directly in the stocks included in the Index.</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="font-family: Arial, Helvetica, Sans-Serif; vertical-align: top">
<TD STYLE="font-family: Arial, Helvetica, Sans-Serif; width: 0.25in"></TD><TD STYLE="font-family: Arial, Helvetica, Sans-Serif; width: 0.25in"><FONT STYLE="font-family: Wingdings; color: rgb(91,134,43)">&sect;</FONT></TD><TD STYLE="font-family: Arial, Helvetica, Sans-Serif"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">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"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="font-family: Arial, Helvetica, Sans-Serif; vertical-align: top">
<TD STYLE="font-family: Arial, Helvetica, Sans-Serif; width: 0.25in"></TD><TD STYLE="font-family: Arial, Helvetica, Sans-Serif; width: 0.25in"><FONT STYLE="font-family: Wingdings; color: rgb(91,134,43)">&sect;</FONT></TD><TD STYLE="font-family: Arial, Helvetica, Sans-Serif"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">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"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B><U>Valuation-
and Market-related Risks </U></B></FONT></P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="font-family: Arial, Helvetica, Sans-Serif; vertical-align: top">
<TD STYLE="font-family: Arial, Helvetica, Sans-Serif; width: 0.25in"></TD><TD STYLE="font-family: Arial, Helvetica, Sans-Serif; width: 0.25in"><FONT STYLE="font-family: Wingdings; color: rgb(91,134,43)">&sect;</FONT></TD><TD STYLE="font-family: Arial, Helvetica, Sans-Serif"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">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"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="font-family: Arial, Helvetica, Sans-Serif; vertical-align: top">
<TD STYLE="font-family: Arial, Helvetica, Sans-Serif; width: 0.25in"></TD><TD STYLE="font-family: Arial, Helvetica, Sans-Serif; width: 0.25in"><FONT STYLE="font-family: Wingdings; color: rgb(91,134,43)">&sect;</FONT></TD><TD STYLE="font-family: Arial, Helvetica, Sans-Serif"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">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 level of the Index, 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"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="font-family: Arial, Helvetica, Sans-Serif; vertical-align: top">
<TD STYLE="font-family: Arial, Helvetica, Sans-Serif; width: 0.25in"></TD><TD STYLE="font-family: Arial, Helvetica, Sans-Serif; width: 0.25in"><FONT STYLE="font-family: Wingdings; color: rgb(91,134,43)">&sect;</FONT></TD><TD STYLE="font-family: Arial, Helvetica, Sans-Serif"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">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"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="font-family: Arial, Helvetica, Sans-Serif; vertical-align: top">
<TD STYLE="font-family: Arial, Helvetica, Sans-Serif; width: 0.25in"></TD><TD STYLE="font-family: Arial, Helvetica, Sans-Serif; width: 0.25in"><FONT STYLE="font-family: Wingdings; color: rgb(91,134,43)">&sect;</FONT></TD><TD STYLE="font-family: Arial, Helvetica, Sans-Serif"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">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"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B><U>Conflict-related
Risks</U></B></FONT></P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="font-family: Arial, Helvetica, Sans-Serif; vertical-align: top">
<TD STYLE="font-family: Arial, Helvetica, Sans-Serif; width: 0.25in"></TD><TD STYLE="font-family: Arial, Helvetica, Sans-Serif; width: 0.25in"><FONT STYLE="font-family: Wingdings; color: rgb(91,134,43)">&sect;</FONT></TD><TD STYLE="font-family: Arial, Helvetica, Sans-Serif"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Our
                                            business, hedging and trading activities, and those of MLPF&amp;S, BofAS and our respective
                                            affiliates (including trades in shares of companies included in the Index), 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"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="font-family: Arial, Helvetica, Sans-Serif; vertical-align: top">
<TD STYLE="font-family: Arial, Helvetica, Sans-Serif; width: 0.25in"></TD><TD STYLE="font-family: Arial, Helvetica, Sans-Serif; width: 0.25in"><FONT STYLE="font-family: Wingdings; color: rgb(91,134,43)">&sect;</FONT></TD><TD STYLE="font-family: Arial, Helvetica, Sans-Serif"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">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"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B><U>Market
Measure-related Risks</U></B></FONT></P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="font-family: Arial, Helvetica, Sans-Serif; vertical-align: top">
<TD STYLE="font-family: Arial, Helvetica, Sans-Serif; width: 0.25in"></TD><TD STYLE="font-family: Arial, Helvetica, Sans-Serif; width: 0.25in"><FONT STYLE="font-family: Wingdings; color: rgb(91,134,43)">&sect;</FONT></TD><TD STYLE="font-family: Arial, Helvetica, Sans-Serif"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">The
                                            Index sponsor may adjust the Index in a way that affects its level, and has no obligation
                                            to consider your interests.</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="font-family: Arial, Helvetica, Sans-Serif; vertical-align: top">
<TD STYLE="font-family: Arial, Helvetica, Sans-Serif; width: 0.25in"></TD><TD STYLE="font-family: Arial, Helvetica, Sans-Serif; width: 0.25in"><FONT STYLE="font-family: Wingdings; color: rgb(91,134,43)">&sect;</FONT></TD><TD STYLE="font-family: Arial, Helvetica, Sans-Serif"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">As
                                            a noteholder, you will have no rights of a holder of any securities represented by the Index,
                                            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"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"></FONT></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="font: 9pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse"><TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif; vertical-align: top"><TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; 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">Autocallable Strategic Accelerated Redemption Securities<SUP>&reg;</SUP></FONT></TD><TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; width: 8%; border-top: green 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt; color: #5b862b">TS-<!-- Field: Sequence; Type: Arabic; Name: PageNo -->6<!-- Field: /Sequence --></FONT></TD></TR></TABLE><P STYLE="margin: 0pt">&nbsp;</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"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"></FONT></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: 12pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 16pt; color: #5b862b">Autocallable
    Strategic Accelerated Redemption Securities<SUP>&reg;</SUP> <BR>
    </FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt; color: #5b862b">Linked to the Russell 2000<SUP>&reg;</SUP>
    Index, due September&nbsp; , 2028</FONT></TD>
    <TD STYLE="width: 19%; border-bottom: #5B862B 4.5pt solid; padding-right: 5.4pt; padding-left: 5.4pt; font-size: 12pt; text-align: right">&nbsp;</TD></TR>
  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="font-family: Arial, Helvetica, Sans-Serif; vertical-align: top">
<TD STYLE="font-family: Arial, Helvetica, Sans-Serif; width: 0.25in"></TD><TD STYLE="font-family: Arial, Helvetica, Sans-Serif; width: 0.25in"><FONT STYLE="font-family: Wingdings; color: rgb(91,134,43)">&sect;</FONT></TD><TD STYLE="font-family: Arial, Helvetica, Sans-Serif"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">While
                                            we, MLPF&amp;S, BofAS or our respective affiliates may from time to time own securities of
                                            the companies included in the Index, we, MLPF&amp;S, BofAS and our respective affiliates
                                            do not control any company included in the Index, 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"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B><U>Tax-related
Risks</U></B></FONT></P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="font-family: Arial, Helvetica, Sans-Serif; vertical-align: top">
<TD STYLE="font-family: Arial, Helvetica, Sans-Serif; width: 0.25in"></TD><TD STYLE="font-family: Arial, Helvetica, Sans-Serif; width: 0.25in"><FONT STYLE="font-family: Wingdings; color: rgb(91,134,43)">&sect;</FONT></TD><TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">The
                                            U.S. federal income tax consequences of the notes are uncertain, and may be adverse to a
                                            holder of the notes. See &ldquo;Summary of U.S. Federal Income Tax Consequences&rdquo; below
                                            and &ldquo;U.S. Federal Income Tax Summary&rdquo; beginning on page&nbsp;PS-40 of product
                                            supplement EQUITY STR-1. For a discussion of the Canadian federal income tax consequences
                                            of investing in the notes, see &ldquo;Material Income Tax Consequences&mdash;Canadian Taxation&rdquo;
                                            in the prospectus, as supplemented by the discussion under &ldquo;Summary of Canadian Federal
                                            Income Tax Considerations&rdquo; herein.</FONT></TD></TR></TABLE>

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

<P STYLE="font: 18pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5b862b"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Additional
Risk Factors</FONT></P>

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

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B>The notes
are subject to risks associated with small-size capitalization companies. </B></FONT></P>

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

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">The stocks
composing the Index are issued by companies with small-sized market capitalization. The stock prices of small-size companies may be more
volatile than stock prices of large capitalization companies. Small-size capitalization companies may be less able to withstand adverse
economic, market, trade and competitive conditions relative to larger companies. Small-size capitalization companies may also be more
susceptible to adverse developments related to their products or services.</FONT></P>

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

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

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"></FONT></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: 12pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 16pt; color: #5b862b">Autocallable
    Strategic Accelerated Redemption Securities<SUP>&reg;</SUP> <BR>
    </FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt; color: #5b862b">Linked to the Russell 2000<SUP>&reg;</SUP>
    Index, due September&nbsp; , 2028</FONT></TD>
    <TD STYLE="width: 19%; border-bottom: #5B862B 4.5pt solid; padding-right: 5.4pt; padding-left: 5.4pt; font-size: 12pt; text-align: right">&nbsp;</TD></TR>
  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></P>

<P STYLE="font: 18pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5b862b"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">The
Index</FONT></P>

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

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">All disclosures
contained in this term sheet regarding the Index, including, without limitation, its make-up, method of calculation and changes in its
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, FTSE Russell (the &ldquo;Index sponsor&rdquo;). The Index sponsor, which licenses the copyright
and all other rights to the Index, has no obligation to continue to publish, and may discontinue publication of, the Index. The consequences
of the Index sponsor discontinuing publication of the Index are discussed in the section entitled &ldquo;Description of the Notes&mdash;Discontinuance
of an Index&rdquo; on page&nbsp;PS-27 of product supplement EQUITY STR-1. None of us, the calculation agent, MLPF&amp;S or BofAS accepts
any responsibility for the calculation, maintenance or publication of the Index or any successor index.</FONT></P>

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

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">The Index
is designed to measure the performance of the small-capitalization segment of the U.S. equity market. It is a subset of the Russell 3000<SUP>&reg;</SUP>
Index and represents approximately 10% of the total market capitalization of that index. The Russell 3000<SUP>&reg;</SUP> Index is designed
to measure the performance of the largest 3,000 U.S. companies, which represent approximately 97% of the investable U.S. equity market.
The Index is reported by Bloomberg L.P. under the ticker symbol &ldquo;RTY.&rdquo;</FONT></P>

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

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B>Defining
Eligible Securities</B></FONT></P>

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

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">All
companies that are determined to be part of the U.S. equity market under FTSE Russell&rsquo;s country-assignment methodology are included
in the Russell U.S. indices. If a company is incorporated in, has a stated headquarters location in, and also trades in the same country
(American Depositary Receipts and American Depositary Shares are not eligible), the company is assigned to the equity market of its country
of incorporation. If any of the three do not match, FTSE Russell then defines three Home Country Indicators (&ldquo;HCI&rdquo;): country
of incorporation, country of headquarters, and country of the most liquid exchange as defined by two-year average daily dollar trading
volume from all exchanges within a country. Using the HCIs, FTSE Russell cross-compares the primary location of the company&rsquo;s assets
with the three HCIs. If the primary location of the company&rsquo;s assets matches any of the HCIs, then the company is assigned to its
primary asset location. If there is insufficient information to determine the country in which the company&rsquo;s assets are primarily
located, FTSE Russell will use the primary location of the company&rsquo;s revenues for the same cross-comparison and will assign the
company to the appropriate country in a similar fashion. FTSE Russell uses an average of two years of assets or revenue data for analysis
to reduce potential turnover. If conclusive country details cannot be derived from assets or revenue, FTSE Russell assigns the company
to the country where its headquarters are located unless the country is a Benefit Driven Incorporation country; in which case, the company
will be assigned to the country of its most liquid stock exchange. For any companies incorporated or headquartered in a U.S. territory,
including countries such as Puerto Rico, Guam, and U.S. Virgin Islands, a U.S. HCI is assigned. If a company is designated as a Chinese
 &ldquo;N Share,&rdquo; it will not be considered for inclusion within the Russell U.S. indices. An &ldquo;N Share&rdquo; is a company
incorporated outside of mainland China that trades on the New York Stock Exchange (the &ldquo;NYSE&rdquo;), the Nasdaq exchange or the
NYSE American. An N Share will have a headquarter or principle executive office or its establishment in mainland China, with a majority
of its revenues or assets derived from the People&rsquo;s Republic of China.</FONT></P>

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

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">All
securities eligible for inclusion in Russell U.S. indices must trade on an eligible U.S. exchange. The eligible U.S. exchanges are: CBOE,
NYSE, NYSE American, NYSE Arca and Nasdaq. Bulletin board, pink-sheets, and over-the-counter (&ldquo;OTC&rdquo;) traded securities are
not eligible for inclusion, including securities for which prices are displayed on the FINRA ADF.</FONT></P>

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

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Preferred
and convertible preferred stock, redeemable shares, participating preferred stock, warrants, rights, installment receipts and trust receipts
are not eligible for inclusion in the Russell U.S. indices. Royalty trusts, U.S. limited liability companies, closed-end investment companies,
blank-check companies, special-purpose acquisition companies, and limited partnerships are also not eligible for inclusion in the Russell
U.S. indices. Business development companies, exchange traded funds and mutual funds are also excluded.</FONT></P>

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

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">If
an eligible company trades under multiple share classes, FTSE Russell will review each share class independently for U.S. index inclusion.
Stocks must trade at or above $1.00 (on its primary exchange) on the rank day in May&nbsp;of each year to be eligible for inclusion during
annual reconstitution. However, in order to reduce unnecessary turnover, if an existing index member&rsquo;s closing price is less than
$1.00 on rank day, it will be considered eligible if the average of the daily closing prices (from its primary exchange) during the 30
days prior to the rank day is equal to or greater than $1.00. If an existing index member does not trade on the rank day in May, it must
price at $1.00 or above on another eligible U.S. exchange to remain eligible. A stock added during the quarterly initial public offering
(&ldquo;IPO&rdquo;) process is considered a new index addition and therefore must have a closing price on its primary exchange at or
above $1.00 on the last day of the IPO eligibility period in order to qualify for index inclusion. Companies with a total market capitalization
of less than $30 million are not eligible for inclusion in the Russell U.S. indices. Similarly, companies with only 5% or less of their
shares available in the marketplace are not eligible for the Russell U.S. indices.</FONT></P>

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

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B>Annual
Reconstitution</B></FONT></P>

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

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Annual
reconstitution is the process by which all Russell indices are completely rebuilt. Reconstitution is a vital part of the creation of
a benchmark which accurately represents a particular market segment. Companies may get bigger or smaller over time, or periodically undergo
changes in their style characteristics. Reconstitution ensures that the companies continue to be correctly represented in the appropriate
Russell indices.</FONT></P>

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

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">On
the rank day in May&nbsp;each year, all eligible securities are ranked by their total market capitalization. The largest 4,000 become
the Russell 3000E Index, and the other Russell U.S. indices are determined from that set of securities. If there are not 4,000 eligible
securities in the U.S. market, the entire eligible set is included.</FONT></P>

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

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

<!-- Field: Page; Sequence: 8; Value: 2 -->
    <DIV STYLE="margin-top: 12pt; margin-bottom: 6pt"><P STYLE="margin: 0pt"></P><TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 9pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse"><TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif; vertical-align: top"><TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; 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">Autocallable Strategic Accelerated Redemption Securities<SUP>&reg;</SUP></FONT></TD><TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; width: 8%; border-top: green 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt; color: #5b862b">TS-<!-- Field: Sequence; Type: Arabic; Name: PageNo -->8<!-- Field: /Sequence --></FONT></TD></TR></TABLE><P STYLE="margin: 0pt">&nbsp;</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"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"></FONT></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: 12pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 16pt; color: #5b862b">Autocallable
    Strategic Accelerated Redemption Securities<SUP>&reg;</SUP> <BR>
    </FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt; color: #5b862b">Linked to the Russell 2000<SUP>&reg;</SUP>
    Index, due September&nbsp; , 2028</FONT></TD>
    <TD STYLE="width: 19%; border-bottom: #5B862B 4.5pt solid; padding-right: 5.4pt; padding-left: 5.4pt; font-size: 12pt; text-align: right">&nbsp;</TD></TR>
  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Reconstitution
occurs on the fourth Friday in June. A full calendar for reconstitution is published each spring.</FONT></P>

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

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Eligible
IPOs are added to the Russell U.S. indices quarterly to ensure that new additions to the institutional investing opportunity set are
reflected in the representative indices. FTSE Russell focuses on IPOs each quarter because it is important to reflect market additions
between reconstitution periods. Companies filing an IPO registration statement (or the local equivalent when outside the United States)
and listing with the same quarter on an eligible U.S. exchange are reviewed for eligibility regardless of previous trading activity (exceptional
or unique events may induce extraordinary treatment which will be communicated appropriately). Companies currently trading on foreign
exchanges or OTC markets will be reviewed for eligibility if: (1)&nbsp;the company files an IPO statement for an eligible U.S. exchange;
and (2)&nbsp;the offering is announced to the market and confirmed by FTSE Russell&rsquo;s vendors as an IPO.</FONT></P>

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

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B>Capitalization
Adjustments</B></FONT></P>

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

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">After
membership is determined, a security&rsquo;s shares are adjusted to include only those shares available to the public, which is often
referred to as &ldquo;free float.&rdquo; The purpose of this adjustment is to exclude from market calculations the capitalization that
is not available for purchase and is not part of the investable opportunity set. Stocks in the Russell U.S. indices are weighted by their
available (also called &ldquo;float-adjusted&rdquo;) market capitalization, which is calculated by multiplying the primary closing price
by the available shares. Adjustments to shares are reviewed at reconstitution, during quarterly update cycles and for corporate actions
such as mergers.</FONT></P>

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

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Certain
types of shares are considered restricted and removed from total market capitalization to arrive at free float or available market capitalization,
such as shares directly owned by state, regional, municipal and local governments (excluding shares held by independently managed pension
schemes for governments), shares held by directors, senior executives and managers of the company, and by their family and direct relations,
and by companies with which they are affiliated, and shares with high shareholding concentration,&nbsp;etc.</FONT></P>

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

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B>Corporate
Action-Driven Changes</B></FONT></P>

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

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">FTSE
Russell defines a corporate action as an action on shareholders with a prescribed ex-date (e.g., rights issue, special dividend, stock
split). The share price and indices in which the company is included will be subject to an adjustment on the ex-date. This is a mandatory
event. FTSE Russell defines a corporate event as a reaction to company news (event) that might impact the index depending on the index
rules. FTSE Russell applies corporate actions and events to its indices on a daily basis. Depending upon the time an action is determined
to be final, FTSE Russell will either (1)&nbsp;apply the action before the open on the ex-date, or (2)&nbsp;apply the action providing
appropriate notice, referred to as &ldquo;delayed action.&rdquo;</FONT></P>

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

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">For
merger and spin-off transactions that are effective between rank day in May&nbsp;and the business day immediately before the index lock
down takes effect prior to annual reconstitution in June, the market capitalizations of the impacted securities are recalculated and
membership is reevaluated as of the effective date of the corporate action. For corporate events that occur during the reconstitution
lock down period (which take effect from the open on the first day of the lock-down period onwards), market capitalizations and memberships
will not be reevaluated. Non index members that have been considered ineligible as of rank day will not be reevaluated in the event of
a subsequent corporate action that occurs between rank day and the reconstitution effective date.</FONT></P>

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

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">If
a company distributes shares of an additional share class to its existing shareholders through a mandatory corporate action, FTSE Russell
evaluates the additional share class for separate index membership. The new share class will be deemed eligible if the market capitalization
of the distributed shares meets the minimum size requirement (above the minimum market capitalization breakpoint defined as the smallest
member of the Russell&nbsp;3000E Index from the previous rebalance, adjusted for performance to date.) Index membership of additional
share classes that are added due to corporate actions will mirror that of the pricing vehicle, as will style and stability probabilities.
If the distributed shares of an additional share class do not meet eligibility requirements, they will not be added to the index (the
distributed shares may be added to the index temporarily until they are settled and listed to enable index replication).</FONT></P>

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

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&ldquo;No
Replacement&rdquo; Rule: Securities that leave a Russell U.S. index for any reason (e.g., mergers, acquisitions or other similar corporate
activities) are not replaced. Thus, the number of securities in a Russell U.S. index over the year will fluctuate according to corporate
activity.</FONT></P>

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

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">To maintain
representativeness and maximize the available investment opportunity for index managers, the Russell U.S. indices are reviewed quarterly
for updates to shares outstanding and to free floats used within the index calculation. The changes are implemented quarterly, on the
third Friday of March, September&nbsp;and December&nbsp;(after the close). The June&nbsp;reconstitution will continue to be implemented
on the last Friday of June&nbsp;(unless the last Friday occurs on the 29th or 30th, in which case reconstitution will occur on the Friday
prior).</FONT></P>

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

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

<!-- Field: Page; Sequence: 9; 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"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"></FONT></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: 12pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 16pt; color: #5b862b">Autocallable
    Strategic Accelerated Redemption Securities<SUP>&reg;</SUP> <BR>
    </FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt; color: #5b862b">Linked to the Russell 2000<SUP>&reg;</SUP>
    Index, due September&nbsp; , 2028</FONT></TD>
    <TD STYLE="width: 19%; border-bottom: #5B862B 4.5pt solid; padding-right: 5.4pt; padding-left: 5.4pt; font-size: 12pt; text-align: right">&nbsp;</TD></TR>
  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B><I>The
following graph shows the daily historical performance of the Index in the period from January&nbsp;1, 2015 through August&nbsp;22, 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 August&nbsp;22, 2025, the closing level of the Index was 2,361.948.</I></B></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; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B>Historical
Performance of the Index</B></FONT></P>

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

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><IMG SRC="tm2522250d59_fwpimg05.jpg" ALT=""><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"></FONT></P>

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

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

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

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

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

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Before investing
in the notes, you should consult publicly available sources for the levels of the Index.</FONT></P>

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

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

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

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">We have entered
into a non-exclusive license agreement with FTSE Russell whereby we, in exchange for a fee, are permitted to use the Index and its related
trademarks in connection with certain securities, including the notes.</FONT></P>

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

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">The license
agreement between FTSE Russell and us provides that the following language must be set forth when referring to any FTSE Russell indexes
or the FTSE Russell trademarks in this term sheet:</FONT></P>

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

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&ldquo;&lsquo;Russell
2000<SUP>&reg;</SUP>&rsquo; and &lsquo;Russell 3000<SUP>&reg;</SUP>&rsquo; are trademarks of FTSE Russell and have been licensed for
use by CIBC. The notes are not sponsored, endorsed, sold, or promoted by FTSE Russell. FTSE Russell makes no representation or warranty,
express or implied, to the owners of the notes or any member of the public regarding the advisability of investing in securities generally
or in the notes particularly or the ability of the Index to track general stock market performance or a segment of the same. FTSE Russell&rsquo;s
publication of the Index in no way suggests or implies an opinion by FTSE Russell as to the advisability of investment in any or all
of the notes upon which the Index is based. FTSE Russell&rsquo;s only relationship to CIBC and its affiliates is the licensing of certain
trademarks and trade names of FTSE Russell and of the Index which is determined, composed and calculated by FTSE Russell without regard
to CIBC and its affiliates or the notes. FTSE Russell is not responsible for and has not reviewed the notes nor any associated literature
or publications and FTSE Russell makes no representation or warranty, express or implied, as to their accuracy or completeness, or otherwise.
FTSE Russell reserves the right, at any time and without notice, to alter, amend, terminate or in any way change the Index. FTSE Russell
has no obligation or liability in connection with the administration, marketing or trading of the notes.</FONT></P>

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

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">FTSE RUSSELL
DOES NOT GUARANTEE THE ACCURACY AND/OR THE COMPLETENESS OF THE INDEX OR ANY DATA INCLUDED THEREIN AND FTSE RUSSELL SHALL HAVE NO LIABILITY
FOR ANY ERRORS, OMISSIONS, OR INTERRUPTIONS THEREIN. FTSE RUSSELL MAKES NO WARRANTY, EXPRESS OR IMPLIED, AS TO RESULTS TO BE OBTAINED
BY CIBC AND/OR ITS AFFILIATES,&nbsp;INVESTORS, OWNERS OF THE NOTES, OR ANY OTHER PERSON OR ENTITY FROM THE USE OF THE INDEX OR ANY DATA
INCLUDED THEREIN. FTSE RUSSELL MAKES NO EXPRESS OR IMPLIED WARRANTIES, AND EXPRESSLY DISCLAIMS ALL WARRANTIES OF MERCHANTABILITY OR FITNESS
FOR A PARTICULAR PURPOSE OR USE WITH RESPECT TO THE INDEX OR ANY DATA INCLUDED THEREIN. WITHOUT LIMITING ANY OF THE FOREGOING,&nbsp;IN
NO</FONT></P>

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

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

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

<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: 12pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 16pt; color: #5b862b">Autocallable
    Strategic Accelerated Redemption Securities<SUP>&reg;</SUP> <BR>
    </FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt; color: #5b862b">Linked to the Russell 2000<SUP>&reg;</SUP>
    Index, due September&nbsp; , 2028</FONT></TD>
    <TD STYLE="width: 19%; border-bottom: #5B862B 4.5pt solid; padding-right: 5.4pt; padding-left: 5.4pt; font-size: 12pt; text-align: right">&nbsp;</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"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">EVENT SHALL
FTSE RUSSELL HAVE ANY LIABILITY FOR ANY SPECIAL, PUNITIVE,&nbsp;INDIRECT, OR CONSEQUENTIAL DAMAGES (INCLUDING LOST PROFITS), EVEN IF
NOTIFIED OF THE POSSIBILITY OF SUCH DAMAGES.</FONT></P>

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

<P STYLE="font: 18pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5b862b"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Supplement
to the Plan of Distribution</FONT></P>

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

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

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

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

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

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

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

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

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

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">The notes
will not be listed on any securities exchange. In the original offering of the notes, the notes will be sold in minimum investment amounts
of 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.</FONT></P>

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

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

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

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

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

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

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

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

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="font-family: Arial, Helvetica, Sans-Serif; vertical-align: top">
<TD STYLE="font-family: Arial, Helvetica, Sans-Serif; width: 0.25in"></TD><TD STYLE="font-family: Arial, Helvetica, Sans-Serif; width: 0.25in"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&bull;</FONT></TD><TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">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;</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="font-family: Arial, Helvetica, Sans-Serif; vertical-align: top">
<TD STYLE="font-family: Arial, Helvetica, Sans-Serif; width: 0.25in"></TD><TD STYLE="font-family: Arial, Helvetica, Sans-Serif; width: 0.25in"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&bull;</FONT></TD><TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">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</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="font-family: Arial, Helvetica, Sans-Serif; vertical-align: top">
<TD STYLE="font-family: Arial, Helvetica, Sans-Serif; width: 0.25in"></TD><TD STYLE="font-family: Arial, Helvetica, Sans-Serif; width: 0.25in"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&bull;</FONT></TD><TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">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.</FONT></TD></TR></TABLE>

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

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

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

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

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"></FONT></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="font: 9pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse"><TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif; vertical-align: top"><TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; 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">Autocallable Strategic Accelerated Redemption Securities<SUP>&reg;</SUP></FONT></TD><TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; width: 8%; border-top: green 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt; color: #5b862b">TS-<!-- Field: Sequence; Type: Arabic; Name: PageNo -->11<!-- Field: /Sequence --></FONT></TD></TR></TABLE><P STYLE="margin: 0pt">&nbsp;</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"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"></FONT></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: 12pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 16pt; color: #5b862b">Autocallable
    Strategic Accelerated Redemption Securities<SUP>&reg;</SUP> <BR>
    </FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt; color: #5b862b">Linked to the Russell 2000<SUP>&reg;</SUP>
    Index, due September&nbsp; , 2028</FONT></TD>
    <TD STYLE="width: 19%; border-bottom: #5B862B 4.5pt solid; padding-right: 5.4pt; padding-left: 5.4pt; font-size: 12pt; text-align: right">&nbsp;</TD></TR>
  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></P>

<P STYLE="font: 18pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5b862b"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Structuring
the Notes</FONT></P>

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

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">The notes
are our debt securities, the return on which is linked to the performance of the Index. 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.</FONT></P>

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

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Payments on
the notes, including the amount you receive at maturity or upon an automatic call, will be calculated based on the performance of the
Index 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
Index, 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.</FONT></P>

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

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

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

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">For further
information, see &ldquo;Risk Factors&mdash;Valuation- and Market-related Risks&rdquo; beginning on page&nbsp;PS-8 of product supplement
EQUITY STR-1 and &ldquo;Use of Proceeds&rdquo; on page&nbsp;S-14 of prospectus supplement.</FONT></P>

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"></FONT></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="font: 9pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse"><TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif; vertical-align: top"><TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; 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">Autocallable Strategic Accelerated Redemption Securities<SUP>&reg;</SUP></FONT></TD><TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; width: 8%; border-top: green 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt; color: #5b862b">TS-<!-- Field: Sequence; Type: Arabic; Name: PageNo -->12<!-- Field: /Sequence --></FONT></TD></TR></TABLE><P STYLE="margin: 0pt">&nbsp;</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"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"></FONT></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: 12pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 16pt; color: #5b862b">Autocallable
    Strategic Accelerated Redemption Securities<SUP>&reg;</SUP> <BR>
    </FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt; color: #5b862b">Linked to the Russell 2000<SUP>&reg;</SUP>
    Index, due September&nbsp; , 2028</FONT></TD>
    <TD STYLE="width: 19%; border-bottom: #5B862B 4.5pt solid; padding-right: 5.4pt; padding-left: 5.4pt; font-size: 12pt; text-align: right">&nbsp;</TD></TR>
  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></P>

<P STYLE="font: 18pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5b862b"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Summary
of Canadian Federal Income Tax Considerations</FONT></P>

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

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

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

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

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

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

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

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

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

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

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

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

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"></FONT></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="font: 9pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse"><TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif; vertical-align: top"><TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; 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">Autocallable Strategic Accelerated Redemption Securities<SUP>&reg;</SUP></FONT></TD><TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; width: 8%; border-top: green 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt; color: #5b862b">TS-<!-- Field: Sequence; Type: Arabic; Name: PageNo -->13<!-- Field: /Sequence --></FONT></TD></TR></TABLE><P STYLE="margin: 0pt">&nbsp;</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"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"></FONT></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: 12pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 16pt; color: #5b862b">Autocallable
    Strategic Accelerated Redemption Securities<SUP>&reg;</SUP> <BR>
    </FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt; color: #5b862b">Linked to the Russell 2000<SUP>&reg;</SUP>
    Index, due September&nbsp; , 2028</FONT></TD>
    <TD STYLE="width: 19%; border-bottom: #5B862B 4.5pt solid; padding-right: 5.4pt; padding-left: 5.4pt; font-size: 12pt; text-align: right">&nbsp;</TD></TR>
  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></P>

<P STYLE="font: 18pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5b862b"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Summary
of U.S. Federal Income Tax Consequences</FONT></P>

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

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

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

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">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, you should generally
recognize capital gain or loss upon the sale, exchange, redemption or payment on maturity in an amount equal to the difference between
the amount you receive at such time and the amount that you paid for your notes. Such gain or loss should generally be long-term capital
gain or loss if you have held your notes for more than one year. Non-U.S. holders should consult the section entitled &ldquo;U.S. Federal
Income Tax Summary&mdash;Non<I>-</I>U.S. Holders&rdquo; in product supplement EQUITY STR-1.</FONT></P>

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

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

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

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; background-color: white">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.</FONT></P>

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

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

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

<P STYLE="font: 18pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5b862b"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Where
You Can Find More Information</FONT></P>

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

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

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

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

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

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

<!-- Field: Page; Sequence: 14; Options: Last -->
    <DIV STYLE="margin-top: 12pt; margin-bottom: 6pt"><P STYLE="margin: 0pt"></P><TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 9pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse"><TR STYLE="font: 9pt Arial, Helvetica, Sans-Serif; vertical-align: top"><TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; 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">Autocallable Strategic Accelerated Redemption Securities<SUP>&reg;</SUP></FONT></TD><TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; width: 8%; border-top: green 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt; color: #5b862b">TS-<!-- Field: Sequence; Type: Arabic; Name: PageNo -->14<!-- Field: /Sequence --></FONT></TD></TR></TABLE><P STYLE="margin: 0pt">&nbsp;</P></DIV>
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end
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
