<SEC-DOCUMENT>0001104659-25-097061.txt : 20251006
<SEC-HEADER>0001104659-25-097061.hdr.sgml : 20251006
<ACCEPTANCE-DATETIME>20251006151243
ACCESSION NUMBER:		0001104659-25-097061
CONFORMED SUBMISSION TYPE:	FWP
PUBLIC DOCUMENT COUNT:		8
FILED AS OF DATE:		20251006
DATE AS OF CHANGE:		20251006

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:		251376688

	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>tm2524819d48_fwp.htm
<DESCRIPTION>FWP
<TEXT>
<HTML>
<HEAD>
<TITLE></TITLE>
</HEAD>
<BODY>


<P STYLE="font: 7.5pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right"></P>

<P STYLE="font: 7.5pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse; font-family: Arial, Helvetica, Sans-Serif">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 32%; border: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; font-size: 7pt">&nbsp;</TD>
    <TD STYLE="width: 26%; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt">
    <P STYLE="font: 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 dated </B></P>
    <P STYLE="font: 7pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center; color: red"><B>October 6, 2025</B></P></TD>
    <TD STYLE="width: 42%; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; font-size: 7pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 7pt"><B>Filed Pursuant to Rule 433<BR>
Registration Statement No. 333-272447<BR>
(To Prospectus dated September 5, 2023,<BR>
Prospectus Supplement dated September 5, 2023 and<BR>
Product Supplement EQUITY ARN-1 dated September 5, 2023)</B></FONT></TD></TR>
  </TABLE>
<P STYLE="font: 7.5pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right">&nbsp;</P>

<P STYLE="font: 7.5pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse; font-family: Arial, Helvetica, Sans-Serif">
  <TR STYLE="vertical-align: top; background-color: #1F497D">
    <TD COLSPAN="3" ROWSPAN="2" STYLE="padding-right: 5.4pt; padding-left: 9.9pt; font-size: 9pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><BR>
<BR>
</FONT><FONT STYLE="color: white">&nbsp;&nbsp;Units<BR>
$10 principal amount per unit<BR>
CUSIP No.&nbsp;&nbsp;&nbsp;&nbsp;<BR>
<IMG SRC="tm2524819d48_fwpimg001.jpg" ALT=""></FONT></TD>
    <TD COLSPAN="2" STYLE="text-align: left; padding-right: 5.4pt; padding-left: 9.9pt; vertical-align: bottom">
    <P STYLE="font: 7.5pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: white">&nbsp;</P>
    <P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: white">Pricing Date*</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="text-align: right; padding-right: 5.4pt; padding-left: 5.4pt; vertical-align: bottom">
    <P STYLE="font: 7.5pt Arial, Helvetica, Sans-Serif; color: white; margin: 0pt 0">&nbsp;</P>
    <P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; color: white; margin: 0pt 0">October , 2025</P>
    <P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; color: white; margin: 0pt 0">November , 2025</P>
    <P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; color: white; margin: 0pt 0">December , 2026</P></TD></TR>
  <TR STYLE="vertical-align: top; background-color: #1F497D">
    <TD COLSPAN="3" STYLE="text-align: left; padding-right: 5.4pt; padding-left: 9.9pt; font-size: 9pt; vertical-align: top"><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 &#8220;pricing date&#8221;)</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">&nbsp;</P></TD></TR>
  <TR STYLE="font-size: 3pt; vertical-align: top">
    <TD STYLE="background-color: #046E87; padding-right: 5.4pt; padding-left: 9.9pt; font-size: 3pt">&nbsp;</TD>
    <TD STYLE="background-color: #C87D0E; padding-right: 5.4pt; padding-left: 5.4pt; font-size: 3pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="background-color: #5C255C; padding-right: 5.4pt; padding-left: 5.4pt; font-size: 3pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="background-color: #61961A; padding-right: 5.4pt; padding-left: 5.4pt; font-size: 3pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top; background-color: #1F497D">
    <TD COLSPAN="6" STYLE="padding-right: 5.4pt; padding-left: 9.9pt">
    <P STYLE="font: 21pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: white"><B>Accelerated Return Notes<SUP>&reg;</SUP> Linked to
    the S&amp;P 500<SUP>&reg; </SUP>Index</B></P>
    <P STYLE="font: 5pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: White">&nbsp;</P>
    <P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.25in; text-indent: -0.25in; color: white"><FONT STYLE="font-family: Wingdings; font-size: 10pt">&sect;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 7pt">&nbsp;
    </FONT><FONT STYLE="font-size: 10pt">&#8239;&#8239;&#8239;&#8239;Maturity of approximately 14 months</FONT></P>
    <P STYLE="font: 5pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: White">&nbsp;</P>
    <P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.25in; text-indent: -0.25in; color: white"><FONT STYLE="font-family: Wingdings; font-size: 10pt">&sect;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 7pt">&nbsp;
 &#8239;&#8239;&#8239;&#8239;    </FONT><FONT STYLE="font-size: 10pt">3-to-1 upside exposure to increases in the Index, subject to a capped return of [9.75% to 13.75%]</FONT></P>
    <P STYLE="font: 5pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: White">&nbsp;</P>
    <P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.25in; text-indent: -0.25in; color: white"><FONT STYLE="font-family: Wingdings; font-size: 10pt">&sect;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 7pt">&nbsp;
    </FONT><FONT STYLE="font-size: 10pt">&#8239;&#8239;&#8239;&#8239;1-to-1 downside exposure to decreases in the Index, with up to 100% of your investment at risk</FONT></P>
    <P STYLE="font: 5pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: White">&nbsp;</P>
    <P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.25in; text-indent: -0.25in; color: white"><FONT STYLE="font-family: Wingdings; font-size: 10pt">&sect;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 7pt">&nbsp;
    </FONT><FONT STYLE="font-size: 10pt">&#8239;&#8239;&#8239;&#8239;All payments occur at maturity and are subject to the credit risk of Canadian Imperial Bank of Commerce</FONT></P>
    <P STYLE="font: 5pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: White">&nbsp;</P>
    <P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.25in; text-indent: -0.25in; color: white"><FONT STYLE="font-family: Wingdings; font-size: 10pt">&sect;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 7pt">&nbsp;
    </FONT><FONT STYLE="font-size: 10pt">&#8239;&#8239;&#8239;&#8239;No periodic interest payments</FONT></P>
    <P STYLE="font: 5pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: White">&nbsp;</P>
    <P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.25in; text-indent: -0.25in; color: white"><FONT STYLE="font-family: Wingdings; font-size: 10pt">&sect;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 7pt">&nbsp;
 &#8239;&#8239;&#8239;&#8239;&#8239;    </FONT><FONT STYLE="font-size: 10pt">In addition to the underwriting discount set forth below, the notes include a hedging-related charge
    of $0.05 per unit. See &#8220;Structuring the Notes&#8221;</FONT></P>
    <P STYLE="font: 5pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: White">&nbsp;</P>
    <P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.25in; text-indent: -0.25in; color: white"><FONT STYLE="font-family: Wingdings; font-size: 10pt">&sect;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 7pt">&nbsp;
 &#8239;&#8239;&#8239;&#8239;&#8239;    </FONT><FONT STYLE="font-size: 10pt">Limited secondary market liquidity, with no exchange listing</FONT></P>
    <P STYLE="font: 5pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: White">&nbsp;</P>
    <P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 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: 7pt">&nbsp;&nbsp;
    </FONT><FONT STYLE="font-size: 10pt">&#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>
    <P STYLE="font: 5pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: White">&nbsp;</P></TD></TR>
  <TR STYLE="font-size: 7pt; vertical-align: top; background-color: #B8CCE4">
    <TD COLSPAN="6" STYLE="padding-right: 5.4pt; padding-left: 9.9pt; font-size: 7pt">&nbsp;</TD></TR>
  <TR STYLE="font-size: 1pt">
    <TD STYLE="font-size: 1pt; width: 25%">&nbsp;</TD>
    <TD STYLE="font-size: 1pt; width: 25%">&nbsp;</TD>
    <TD STYLE="font-size: 1pt; width: 1%">&nbsp;</TD>
    <TD STYLE="font-size: 1pt; width: 24%">&nbsp;</TD>
    <TD STYLE="font-size: 1pt; width: 1%">&nbsp;</TD>
    <TD STYLE="font-size: 1pt; width: 24%">&nbsp;</TD></TR>
  </TABLE>
<P STYLE="font: 7.5pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right">&nbsp;</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
notes are being issued by Canadian Imperial Bank of Commerce (&#8220;CIBC&#8221;). There are important differences between the notes and
a conventional debt security, including different investment risks and certain additional costs. See &#8220;Risk Factors&#8221; beginning
on page TS-</B></FONT><B>6 of this term sheet and beginning on page PS-6 of product supplement EQUITY ARN-1. </B></P>

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

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><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 $</B></FONT><B><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 7.5pt">9.359
<FONT STYLE="background-color: white">and $</FONT>9.540 <FONT STYLE="background-color: white">per unit, which is less than the public
offering price listed below.</FONT></FONT></B> See &#8220;Summary&#8221; on the following page, &#8220;Risk Factors&#8221; beginning on
page TS-6 of this term sheet and &#8220;Structuring the Notes&#8221; on page TS-14 of this term sheet for additional information. The
actual value of your notes at any time will reflect many factors and cannot be predicted with accuracy.</P>

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

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

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

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">None of the Securities and Exchange Commission (the &#8220;SEC&#8221;),
any state securities commission, or any other regulatory body has approved or disapproved of these securities or determined if this Note
Prospectus (as defined below) is truthful or complete. Any representation to the contrary is a criminal offense.</P>

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

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

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

<TABLE CELLSPACING="0" CELLPADDING="0" ALIGN="CENTER" STYLE="width: 80%; border-collapse: collapse; font-family: Arial, Helvetica, Sans-Serif">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 42%; padding: 3pt 5.4pt; font-size: 9pt">&nbsp;</TD>
    <TD STYLE="width: 26%; padding: 3pt 5.4pt; text-align: center; font-size: 9pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><U>Per Unit</U></FONT></TD>
    <TD STYLE="width: 32%; padding: 3pt 5.4pt; text-align: center; font-size: 9pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><U>Total</U></FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 3pt 5.4pt; font-size: 9pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Public offering price<SUP>(1)</SUP>&#9;</FONT></TD>
    <TD STYLE="padding: 3pt 5.4pt; text-align: center; font-size: 9pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$10.000</FONT></TD>
    <TD STYLE="padding: 3pt 5.4pt; text-align: center; font-size: 9pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$ &#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 3pt 5.4pt; font-size: 9pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Underwriting discount<SUP>(1)</SUP>&#9;</FONT></TD>
    <TD STYLE="padding: 3pt 5.4pt; text-align: center; font-size: 9pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 7.5pt">0.175</FONT></TD>
    <TD STYLE="padding: 3pt 5.4pt; text-align: center; font-size: 9pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$ &#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 3pt 5.4pt; font-size: 9pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Proceeds, before expenses, to </FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 7.5pt">CIBC&#9;</FONT></TD>
    <TD STYLE="padding: 3pt 5.4pt; text-align: center; font-size: 9pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$&#8239;&#8239;9.825</FONT></TD>
    <TD STYLE="padding: 3pt 5.4pt; text-align: center; font-size: 9pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$ &#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 28.35pt; text-align: center"><B>&nbsp;</B></P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 28.35pt"></TD><TD STYLE="width: 18pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(1)</FONT></TD><TD STYLE="padding-right: 28.35pt">For any purchase of 300,000 units or more in a single transaction by an individual investor or in combined
transactions with the investor&#8217;s household in this offering, the public offering price and the underwriting discount will be $9.95
per unit and $0.125 per unit, respectively. See &#8220;Supplement to the Plan of Distribution&#8221; below.</TD></TR></TABLE>

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

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

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



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

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

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

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">October &#8239;&#8239;&#8239;&#8239;, 2025</P>

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


<!-- Field: Page; Sequence: 1 -->
    <DIV STYLE="margin-top: 12pt; margin-bottom: 6pt"><P STYLE="margin: 0pt"></P></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

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

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 81%; border-bottom: #5B862B 4.5pt solid; padding-right: 5.4pt; padding-left: 5.4pt; font-size: 10pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 16pt; color: rgb(91,134,43)">Accelerated
    Return Notes<SUP>&reg;</SUP></FONT> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 16pt; color: rgb(91,134,43)"><BR>
    </FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt; color: rgb(91,134,43)">Linked to the S&amp;P 500<SUP>&reg;
    </SUP>Index, due December&nbsp;&nbsp;&nbsp;, 2026</FONT></TD>
    <TD STYLE="width: 19%; border-bottom: #5B862B 4.5pt solid; padding-right: 5.4pt; padding-left: 5.4pt">
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right; color: #5b862b">&nbsp;</P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right; color: #5b862b">&nbsp;</P></TD></TR>
  </TABLE>
<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 20pt Arial, Helvetica, Sans-Serif; color: #5b862b; margin: 0pt 0">Summary</P>

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

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8.5pt">The
Accelerated Return Notes<SUP>&reg; </SUP></FONT><FONT STYLE="font-size: 8pt">Linked to the S&amp;P 500<SUP>&reg;</SUP> Index</FONT><FONT STYLE="font-size: 8.5pt">,
due December , 2026 (the &#8220;notes&#8221;) are our senior unsecured debt securities. The notes are not guaranteed or insured by the
Canada Deposit Insurance Corporation, the U.S. Federal Deposit Insurance Corporation or any other governmental agency of the United States,
Canada or any other jurisdiction or secured by collateral. The notes are not bail-inable debt securities (as defined on page 6 of the
prospectus). <B>The notes will rank equally with all of our other unsecured and unsubordinated debt. Any payments due on the notes, including
any repayment of principal, will be subject to the credit risk of CIBC. </B> The notes provide you a leveraged return, subject to a cap,
if the Ending Value of the Market Measure, which is the S&amp;P 500<SUP>&reg;</SUP> Index (the &#8220;Index&#8221;), is greater than the
Starting Value. If the Ending Value is equal to the Starting Value, you will receive the principal amount of your notes. If the Ending
Value is less than the Starting Value, you will lose all or a portion of the principal amount of your notes. Any payments on the notes
will be calculated based on the $10 principal amount per unit and will depend on the performance of the Index, subject to our credit risk.
See &#8220;Terms of the Notes&#8221; below.</FONT></P>

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

<P STYLE="font: 8.5pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">The economic terms of the notes (including the Capped Value) are based
on our internal funding rate, which is the rate we would pay to borrow funds through the issuance of market-linked notes, and the economic
terms of certain related hedging arrangements. Our internal funding rate is typically lower than the rate we would pay when we issue conventional
fixed rate debt securities. This difference in funding rate, as well as the underwriting discount and the hedging-related charge and certain
service fee described below, will reduce the economic terms of the notes to you and the initial estimated value of the notes on the pricing
date. Due to these factors, the public offering price you pay to purchase the notes will be greater than the initial estimated value of
the notes.</P>

<P STYLE="font: 8.5pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 8.5pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">On the cover
page of this term sheet, we have provided the initial estimated value range for the notes. This initial estimated value range was determined
based on our pricing models. The initial estimated value as of the pricing date will be based on our internal funding rate on the pricing
date, market conditions and other relevant factors existing at that time, and our assumptions about market parameters. For more information
about the initial estimated value and the structuring of the notes, see &#8220;Structuring the Notes&#8221; on page TS-14</FONT>.</P>

<P STYLE="font: 8.5pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 9pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="2" STYLE="padding-right: 5.4pt; padding-bottom: 6pt; padding-left: 5.4pt; font-size: 18pt; color: #5B862B"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 18pt; color: #5b862b">Terms of the Notes</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-bottom: 6pt; padding-left: 5.4pt; font-size: 18pt; color: #5B862B"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 18pt; color: #5b862b">Redemption Amount Determination</FONT></TD></TR>
  <TR>
    <TD STYLE="vertical-align: top; width: 14%; background-color: #F2F2F2; padding: 1.5pt 5.4pt; color: #5B8F22; font-weight: bold"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8.5pt; color: #5b8f22"><B>Issuer:</B></FONT></TD>
    <TD STYLE="vertical-align: top; width: 29%; padding: 1.5pt 5.4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8.5pt">Canadian Imperial Bank of Commerce (&#8220;CIBC&#8221;)</FONT></TD>
    <TD STYLE="width: 57%; padding: 1.5pt 5.4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8.5pt">On the maturity date, you will receive a cash payment per unit determined as follows:</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 1.5pt 5.4pt; background-color: #F2F2F2; color: #5B8F22; font-weight: bold"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8.5pt; color: #5b8f22"><B>Principal Amount:</B></FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8.5pt">$10.00 per unit</FONT></TD>
    <TD ROWSPAN="10" STYLE="padding-top: 5pt; padding-right: 5.4pt; padding-left: 5.4pt"><IMG SRC="tm2524819d48_fwpimg002.jpg" ALT=""><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"></FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 1.5pt 5.4pt; background-color: #F2F2F2; color: #5B8F22; font-weight: bold"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8.5pt; color: #5b8f22"><B>Term:</B></FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8.5pt">Approximately 14 months</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 1.5pt 5.4pt; background-color: #F2F2F2; color: #5B8F22; font-weight: bold"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8.5pt; color: #5b8f22"><B>Market Measure:</B></FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8.5pt">The S&amp;P 500<SUP>&reg;</SUP> Index (Bloomberg symbol: &#8220;SPX&#8221;), a price return index.</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 1.5pt 5.4pt; background-color: #F2F2F2; color: #5B8F22; font-weight: bold"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8.5pt; color: #5b8f22"><B>Starting Value:</B></FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8.5pt">The closing level of the Market Measure on the pricing date.</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 1.5pt 5.4pt; background-color: #F2F2F2; color: #5B8F22; font-weight: bold"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8.5pt; color: #5b8f22"><B>Ending Value:</B></FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8.5pt">The average of the closing levels of the Market Measure on each calculation day occurring during the Maturity Valuation Period. The scheduled calculation days are subject to postponement in the event of Market Disruption Events, as described beginning on page PS-21 of product supplement EQUITY ARN-1.</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 1.5pt 5.4pt; background-color: #F2F2F2; color: #5B8F22; font-weight: bold"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8.5pt; color: #5b8f22"><B>Participation Rate:</B></FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8.5pt">300%</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 1.5pt 5.4pt; background-color: #F2F2F2; color: #5B8F22; font-weight: bold"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8.5pt; color: #5b8f22"><B>Capped Value:</B></FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8.5pt">[$10.975 to $11.375] per unit, which represents a return of [9.75% to 13.75%] over the principal amount. The actual Capped Value will be determined on the pricing date.</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 1.5pt 5.4pt; background-color: #F2F2F2; color: #5B8F22; font-weight: bold"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8.5pt; color: #5b8f22"><B>Maturity Valuation Period:</B></FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8.5pt">Five scheduled calculation days shortly before the maturity date</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 1.5pt 5.4pt; background-color: #F2F2F2; color: #5B8F22; font-weight: bold"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8.5pt; color: #5b8f22"><B>Fees and Charges:</B></FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8.5pt">The underwriting discount of $0.175 per unit listed on the cover page and the hedging-related charge of $0.05 per unit described in &#8220;Structuring the Notes&#8221; on page TS-14.</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 1.5pt 5.4pt; background-color: #F2F2F2; color: #5B8F22; font-weight: bold"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8.5pt; color: #5b8f22"><B>Calculation Agent:</B></FONT></TD>
    <TD STYLE="padding: 1.5pt 5.4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8.5pt">BofA Securities, Inc. (&#8220;BofAS&#8221;)</FONT></TD></TR>
  </TABLE>



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

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

<!-- Field: Page; Sequence: 2; Options: NewSection; Value: 2 -->
    <DIV STYLE="margin-top: 12pt; margin-bottom: 6pt"><P STYLE="margin: 0pt"></P><TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse"><TR STYLE="vertical-align: top"><TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-top: green 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; width: 92%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt; color: rgb(91,134,43)">Accelerated Return Notes<SUP>&reg;</SUP></FONT></TD><TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-top: green 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right; width: 8%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt; color: rgb(91,134,43)">TS-<!-- Field: Sequence; Type: Arabic; Name: PageNo -->2<!-- Field: /Sequence --></FONT></TD></TR></TABLE><P STYLE="margin: 0pt"></P></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

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

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 81%; border-bottom: #5B862B 4.5pt solid; padding-right: 5.4pt; padding-left: 5.4pt; font-size: 10pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 16pt; color: rgb(91,134,43)">Accelerated
    Return Notes<SUP>&reg;</SUP></FONT> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 16pt; color: rgb(91,134,43)"><BR>
    </FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt; color: rgb(91,134,43)">Linked to the S&amp;P 500<SUP>&reg;
    </SUP>Index, due December&nbsp;&nbsp;&nbsp;, 2026</FONT></TD>
    <TD STYLE="width: 19%; border-bottom: #5B862B 4.5pt solid; padding-right: 5.4pt; padding-left: 5.4pt">
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right; color: #5b862b">&nbsp;</P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right; color: #5b862b">&nbsp;</P></TD></TR>
  </TABLE><P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

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

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 8pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Wingdings; font-size: 9pt; color: #5b8f22">&sect;</FONT></TD><TD><FONT STYLE="font-size: 9pt">Product supplement EQUITY ARN-1 dated September 5, 2023:<BR>
<A HREF="https://www.sec.gov/Archives/edgar/data/1045520/000110465923098258/tm2325339d3_424b5.htm" STYLE="-sec-extract: exhibit">https://www.sec.gov/Archives/edgar/data/1045520/000110465923098258/tm2325339d3_424b5.htm</A></FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 8pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD>&nbsp;</TD><TD>&nbsp;</TD></TR>
                                                                                                                                        <TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"><FONT STYLE="font-family: Wingdings; font-size: 9pt; color: #5b8f22">&sect;</FONT></TD><TD><FONT STYLE="font-size: 9pt">Prospectus supplement dated September 5, 2023: </FONT></TD></TR></TABLE>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.25in; text-indent: 0in"><A HREF="https://www.sec.gov/Archives/edgar/data/1045520/000110465923098166/tm2322483d94_424b5.htm" STYLE="-sec-extract: exhibit">https://www.sec.gov/Archives/edgar/data/1045520/000110465923098166/tm2322483d94_424b5.htm</A></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 8pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD>&nbsp;</TD><TD>&nbsp;</TD></TR>
                                                                                                                                        <TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"><FONT STYLE="font-family: Wingdings; font-size: 9pt; color: #5b8f22">&sect;</FONT></TD><TD><FONT STYLE="font-size: 9pt">Prospectus dated September 5, 2023:<BR>
<A HREF="https://www.sec.gov/Archives/edgar/data/1045520/000110465923098163/tm2325339d10_424b3.htm" STYLE="-sec-extract: exhibit">https://www.sec.gov/Archives/edgar/data/1045520/000110465923098163/tm2325339d10_424b3.htm</A></FONT></TD></TR></TABLE>

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

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0in">These documents (together, the &#8220;Note Prospectus&#8221;)
have been filed as part of a registration statement with the SEC, which may, without cost, be accessed on the SEC website as indicated
above or obtained from Merrill Lynch, Pierce, Fenner &amp; Smith Incorporated (&#8220;MLPF&amp;S&#8221;) or BofAS by calling 1-800-294-1322.
Before you invest, you should read the Note Prospectus, including this term sheet, for information about us and this offering. Any prior
or contemporaneous oral statements and any other written materials you may have received are superseded by the Note Prospectus. Capitalized
terms used but not defined in this term sheet have the meanings set forth in product supplement EQUITY ARN-1. Unless otherwise indicated
or unless the context requires otherwise, all references in this document to &#8220;we,&#8221; &#8220;us,&#8221; &#8220;our,&#8221; or
similar references are to CIBC.</P>

<P STYLE="font: 7.5pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="color: #5b862b; font: 20pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Investor Considerations</P>

<P STYLE="font: 7.5pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

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

<P STYLE="font: 7.5pt 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: 7.5pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>&nbsp;</B></FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="padding-bottom: 6pt; width: 0"></TD><TD STYLE="padding-bottom: 6pt; width: 0.25in"><FONT STYLE="font-family: Wingdings; font-size: 10pt; color: #5b8f22">&sect;</FONT></TD><TD STYLE="padding-bottom: 6pt">You anticipate that the Index will increase moderately from the Starting Value to the Ending Value.</TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="padding-bottom: 6pt; width: 0"></TD><TD STYLE="padding-bottom: 6pt; width: 0.25in"><FONT STYLE="font-family: Wingdings; font-size: 10pt; color: #5b8f22">&sect;</FONT></TD><TD STYLE="padding-bottom: 6pt">You are willing to risk a loss of principal if the Index decreases from the Starting Value to the Ending Value.</TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="padding-bottom: 6pt; width: 0"></TD><TD STYLE="padding-bottom: 6pt; width: 0.25in"><FONT STYLE="font-family: Wingdings; font-size: 10pt; color: #5b8f22">&sect;</FONT></TD><TD STYLE="padding-bottom: 6pt">You accept that the return on the notes will be capped.</TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="padding-bottom: 6pt; width: 0"></TD><TD STYLE="padding-bottom: 6pt; width: 0.25in"><FONT STYLE="font-family: Wingdings; font-size: 10pt; color: #5b8f22">&sect;</FONT></TD><TD STYLE="padding-bottom: 6pt">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: 6pt; width: 0"></TD><TD STYLE="padding-bottom: 6pt; width: 0.25in"><FONT STYLE="font-family: Wingdings; font-size: 10pt; color: #5b8f22">&sect;</FONT></TD><TD STYLE="padding-bottom: 6pt">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: 6pt; width: 0"></TD><TD STYLE="padding-bottom: 6pt; width: 0.25in"><FONT STYLE="font-family: Wingdings; font-size: 10pt; color: #5b8f22">&sect;</FONT></TD><TD STYLE="padding-bottom: 6pt">You are willing to accept a limited or no market for sales prior to maturity, and understand that the market prices for the notes,
if any, will be affected by various factors, including our actual and perceived creditworthiness, our internal funding rate and fees and
charges on the notes.</TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="padding-bottom: 0; width: 0"></TD><TD STYLE="padding-bottom: 0; width: 0.25in"><FONT STYLE="font-family: Wingdings; font-size: 10pt; color: #5b8f22">&sect;</FONT></TD><TD STYLE="padding-bottom: 0">You are willing to assume our credit risk, as issuer of the notes, for all payments under the notes, including the Redemption Amount.</TD></TR></TABLE>
<P STYLE="font: 7.5pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>&nbsp;</B></FONT></P>

</DIV>

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

<P STYLE="font: 7.5pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B><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></B></FONT></P>

<P STYLE="font: 7.5pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>&nbsp;</B></FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="padding-bottom: 6pt; width: 0"></TD><TD STYLE="padding-bottom: 6pt; width: 0.25in"><FONT STYLE="font-family: Wingdings; font-size: 10pt; color: #5b8f22">&sect;</FONT></TD><TD STYLE="padding-bottom: 6pt">You believe that the Index will decrease from the Starting Value to the Ending Value or that it will not increase sufficiently over
the term of the notes to provide you with your desired return.</TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="padding-bottom: 6pt; width: 0"></TD><TD STYLE="padding-bottom: 6pt; width: 0.25in"><FONT STYLE="font-family: Wingdings; font-size: 10pt; color: #5b8f22">&sect;</FONT></TD><TD STYLE="padding-bottom: 6pt">You seek principal repayment or preservation of capital.</TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="padding-bottom: 6pt; width: 0"></TD><TD STYLE="padding-bottom: 6pt; width: 0.25in"><FONT STYLE="font-family: Wingdings; font-size: 10pt; color: #5b8f22">&sect;</FONT></TD><TD STYLE="padding-bottom: 6pt">You seek an uncapped return on your investment.</TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="padding-bottom: 6pt; width: 0"></TD><TD STYLE="padding-bottom: 6pt; width: 0.25in"><FONT STYLE="font-family: Wingdings; font-size: 10pt; color: #5b8f22">&sect;</FONT></TD><TD STYLE="padding-bottom: 6pt">You seek interest payments or other current income on your investment.</TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="padding-bottom: 6pt; width: 0"></TD><TD STYLE="padding-bottom: 6pt; width: 0.25in"><FONT STYLE="font-family: Wingdings; font-size: 10pt; color: #5b8f22">&sect;</FONT></TD><TD STYLE="padding-bottom: 6pt">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: 6pt; width: 0"></TD><TD STYLE="padding-bottom: 6pt; width: 0.25in"><FONT STYLE="font-family: Wingdings; font-size: 10pt; color: #5b8f22">&sect;</FONT></TD><TD STYLE="padding-bottom: 6pt">You seek an investment for which there will be a liquid secondary market.</TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="padding-bottom: 0; width: 0"></TD><TD STYLE="padding-bottom: 0; width: 0.25in"><FONT STYLE="font-family: Wingdings; font-size: 10pt; color: #5b8f22">&sect;</FONT></TD><TD STYLE="padding-bottom: 0">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: 7.5pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B></B></FONT></P>

<P STYLE="font: 7.5pt 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: 7.5pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">We
urge you to consult your investment, legal, tax, accounting, and other advisors before you invest in the notes.</FONT></P>

<P STYLE="font: 7.5pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</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: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse"><TR STYLE="vertical-align: top"><TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-top: green 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; width: 92%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt; color: rgb(91,134,43)">Accelerated Return Notes<SUP>&reg;</SUP></FONT></TD><TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-top: green 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right; width: 8%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt; color: rgb(91,134,43)">TS-<!-- Field: Sequence; Type: Arabic; Name: PageNo -->3<!-- Field: /Sequence --></FONT></TD></TR></TABLE><P STYLE="margin: 0pt"></P></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 7.5pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 7.5pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 81%; border-bottom: #5B862B 4.5pt solid; padding-right: 5.4pt; padding-left: 5.4pt; font-size: 10pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 16pt; color: rgb(91,134,43)">Accelerated
    Return Notes<SUP>&reg;</SUP></FONT> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 16pt; color: rgb(91,134,43)"><BR>
    </FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt; color: rgb(91,134,43)">Linked to the S&amp;P 500<SUP>&reg;
    </SUP>Index, due December&nbsp;&nbsp;&nbsp;, 2026</FONT></TD>
    <TD STYLE="width: 19%; border-bottom: #5B862B 4.5pt solid; padding-right: 5.4pt; padding-left: 5.4pt">
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right; color: #5b862b">&nbsp;</P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right; color: #5b862b">&nbsp;</P></TD></TR>
  </TABLE><P STYLE="font: 7.5pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 20pt Arial, Helvetica, Sans-Serif; color: #5b862b; margin: 0pt 0">Hypothetical Payout Profile and Examples of Payments
at Maturity</P>

<P STYLE="font: 7.5pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">The graph below is based on <B>hypothetical</B> numbers and values.</P>

<P STYLE="font: 7.5pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse; font-family: Arial, Helvetica, Sans-Serif">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 50%; padding-right: 5.4pt; padding-left: 5.4pt">
    <P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><B>Accelerated Return Notes<SUP>&reg;</SUP></B></P>
    <P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">&nbsp;&nbsp;<IMG SRC="tm2524819d48_fwpimg003.jpg" ALT=""></P>
    <P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">&nbsp;</P></TD>
    <TD STYLE="width: 50%; padding-right: 5.4pt; padding-left: 5.4pt">
    <P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; background-color: #F2F2F2">This graph reflects the returns on the notes,
    based on the Participation Rate of 300% and a hypothetical Capped Value of $11.175 per unit (the midpoint of the Capped Value range of
    [$10.975 to $11.375]).The green line reflects the returns on the notes, while the dotted gray line reflects the returns of a direct investment
    in the stocks included in the Index, excluding dividends.</P>
    <P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; background-color: #F2F2F2">&nbsp;</P>
    <P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; background-color: #F2F2F2">This graph has been prepared for purposes
of illustration only.</P></TD></TR>
  </TABLE>
<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">The
following table and examples are for purposes of illustration only. They are based on <B>hypothetical</B> values and show <B>hypothetical</B>
returns on the notes. They illustrate the calculation of the Redemption Amount and total rate of return based on a hypothetical Starting
Value of 100, the Participation Rate of 300%, a hypothetical Capped Value of $11.175 per unit and a range of hypothetical Ending Values.
<B>The actual amount you receive and the resulting total rate of return will depend on the actual Starting Value, Ending Value and Capped
Value, and whether you hold</B></FONT><B> <FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 7.5pt">the notes to </FONT>maturity.</B>
The following examples do not take into account any tax consequences from investing in the notes.</P>

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

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">For recent actual levels of the Market Measure, see &#8220;The Index&#8221;
section below. The Index is a price return index and as such the Ending Value 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.</P>

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 9pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: center; width: 24%; padding-right: 5.4pt">
    <P STYLE="border-bottom: Black 0.5pt solid; font: 9pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><B>Ending Value</B></P></TD>
    <TD STYLE="text-align: center; width: 31%; padding-right: 5.4pt; padding-left: 5.4pt">
    <P STYLE="border-bottom: Black 0.5pt solid; font: 9pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><B>Percentage Change
    from the <BR>
Starting Value to the Ending<BR>
 Value</B></P></TD>
    <TD STYLE="text-align: center; width: 21%; padding-right: 5.4pt; padding-left: 5.4pt">
    <P STYLE="border-bottom: Black 0.5pt solid; font: 9pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><B>Redemption Amount
    <BR>
per Unit</B></P></TD>
    <TD STYLE="text-align: center; width: 24%; padding-left: 5.4pt">
    <P STYLE="border-bottom: Black 0.5pt solid; font: 9pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><B>Total Rate of
    Return on the <BR>
Notes</B></P></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-right: 5.4pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.00</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">-100.00%</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$0.000</FONT></TD>
    <TD STYLE="padding-left: 5.4pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">-100.00%</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-right: 5.4pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">50.00</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">-50.00%</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$5.000</FONT></TD>
    <TD STYLE="padding-left: 5.4pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">-50.00%</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-right: 5.4pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">80.00</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">-20.00%</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$8.000</FONT></TD>
    <TD STYLE="padding-left: 5.4pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">-20.00%</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-right: 5.4pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">90.00</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">-10.00%</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$9.000</FONT></TD>
    <TD STYLE="padding-left: 5.4pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">-10.00%</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-right: 5.4pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">94.00</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">-6.00%</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$9.400</FONT></TD>
    <TD STYLE="padding-left: 5.4pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">-6.00%</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-right: 5.4pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">97.00</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">-3.00%</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$9.700</FONT></TD>
    <TD STYLE="padding-left: 5.4pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">-3.00%</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-right: 5.4pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;&nbsp;100.00<SUP>(1)</SUP></FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.00%</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$10.000</FONT></TD>
    <TD STYLE="padding-left: 5.4pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.00%</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-right: 5.4pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">103.00</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">3.00%</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$10.900</FONT></TD>
    <TD STYLE="padding-left: 5.4pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">9.00%</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-right: 5.4pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">103.92</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">3.92%</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$11.175<SUP>(2)</SUP></FONT></TD>
    <TD STYLE="padding-left: 5.4pt; text-align: center">11.75<FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">%</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-right: 5.4pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">105.00</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">5.00<FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">%</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$11.175<SUP></SUP></FONT></TD>
    <TD STYLE="padding-left: 5.4pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">11.75%</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-right: 5.4pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">110.00</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">10.00%</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$11.175</FONT></TD>
    <TD STYLE="padding-left: 5.4pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">11.75%</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-right: 5.4pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">130.00</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">30.00%</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$11.175</FONT></TD>
    <TD STYLE="padding-left: 5.4pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">11.75%</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-right: 5.4pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">150.00</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">50.00%</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$11.175</FONT></TD>
    <TD STYLE="padding-left: 5.4pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">11.75%</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-right: 5.4pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">200.00</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">100.00%</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$11.175</FONT></TD>
    <TD STYLE="padding-left: 5.4pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">11.75%</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 27pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(1)</FONT></TD><TD>The <B>hypothetical</B> Starting Value of 100.00 used in these examples has been chosen for illustrative purposes only, and does not
represent a likely actual Starting Value for the Market Measure.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 27pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(2)</FONT></TD><TD>The Redemption Amount per unit cannot exceed the <B>hypothetical</B> Capped Value.</TD></TR></TABLE>




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

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"></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: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse"><TR STYLE="vertical-align: top"><TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-top: green 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; width: 92%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt; color: rgb(91,134,43)">Accelerated Return Notes<SUP>&reg;</SUP></FONT></TD><TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-top: green 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right; width: 8%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt; color: rgb(91,134,43)">TS-<!-- Field: Sequence; Type: Arabic; Name: PageNo -->4<!-- Field: /Sequence --></FONT></TD></TR></TABLE><P STYLE="margin: 0pt"></P></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

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

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 81%; border-bottom: #5B862B 4.5pt solid; padding-right: 5.4pt; padding-left: 5.4pt; font-size: 10pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 16pt; color: rgb(91,134,43)">Accelerated
    Return Notes<SUP>&reg;</SUP></FONT> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 16pt; color: rgb(91,134,43)"><BR>
    </FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt; color: rgb(91,134,43)">Linked to the S&amp;P 500<SUP>&reg;
    </SUP>Index, due December&nbsp;&nbsp;&nbsp;, 2026</FONT></TD>
    <TD STYLE="width: 19%; border-bottom: #5B862B 4.5pt solid; padding-right: 5.4pt; padding-left: 5.4pt">
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right; color: #5b862b">&nbsp;</P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right; color: #5b862b">&nbsp;</P></TD></TR>
  </TABLE><P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

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

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="2" STYLE="padding-bottom: 6pt; padding-right: 5.4pt; padding-left: 5.4pt; font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Example 1</B></FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="2" STYLE="padding-bottom: 6pt; padding-right: 5.4pt; padding-left: 5.4pt; font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">The Ending Value is 50.00, or 50.00% of the Starting Value:</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-bottom: 6pt; padding-right: 5.4pt; padding-left: 5.4pt; font-size: 10pt; width: 15%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Starting Value:&#9;</FONT></TD>
    <TD STYLE="padding-bottom: 6pt; font-size: 10pt; width: 85%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">100.00</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-bottom: 6pt; padding-right: 5.4pt; padding-left: 5.4pt; font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Ending Value:</FONT></TD>
    <TD STYLE="padding-bottom: 6pt; font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">50.00</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-bottom: 0; padding-right: 5.4pt; padding-left: 5.4pt">
    <IMG SRC="tm2524819d48_fwpimg008.jpg" ALT=""><P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"></FONT></P></TD>
    <TD STYLE="padding-bottom: 0; font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>= $5.000</B> Redemption Amount per unit</FONT></TD></TR>
  </TABLE>

<P STYLE="font: 6pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="2" STYLE="padding-bottom: 6pt; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Example 2</B></FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="2" STYLE="padding-bottom: 6pt; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">The Ending Value is 103.00, or 103.00% of the Starting Value:</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-bottom: 6pt; padding-right: 5.4pt; padding-left: 5.4pt; width: 15%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Starting Value:</FONT></TD>
    <TD STYLE="padding-bottom: 6pt; padding-right: 5.4pt; width: 85%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">100.00</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-bottom: 6pt; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Ending Value:</FONT></TD>
    <TD STYLE="padding-bottom: 6pt; padding-right: 5.4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">103.00</FONT></TD></TR>
</TABLE>

<P STYLE="font: 6pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR>
    <TD STYLE="padding-bottom: 0; vertical-align: top; padding-left: 20pt; width: 34%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"></FONT><IMG SRC="tm2524819d48_fwpimg005.jpg" ALT=""></TD>
    <TD STYLE="padding-bottom: 0; width: 66%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>= $10.900</B> Redemption Amount per unit</FONT></TD>
    </TR>
  </TABLE>

<P STYLE="font: 6pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="2" STYLE="padding-right: 5.4pt; padding-left: 5.4pt">
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>Example 3</B></P></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="2" STYLE="padding-top: 5pt; padding-right: 5.4pt; padding-left: 5.4pt; font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">The Ending Value is 130.00, or 130.00% of the Starting Value:</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-top: 5pt; padding-right: 5.4pt; padding-left: 5.4pt; font-size: 10pt; width: 15%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Starting Value:</FONT></TD>
    <TD STYLE="padding-top: 5pt; padding-right: 5.4pt; font-size: 10pt; width: 85%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">100.00</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-top: 5pt; padding-right: 5.4pt; padding-left: 5.4pt; font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Ending Value:</FONT></TD>
    <TD STYLE="padding-top: 5pt; padding-right: 5.4pt; font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">130.00</FONT></TD></TR>
  </TABLE>

<P STYLE="font: 6pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR>
    <TD STYLE="vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; font-size: 10pt; width: 32%"><IMG SRC="tm2524819d48_fwpimg006.jpg" ALT=""><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"></FONT></TD>
    <TD STYLE="padding-right: 5.4pt; font-size: 10pt; width: 68%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>= $19.000, however, because the Redemption Amount for the notes cannot exceed the hypothetical Capped Value, the Redemption Amount will be $11.175 per unit</B></FONT></TD></TR>
  </TABLE>

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


<!-- Field: Page; Sequence: 5; Value: 2 -->
    <DIV STYLE="margin-top: 12pt; margin-bottom: 6pt"><P STYLE="margin: 0pt"></P><TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse"><TR STYLE="vertical-align: top"><TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-top: green 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; width: 92%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt; color: rgb(91,134,43)">Accelerated Return Notes<SUP>&reg;</SUP></FONT></TD><TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-top: green 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right; width: 8%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt; color: rgb(91,134,43)">TS-<!-- Field: Sequence; Type: Arabic; Name: PageNo -->5<!-- Field: /Sequence --></FONT></TD></TR></TABLE><P STYLE="margin: 0pt"></P></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

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

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 81%; border-bottom: #5B862B 4.5pt solid; padding-right: 5.4pt; padding-left: 5.4pt; font-size: 10pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 16pt; color: rgb(91,134,43)">Accelerated
    Return Notes<SUP>&reg;</SUP></FONT> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 16pt; color: rgb(91,134,43)"><BR>
    </FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt; color: rgb(91,134,43)">Linked to the S&amp;P 500<SUP>&reg;
    </SUP>Index, due December&nbsp;&nbsp;&nbsp;, 2026</FONT></TD>
    <TD STYLE="width: 19%; border-bottom: #5B862B 4.5pt solid; padding-right: 5.4pt; padding-left: 5.4pt">
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right; color: #5b862b">&nbsp;</P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right; color: #5b862b">&nbsp;</P></TD></TR>
  </TABLE><P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="color: #5b862b; font: 20pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Risk Factors</P>

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

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><I>There are important differences between the notes and a conventional
debt security. An investment in the notes involves significant risks, including those listed below. You should carefully review the more
detailed explanation of risks relating to the notes in the &#8220;Risk Factors&#8221; sections beginning on page PS-6 of product supplement
EQUITY ARN-1, page S-1 of the prospectus supplement, and page 1 of the prospectus identified above. We also urge you to consult your investment,
legal, tax, accounting, and other advisors before you invest in the notes. </I></P>

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

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

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="padding-bottom: 9pt; width: 17.45pt"></TD><TD STYLE="padding-bottom: 9pt; width: 18pt"><FONT STYLE="font-family: Wingdings; font-size: 9pt; color: #5b862b">&sect;</FONT></TD><TD STYLE="padding-bottom: 9pt">Depending on the performance of the Index as measured shortly before the maturity date, you may lose up to 100% of the principal amount.</TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="padding-bottom: 9pt; width: 17.45pt"></TD><TD STYLE="padding-bottom: 9pt; width: 18pt"><FONT STYLE="font-family: Wingdings; font-size: 9pt; color: #5b862b">&sect;</FONT></TD><TD STYLE="padding-bottom: 9pt">Your investment return is limited to the return represented by the Capped Value and may be less than a comparable investment directly
in the stocks included in the Index.</TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="padding-bottom: 9pt; width: 17.45pt"></TD><TD STYLE="padding-bottom: 9pt; width: 18pt"><FONT STYLE="font-family: Wingdings; font-size: 9pt; color: #5b862b">&sect;</FONT></TD><TD STYLE="padding-bottom: 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.&#8239;</TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="padding-bottom: 9pt; width: 17.45pt"></TD><TD STYLE="padding-bottom: 9pt; width: 18pt"><FONT STYLE="font-family: Wingdings; font-size: 9pt; color: #5b862b">&sect;</FONT></TD><TD STYLE="padding-bottom: 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.</TD></TR></TABLE>

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

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="padding-bottom: 9pt; width: 0.25in"></TD><TD STYLE="padding-bottom: 9pt; width: 0.25in"><FONT STYLE="font-family: Wingdings; font-size: 9pt; color: #76923c">&sect;</FONT></TD><TD STYLE="padding-bottom: 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 &#8220;Structuring the Notes&#8221; on page TS-14, are included in the public offering price of the
notes.</TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="padding-bottom: 9pt; width: 0.25in"></TD><TD STYLE="padding-bottom: 9pt; width: 0.25in"><FONT STYLE="font-family: Wingdings; font-size: 9pt; color: #76923c">&sect;</FONT></TD><TD STYLE="padding-bottom: 9pt">Our initial estimated value does not represent future values of the notes and may differ from others&#8217; 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.</TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="padding-bottom: 9pt; width: 0.25in"></TD><TD STYLE="padding-bottom: 9pt; width: 0.25in"><FONT STYLE="font-family: Wingdings; font-size: 9pt; color: #76923c">&sect;</FONT></TD><TD STYLE="padding-bottom: 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.</TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="padding-bottom: 9pt; width: 0.25in"></TD><TD STYLE="padding-bottom: 9pt; width: 0.25in"><FONT STYLE="font-family: Wingdings; font-size: 9pt; color: #76923c">&sect;</FONT></TD><TD STYLE="padding-bottom: 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.</TD></TR></TABLE>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.5in"><B><U>Conflict-related Risks </U></B></P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="padding-bottom: 9pt; width: 0.25in"></TD><TD STYLE="padding-bottom: 9pt; width: 0.25in"><FONT STYLE="font-family: Wingdings; font-size: 9pt; color: #5b862b">&sect;</FONT></TD><TD STYLE="padding-bottom: 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&#8217; accounts, may affect the market value and return of the notes and may create conflicts of interest with you.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Wingdings; font-size: 9pt; color: #5b862b">&sect;</FONT></TD><TD>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.</TD></TR></TABLE>

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

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Wingdings; font-size: 9pt; color: #5b862b">&sect;</FONT></TD><TD>The Index sponsor may adjust the Index in a way that affects its level, and has no obligation to consider your interests.</TD></TR><TR STYLE="vertical-align: top">
<TD>&nbsp;</TD><TD>&nbsp;</TD><TD>&nbsp;</TD></TR>
                                                                                                                                                                                                                                                                                       </TABLE>


<!-- 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: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse"><TR STYLE="vertical-align: top"><TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-top: green 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; width: 92%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt; color: rgb(91,134,43)">Accelerated Return Notes<SUP>&reg;</SUP></FONT></TD><TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-top: green 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right; width: 8%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt; color: rgb(91,134,43)">TS-<!-- Field: Sequence; Type: Arabic; Name: PageNo -->6<!-- Field: /Sequence --></FONT></TD></TR></TABLE><P STYLE="margin: 0pt"></P></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

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

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 81%; border-bottom: #5B862B 4.5pt solid; padding-right: 5.4pt; padding-left: 5.4pt; font-size: 10pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 16pt; color: rgb(91,134,43)">Accelerated
    Return Notes<SUP>&reg;</SUP></FONT> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 16pt; color: rgb(91,134,43)"><BR>
    </FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt; color: rgb(91,134,43)">Linked to the S&amp;P 500<SUP>&reg;
    </SUP>Index, due December&nbsp;&nbsp;&nbsp;, 2026</FONT></TD>
    <TD STYLE="width: 19%; border-bottom: #5B862B 4.5pt solid; padding-right: 5.4pt; padding-left: 5.4pt">
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right; color: #5b862b">&nbsp;</P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right; color: #5b862b">&nbsp;</P></TD></TR>
  </TABLE><P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Wingdings; font-size: 9pt; color: #5b862b">&sect;</FONT></TD><TD>As a noteholder, you will have no rights of a holder of the securities represented by the Index, and you will not be entitled to receive
securities, dividends or other distributions by the issuers of those securities.</TD></TR></TABLE>
<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 17.45pt"></TD><TD STYLE="width: 18pt"><FONT STYLE="font-family: Wingdings; font-size: 9pt; color: #5b862b">&sect;</FONT></TD><TD>While we, MLPF&amp;S, BofAS or our respective affiliates may from time to time own securities of the companies included in the Index,
except to the extent that the common stock of Bank of America Corporation (the parent company of MLPF&amp;S and BofAS) is 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.</TD></TR></TABLE>

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

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

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 17.45pt"></TD><TD STYLE="width: 18pt"><FONT STYLE="font-family: Wingdings; font-size: 9pt; color: #5b862b">&sect;</FONT></TD><TD>The U.S. federal income tax consequences of the notes are uncertain, and may be adverse to a holder of the notes. See &#8220;Summary
of U.S. Federal Income Tax Consequences&#8221; below and &#8220;U.S. Federal Income Tax Summary&#8221; beginning on page PS-37 of product
supplement EQUITY ARN-1. For a discussion of the Canadian federal income tax consequences of investing in the notes, see &#8220;Material
Income Tax Consequences&#8212;Canadian Taxation&#8221; in the prospectus, as supplemented by the discussion under &#8220;Summary of Canadian
Federal Income Tax Considerations&#8221; herein.</TD></TR></TABLE>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 9pt Arial, Helvetica, Sans-Serif">&nbsp;</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: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse"><TR STYLE="vertical-align: top"><TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-top: green 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; width: 92%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt; color: rgb(91,134,43)">Accelerated Return Notes<SUP>&reg;</SUP></FONT></TD><TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-top: green 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right; width: 8%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt; color: rgb(91,134,43)">TS-<!-- Field: Sequence; Type: Arabic; Name: PageNo -->7<!-- Field: /Sequence --></FONT></TD></TR></TABLE><P STYLE="margin: 0pt"></P></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

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

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 81%; border-bottom: #5B862B 4.5pt solid; padding-right: 5.4pt; padding-left: 5.4pt; font-size: 10pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 16pt; color: rgb(91,134,43)">Accelerated
    Return Notes<SUP>&reg;</SUP></FONT> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 16pt; color: rgb(91,134,43)"><BR>
    </FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt; color: rgb(91,134,43)">Linked to the S&amp;P 500<SUP>&reg;
    </SUP>Index, due December&nbsp;&nbsp;&nbsp;, 2026</FONT></TD>
    <TD STYLE="width: 19%; border-bottom: #5B862B 4.5pt solid; padding-right: 5.4pt; padding-left: 5.4pt">
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right; color: #5b862b">&nbsp;</P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right; color: #5b862b">&nbsp;</P></TD></TR>
  </TABLE><P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="color: #5b862b; font: 20pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">The Index</P>

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

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">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, S&amp;P Dow Jones Indices LLC (the &#8220;Index sponsor&#8221; or &#8220;SPDJI&#8221;).
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
 &#8220;Description of ARNs&#8212;Discontinuance of an Index&#8221; </FONT>beginning on page PS-24 of product supplement EQUITY ARN-1.
None of us, the calculation agent, MLPF&amp;S or BofAS accepts any responsibility for the calculation, maintenance or publication of the
Index or any successor index.</P>

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

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

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

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">The Index consists of stocks of 500 companies selected to provide a performance
benchmark for the U.S. equity markets. The Index is one of the multiple indices published by SPDJI (the &#8220;the S&amp;P U.S. Indices&#8221;).
The Index is reported by Bloomberg L.P. under the ticker symbol &#8220;SPX.&#8221;</P>

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

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

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

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Securities must meet the following eligibility factors to be considered
eligible for inclusion in the S&amp;P U.S. Indices. Constituent selection is at the discretion of the SPDJI&#8217;s U.S. index committee
(the &#8220;Index Committee&#8221;) and is based on the eligibility criteria.</P>

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

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

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

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

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

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

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

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

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.75in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Wingdings; font-size: 9pt">&sect;</FONT></TD><TD>the U.S. portion of fixed assets and revenues constitutes a plurality of the total, but need not exceed 50%. When these factors are
in conflict, fixed assets determine plurality. Revenue determines plurality when there is incomplete asset information. Geographic information
for revenue and fixed asset allocations are determined by the company as reported in its annual filings. If this criteria is not met or
is ambiguous, SPDJI may still deem the company to be a U.S. company for index purposes if its primary listing, headquarters and incorporation
are all in the United States and/or &#8220;a domicile of convenience&#8221; (Bermuda, Channel Islands, Gibraltar, islands in the Caribbean,
Isle of Man, Luxembourg, Liberia or Panama); and</TD></TR></TABLE>

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

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

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

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">In situations where the only factor suggesting that a company is not
a U.S. company is its tax registration in a &#8220;domicile of convenience&#8221; or another location chosen for tax-related reasons,
SPDJI normally determines that the company is still a U.S. company. The final determination of domicile eligibility is made by the Index
Committee, which can consider other factors including, but not limited to, operational headquarters location, ownership information, location
of officers, directors and employees, investor perception and other factors deemed to be relevant.</P>

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

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

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

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

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 9pt">&middot;</FONT></TD><TD><I>Market Capitalization</I>. The unadjusted company market capitalization should be within a specified range. Such ranges are reviewed
quarterly and updated as needed to ensure they reflect current market conditions. For spin-offs, S&amp;P U.S. Index membership eligibility
is determined using when-issued prices, if available.</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 9pt">&middot;</FONT></TD><TD><I>Liquidity</I>. Using composite pricing and volume, the ratio of annual dollar value traded (defined as average closing price over
the period multiplied by historical volume over the last 365 calendar days) to float-adjusted market capitalization should be at</TD></TR></TABLE>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 9pt Arial, Helvetica, Sans-Serif">&nbsp;</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: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse"><TR STYLE="vertical-align: top"><TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-top: green 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; width: 92%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt; color: rgb(91,134,43)">Accelerated Return Notes<SUP>&reg;</SUP></FONT></TD><TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-top: green 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right; width: 8%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt; color: rgb(91,134,43)">TS-<!-- Field: Sequence; Type: Arabic; Name: PageNo -->8<!-- Field: /Sequence --></FONT></TD></TR></TABLE><P STYLE="margin: 0pt"></P></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

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

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 81%; border-bottom: #5B862B 4.5pt solid; padding-right: 5.4pt; padding-left: 5.4pt; font-size: 10pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 16pt; color: rgb(91,134,43)">Accelerated
    Return Notes<SUP>&reg;</SUP></FONT> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 16pt; color: rgb(91,134,43)"><BR>
    </FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt; color: rgb(91,134,43)">Linked to the S&amp;P 500<SUP>&reg;
    </SUP>Index, due December&nbsp;&nbsp;&nbsp;, 2026</FONT></TD>
    <TD STYLE="width: 19%; border-bottom: #5B862B 4.5pt solid; padding-right: 5.4pt; padding-left: 5.4pt">
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right; color: #5b862b">&nbsp;</P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right; color: #5b862b">&nbsp;</P></TD></TR>
  </TABLE><P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in">&nbsp;</P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in">least 0.10, and the stock should trade a minimum of 250,000
shares in each of the six months leading up to the evaluation date.</P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 9pt">&middot;</FONT></TD><TD><I>IWF</I>. The IWF for each company represents the portion of the total shares outstanding that are considered part of the public
float for purposes of the S&amp;P U.S. Indices. An IWF of at least 0.10 is required.</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 9pt">&middot;</FONT></TD><TD><I>Financial Viability. </I>The sum of the most recent four consecutive quarters&#8217; Generally Accepted Accounting Principles (GAAP)
earnings (net income excluding discontinued operations) should be positive as should the most recent quarter. For REITs, financial viability
is based on GAAP earnings and/or Funds From Operations (FFO), if reported.</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 9pt">&middot;</FONT></TD><TD><I>Treatment of IPOs. </I>Initial public offerings should be traded on an eligible exchange for at least 12 months before being considered
for addition to an S&amp;P U.S. Index. Spin-offs or in-specie distributions from existing constituents do not need to be seasoned for
12 months prior to their inclusion in an S&amp;P U.S. Index.</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 9pt">&middot;</FONT></TD><TD><I>Sector Balance. </I>A company is evaluated for its contribution to sector balance maintenance, as measured by a comparison of each
GICS<SUP>&reg;</SUP> sector&#8217;s weight in an index with its weight in the S&amp;P U.S. Total Market Index, in the relevant market
capitalization range. The S&amp;P Total Market Index is a float-adjusted, market-capitalization weighted index designed to track the broad
U.S. equity market, including large-, mid-, small- and micro-cap stocks.</TD></TR></TABLE>

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

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

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

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

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

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">The S&amp;P U.S. Indices are float-adjusted market capitalization-weighted
indices. On any given day, the index value of each S&amp;P U.S. Index is the total float-adjusted market capitalization of that S&amp;P
U.S. Index&#8217;s constituents divided by its divisor. The float-adjusted market capitalization reflects the price of each stock in the
relevant S&amp;P U.S. Index multiplied by the number of shares used in the index value calculation.</P>

<P STYLE="font: 9pt 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; font-size: 9pt"><I>Float
Adjustment.</I></FONT> Float adjustment means that the number of shares outstanding is reduced to exclude closely held shares from the
calculation of the index value because such shares are not available to investors. The goal of float adjustment is to distinguish between
strategic (control) shareholders, whose holdings depend on concerns such as maintaining control rather than shorter term economic fortunes
of the company, and those holders whose investments depend on the stock&#8217;s price and their evaluation of a company&#8217;s future
prospects. Generally, these &#8220;control holders&#8221; include officers and directors, private equity, venture capital &amp; special
equity firms, asset managers and insurance companies with board of director representation, other publicly traded companies that hold
shares for control, holders of restricted shares, company-sponsored employee share plans/trusts, defined contribution plans/savings and
investment plans, foundations or family trusts associated with the company, holders of unlisted share classes of stock or government entities
at all levels (other than government retirement/pension funds), sovereign wealth funds and any individual person who controls a 5% or
greater stake in a company as reported in regulatory filings. Shares that are not considered outstanding are also not included in the
available float. These generally include treasury stock, stock options, equity participation units, warrants, preferred stock, convertible
stock and rights.</P>

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

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

<P STYLE="font: 9pt 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; font-size: 9pt"><I>Divisor</I></FONT>.
Continuity in the value of each S&amp;P U.S. Index is maintained by adjusting its divisor for all changes in its constituents&#8217; share
capital after its base date. This includes additions and deletions to the relevant S&amp;P U.S. Index, rights issues, share buybacks and
issuances and non-zero price spin-offs. The value of each S&amp;P U.S. Index&#8217;s divisor over time is, in effect, a chronological
summary of all changes affecting the base capital of that S&amp;P U.S. Index. The divisor of each S&amp;P U.S. Index is adjusted such
that the index value of that S&amp;P U.S. Index at an instant just prior to a change in base capital equals the index value of that S&amp;P
U.S. Index at an instant immediately following that change.</P>

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

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

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

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

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

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

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

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

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 9pt">&middot;</FONT></TD><TD>A company involved in a merger, acquisition or significant restructuring such that it no longer meets the eligibility criteria is
deleted from the S&amp;P U.S. Indices at a time announced by SPDJI, normally at the close of the last day of trading or expiration</TD></TR></TABLE>

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


<!-- Field: Page; Sequence: 9; Value: 2 -->
    <DIV STYLE="margin-top: 12pt; margin-bottom: 6pt"><P STYLE="margin: 0pt"></P><TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse"><TR STYLE="vertical-align: top"><TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-top: green 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; width: 92%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt; color: rgb(91,134,43)">Accelerated Return Notes<SUP>&reg;</SUP></FONT></TD><TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-top: green 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right; width: 8%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt; color: rgb(91,134,43)">TS-<!-- Field: Sequence; Type: Arabic; Name: PageNo -->9<!-- Field: /Sequence --></FONT></TD></TR></TABLE><P STYLE="margin: 0pt"></P></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

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

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 81%; border-bottom: #5B862B 4.5pt solid; padding-right: 5.4pt; padding-left: 5.4pt; font-size: 10pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 16pt; color: rgb(91,134,43)">Accelerated
    Return Notes<SUP>&reg;</SUP></FONT> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 16pt; color: rgb(91,134,43)"><BR>
    </FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt; color: rgb(91,134,43)">Linked to the S&amp;P 500<SUP>&reg;
    </SUP>Index, due December&nbsp;&nbsp;&nbsp;, 2026</FONT></TD>
    <TD STYLE="width: 19%; border-bottom: #5B862B 4.5pt solid; padding-right: 5.4pt; padding-left: 5.4pt">
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right; color: #5b862b">&nbsp;</P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right; color: #5b862b">&nbsp;</P></TD></TR>
  </TABLE><P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in">&nbsp;</P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in">of a tender offer. Constituents that are halted from trading
may be kept in the index until trading resumes, at the discretion of the Index Committee. If a stock is moved to the pink sheets or the
bulletin board, the stock is removed.</P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 9pt">&middot;</FONT></TD><TD>A company that substantially violates one or more of the eligibility criteria may be deleted at the Index Committee&#8217;s discretion.</TD></TR></TABLE>

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

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

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

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

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

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><I>IWF
Updates</I></FONT>. Accelerated implementation for events less than $1 billion will include an adjustment to the company&#8217;s IWF only
to the extent that such an IWF change helps the new float share total mimic the shares available in the offering. To minimize unnecessary
turnover, these IWF changes do not need to meet any minimum threshold requirement for implementation. Any IWF change resulting in an IWF
of 0.96 or greater is rounded up to 1.00 at the next annual IWF review.</P>

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

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

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

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

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

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

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

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

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

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

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

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">In
general, companies that are the target of a cash M&amp;A event that is expected to close by quarter end according to publicly available
guidance may have their</FONT> share count frozen at their current level for rebalancing purposes.</P>

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

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><I>Corporate
Actions</I></FONT>. As specified in &#8220;&#8212;Calculation of the S&amp;P U.S. Indices&#8212;Divisor&#8221; above, the divisor will
be adjusted for certain corporation actions. Corporate actions (such as stock splits, stock dividends, non-zero price spin-offs and rights
offerings) are applied after the close of trading on the day prior to the ex-date.</P>

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

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><I>Other
Adjustments</I></FONT>. In cases where there is no achievable market price for a stock being deleted, it can be removed at a zero or minimal
price at the Index Committee&#8217;s discretion, in recognition of the constraints faced by investors in trading bankrupt or suspended
stocks.</P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</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: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse"><TR STYLE="vertical-align: top"><TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-top: green 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; width: 92%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt; color: rgb(91,134,43)">Accelerated Return Notes<SUP>&reg;</SUP></FONT></TD><TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-top: green 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right; width: 8%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt; color: rgb(91,134,43)">TS-<!-- Field: Sequence; Type: Arabic; Name: PageNo -->10<!-- Field: /Sequence --></FONT></TD></TR></TABLE><P STYLE="margin: 0pt"></P></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

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

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 81%; border-bottom: #5B862B 4.5pt solid; padding-right: 5.4pt; padding-left: 5.4pt; font-size: 10pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 16pt; color: rgb(91,134,43)">Accelerated
    Return Notes<SUP>&reg;</SUP></FONT> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 16pt; color: rgb(91,134,43)"><BR>
    </FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt; color: rgb(91,134,43)">Linked to the S&amp;P 500<SUP>&reg;
    </SUP>Index, due December&nbsp;&nbsp;&nbsp;, 2026</FONT></TD>
    <TD STYLE="width: 19%; border-bottom: #5B862B 4.5pt solid; padding-right: 5.4pt; padding-left: 5.4pt">
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right; color: #5b862b">&nbsp;</P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right; color: #5b862b">&nbsp;</P></TD></TR>
  </TABLE><P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B><I>The
following graph shows the daily historical performance of the Index in the period from January 1, 2015 through </I></B></FONT><B><I><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 7.5pt">October
3, 2025</FONT>. 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 October 3, 2025, the closing level of the Index was 6,715.79.</I></B></P>

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

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

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

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><IMG SRC="tm2524819d48_fwpimg007.jpg" ALT="">&nbsp;</P>

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

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

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

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

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

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

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

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">CIBC has entered into a nonexclusive license agreement providing for
the license to the Index, in exchange for a fee, of the right to use indices owned and published by SPDJI in connection with some products,
including the notes.</P>

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

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">The Index is a product of SPDJI<B>,</B> and has been licensed for use
by us. Standard &amp; Poor&#8217;s<SUP>&reg;</SUP>, S&amp;P<SUP>&reg;</SUP> and S&amp;P 500<SUP>&reg;</SUP> are registered trademarks
of Standard &amp; Poor&#8217;s Financial Services LLC; and these trademarks have been licensed for use by SPDJI and sublicensed for certain
purposes by us.</P>

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

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">The notes are not sponsored, endorsed, sold or promoted by SPDJI, Standard
 &amp; Poor&#8217;s Financial Services LLC or any of their respective affiliates (collectively, &#8220;S&amp;P Dow Jones Indices&#8221;).
S&amp;P Dow Jones Indices make no representation or warranty, express or implied, to the holders 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
market performance. S&amp;P Dow Jones Indices&#8217; only relationship to us with respect to the Index is the licensing of the Index and
certain trademarks, service marks and/or trade names of S&amp;P Dow Jones Indices or its licensors. The Index is determined, composed
and calculated by S&amp;P Dow Jones Indices without regard to us or the notes<B>.</B> S&amp;P Dow Jones Indices have no obligation to
take our needs or the needs of holders of the notes into consideration in determining, composing or calculating the Index. S&amp;P Dow
Jones Indices are not responsible for and have not participated in the determination of the prices, and amount of the notes or the timing
of the issuance or sale of the notes or in the determination or calculation of the equation by which the notes are to be converted into
cash. S&amp;P Dow Jones Indices have no obligation or liability in connection with the administration, marketing or trading of the notes<B>.
</B>There is no assurance that investment products based on the Index will accurately track index performance or provide positive investment
returns. SPDJI is not an investment advisor. Inclusion of a security within the Index is not a recommendation by S&amp;P Dow Jones Indices
to buy, sell, or hold such security, nor is it considered to be investment advice.</P>

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

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">S&amp;P DOW JONES INDICES DO NOT GUARANTEE THE ADEQUACY, ACCURACY, TIMELINESS
AND/OR THE COMPLETENESS OF THE INDEX OR ANY DATA RELATED THERETO OR ANY COMMUNICATION, INCLUDING BUT NOT LIMITED TO, ORAL OR WRITTEN COMMUNICATION
(INCLUDING ELECTRONIC COMMUNICATIONS) WITH RESPECT THERETO. S&amp;P DOW JONES</P>

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


<!-- Field: Page; Sequence: 11; Value: 2 -->
    <DIV STYLE="margin-top: 12pt; margin-bottom: 6pt"><P STYLE="margin: 0pt"></P><TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse"><TR STYLE="vertical-align: top"><TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-top: green 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; width: 92%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt; color: rgb(91,134,43)">Accelerated Return Notes<SUP>&reg;</SUP></FONT></TD><TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-top: green 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right; width: 8%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt; color: rgb(91,134,43)">TS-<!-- Field: Sequence; Type: Arabic; Name: PageNo -->11<!-- Field: /Sequence --></FONT></TD></TR></TABLE><P STYLE="margin: 0pt"></P></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

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

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 81%; border-bottom: #5B862B 4.5pt solid; padding-right: 5.4pt; padding-left: 5.4pt; font-size: 10pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 16pt; color: rgb(91,134,43)">Accelerated
    Return Notes<SUP>&reg;</SUP></FONT> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 16pt; color: rgb(91,134,43)"><BR>
    </FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt; color: rgb(91,134,43)">Linked to the S&amp;P 500<SUP>&reg;
    </SUP>Index, due December&nbsp;&nbsp;&nbsp;, 2026</FONT></TD>
    <TD STYLE="width: 19%; border-bottom: #5B862B 4.5pt solid; padding-right: 5.4pt; padding-left: 5.4pt">
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right; color: #5b862b">&nbsp;</P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right; color: #5b862b">&nbsp;</P></TD></TR>
  </TABLE><P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">INDICES SHALL NOT BE SUBJECT TO ANY DAMAGES OR LIABILITY FOR ANY ERRORS,
OMISSIONS, OR DELAYS THEREIN. S&amp;P DOW JONES INDICES MAKE NO EXPRESS OR IMPLIED WARRANTIES, AND EXPRESSLY DISCLAIMS ALL WARRANTIES,
OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE OR USE OR AS TO RESULTS TO BE OBTAINED BY US<B>, </B></P>

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

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">HOLDERS OF THE NOTES<B>,</B> OR ANY OTHER PERSON OR ENTITY FROM THE USE
OF THE INDEX OR WITH RESPECT TO ANY DATA RELATED THERETO. WITHOUT LIMITING ANY OF THE FOREGOING, IN NO EVENT WHATSOEVER SHALL S&amp;P
DOW JONES INDICES BE LIABLE FOR ANY INDIRECT, SPECIAL, INCIDENTAL, PUNITIVE, OR CONSEQUENTIAL DAMAGES INCLUDING BUT NOT LIMITED TO, LOSS
OF PROFITS, TRADING LOSSES, LOST TIME OR GOODWILL, EVEN IF THEY HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, WHETHER IN CONTRACT,
TORT, STRICT LIABILITY, OR OTHERWISE. THERE ARE NO THIRD PARTY BENEFICIARIES OF ANY AGREEMENTS OR ARRANGEMENTS BETWEEN S&amp;P DOW JONES
INDICES AND US, OTHER THAN THE LICENSORS OF S&amp;P DOW JONES INDICES.</P>

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


<!-- Field: Page; Sequence: 12; Value: 2 -->
    <DIV STYLE="margin-top: 12pt; margin-bottom: 6pt"><P STYLE="margin: 0pt"></P><TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse"><TR STYLE="vertical-align: top"><TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-top: green 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; width: 92%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt; color: rgb(91,134,43)">Accelerated Return Notes<SUP>&reg;</SUP></FONT></TD><TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-top: green 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right; width: 8%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt; color: rgb(91,134,43)">TS-<!-- Field: Sequence; Type: Arabic; Name: PageNo -->12<!-- Field: /Sequence --></FONT></TD></TR></TABLE><P STYLE="margin: 0pt"></P></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

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

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 81%; border-bottom: #5B862B 4.5pt solid; padding-right: 5.4pt; padding-left: 5.4pt; font-size: 10pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 16pt; color: rgb(91,134,43)">Accelerated
    Return Notes<SUP>&reg;</SUP></FONT> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 16pt; color: rgb(91,134,43)"><BR>
    </FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt; color: rgb(91,134,43)">Linked to the S&amp;P 500<SUP>&reg;
    </SUP>Index, due December&nbsp;&nbsp;&nbsp;, 2026</FONT></TD>
    <TD STYLE="width: 19%; border-bottom: #5B862B 4.5pt solid; padding-right: 5.4pt; padding-left: 5.4pt">
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right; color: #5b862b">&nbsp;</P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right; color: #5b862b">&nbsp;</P></TD></TR>
  </TABLE><P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 20pt Arial, Helvetica, Sans-Serif; color: #5b862b; margin: 0pt 0">Supplement to the Plan of Distribution</P>

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

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

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

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

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

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

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

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">The notes will not be listed on any securities exchange. In the original
offering of the notes, the notes will be sold in minimum investment amounts of 100 units. If you place an order to purchase the notes,
you are consenting to MLPF&amp;S and/or one of its affiliates acting as a principal in effecting the transaction for your account.</P>

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

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">MLPF&amp;S and BofAS may repurchase and resell the notes, with repurchases
and resales being made at prices related to then-prevailing market prices or at negotiated prices, and these prices will include MLPF&amp;S&#8217;s
and BofAS&#8217;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.</P>

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

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">The value of the notes shown on your account statement will be based
on BofAS&#8217;s estimate of the value of the notes if BofAS or another of its affiliates were to make a market in the notes, which it
is not obligated to do. That estimate will be based upon the price that BofAS may pay for the notes in light of then-prevailing market
conditions, and other considerations, as mentioned above, and will include transaction costs. At certain times, this price may be higher
than or lower than the initial estimated value of the notes.</P>

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

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

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

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">An investor&#8217;s household, as referenced on the cover of this term
sheet, will generally include accounts held by any of the following, as determined by MLPF&amp;S in its discretion and acting in good
faith based upon information then available to MLPF&amp;S:</P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="padding-bottom: 9pt; width: 18pt"></TD><TD STYLE="padding-bottom: 9pt; width: 22.5pt">&#8226;</TD><TD STYLE="padding-bottom: 9pt">the investor&#8217;s spouse (including a domestic partner), siblings, parents, grandparents, spouse&#8217;s parents, children and
grandchildren, but excluding accounts held by aunts, uncles, cousins, nieces, nephews or any other family relationship not directly above
or below the individual investor;</TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="padding-bottom: 9pt; width: 18pt"></TD><TD STYLE="padding-bottom: 9pt; width: 22.5pt">&#8226;</TD><TD STYLE="padding-bottom: 9pt">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&#8217;s household as described above; and</TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="padding-bottom: 9pt; width: 18pt"></TD><TD STYLE="padding-bottom: 9pt; width: 22.5pt">&#8226;</TD><TD STYLE="padding-bottom: 9pt">a trust where the grantors and/or beneficiaries of the trust consist solely of the investor or members of the investor&#8217;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&#8217;s personal account.</TD></TR></TABLE>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Purchases in retirement accounts will not be considered part of the same
household as an individual investor&#8217;s personal or other non-retirement account, except for individual retirement accounts (&#8220;IRAs&#8221;),
simplified employee pension plans (&#8220;SEPs&#8221;), savings incentive match plan for employees (&#8220;SIMPLEs&#8221;), and single-participant
or owners only accounts (i.e., retirement accounts held by self-employed individuals, business owners or partners with no employees other
than their spouses).</P>

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

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

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


<!-- Field: Page; Sequence: 13; Value: 2 -->
    <DIV STYLE="margin-top: 12pt; margin-bottom: 6pt"><P STYLE="margin: 0pt"></P><TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse"><TR STYLE="vertical-align: top"><TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-top: green 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; width: 92%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt; color: rgb(91,134,43)">Accelerated Return Notes<SUP>&reg;</SUP></FONT></TD><TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-top: green 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right; width: 8%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt; color: rgb(91,134,43)">TS-<!-- Field: Sequence; Type: Arabic; Name: PageNo -->13<!-- Field: /Sequence --></FONT></TD></TR></TABLE><P STYLE="margin: 0pt"></P></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

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

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 81%; border-bottom: #5B862B 4.5pt solid; padding-right: 5.4pt; padding-left: 5.4pt; font-size: 10pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 16pt; color: rgb(91,134,43)">Accelerated
    Return Notes<SUP>&reg;</SUP></FONT> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 16pt; color: rgb(91,134,43)"><BR>
    </FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt; color: rgb(91,134,43)">Linked to the S&amp;P 500<SUP>&reg;
    </SUP>Index, due December&nbsp;&nbsp;&nbsp;, 2026</FONT></TD>
    <TD STYLE="width: 19%; border-bottom: #5B862B 4.5pt solid; padding-right: 5.4pt; padding-left: 5.4pt">
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right; color: #5b862b">&nbsp;</P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right; color: #5b862b">&nbsp;</P></TD></TR>
  </TABLE><P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="color: #5b862b; font: 20pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Structuring the Notes</P>

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

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

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

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">At maturity, we are required to pay the Redemption Amount to holders
of the notes, which will be calculated based on the performance of the 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.</P>

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

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

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

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">For further information, see &#8220;Risk Factors&#8212;Valuation- and
Market-related Risks&#8221; beginning on page PS-7 of product supplement EQUITY ARN-1 and &#8220;Use of Proceeds&#8221; on page S-14 of
prospectus supplement.</P>

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


<!-- Field: Page; Sequence: 14; Value: 2 -->
    <DIV STYLE="margin-top: 12pt; margin-bottom: 6pt"><P STYLE="margin: 0pt"></P><TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse"><TR STYLE="vertical-align: top"><TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-top: green 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; width: 92%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt; color: rgb(91,134,43)">Accelerated Return Notes<SUP>&reg;</SUP></FONT></TD><TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-top: green 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right; width: 8%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt; color: rgb(91,134,43)">TS-<!-- Field: Sequence; Type: Arabic; Name: PageNo -->14<!-- Field: /Sequence --></FONT></TD></TR></TABLE><P STYLE="margin: 0pt"></P></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

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

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 81%; border-bottom: #5B862B 4.5pt solid; padding-right: 5.4pt; padding-left: 5.4pt; font-size: 10pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 16pt; color: rgb(91,134,43)">Accelerated
    Return Notes<SUP>&reg;</SUP></FONT> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 16pt; color: rgb(91,134,43)"><BR>
    </FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt; color: rgb(91,134,43)">Linked to the S&amp;P 500<SUP>&reg;
    </SUP>Index, due December&nbsp;&nbsp;&nbsp;, 2026</FONT></TD>
    <TD STYLE="width: 19%; border-bottom: #5B862B 4.5pt solid; padding-right: 5.4pt; padding-left: 5.4pt">
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right; color: #5b862b">&nbsp;</P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right; color: #5b862b">&nbsp;</P></TD></TR>
  </TABLE><P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 20pt Arial, Helvetica, Sans-Serif; color: #5b862b; margin: 0pt 0">Summary of Canadian Federal Income Tax Considerations</P>

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

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">In the opinion of Blake, Cassels &amp; Graydon LLP, our Canadian tax
counsel, the following summary describes the principal Canadian federal income tax considerations under the <I>Income Tax Act</I> (Canada)
and the regulations thereto (the &#8220;Canadian Tax Act&#8221;) generally applicable at the date hereof to a purchaser who acquires beneficial
ownership of a note pursuant to this term sheet and who for the purposes of the Canadian Tax Act and at all relevant times: (a) is neither
resident nor deemed to be resident in Canada; (b) deals at arm&#8217;s length with CIBC and any transferee resident (or deemed to be resident)
in Canada to whom the purchaser disposes of the note; (c) does not use or hold and is not deemed to use or hold the note in, or in the
course of, carrying on a business in Canada; (d) is entitled to receive all payments (including any interest and principal) made on the
note; (e) is not a, and deals at arm&#8217;s length with any, &#8220;specified shareholder&#8221; of CIBC for purposes of the thin capitalization
rules in the Canadian Tax Act; and (f) is not an entity in respect of which CIBC or any transferee resident (or deemed to be resident)
in Canada to whom the purchaser disposes of, loans or otherwise transfers the note is a &#8220;specified entity&#8221;, and is not a &#8220;specified
entity&#8221; in respect of such a transferee, in each case, for purposes of the Hybrid Mismatch Rules, as defined below (a &#8220;Non-Resident
Holder&#8221;). Special rules which apply to non-resident insurers carrying on business in Canada and elsewhere are not discussed in this
summary.</P>

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

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">This summary assumes that no amount paid or payable to a holder described
herein will be the deduction component of a &#8220;hybrid mismatch arrangement&#8221; under which the payment arises within the meaning
of the rules in the Canadian Tax Act with respect to &#8220;hybrid mismatch arrangements&#8221; (the &#8220;Hybrid Mismatch Rules&#8221;).
Investors should note that the Hybrid Mismatch Rules are highly complex and there remains significant uncertainty as to their interpretation
and application.</P>

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

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">This summary is supplemental to and should be read together with the
description of material Canadian federal income tax considerations relevant to a Non-Resident Holder owning notes under &#8220;Material
Income Tax Consequences&#8212;Canadian Taxation&#8221; in the accompanying prospectus and a Non-Resident Holder should carefully read
that description as well.</P>

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

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

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

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Based on Canadian tax counsel&#8217;s understanding of the Canada Revenue
Agency&#8217;s administrative policies and having regard to the terms of the notes, interest payable on the notes should not be considered
to be &#8220;participating debt interest&#8221; as defined in the Canadian Tax Act and accordingly, a Non-Resident Holder should not be
subject to Canadian non-resident withholding tax in respect of amounts paid or credited or deemed to have been paid or credited by CIBC
on a note as, on account of or in lieu of payment of, or in satisfaction of, interest.</P>

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

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Non-Resident Holders should consult their own advisors regarding the
consequences to them of a disposition of the notes to a person with whom they are not dealing at arm&#8217;s length for purposes of the
Canadian Tax Act.</P>

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


<!-- Field: Page; Sequence: 15; Value: 2 -->
    <DIV STYLE="margin-top: 12pt; margin-bottom: 6pt"><P STYLE="margin: 0pt"></P><TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse"><TR STYLE="vertical-align: top"><TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-top: green 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; width: 92%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt; color: rgb(91,134,43)">Accelerated Return Notes<SUP>&reg;</SUP></FONT></TD><TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-top: green 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right; width: 8%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt; color: rgb(91,134,43)">TS-<!-- Field: Sequence; Type: Arabic; Name: PageNo -->15<!-- Field: /Sequence --></FONT></TD></TR></TABLE><P STYLE="margin: 0pt"></P></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 81%; border-bottom: #5B862B 4.5pt solid; padding-right: 5.4pt; padding-left: 5.4pt; font-size: 10pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 16pt; color: rgb(91,134,43)">Accelerated
    Return Notes<SUP>&reg;</SUP></FONT> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 16pt; color: rgb(91,134,43)"><BR>
    </FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt; color: rgb(91,134,43)">Linked to the S&amp;P 500<SUP>&reg;
    </SUP>Index, due December&nbsp;&nbsp;&nbsp;, 2026</FONT></TD>
    <TD STYLE="width: 19%; border-bottom: #5B862B 4.5pt solid; padding-right: 5.4pt; padding-left: 5.4pt">
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right; color: #5b862b">&nbsp;</P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right; color: #5b862b">&nbsp;</P></TD></TR>
  </TABLE>
<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 20pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5b862b">Summary of U.S. Federal Income Tax Consequences</P>

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

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">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 &#8220;U.S. Federal Income Tax Summary&#8221; in product supplement EQUITY ARN-1,
which you should carefully review prior to investing in the notes.</P>

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

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">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 &#8220;U.S. Federal Income Tax Summary&#8212;Non-U.S. Holders&#8221; in product supplement
EQUITY ARN-1.</P>

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

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">The expected characterization of the notes is not binding on the U.S.
Internal Revenue Service (the &#8220;IRS&#8221;) 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 &#8220;U.S. Federal Income Tax Summary&#8221; of the product supplement. We are not responsible for any adverse consequences that you
may experience as a result of any alternative characterization of the notes for U.S. federal income tax or other tax purposes.</P>

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

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">With respect to the discussion in the product supplement regarding &#8220;dividend
equivalent&#8221; payments, the IRS has issued a notice that provides that withholding on dividend equivalent payments will not apply
to specified ELIs that are not delta-one instruments and that are issued before January 1, 2027.</P>

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

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

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

<P STYLE="font: 20pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5b862b">Where You Can Find More Information</P>

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

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

<P STYLE="font: 9pt 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">&#8220;</FONT>Accelerated
Return Notes<SUP>&reg;</SUP>&#8221; and &#8220;ARNs<SUP>&reg;</SUP>&#8221; are registered service marks of Bank of America Corporation,
the parent company of MLPF&amp;S and BofAS.</P>

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

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

<!-- Field: Page; Sequence: 16; Options: Last -->
    <DIV STYLE="margin-top: 12pt; margin-bottom: 6pt"><P STYLE="margin: 0pt"></P><TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse"><TR STYLE="vertical-align: top"><TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-top: green 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; width: 92%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt; color: rgb(91,134,43)">Accelerated Return Notes<SUP>&reg;</SUP></FONT></TD><TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; border-top: green 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right; width: 8%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt; color: rgb(91,134,43)">TS-<!-- Field: Sequence; Type: Arabic; Name: PageNo -->16<!-- Field: /Sequence --></FONT></TD></TR></TABLE><P STYLE="margin: 0pt"></P></DIV>
    <!-- Field: /Page -->

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


</BODY>
</HTML>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>2
<FILENAME>tm2524819d48_fwpimg001.jpg
<DESCRIPTION>GRAPHIC
<TEXT>
begin 644 tm2524819d48_fwpimg001.jpg
M_]C_X  02D9)1@ ! 0$ 8 !@  #_VP!#  @&!@<&!0@'!P<)"0@*#!0-# L+
M#!D2$P\4'1H?'AT:'!P@)"XG("(L(QP<*#<I+# Q-#0T'R<Y/3@R/"XS-#+_
MVP!# 0@)"0P+#!@-#1@R(1PA,C(R,C(R,C(R,C(R,C(R,C(R,C(R,C(R,C(R
M,C(R,C(R,C(R,C(R,C(R,C(R,C(R,C+_P  1"  O +(# 2(  A$! Q$!_\0
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M1_[7YU$@G3H,CT)J3S)_^>:_G7GK"XBF[4Y:>I]*\]RC%)2Q,?>7=7_%,2:
M!,H.1UJK4[B=^HX] :9Y,G]W]:]'#QJ0A:H[L^8S/%X*M6Y\,N5?)?AT(Z*D
M\F3^[^M'DR?W?UK+$T>=<T=SIRK-*=!^RJR7*_P?_!&*"S!1U-7T0(H J&%/
M+Y*$M^'%2[S_ '&_2O.J4\1**A9V1]1AL=E-*HZ[JQYWY_\  ^\)'$:$]^U4
M68LQ)ZFII5ED;.WCL,TSR9/[OZUZ.$P_LHW>[/F,ZS>&-K<L)>Y';S\_\O(C
1HJ3R9/[OZT5VGA>UAW1__]D!

end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>3
<FILENAME>tm2524819d48_fwpimg002.jpg
<DESCRIPTION>GRAPHIC
<TEXT>
begin 644 tm2524819d48_fwpimg002.jpg
M_]C_X  02D9)1@ ! 0$ 8 !@  #_VP!#  @&!@<&!0@'!P<)"0@*#!0-# L+
M#!D2$P\4'1H?'AT:'!P@)"XG("(L(QP<*#<I+# Q-#0T'R<Y/3@R/"XS-#+_
MVP!# 0@)"0P+#!@-#1@R(1PA,C(R,C(R,C(R,C(R,C(R,C(R,C(R,C(R,C(R
M,C(R,C(R,C(R,C(R,C(R,C(R,C(R,C+_P  1" #0 :,# 2(  A$! Q$!_\0
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MT<T>C#59!Y[X@!YV/QR3@XZ=#6]HG@O3=+\.2Z3<)'=F[=I;Z4IL^TR,<LQ
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M]IG_ $#]>_\ !-<__&ZZG ]*,>U '+?\)]IG_0/U[_P37/\ \;H_X3[2\?\
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MXQO+">T6Z2W82NOGQF)[>2!-CL[8<X8#9]X''6@!\C>%I3&SZ7JI\LY&--O
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MSGO-)G@,XD+R;DVI@C' 8GG)Q_NG-=)0,6BBB@ HHHH **** "BBB@ HHHH
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M/]4W^Z?Y4ZFR?ZIO]T_RH TK;_CUA_W%_E4M16W_ !ZP_P"XO\JES0 4444
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M,$EN<<$_WD[E>^VM34]#N;O4-0DBBC'VK2WMS+QAI2> >^,8_"NGI, 4K:6
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MX.2#QDU<O=3\0:GI":BOB(:9;V]G937 %HK L[?.Y)P5 QG'IFA ]#M/[&U
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MBB@!:*3(SC(SZ4BNK+N5@1Z@YH 4TM)D9(!&1UYHH JWMDMVBE7:*:,[HI5
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MXY4<9YSBNQDL[66>*>2WB>6+_5NR LGT/:G3VT%TBK/#'*JL& D4-@CH>>]
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M.&!+MCH,C.36A>>!KF6QUP0&U%W?F.UAF=V)BM%C2,KG;D,0'S_O=:[S'-%
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%BB@#_]D!

end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>4
<FILENAME>tm2524819d48_fwpimg003.jpg
<DESCRIPTION>GRAPHIC
<TEXT>
begin 644 tm2524819d48_fwpimg003.jpg
M_]C_X  02D9)1@ ! 0$ 8 !@  #_VP!#  @&!@<&!0@'!P<)"0@*#!0-# L+
M#!D2$P\4'1H?'AT:'!P@)"XG("(L(QP<*#<I+# Q-#0T'R<Y/3@R/"XS-#+_
MVP!# 0@)"0P+#!@-#1@R(1PA,C(R,C(R,C(R,C(R,C(R,C(R,C(R,C(R,C(R
M,C(R,C(R,C(R,C(R,C(R,C(R,C(R,C+_P  1" $2 2 # 2(  A$! Q$!_\0
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M2?W)O^_+?X5/10!!]J3^Y-_WY;_"C[4G]R;_ +\M_A4]% $'VI/[DW_?EO\
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M03D>A]* -""XBN;2.YA;?%*@D1@.JD9%5M&.=)@.",@\'ZFKB1I%&L<:A44
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MM*0R"/>I7CY0"=OY9JY'K<^DR/#J<\_EQS.ZJN'D""+?L9NA("NYP>FT=\4
M=9:V_P!GL8;9Y&E\N-8R[]7P,9/UJOHP"Z3     < ?4U9@N([JTBN83OBE0
M2(0.H(R*K:,=VDP'!&0>#]30!?HHHH **** "BBB@ HHHH **** "BBB@ HH
MHH **** "BBB@ HHJM=7)B_=P*LMP1E8RVW\2<' X/- !<70C;RHE\V<C(C!
M^O)/8<'DTZWMO)+.SM)*^"S$\<#' [#V]S2V\/E*26+.QRS$YR<=O0>PJ:@
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M)@.",@]1SU-7(XTAB2*) D: *JJ,  = *J:/_P @J'\?_0C0!>HHHH ****
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M72K;6CIT1CU.S5?FP#9,2.3W\RNA/2J6C_\ (*A_'_T(T 0?9==_Z"ME_P"
M+?\ QVC[+KO_ $%;+_P!;_X[6K10!E?9==_Z"ME_X M_\=H^RZ[_ -!6R_\
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MT?9==_Z"ME_X -_\=K5HH ROLNN_]!6R_P# !O\ X[1]EUW_ *"ME_X -_\
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M4M'_ .05#^/_ *$:L6LDTUC#+-'Y,SQJSQ]=C$<C\#5?101I$ )R<')QUY-
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MZB4K:+<38DDLGB65K>W8II*D"68 @W!SRJ'^[ZGOT%;\<:11K'&H5%&%51@
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M=:4"FIM,VV9FV(JO($$9;:Q&%S\KL<?P[1WH ZNU@:WL(+>25IGCC5&D;JY
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M7&9)!DX&8).3_P!\T :-%9_]LV7]Z;_P'D_^)I!K=AN*^9+N R1Y$F0/^^:
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,4 %%%% !1110!__9

end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>5
<FILENAME>tm2524819d48_fwpimg005.jpg
<DESCRIPTION>GRAPHIC
<TEXT>
begin 644 tm2524819d48_fwpimg005.jpg
M_]C_X  02D9)1@ ! 0$ 8 !@  #_VP!#  @&!@<&!0@'!P<)"0@*#!0-# L+
M#!D2$P\4'1H?'AT:'!P@)"XG("(L(QP<*#<I+# Q-#0T'R<Y/3@R/"XS-#+_
MVP!# 0@)"0P+#!@-#1@R(1PA,C(R,C(R,C(R,C(R,C(R,C(R,C(R,C(R,C(R
M,C(R,C(R,C(R,C(R,C(R,C(R,C(R,C+_P  1"  F /8# 2(  A$! Q$!_\0
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M9=2N8;!64X($KA6(]]NZCR0>H:SK%Y=^#-0U;1IQ:B*":6&>2(.9$5"0RC.
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>_J-^VHWM]=Z@8S-+=>4#\B[5 $:(!Q[4444 ?__9

end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>6
<FILENAME>tm2524819d48_fwpimg006.jpg
<DESCRIPTION>GRAPHIC
<TEXT>
begin 644 tm2524819d48_fwpimg006.jpg
M_]C_X  02D9)1@ ! 0$ 8 !@  #_VP!#  @&!@<&!0@'!P<)"0@*#!0-# L+
M#!D2$P\4'1H?'AT:'!P@)"XG("(L(QP<*#<I+# Q-#0T'R<Y/3@R/"XS-#+_
MVP!# 0@)"0P+#!@-#1@R(1PA,C(R,C(R,C(R,C(R,C(R,C(R,C(R,C(R,C(R
M,C(R,C(R,C(R,C(R,C(R,C(R,C(R,C+_P  1"  G /<# 2(  A$! Q$!_\0
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*X4 #O1110!__V0$!

end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>7
<FILENAME>tm2524819d48_fwpimg007.jpg
<DESCRIPTION>GRAPHIC
<TEXT>
begin 644 tm2524819d48_fwpimg007.jpg
M_]C_X  02D9)1@ ! 0$ 8 !@  #_VP!#  @&!@<&!0@'!P<)"0@*#!0-# L+
M#!D2$P\4'1H?'AT:'!P@)"XG("(L(QP<*#<I+# Q-#0T'R<Y/3@R/"XS-#+_
MVP!# 0@)"0P+#!@-#1@R(1PA,C(R,C(R,C(R,C(R,C(R,C(R,C(R,C(R,C(R
M,C(R,C(R,C(R,C(R,C(R,C(R,C(R,C+_P  1" $M AX# 2(  A$! Q$!_\0
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M"C^S+#_GSA_[X% %G>G]]?SHWI_?7\ZK?V98?\^</_? H_LRP_Y\X?\ O@4
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M !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M%8'B7Q/!H5J1&$N+XLH2V#<G/<X[<&M34]0ATO3I[R=U1(U)&XX!/8?B:\[T
MA[OQ9XJ&JFS$$EO:%9.>/,*D(1GG'/Z5RUZKC:$/B9G.5M%N6=1^)#200#3H
MQ'-)"XD5UW&.3^''8]Z[G2+MK_1[2Z<J7DB5GV]-V.?UKB?!?A*YT[4KS^U[
M/)\@"-\AD.[[V#ZUL^!KJ&/26TQIT-S;3S(4SR5#]?IS6.'G5YDZKWOIZ$P<
MK^\.\<ZE#;:%)8;F-S?#R8E4]R1R?05T%G:Q6EK#$D2(8XU3Y1T [5P>B:+'
MK/C75[S4HGECMYSY*L#L+9_I@<5Z)6]%N<G4:\E\BHW;;*=E_P ?%[_UV_\
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M) /8CD=14^B?\@]O^N\W_HQJH:';WMSJ^H:S?6;V?VB.."&WD8,X1-QRVTD
MDL>,]!5W046/2]B\*L\P'.?^6C4 :=%%% !1110 4444 %%%% !1110 4444
M %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110
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M0 4444 %%%% !7*^-/$;Z19+9V8+WMWF-"K<QY[_ %YXKJ'=8XV=SA5!))[
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M: &1:A8R:C-IT5Q$;N%!))"I^95/0GZU7U#5-(\/6L*WMQ#:0.2D2L."<9P
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MG"[C@#TKJ:SP]-_Q):M[>2%!?:84445UF@4444 %%%% !1110 4444 %%%%
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MO2GZ5HUGHT4B6HD+2MOEEED,DDAQ@%F/)XXI-$_Y![?]=YO_ $8U &C1110
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M "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH
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MYO\ T8U5=%TZ_74+W5=56!+JZ5(EA@8NL<:9P-Q R26)Z5:T)533"JJ%43S
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MQ6GKWB*S\/PP-<175Q-</Y<-O:0F660@9.%'8 $DU4T_6+SQ!J-E>:3+;_\
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MT%R66Q6 "7R8\8#ECPY;[V.@X%6/#GAW3O"VC1:9IL0CB3EV(^:1CU9CW)H
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M%9SN6&+KYT2_\M%?&%]">>E:^H>%K/5?$UCK-^WG_8(R+6W9!MCD)YDSU)P
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MEQ&LR*5$A_O$#IGIDFM;7=?M/#]M%+<QW,\D\@BAM[6$RRRM@G"J.N "3]*
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MO8?CUJU110 4444 %5)=,LY]3M]1EA#75LCI#(2?D#8W8'3G YJW10 4444
M%%%% ",H=2IS@C!P<56TW3;32-.@L+"$0VL"[8XP2<#KWZ\U:HH **** "BB
MB@"I-IEG/J5MJ,L(>ZMD=(9"3\@;&[ Z<X'-6Z** "BBB@ I& 92IZ$8XI:*
M *NFZ;::1IT%A80B&UA7;&@)..<]3R>235JBB@ HHHH *J3:;9W&I6VH2PA[
MJU5UA<D_(&QNP.F3CK5NB@ HHHH **** $(W @]#Q5;3=-M-(TZ&PL(1#;0C
@"("3CG)Y/).23FK5% !1110 4444 %%%% !1110!_]D!

end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>8
<FILENAME>tm2524819d48_fwpimg008.jpg
<DESCRIPTION>GRAPHIC
<TEXT>
begin 644 tm2524819d48_fwpimg008.jpg
M_]C_X  02D9)1@ ! 0$ 8 !@  #_VP!#  @&!@<&!0@'!P<)"0@*#!0-# L+
M#!D2$P\4'1H?'AT:'!P@)"XG("(L(QP<*#<I+# Q-#0T'R<Y/3@R/"XS-#+_
MVP!# 0@)"0P+#!@-#1@R(1PA,C(R,C(R,C(R,C(R,C(R,C(R,C(R,C(R,C(R
M,C(R,C(R,C(R,C(R,C(R,C(R,C(R,C+_P  1"  H %$# 2(  A$! Q$!_\0
M'P   04! 0$! 0$           $" P0%!@<("0H+_\0 M1   @$# P($ P4%
M! 0   %] 0(#  01!1(A,4$&$U%A!R)Q%#*!D:$((T*QP152T? D,V)R@@D*
M%A<8&1HE)B<H*2HT-38W.#DZ0T1%1D=(24I35%565UA96F-D969G:&EJ<W1U
M=G=X>7J#A(6&AXB)BI*3E)66EYB9FJ*CI*6FIZBIJK*SM+6VM[BYNL+#Q,7&
MQ\C)RM+3U-76U]C9VN'BX^3EYN?HZ>KQ\O/T]?;W^/GZ_\0 'P$  P$! 0$!
M 0$! 0        $" P0%!@<("0H+_\0 M1$  @$"! 0#! <%! 0  0)W  $"
M Q$$!2$Q!A)!40=A<1,B,H$(%$*1H;'!"2,S4O 58G+1"A8D-.$E\1<8&1HF
M)R@I*C4V-S@Y.D-$149'2$E*4U155E=865IC9&5F9VAI:G-T=79W>'EZ@H.$
MA8:'B(F*DI.4E9:7F)F:HJ.DI::GJ*FJLK.TM;:WN+FZPL/$Q<;'R,G*TM/4
MU=;7V-G:XN/DY>;GZ.GJ\O/T]?;W^/GZ_]H # ,!  (1 Q$ /P#W^BLS4O$.
MC:-=6EMJ6IVMI/=OL@2:0*7.,]_IC)[D#J15]KB%)8XGFC627/EH6 +X&3@=
M\"@"2BJ;ZMIL6I)ILFH6J7\B[DM6F42L/4)G)'X5<H **** "N5\/^(M:\0M
M]K73=/M=*CN9X9)&O'DF81LR<)Y:JN64'[QXKI8KF"=I4AFCD>%MDBHX)1L9
MP<=#@BN"MO#UU>>*+#4(/"T7AYXFF.H3QO"1>*ZD!1Y9W/EB&RZJ1BIN[Z=O
M\P>QK:3XT?4=2L(Y=-$%AJ@E.GW0N-S2[.3O3:-F0"1AFR!SBNLKSWP[X<UF
M"X\-V-]8^3;>'UF'VOS49;DE2B;%!+ ;22=P'/3/6N]%S UTUJL\9N$4.T0<
M;U4\ D=<'!Y]JO2VG](E7N[_ -;_ / ):***11Y;\04M;'Q##JJM;WJCY=0T
MZ?C<BP3$;6Z@E6<!>A..G-;NH6UK%\3/#5U&FV:XM;O<78EL!8\*,G@#G@<9
MR>I-=%?>'=&U/4+74+[3+6XN[5MT,TD8+(<8Z]_Q[X/4"DN_#6@W]^+^\T33
M;F\&,7$UHCR#'3YB,\4HZ))]&_U_S$[MOS7^7^7]6/.;Y@]IJ^-O]KCQ9 $V
M_?\ OQ[,=_\ 59_#->KRJKPNC,RJRD%E;:0/4$=/K59M)TU]374VT^T:_5=B
MW1A4RA?0/C./;-6G1)8VCD571@0RL,@@]B*25H<O];)?H%O>O_6]SS[0M:U&
M_P!=L].N]0E&D1NQL=0"E#JI7HI;_9&3Q_K,9' (/6>*K^?2_"6KW]K_ *^W
MLY9(_9@I(-:+6MN\<<;P1,D15HU* A".A [8[4^:*.>%X95#QR*593T(/!%.
M2O&R_P"'*A92NSG;)-8TW2-.MM$TW3;FU6U0M)=:A)"Y<\L<"%\YZ[B<DD\=
MS+]L\8?] +0__!S-_P#(M9_B+2)]/^'FK6@U.Y\FTLY6MS&2DFQ8SM1WSEL'
M'(VDX .><YUY!!JFJ>#]$U"".?3)M.EG>"09221$C"[EZ' 8D9[XIRE>3M_6
MC?Z$13C%7[?E9?K<Z'[9XP_Z 6A_^#F;_P"1:S/$,VIQ6VCZE?6EK::A!JL,
M,8M+IIU:*1@C@LT:'D,?EQCY5.?3E- CCUY_#^C:RHNM-2POGCCG.]9#',(T
M8YZE4Z$^N:Z7P783ZWX8\-ZAJ5X\\5I"'AA*\M(-RK([9^;"]!QR23GC M6G
MZ/Y7_/\ S$W=->J^=CN:***"PHHHH **** "BBB@"CJ^D6>N:=)87ZS-;2<.
MD5Q)"6'H2C D>HS@U0;P=HCZ7;:<T%R8+5LP,;V?S8N,867?O QQ@-C'%%%*
MR ?=^$]$O+*SM)+'9%9J4M_(E>%HU(P5#(0V".HS@]\UJV]O#:6T5M;Q+%#$
3H2-$& JC@ 444Q61+1110,__V0$!

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