<SEC-DOCUMENT>0000950103-25-013627.txt : 20251024
<SEC-HEADER>0000950103-25-013627.hdr.sgml : 20251024
<ACCEPTANCE-DATETIME>20251024165303
ACCESSION NUMBER:		0000950103-25-013627
CONFORMED SUBMISSION TYPE:	424B2
PUBLIC DOCUMENT COUNT:		4
FILED AS OF DATE:		20251024
DATE AS OF CHANGE:		20251024

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			CITIGROUP INC
		CENTRAL INDEX KEY:			0000831001
		STANDARD INDUSTRIAL CLASSIFICATION:	NATIONAL COMMERCIAL BANKS [6021]
		ORGANIZATION NAME:           	02 Finance
		EIN:				521568099
		STATE OF INCORPORATION:			DE
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		424B2
		SEC ACT:		1933 Act
		SEC FILE NUMBER:	333-270327
		FILM NUMBER:		251416723

	BUSINESS ADDRESS:	
		STREET 1:		388 GREENWICH STREET
		CITY:			NEW YORK
		STATE:			NY
		ZIP:			10013
		BUSINESS PHONE:		2125591000

	MAIL ADDRESS:	
		STREET 1:		388 GREENWICH STREET
		CITY:			NEW YORK
		STATE:			NY
		ZIP:			10013

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	TRAVELERS GROUP INC
		DATE OF NAME CHANGE:	19950519

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	TRAVELERS INC
		DATE OF NAME CHANGE:	19940103

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	PRIMERICA CORP /NEW/
		DATE OF NAME CHANGE:	19920703

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			Citigroup Global Markets Holdings Inc.
		CENTRAL INDEX KEY:			0000200245
		STANDARD INDUSTRIAL CLASSIFICATION:	SECURITY BROKERS, DEALERS & FLOTATION COMPANIES [6211]
		ORGANIZATION NAME:           	02 Finance
		EIN:				112418067
		STATE OF INCORPORATION:			NY
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		424B2
		SEC ACT:		1933 Act
		SEC FILE NUMBER:	333-270327-01
		FILM NUMBER:		251416724

	BUSINESS ADDRESS:	
		STREET 1:		388 GREENWICH ST
		CITY:			NEW YORK
		STATE:			NY
		ZIP:			10013
		BUSINESS PHONE:		212-816-6000

	MAIL ADDRESS:	
		STREET 1:		388 GREENWICH ST
		CITY:			NEW YORK
		STATE:			NY
		ZIP:			10013

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	CITIGROUP GLOBAL MARKETS HOLDINGS INC
		DATE OF NAME CHANGE:	20030404

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	SALOMON SMITH BARNEY HOLDINGS INC
		DATE OF NAME CHANGE:	19971128

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	SALOMON INC
		DATE OF NAME CHANGE:	19920703
</SEC-HEADER>
<DOCUMENT>
<TYPE>424B2
<SEQUENCE>1
<FILENAME>dp236303_424b2-us2524158d.htm
<DESCRIPTION>PRELIMINARY PRICING SUPPLEMENT
<TEXT>
<HTML>
<HEAD>
     <TITLE></TITLE>
</HEAD>
<BODY STYLE="font: 10pt Times New Roman, Times, Serif">

<P STYLE="color: red; font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">The information in this pricing supplement
is not complete and may be changed. A registration statement relating to these securities has been filed with the Securities and Exchange
Commission. This pricing supplement and the accompanying product supplement, prospectus supplement and prospectus are not an offer to
sell these securities, nor are they soliciting an offer to buy these securities, in any state where the offer or sale is not permitted.</P>

<P STYLE="color: red; font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">SUBJECT TO COMPLETION, DATED OCTOBER
24, 2025</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Pricing Supplement No. 2025-USNCH29111 to Product Supplement No. EA-02-10
dated March 7, 2023,</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Prospectus Supplement and Prospectus each dated March 7, 2023</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Filed Pursuant to Rule 424(b)(2)</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Registration Statement Nos. 333-270327 and 333-270327-01</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Dated October<FONT STYLE="color: white">-----</FONT>, 2025</P>

<P STYLE="font: 12pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B>Citigroup Global Markets Holdings Inc. $---- Autocallable GEARS</B></P>

<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Linked to the Common Stock of Molina Healthcare, Inc. Due On or
About March 28, 2028</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B>All payments due on the securities are fully and unconditionally
guaranteed by Citigroup Inc.</B></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif; background-color: #DBAA35; border-collapse: collapse">
  <TR STYLE="background-color: #5A6F89">
    <TD STYLE="width: 100%; font-size: 10pt; color: white; font-weight: bold">Investment Description</TD></TR>
  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">The Autocallable GEARS offered by this pricing supplement (the &ldquo;<B>securities</B>&rdquo;)
are unsecured, unsubordinated debt obligations of Citigroup Global Markets Holdings Inc. (the &ldquo;<B>issuer</B>&rdquo;), guaranteed
by Citigroup Inc. (the &ldquo;<B>guarantor</B>&rdquo;), with a return at maturity linked to the performance of the common stock of Molina
Healthcare, Inc. (the &ldquo;<B>underlying</B>&rdquo;). If the closing price of the underlying on the interim valuation date is greater
than or equal to the autocall barrier, we will automatically call the securities and pay you a call price equal to the stated principal
amount per security <I>plus</I> the call return specified below. At maturity, if the securities have not previously been automatically
called, the amount you receive will depend on the performance of the underlying from the initial underlying price to the final underlying
price. The final underlying price will be equal to the arithmetic average of the closing prices of the underlying on each of the valuation
dates. If the underlying return is positive, the issuer will repay the stated principal amount of the securities at maturity and pay
a return equal to the underlying return multiplied by the upside gearing of 1.75.&nbsp;&nbsp;However, if the underlying return is negative,
you will be fully exposed to the negative underlying return and the issuer will pay you less than the stated principal amount at maturity,
resulting in a loss on the stated principal amount to investors that is proportionate to the percentage decline in the price of the underlying.&nbsp;&nbsp;In
this case, you will have full downside exposure to the underlying from the initial underlying price to the final underlying price, and
could lose all of your initial investment.<B>&nbsp;&nbsp;Investing in the securities involves significant risks. You may lose a substantial
portion or all of your initial investment. Any payment on the securities, including any repayment of the stated principal amount provided
at maturity or earlier automatic call, is subject to the creditworthiness of the issuer and the guarantor.&nbsp;&nbsp;If the issuer and
the guarantor were to default on their obligations, you might not receive any amounts owed to you under the securities and you could
lose your entire investment.</B></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif; border-collapse: collapse">
  <TR>
    <TD STYLE="width: 69%; background-color: #5A6F89; font-size: 10pt; color: white; font-weight: bold">Features</TD>
    <TD STYLE="width: 2%; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="width: 29%; background-color: #5A6F89; font-size: 10pt; color: white; font-weight: bold">Key Dates<SUP>1</SUP></TD></TR>
  </TABLE>
<P STYLE="margin-top: 0; margin-bottom: 0"></P>

<DIV STYLE="float: left; width: 69%">

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 3%; text-indent: 0in"><FONT STYLE="font-family: Wingdings; font-size: 10pt">q</FONT></TD>
    <TD STYLE="width: 97%; text-indent: 0in"><FONT STYLE="font-size: 10pt"><B>Automatic Call &mdash;</B> We will automatically call the securities for a call price equal to the stated principal amount <I>plus</I> the call return if the closing price of the underlying on the interim valuation date is greater than or equal to the autocall barrier.</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0in"><FONT STYLE="font-family: Wingdings; font-size: 10pt">q</FONT></TD>
    <TD STYLE="text-indent: 0in"><FONT STYLE="font-size: 10pt"><B>Enhanced Growth Potential at Maturity &mdash;</B> If the securities are not automatically called and the underlying return is positive, the issuer will repay the stated principal amount of the securities at maturity and pay a return equal to the underlying return multiplied by the upside gearing. The upside gearing feature will provide leveraged exposure to the positive performance of the underlying.</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0in"><FONT STYLE="font-family: Wingdings; font-size: 10pt">q</FONT></TD>
    <TD STYLE="text-indent: 0in"><FONT STYLE="font-size: 10pt"><B>Full Downside Exposure at Maturity &mdash;</B> If the securities are not automatically called and the underlying return is negative, your investment will be fully exposed to the negative underlying return and the issuer will pay less than the stated principal amount of the securities at maturity, resulting in a loss on the stated principal amount to investors that is proportionate to the percentage decline in the price of the underlying. <B>You might lose some or all of your initial investment. Any payment on the securities is subject to the creditworthiness of the issuer and the guarantor. If the issuer and the guarantor were to default on their obligations, you might not receive any amounts owed to you under the securities and you could lose your entire investment.</B></FONT></TD></TR>
  </TABLE>
<P STYLE="margin-top: 0; margin-bottom: 0"></P>

</DIV>

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

<DIV STYLE="float: right; width: 29%">

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-align: left; width: 38%; vertical-align: top"><FONT STYLE="font-size: 10pt">Strike date</FONT></TD>
    <TD STYLE="text-align: left; width: 62%; vertical-align: top"><FONT STYLE="font-size: 10pt">October 23, 2025</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-align: left; vertical-align: top"><FONT STYLE="font-size: 10pt">Trade date</FONT></TD>
    <TD STYLE="text-align: left; vertical-align: top"><FONT STYLE="font-size: 10pt">October 24, 2025 </FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-align: left; vertical-align: top"><FONT STYLE="font-size: 10pt">Settlement date</FONT></TD>
    <TD STYLE="text-align: left; vertical-align: top"><FONT STYLE="font-size: 10pt">October 28, 2025 </FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-align: left; vertical-align: top"><FONT STYLE="font-size: 10pt">Interim valuation date<SUP>2</SUP></FONT></TD>
    <TD STYLE="text-align: left; vertical-align: top"><FONT STYLE="font-size: 10pt">November 6, 2026</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-align: left; vertical-align: top"><FONT STYLE="font-size: 10pt">Call settlement date</FONT></TD>
    <TD STYLE="text-align: left; vertical-align: top"><FONT STYLE="font-size: 10pt">November 10, 2026</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-align: left; vertical-align: top"><FONT STYLE="font-size: 10pt">Valuation dates<SUP>2</SUP></FONT></TD>
    <TD STYLE="text-align: left; vertical-align: top"><FONT STYLE="font-size: 10pt">March 20, 2028, March 21, 2028, March 22, 2028, March 23, 2028 and March 24, 2028</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-align: left; vertical-align: top"><FONT STYLE="font-size: 10pt">Final valuation date<SUP>2</SUP></FONT></TD>
    <TD STYLE="text-align: left; vertical-align: bottom"><FONT STYLE="font-size: 10pt">March 24, 2028</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-align: left; vertical-align: top"><FONT STYLE="font-size: 10pt">Maturity date</FONT></TD>
    <TD STYLE="text-align: left; vertical-align: bottom"><FONT STYLE="font-size: 10pt">March 28, 2028</FONT></TD></TR>
  </TABLE>
<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 12.25pt"><SUP>1</SUP></TD><TD>Expected</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 12.25pt"><SUP>2</SUP></TD><TD>See page PS-4 for additional details</TD></TR></TABLE>

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

</DIV>

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 100%"><FONT STYLE="font-size: 10pt"><B>NOTICE TO INVESTORS: THE SECURITIES ARE SIGNIFICANTLY RISKIER THAN CONVENTIONAL DEBT SECURITIES.&nbsp;&nbsp;THE ISSUER IS NOT NECESSARILY OBLIGATED TO REPAY YOUR INITIAL INVESTMENT IN THE SECURITIES AT MATURITY, AND THE SECURITIES HAVE THE FULL DOWNSIDE MARKET RISK OF THE UNDERLYING.&nbsp;&nbsp;THIS MARKET RISK IS IN ADDITION TO THE CREDIT RISK INHERENT IN PURCHASING AN OBLIGATION OF CITIGROUP GLOBAL MARKETS HOLDINGS INC. THAT IS GUARANTEED BY CITIGROUP INC.&nbsp;&nbsp;YOU SHOULD NOT PURCHASE THE SECURITIES IF YOU DO NOT UNDERSTAND OR ARE NOT COMFORTABLE WITH THE SIGNIFICANT RISKS INVOLVED IN INVESTING IN THE SECURITIES.&nbsp;&nbsp;THE SECURITIES WILL NOT BE LISTED ON ANY SECURITIES EXCHANGE AND, ACCORDINGLY, MAY HAVE LIMITED OR NO LIQUIDITY.</B></FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B>YOU SHOULD CAREFULLY CONSIDER THE RISKS DESCRIBED UNDER &ldquo;SUMMARY
RISK FACTORS&rdquo; BEGINNING ON PAGE PS-6 OF THIS PRICING SUPPLEMENT AND UNDER &ldquo;RISK FACTORS RELATING TO THE SECURITIES&rdquo;
BEGINNING ON PAGE EA-7 OF THE ACCOMPANYING PRODUCT SUPPLEMENT BEFORE PURCHASING ANY SECURITIES. EVENTS RELATING TO ANY OF THOSE RISKS,
OR OTHER RISKS AND UNCERTAINTIES, COULD ADVERSELY AFFECT THE VALUE OF, AND THE RETURN ON, YOUR SECURITIES.&nbsp;&nbsp;YOU MAY LOSE SOME
OR ALL OF YOUR INITIAL INVESTMENT IN THE SECURITIES.</B></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; background-color: #DBAA35; border-collapse: collapse">
  <TR STYLE="background-color: #5A6F89">
    <TD STYLE="width: 100%; color: white; font-weight: bold">Security Offering</TD></TR>
  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">We are offering Autocallable GEARS Linked to the Common Stock of Molina
Healthcare, Inc. Any return at maturity will be determined by the performance of the underlying. The initial underlying price and autocall
barrier were determined on the strike date. The securities are our unsecured, unsubordinated debt obligations, guaranteed by Citigroup
Inc., and are offered for a minimum investment of 100 securities at the issue price described below.</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
  <TR>
    <TD STYLE="width: 17%; border-bottom: Black 1pt solid; text-align: center; font-weight: bold"><FONT STYLE="font-size: 10pt">Underlying</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; width: 17%; text-align: center; font-weight: bold"><FONT STYLE="font-size: 10pt">Initial Underlying Price</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; vertical-align: top; width: 14%; text-align: center; font-weight: bold"><FONT STYLE="font-size: 10pt">Autocall Barrier*</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; vertical-align: top; width: 15%; text-align: center; font-weight: bold"><FONT STYLE="font-size: 10pt">Call Return</FONT></TD>
    <TD STYLE="width: 16%; border-bottom: Black 1pt solid; text-align: center; font-weight: bold"><FONT STYLE="font-size: 10pt">Upside Gearing</FONT></TD>
    <TD STYLE="width: 21%; border-bottom: Black 1pt solid; text-align: center; font-weight: bold"><FONT STYLE="font-size: 10pt">CUSIP/ ISIN</FONT></TD></TR>
  <TR>
    <TD STYLE="border-bottom: #C7C8CA 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">Common stock of Molina Healthcare, Inc. (Ticker: MOH)</FONT></TD>
    <TD STYLE="border-bottom: #C7C8CA 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">$161.00</FONT></TD>
    <TD STYLE="border-bottom: #C7C8CA 1pt solid; vertical-align: top; text-align: center"><FONT STYLE="font-size: 10pt">$177.10, 110.00% of the initial underlying price</FONT></TD>
    <TD STYLE="border-bottom: #C7C8CA 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">39.50% of the stated principal amount</FONT></TD>
    <TD STYLE="border-bottom: #C7C8CA 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">1.75</FONT></TD>
    <TD STYLE="border-bottom: #C7C8CA 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">17333P460 / US17333P4607</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">*The autocall barrier for the underlying may be rounded to the nearest
cent.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B>See &ldquo;Additional Terms Specific to the Securities&rdquo; in
this pricing supplement.&nbsp;&nbsp;The securities will have the terms specified in the accompanying product supplement, prospectus supplement
and prospectus, as supplemented by this pricing supplement.</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Neither the Securities and Exchange Commission (the &ldquo;<B>SEC</B>&rdquo;)
nor any state securities commission has approved or disapproved of the securities or passed upon the accuracy or the adequacy of this
pricing supplement or the accompanying product supplement, prospectus supplement and prospectus. Any representation to the contrary is
a criminal offense. The securities are not bank deposits and are not insured or guaranteed by the Federal Deposit Insurance Corporation
or any other governmental agency.</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="width: 44%; border-bottom: Black 1pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="width: 14%; border-bottom: Black 1pt solid; text-align: center; font-weight: bold"><FONT STYLE="font-size: 10pt">Issue Price<SUP>(1)</SUP></FONT></TD>
    <TD STYLE="width: 21%; border-bottom: Black 1pt solid; text-align: center; font-weight: bold"><FONT STYLE="font-size: 10pt">Underwriting Discount<SUP>(2)</SUP></FONT></TD>
    <TD STYLE="width: 21%; border-bottom: Black 1pt solid; text-align: center; font-weight: bold"><FONT STYLE="font-size: 10pt">Proceeds to Issuer</FONT></TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom; border-bottom: #C7C8CA 1pt solid; text-align: left"><FONT STYLE="font-size: 10pt">Per security</FONT></TD>
    <TD STYLE="border-bottom: #C7C8CA 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">$10.00</FONT></TD>
    <TD STYLE="border-bottom: #C7C8CA 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">$0.025</FONT></TD>
    <TD STYLE="border-bottom: #C7C8CA 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">$9.975</FONT></TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom; border-bottom: #C7C8CA 1pt solid; text-align: left"><FONT STYLE="font-size: 10pt">Total</FONT></TD>
    <TD STYLE="border-bottom: #C7C8CA 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">$</FONT></TD>
    <TD STYLE="border-bottom: #C7C8CA 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">$</FONT></TD>
    <TD STYLE="border-bottom: #C7C8CA 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">$</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><SUP>(1)</SUP> Citigroup Global Markets Holdings Inc. currently expects
that the estimated value of the securities on the trade date will be at least $9.738 per security, which will be less than the issue
price. The estimated value of the securities is based on proprietary pricing models of Citigroup Global Markets Inc. (&ldquo;<B>CGMI</B>&rdquo;)
and our internal funding rate. It is not an indication of actual profit to CGMI or other of our affiliates, nor is it an indication of
the price, if any, at which CGMI or any other person may be willing to buy the securities from you at any time after issuance. See &ldquo;Valuation
of the Securities&rdquo; in this pricing supplement.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><SUP>(2)</SUP> The underwriting discount is $0.025 per security. CGMI,
acting as principal, expects to purchase from Citigroup Global Markets Holdings Inc., and Citigroup Global Markets Holdings Inc. expects
to sell to CGMI, the aggregate stated principal amount of the securities set forth above for $9.975 per security. UBS Financial Services
Inc. (&ldquo;<B>UBS</B>&rdquo;), acting as principal, expects to purchase from CGMI, and CGMI expects to sell to UBS, all of the securities
for $9.975 per security. UBS will receive an underwriting discount of $0.025 for each security it sells. UBS proposes to offer the securities
to the public at a price of $10.00 per security. For additional information on the distribution of the securities, see &ldquo;Supplemental
Plan of Distribution&rdquo; in this pricing supplement. In addition to the underwriting discount, CGMI and its affiliates may profit
from expected hedging activity related to this offering, even if the value of the securities declines. See &ldquo;Use of Proceeds and
Hedging&rdquo; in the accompanying prospectus.</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 50%"><FONT STYLE="font-size: 11pt"><B>Citigroup Global Markets Inc.</B></FONT></TD>
    <TD STYLE="width: 50%; text-align: right"><FONT STYLE="font-size: 11pt"><B>UBS Financial Services Inc.</B></FONT></TD></TR>
  </TABLE>

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

<!-- Field: Page; Sequence: 1 -->
    <DIV STYLE="margin-top: 6pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: center; margin-top: 0pt; margin-bottom: 0pt">&nbsp;</P></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="font-family: Arial, Helvetica, Sans-Serif; margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif; background-color: #DBAA35; border-collapse: collapse">
  <TR STYLE="background-color: #5A6F89">
    <TD STYLE="width: 100%; color: white; font-weight: bold">Additional Information About the Securities</TD></TR>
  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">The terms of the securities are set forth in the accompanying product
supplement, prospectus supplement and prospectus, as supplemented by this pricing supplement.&nbsp;&nbsp;The accompanying product supplement,
prospectus supplement and prospectus contain important disclosures that are not repeated in this pricing supplement.&nbsp;&nbsp;For example,
certain events may occur that could affect whether the securities are automatically called prior to maturity and whether you are repaid
the stated principal amount of your securities at maturity.&nbsp;&nbsp;These events and their consequences are described in the accompanying
product supplement in the sections &ldquo;Description of the Securities&mdash;Consequences of a Market Disruption Event; Postponement
of a Valuation Date,&rdquo; and &ldquo;Description of the Securities&mdash;Certain Additional Terms for Securities Linked to an Underlying
Company or an Underlying ETF&mdash;Dilution and Reorganization Adjustments&rdquo; and &ldquo;&mdash;Delisting of an Underlying Company,&rdquo;
and not in this pricing supplement.&nbsp;&nbsp;It is important that you read the accompanying product supplement, prospectus supplement
and prospectus together with this pricing supplement before you decide whether to invest in the securities.&nbsp;&nbsp;Certain terms used
but not defined in this pricing supplement are defined in the accompanying product supplement.</P>

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">You may access the accompanying product supplement, prospectus supplement
and prospectus on the SEC website at www.sec.gov as follows (or if such address has changed, by reviewing our filings for the relevant
dates on the SEC website):</P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0pt"></TD><TD STYLE="width: 14.4pt"><FONT STYLE="font-family: Symbol">&uml;</FONT></TD><TD>Product Supplement No. EA-02-10 dated March 7, 2023:</TD></TR></TABLE>

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.2in; text-indent: 0in"><A HREF="https://www.sec.gov/Archives/edgar/data/200245/000095010323003818/dp190217_424b2-ea0210.htm">https://www.sec.gov/Archives/edgar/data/200245/000095010323003818/dp190217_424b2-ea0210.htm</A></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.2in; text-indent: 0in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0pt"></TD><TD STYLE="width: 14.4pt"><FONT STYLE="font-family: Symbol">&uml;</FONT></TD><TD>Prospectus Supplement and Prospectus each dated March 7, 2023:</TD></TR></TABLE>

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.2in; text-indent: 0in"><A HREF="https://www.sec.gov/Archives/edgar/data/200245/000119312523063080/d470905d424b2.htm">https://www.sec.gov/Archives/edgar/data/200245/000119312523063080/d470905d424b2.htm</A></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.2in; text-indent: 0in">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">You may revoke your offer to purchase the securities at any time prior
to the time at which we accept such offer by notifying the applicable agent.&nbsp;&nbsp;We reserve the right to change the terms of, or
reject any offer to purchase, the securities on or prior to the trade date.&nbsp;&nbsp;The applicable agent will notify you in the event
of any material changes to the terms of the securities, and you will be asked to accept such changes in connection with your purchase
of the securities. You may also choose to reject such changes, in which case the applicable agent may reject your offer to purchase the
securities.&nbsp;&nbsp;References to &ldquo;Citigroup Global Markets Holdings Inc.,&rdquo; &ldquo;Citigroup,&rdquo; &ldquo;we,&rdquo;
&ldquo;our&rdquo; and &ldquo;us&rdquo; refer to Citigroup Global Markets Holdings Inc. and not to any of its subsidiaries.&nbsp;&nbsp;References
to &ldquo;Citigroup Inc.&rdquo; refer to Citigroup Inc. and not to any of its subsidiaries.&nbsp;&nbsp;In this pricing supplement, &ldquo;securities&rdquo;
refers to the Autocallable GEARS Linked to the Common Stock of Molina Healthcare, Inc. that are offered hereby, unless the context otherwise
requires.</P>

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><I>This pricing supplement, together with the documents listed above,
contains the terms of the securities and supersedes all other prior or contemporaneous oral statements as well as any other written materials
including preliminary or indicative pricing terms, correspondence, trade ideas, structures for implementation, sample structures, brochures
or other educational materials of ours.&nbsp;&nbsp;The description in this pricing supplement of the particular terms of the securities
supplements, and, to the extent inconsistent with, replaces, the descriptions of the general terms and provisions of the debt securities
set forth in the accompanying product supplement, prospectus supplement and prospectus.&nbsp;&nbsp;You should carefully consider, among
other things, the matters set forth in &ldquo;Summary Risk Factors&rdquo; in this pricing supplement and &ldquo;Risk Factors Relating
to the Securities&rdquo; in the accompanying product supplement, as the securities involve risks not associated with conventional debt
securities.&nbsp;&nbsp;We urge you to consult your investment, legal, tax, accounting and other advisers before deciding to invest in
the securities.</I></P>

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


<!-- Field: Page; Sequence: 2; Options: NewSection; Value: 2 -->
    <DIV STYLE="margin-top: 6pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: center; margin-top: 0pt; margin-bottom: 0pt">PS-<!-- Field: Sequence; Type: Arabic; Name: PageNo -->2<!-- Field: /Sequence --></P></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="font-family: Arial, Helvetica, Sans-Serif; margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif; background-color: #DBAA35; border-collapse: collapse">
  <TR STYLE="background-color: #5A6F89">
    <TD STYLE="width: 100%; color: white; font-weight: bold">Investor Suitability</TD></TR>
  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">The suitability considerations identified below are not exhaustive.&nbsp;&nbsp;Whether
or not the securities are a suitable investment for you will depend on your individual circumstances, and you should reach an investment
decision only after you and your investment, legal, tax, accounting and other advisers have carefully considered the suitability of an
investment in the securities in light of your particular circumstances. You should also review &ldquo;Summary Risk Factors&rdquo; beginning
on page PS-6 of this pricing supplement, &ldquo;Molina Healthcare, Inc.&rdquo; beginning on page PS-13 of this pricing supplement and
&ldquo;Risk Factors Relating to the Securities&rdquo; beginning on page EA-7 of the accompanying product supplement.</P>

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

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

<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: left">The securities may be suitable for you if, among
other considerations:</P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.2in"><FONT STYLE="font-family: Symbol">&uml;</FONT></TD><TD>You fully understand the risks inherent in an investment in the securities, including the risk of loss of your entire initial investment.</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.2in"><FONT STYLE="font-family: Symbol">&uml;</FONT></TD><TD>You can tolerate a loss of all or a substantial portion of your initial investment and are willing to make an investment that has
the full downside market risk of an investment in the underlying or in the stocks included in the underlying.</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.2in"><FONT STYLE="font-family: Symbol">&uml;</FONT></TD><TD>You believe that the price of the underlying will increase over the term of the securities.</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.2in"><FONT STYLE="font-family: Symbol">&uml;</FONT></TD><TD>You can tolerate fluctuations in the value of the securities prior to maturity that may be similar to or exceed the downside fluctuations
in the price of the underlying.</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.2in"><FONT STYLE="font-family: Symbol">&uml;</FONT></TD><TD>You seek exposure to the performance of the underlying as measured from the initial underlying price to the arithmetic average of
the closing prices of the underlying on the valuation dates (if the securities are not automatically called), and you understand that
the underlying return as so measured may be less favorable than the performance of the underlying as measured from the strike date to
the final valuation date.</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.2in"><FONT STYLE="font-family: Symbol">&uml;</FONT></TD><TD>You are willing to invest in the securities based on the call return rate and upside gearing indicated on the cover page of this pricing
supplement.</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.2in"><FONT STYLE="font-family: Symbol">&uml;</FONT></TD><TD>You are willing and able to hold securities that may be called early and you are otherwise willing to hold the securities to maturity.</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.2in"><FONT STYLE="font-family: Symbol">&uml;</FONT></TD><TD>You are willing to make an investment whose positive return is limited to the call return indicated on the cover page of this pricing
supplement if the securities are automatically called, regardless of the potential appreciation of the underlying, which could be significant.</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.2in"><FONT STYLE="font-family: Symbol">&uml;</FONT></TD><TD>You do not seek current income from your investment and are willing and able to forgo any dividends paid on the underlying.</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.2in"><FONT STYLE="font-family: Symbol">&uml;</FONT></TD><TD>You understand and accept the risks associated with the underlying.</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.2in"><FONT STYLE="font-family: Symbol">&uml;</FONT></TD><TD>You accept that there may be little or no secondary market for the securities and that any secondary market will depend in large part
on the price, if any, at which CGMI is willing to purchase the securities.</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt">
<TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.2in"><FONT STYLE="font-family: Symbol">&uml;</FONT></TD><TD>You are willing to assume the credit risk of Citigroup Global Markets
Holdings Inc. and Citigroup Inc. for all payments under the securities, and understand that if Citigroup Global Markets Holdings Inc.
and Citigroup Inc. default on their obligations you might not receive any amounts due to you, including any repayment of the stated principal
amount.</TD></TR>
</TABLE>


<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 10pt Symbol"></P>

</DIV>

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

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

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

<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: left">The securities may <I>not</I> be suitable for
you if, among other considerations:</P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.2in"><FONT STYLE="font-family: Symbol">&uml;</FONT></TD><TD>You do not fully understand the risks inherent in an investment in the securities, including the risk of loss of your entire initial
investment.</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.2in"><FONT STYLE="font-family: Symbol">&uml;</FONT></TD><TD>You require an investment designed to guarantee a full return of the stated principal amount at maturity.</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.2in"><FONT STYLE="font-family: Symbol">&uml;</FONT></TD><TD>You cannot tolerate the loss of all or a substantial portion of your initial investment, or you are not willing to make an investment
that has the full downside market risk of an investment in the underlying.</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.2in"><FONT STYLE="font-family: Symbol">&uml;</FONT></TD><TD>You believe that the price of the underlying will decline during the term of the securities and the final underlying price is likely
to close below the initial underlying price.</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.2in"><FONT STYLE="font-family: Symbol">&uml;</FONT></TD><TD>You cannot tolerate fluctuations in the value of the securities prior to maturity that may be similar to or exceed the downside fluctuations
in the price of the underlying.</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.2in"><FONT STYLE="font-family: Symbol">&uml;</FONT></TD><TD>You seek exposure to the performance of the underlying as measured from the strike date to the final valuation date.</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.2in"><FONT STYLE="font-family: Symbol">&uml;</FONT></TD><TD>You are unwilling to invest in the securities based on the call return rate or upside gearing indicated on the cover page of this
pricing supplement.</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.2in"><FONT STYLE="font-family: Symbol">&uml;</FONT></TD><TD>You are unable or unwilling to hold securities that may be called early or you are unable or unwilling to hold the securities to maturity
and seek an investment for which there will be an active secondary market.</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.2in"><FONT STYLE="font-family: Symbol">&uml;</FONT></TD><TD>You seek an investment that participates in the full appreciation of the underlying and whose positive return is not limited to the
call return.</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.2in"><FONT STYLE="font-family: Symbol">&uml;</FONT></TD><TD>You seek current income from this investment or prefer to receive the dividends and any other distributions paid on the stocks included
in the underlying for the term of the securities.</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.2in"><FONT STYLE="font-family: Symbol">&uml;</FONT></TD><TD>You do not understand or accept the risks associated with the underlying.</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.2in"><FONT STYLE="font-family: Symbol">&uml;</FONT></TD><TD>You are unwilling or unable to hold the securities to maturity, or you seek an investment for which there will be an active secondary
market.</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.2in"><FONT STYLE="font-family: Symbol">&uml;</FONT></TD><TD>You are not willing to assume the credit risk of Citigroup Global Markets Holdings Inc. and Citigroup Inc. for all payments under
the securities, including any repayment of the stated principal amount.</TD></TR></TABLE>

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

</DIV>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; font: 10pt Arial, Helvetica, Sans-Serif; width: 100%">
<TR STYLE="vertical-align: top; text-align: left">
  <TD STYLE="width: 100%">&nbsp;</TD></TR>
</TABLE>

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


<!-- Field: Page; Sequence: 3; Value: 2 -->
    <DIV STYLE="margin-top: 6pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: center; margin-top: 0pt; margin-bottom: 0pt">PS-<!-- Field: Sequence; Type: Arabic; Name: PageNo -->3<!-- Field: /Sequence --></P></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="font-family: Arial, Helvetica, Sans-Serif; margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

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

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

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top; background-color: #5A6F89">
    <TD STYLE="width: 100%"><FONT STYLE="font-size: 10pt; color: white"><B>Indicative Terms</B></FONT></TD></TR>
  </TABLE>
<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-top: 2pt; width: 39%; padding-bottom: 2pt"><FONT STYLE="font-size: 10pt">Issuer</FONT></TD>
    <TD STYLE="padding-top: 2pt; width: 61%; padding-bottom: 2pt"><FONT STYLE="font-size: 10pt">Citigroup Global Markets Holdings Inc.</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-top: 2pt; padding-bottom: 2pt"><FONT STYLE="font-size: 10pt">Guarantee</FONT></TD>
    <TD STYLE="padding-top: 2pt; padding-bottom: 2pt"><FONT STYLE="font-size: 10pt">All payments due on the securities are fully and unconditionally guaranteed by Citigroup Inc.</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-top: 2pt; padding-bottom: 2pt"><FONT STYLE="font-size: 10pt">Issue price</FONT></TD>
    <TD STYLE="padding-top: 2pt; padding-bottom: 2pt"><FONT STYLE="font-size: 10pt">100% of the stated principal amount per security</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-top: 2pt; padding-bottom: 2pt"><FONT STYLE="font-size: 10pt">Stated principal amount</FONT></TD>
    <TD STYLE="padding-top: 2pt; padding-bottom: 2pt"><FONT STYLE="font-size: 10pt">$10.00 per security</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-top: 2pt; padding-bottom: 2pt"><FONT STYLE="font-size: 10pt">Term</FONT></TD>
    <TD STYLE="padding-top: 2pt; padding-bottom: 2pt"><FONT STYLE="font-size: 10pt">29 months, unless called earlier</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-top: 2pt; padding-bottom: 2pt"><FONT STYLE="font-size: 10pt">Strike date</FONT></TD>
    <TD STYLE="padding-top: 2pt; padding-bottom: 2pt"><FONT STYLE="font-size: 10pt">October 23, 2025</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-top: 2pt; padding-bottom: 2pt"><FONT STYLE="font-size: 10pt">Trade date<SUP>1</SUP></FONT></TD>
    <TD STYLE="padding-top: 2pt; padding-bottom: 2pt"><FONT STYLE="font-size: 10pt">October 24, 2025</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-top: 2pt; padding-bottom: 2pt"><FONT STYLE="font-size: 10pt">Settlement date<SUP>1</SUP></FONT></TD>
    <TD STYLE="padding-top: 2pt; padding-bottom: 2pt"><FONT STYLE="font-size: 10pt">October 28, 2025</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-top: 2pt; padding-bottom: 2pt"><FONT STYLE="font-size: 10pt">Valuation dates<SUP>1, 2</SUP></FONT></TD>
    <TD STYLE="padding-top: 2pt; padding-bottom: 2pt"><FONT STYLE="font-size: 10pt">March 20, 2028, March 21, 2028, March 22, 2028, March 23, 2028 and March 24, 2028 (the &ldquo;final valuation date&rdquo;)</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-top: 2pt; padding-bottom: 2pt"><FONT STYLE="font-size: 10pt">Maturity date<SUP>1</SUP></FONT></TD>
    <TD STYLE="padding-top: 2pt; padding-bottom: 2pt"><FONT STYLE="font-size: 10pt">March 28, 2028</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-top: 2pt; padding-bottom: 2pt"><FONT STYLE="font-size: 10pt">Underlying<FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; color: white"><SUP>[1]</SUP></FONT></FONT></TD>
    <TD STYLE="padding-top: 2pt; padding-bottom: 2pt"><FONT STYLE="font-size: 10pt">Common stock of Molina Healthcare, Inc. (Ticker: MOH) (the &ldquo;underlying issuer&rdquo;)</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-top: 2pt; padding-bottom: 2pt"><FONT STYLE="font-size: 10pt">Upside gearing</FONT></TD>
    <TD STYLE="padding-top: 2pt; padding-bottom: 2pt"><FONT STYLE="font-size: 10pt">1.75</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-top: 2pt; padding-bottom: 2pt"><FONT STYLE="font-size: 10pt">Automatic call feature</FONT></TD>
    <TD STYLE="padding-top: 2pt; padding-bottom: 2pt">
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 4.3pt 0pt 0">The securities will be automatically called if the closing
price of the underlying on the interim valuation date is greater than or equal to the autocall barrier.</P>
    <P STYLE="padding-top: 2pt; font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 4.3pt 0pt 0pt">If the securities are automatically
called, we will pay you on the call settlement date a cash payment per $10.00 stated principal amount of each security equal to the call
price.</P>
    <P STYLE="padding-top: 2pt; font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 4.3pt 0pt 0pt">After the securities are automatically called, no further
payments will be made on the securities.</P></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-top: 2pt; padding-bottom: 2pt"><FONT STYLE="font-size: 10pt">Interim valuation date<SUP>1, 2</SUP></FONT></TD>
    <TD STYLE="padding-top: 2pt; padding-bottom: 2pt"><FONT STYLE="font-size: 10pt">November 6, 2026</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-top: 2pt; padding-bottom: 2pt"><FONT STYLE="font-size: 10pt">Call settlement date<SUP>1, 2</SUP></FONT></TD>
    <TD STYLE="padding-top: 2pt; padding-bottom: 2pt"><FONT STYLE="font-size: 10pt">November 10, 2026</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-top: 2pt; padding-bottom: 2pt"><FONT STYLE="font-size: 10pt">Call price</FONT></TD>
    <TD STYLE="padding-top: 2pt; padding-bottom: 2pt">
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 4.3pt 0pt 0">The call price will be calculated based on the following
formula:</P>
    <P STYLE="padding-top: 2pt; font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 4.3pt 0pt 0pt">$10.00 + call return</P></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-top: 2pt; padding-bottom: 2pt"><FONT STYLE="font-size: 10pt">Call return</FONT></TD>
    <TD STYLE="padding-top: 2pt; padding-bottom: 2pt"><FONT STYLE="font-size: 10pt">39.50% (or $3.95 per security)</FONT></TD></TR>
  </TABLE>
<P STYLE="margin-top: 0; margin-bottom: 0">&nbsp;</P>

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


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

<!-- Field: Rule-Page --><DIV ALIGN="LEFT" STYLE="margin-top: 3pt; margin-bottom: 3pt"><DIV STYLE="border-top: Black 1pt solid; font-size: 1pt; width: 15%">&nbsp;</DIV></DIV><!-- Field: /Rule-Page -->




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

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0in"><SUP>1</SUP> Expected. In the event that we make any
changes to the expected trade date and settlement date, the valuation dates, call settlement date and maturity date may be changed to
ensure that the stated term of the securities remains the same.</P>

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0in"><SUP>2</SUP> Subject to postponement as described
under &ldquo;Description of the Securities&mdash;Consequences of a Market Disruption Event; Postponement of a Valuation Date&rdquo; in
the accompanying product supplement.</P>

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0in"><B>INVESTING IN THE SECURITIES INVOLVES SIGNIFICANT
RISKS. YOU MAY LOSE A SUBSTANTIAL PORTION OR ALL OF YOUR INITIAL INVESTMENT. ANY PAYMENT ON THE SECURITIES, INCLUDING ANY REPAYMENT OF
THE STATED PRINCIPAL AMOUNT AT MATURITY, IS SUBJECT TO THE CREDITWORTHINESS OF THE ISSUER AND THE GUARANTOR. IF CITIGROUP GLOBAL MARKETS
HOLDINGS INC. AND CITIGROUP INC. WERE TO DEFAULT ON THEIR OBLIGATIONS, YOU MIGHT NOT RECEIVE ANY AMOUNTS OWED TO YOU UNDER THE SECURITIES
AND YOU COULD LOSE YOUR ENTIRE INVESTMENT.</B></P>

</DIV>


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

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

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-top: 2pt; width: 39%; padding-bottom: 2pt"><FONT STYLE="font-size: 10pt">Payment at maturity (per $10.00 stated principal amount of securities)</FONT></TD>
    <TD STYLE="padding-top: 2pt; width: 61%; padding-bottom: 2pt">
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B>If the securities are not automatically called and the underlying
return is zero or positive,</B> Citigroup Global Markets Holdings Inc. will pay you a cash payment per $10.00 stated principal amount
of securities that provides you with the stated principal amount of $10.00 plus a return equal to the underlying return multiplied by
1.75, calculated as follows:</P>
    <P STYLE="padding-top: 2pt; font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0pt 0pt 0.2in">$10.00 &times; [1 + (underlying return
&times; upside gearing)]</P>
    <P STYLE="padding-top: 2pt; font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt"><B>If securities are not automatically called and
the underlying return is negative,</B> Citigroup Global Markets Holdings Inc. will pay you a cash payment at maturity less than the stated
principal amount of $10.00 per security, resulting in a loss on the stated principal amount that is proportionate to the percentage decline
in the price of the underlying, calculated as follows:</P>
    <P STYLE="padding-top: 2pt; font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0pt 0pt 0.2in">$10.00 &times; (1 + underlying return)</P>
    <P STYLE="padding-top: 2pt; font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt"><B>In this scenario, you will be exposed to the full negative underlying
return, and you will lose some or all of the stated principal amount in an amount proportionate to the percentage decline in the underlying.</B></P></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-top: 2pt; padding-bottom: 2pt"><FONT STYLE="font-size: 10pt">Underlying return</FONT></TD>
    <TD STYLE="padding-top: 2pt; text-align: center; padding-bottom: 2pt"><FONT STYLE="font-size: 10pt"><U>final underlying price &ndash; initial underlying price<BR>
</U>initial underlying price</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-top: 2pt; padding-bottom: 2pt"><FONT STYLE="font-size: 10pt">Initial underlying price</FONT></TD>
    <TD STYLE="padding-top: 2pt; padding-bottom: 2pt"><FONT STYLE="font-size: 10pt">The closing price of the underlying on the strike date, as specified on the cover page of this pricing supplement.</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-top: 2pt; padding-bottom: 2pt"><FONT STYLE="font-size: 10pt">Final underlying price</FONT></TD>
    <TD STYLE="padding-top: 2pt; padding-bottom: 2pt"><FONT STYLE="font-size: 10pt">The arithmetic average of the closing prices of the underlying on the valuation dates.</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-top: 2pt; padding-bottom: 2pt"><FONT STYLE="font-size: 10pt">Calculation agent</FONT></TD>
    <TD STYLE="padding-top: 2pt; padding-bottom: 2pt"><FONT STYLE="font-size: 10pt">The calculation agent for the securities will be CGMI, or any successor appointed by us. The calculation agent is obligated to carry out its duties and functions in good faith using its commercially reasonable judgment.</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-top: 2pt; padding-bottom: 2pt"><FONT STYLE="font-size: 10pt">Permitted dividend&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 2pt; padding-bottom: 2pt"><FONT STYLE="font-size: 10pt">Notwithstanding the information set forth in the accompany product supplement under &ldquo;Description of the Securities&mdash;Certain Additional Terms for Securities Linked to an Underlying Company or an Underlying ETF&mdash;Dilution and Reorganization Adjustments&mdash;Certain Extraordinary Cash Dividends,&rdquo; a &ldquo;permitted dividend&rdquo; is&nbsp;&nbsp;(1) any distribution of cash, by dividend or otherwise, to all holders of shares of the underlying other than a dividend or other distribution that the calculation agent determines, in good faith and using commercially reasonable judgment, is (a) by its terms or declared intent, declared and paid outside the normal dividend policy or historical dividend practice of the underlying or (b) a payment by the underlying that the underlying announces will be an extraordinary dividend and (2) any cash dividend or distribution made in the form of a fixed cash equivalent value for which the holders of shares of the underlying have the option to receive either a number of shares of the underlying or a fixed amount of cash.</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"></P>

</DIV>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; font: 10pt Arial, Helvetica, Sans-Serif; width: 100%">
<TR STYLE="vertical-align: top; text-align: left">
  <TD STYLE="width: 100%">&nbsp;</TD></TR>
</TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"></P>
<!-- Field: Page; Sequence: 4; Value: 2 -->
    <DIV STYLE="margin-top: 6pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: center; margin-top: 0pt; margin-bottom: 0pt">PS-<!-- Field: Sequence; Type: Arabic; Name: PageNo -->4<!-- Field: /Sequence --></P></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="font-family: Arial, Helvetica, Sans-Serif; margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

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

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

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; background-color: #DBAA35; border-collapse: collapse">
  <TR STYLE="background-color: #5A6F89">
    <TD STYLE="width: 100%; color: white; font-weight: bold"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: white"><B>
</B></FONT>Investment Timeline</TD></TR>
  </TABLE>
<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
  <TR>
    <TD STYLE="vertical-align: top; width: 3%; border-right: Black 1pt solid">&nbsp;</TD>
    <TD STYLE="width: 41%; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; background-color: #BDC6D4; text-align: center"><FONT STYLE="font-size: 10pt"><B>Strike date:</B></FONT></TD>
    <TD STYLE="vertical-align: top; width: 7%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; width: 49%"><FONT STYLE="font-size: 10pt">The closing price of the underlying (initial underlying price) is observed and the autocall barrier is determined.</FONT></TD></TR>
  <TR>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: center"><IMG SRC="image_001.jpg" ALT="">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD></TR>
  <TR>
    <TD STYLE="vertical-align: top; border-right: Black 1pt solid">&nbsp;</TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; background-color: #BDC6D4; text-align: center"><FONT STYLE="font-size: 10pt"><B>Interim valuation date:</B></FONT></TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top">
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">The securities will be automatically called if the closing price of
    the underlying is equal to or greater than the autocall barrier.&nbsp;&nbsp;</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">If the securities are automatically called, we will pay you on
the call settlement date a cash payment per security equal to the stated principal amount plus the call price and no further amount will
be paid to you.</P></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: center">&nbsp;<IMG SRC="image_001.jpg" ALT=""></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR>
    <TD STYLE="vertical-align: top; border-right: Black 1pt solid">&nbsp;</TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; background-color: #BDC6D4; text-align: center"><FONT STYLE="font-size: 10pt"><B>Valuation dates (if not previously automatically redeemed):</B></FONT></TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top"><FONT STYLE="font-size: 10pt">The final underlying price is determined based on the closing prices of the underlying on each of the valuation dates, beginning on March 20, 2028.</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: center"><IMG SRC="image_001.jpg" ALT="">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR>
    <TD STYLE="vertical-align: top; border-right: Black 1pt solid">&nbsp;</TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; background-color: #BDC6D4; text-align: center"><FONT STYLE="font-size: 10pt"><B>Maturity date:</B></FONT></TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top">
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">The final underlying price is determined on the final valuation date
    and the underlying return is calculated.</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B>If the underlying return is zero or positive,</B> Citigroup Global
    Markets Holdings Inc. will pay you a cash payment per $10.00 stated principal amount of securities that provides you with the stated principal
    amount of $10.00 plus a return equal to the underlying return multiplied by 1.75, calculated as follows:</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.2in">$10.00 &times; [1 + (underlying return &times; upside gearing)]</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.2in">&nbsp;</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B>If the underlying return is negative,</B> Citigroup Global Markets
    Holdings Inc. will pay you a cash payment at maturity less than the stated principal amount of $10.00 per security, resulting in a loss
    on the stated principal amount that is proportionate to the percentage decline in the price of the underlying, calculated as follows:</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.2in">$10.00 &times; (1 + underlying return)</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.2in">&nbsp;</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B>In this scenario, you will be exposed to the full negative underlying
return and you will lose some or all of the stated principal amount in an amount proportionate to the percentage decline in the underlying.</B></P></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"></P>

</DIV>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; font: 10pt Arial, Helvetica, Sans-Serif; width: 100%">
<TR STYLE="vertical-align: top; text-align: left">
  <TD STYLE="width: 100%">&nbsp;</TD></TR>
</TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"></P>
<!-- Field: Page; Sequence: 5; Value: 2 -->
    <DIV STYLE="margin-top: 6pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: center; margin-top: 0pt; margin-bottom: 0pt">PS-<!-- Field: Sequence; Type: Arabic; Name: PageNo -->5<!-- Field: /Sequence --></P></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="font-family: Arial, Helvetica, Sans-Serif; margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; background-color: #DBAA35; border-collapse: collapse">
  <TR STYLE="background-color: #5A6F89">
    <TD STYLE="width: 100%; color: white; font-weight: bold"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: white"><B>
</B></FONT>Summary Risk Factors</TD></TR>
  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">An investment in the securities is significantly riskier than an investment
in conventional debt securities. The securities are subject to all of the risks associated with an investment in our conventional debt
securities (guaranteed by Citigroup Inc.), including the risk that we and Citigroup Inc. may default on our obligations under the securities,
and are also subject to risks associated with the underlying. Accordingly, the securities are suitable only for investors who are capable
of understanding the complexities and risks of the securities. You should consult your own financial, tax and legal advisers as to the
risks of an investment in the securities and the suitability of the securities in light of your particular circumstances.</P>

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">The following is a summary of certain key risk factors for investors
in the securities. You should read this summary together with the more detailed description of risks relating to an investment in the
securities contained in the section &ldquo;Risk Factors Relating to the Securities&rdquo; beginning on page EA-7 in the accompanying product
supplement. You should also carefully read the risk factors included in the accompanying prospectus supplement and in the documents incorporated
by reference in the accompanying prospectus, including Citigroup Inc.&rsquo;s most recent Annual Report on Form 10-K and any subsequent
Quarterly Reports on Form 10-Q, which describe risks relating to the business of Citigroup Inc. more generally.</P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.2in"><FONT STYLE="font-family: Symbol">&uml;</FONT></TD><TD><B>You may lose some or all of your investment &mdash;</B> The securities differ from ordinary debt securities in that we will not
necessarily repay the full stated principal amount of your securities at maturity.&nbsp;&nbsp;If the securities are not automatically
called on the interim valuation date and the final underlying price is less than the initial underlying price, you will lose 1% of the
stated principal amount of the securities for every 1% by which the final underlying price is less than the initial underlying price.
There is no minimum payment at maturity on the securities, and you may lose up to all of your investment in the securities.</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.2in"><FONT STYLE="font-family: Symbol">&uml;</FONT></TD><TD><B>The initial underlying price, set on the strike date, may be higher than the closing price of the underlying on the trade date
&mdash;</B> If the closing price of the underlying on the trade date is less than the initial underlying price set on the strike date,
the terms of the securities may be less favorable to you than the terms of an alternative investment that may be available to you that
offers a similar payout as the securities but with the initial underlying price set on the trade date.</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.2in"><FONT STYLE="font-family: Symbol">&uml;</FONT></TD><TD><B>The securities do not pay interest &mdash;</B> Unlike conventional debt securities, the securities do not pay interest or any other
amounts prior to maturity or earlier automatic call. You should not invest in the securities if you seek current income during the term
of the securities.</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.2in"><FONT STYLE="font-family: Symbol">&uml;</FONT></TD><TD><B>The final underlying price and, consequently the payment at maturity, will be based on averaging over the valuation dates&nbsp;&mdash;</B>
Because your payment at maturity is based on the final underlying price of the underlying, which is the arithmetic average of the closing
prices of the underlying on the valuation dates, your return on the securities may be lower than the percentage change in the price of
the underlying from the strike date to the final valuation date, and could be negative even if the underlying remained flat or appreciated
over the term of the securities.</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.2in"><FONT STYLE="font-family: Symbol">&uml;</FONT></TD><TD><B>The appreciation potential of the securities is limited if the securities are automatically called &mdash; </B>Your potential total
return on the securities upon automatic call is limited to the call return, which will only be received if the securities are called.
If the securities are called prior to maturity, you will not participate in any potential appreciation of the underlying. As a result,
the return on an investment in the securities if the securities are automatically called may be significantly less than the return on
a hypothetical direct investment in the underlying.</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.2in"><FONT STYLE="font-family: Symbol">&uml;</FONT></TD><TD><B>Investing in the securities is not equivalent to investing in the underlying &mdash; </B>You will not have voting rights, rights
to receive any dividends or other distributions or any other rights with respect to the underlying.&nbsp;&nbsp;It is important to understand
that, for purposes of measuring the performance of the underlying, the prices used will not reflect the receipt or reinvestment of dividends
or distributions on the underlying.&nbsp;&nbsp;Dividend or distribution yield on the underlying would be expected to represent a significant
portion of the overall return on a direct investment in the underlying, but will not be reflected in the performance of the underlying
as measured for purposes of the securities (except to the extent that dividends and distributions reduce the price of the underlying).</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.2in"><FONT STYLE="font-family: Symbol">&uml;</FONT></TD><TD><B>The securities may be automatically called prior to maturity</B>&nbsp;<B>&mdash;</B> If the closing price of the underlying on
the interim valuation date is greater than or equal to the autocall barrier, your securities will be automatically called. Thus, the term
of the securities may be limited to as short as approximately one year. If the securities are automatically called prior to maturity,
you may not be able to reinvest your funds in another investment that provides a similar yield with a similar level of risk.</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.2in"><FONT STYLE="font-family: Symbol">&uml;</FONT></TD><TD><B>The probability that the final underlying price will fall below the initial underlying price will depend in part on the volatility
of the underlying &mdash;&nbsp;</B>&ldquo;Volatility&rdquo; refers to the frequency and magnitude of changes in the price of the underlying.&nbsp;&nbsp;In
general, the greater the volatility of the underlying, the greater the probability that the underlying will experience a large decline
over the term of the securities and that the final underlying price will fall below the initial underlying price.&nbsp;&nbsp;The underlying
has historically experienced significant volatility.&nbsp;&nbsp;As a result, there is a significant risk that the final underlying price
will fall below the initial underlying price and that you will incur a significant loss on your investment in the securities.&nbsp;&nbsp;The
terms of the securities are set, in part, based on expectations about the volatility of the underlying as of the strike date.&nbsp;&nbsp;If
expectations about the volatility of the underlying change over the term of the securities, the value of the securities may be adversely
affected, and if the actual volatility of the underlying proves to be greater than initially expected, the securities may prove to be
riskier than expected on the strike date.</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.2in"><FONT STYLE="font-family: Symbol">&uml;</FONT></TD><TD><B>The securities are subject to the credit risk of Citigroup Global Markets Holdings Inc. and Citigroup Inc. &mdash;</B> Any payment
on the securities will be made by Citigroup Global Markets Holdings Inc. and is guaranteed by Citigroup Inc., and therefore is subject
to the credit risk of both Citigroup Global Markets Holdings Inc. and Citigroup Inc. If we default on our obligations under the securities
and Citigroup Inc. defaults on its guarantee obligations, you may not receive any payments that become due under the securities.&nbsp;&nbsp;As
a result, the value of the securities prior to maturity will be affected by changes in the market&rsquo;s view of our and Citigroup Inc.&rsquo;s
creditworthiness.&nbsp;&nbsp;Any decline, or anticipated decline, in either of our or Citigroup Inc.&rsquo;s credit ratings or increase,
or anticipated increase, in the credit spreads charged by the market for taking either of our or Citigroup Inc.&rsquo;s credit risk is
likely to adversely affect the value of the securities.</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.2in"><FONT STYLE="font-family: Symbol">&uml;</FONT></TD><TD><B>The securities will not be listed on any securities exchange and you may not be able to sell them prior to maturity</B> &mdash;
The securities will not be listed on any securities exchange. Therefore, there may be little or no secondary market for the securities.&nbsp;&nbsp;CGMI</TD></TR></TABLE>

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


<!-- Field: Page; Sequence: 6; Value: 2 -->
    <DIV STYLE="margin-top: 6pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: center; margin-top: 0pt; margin-bottom: 0pt">PS-<!-- Field: Sequence; Type: Arabic; Name: PageNo -->6<!-- Field: /Sequence --></P></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="font-family: Arial, Helvetica, Sans-Serif; margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.2in; text-indent: 0in">currently intends to make a secondary market
in relation to the securities and to provide an indicative bid price for the securities on a daily basis. Any indicative bid price for
the securities provided by CGMI will be determined in CGMI&rsquo;s sole discretion, taking into account prevailing market conditions and
other relevant factors, and will not be a representation by CGMI that the securities can be sold at that price, or at all.&nbsp;&nbsp;CGMI
may suspend or terminate making a market and providing indicative bid prices without notice, at any time and for any reason. If CGMI suspends
or terminates making a market, there may be no secondary market at all for the securities because it is likely that CGMI will be the only
broker-dealer that is willing to buy your securities prior to maturity.&nbsp;&nbsp;Accordingly, an investor must be prepared to hold the
securities until maturity.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.2in; text-indent: 0in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.2in"><FONT STYLE="font-family: Symbol">&uml;</FONT></TD><TD><B>The estimated value of the securities on the trade date, based on CGMI&rsquo;s proprietary pricing models and our internal funding
rate, will be less than the issue price &mdash;</B> The difference is attributable to certain costs associated with selling, structuring
and hedging the securities that are included in the issue price. These costs include (i) the underwriting discount paid in connection
with the offering of the securities, (ii) hedging and other costs incurred by us and our affiliates in connection with the offering of
the securities and (iii) the expected profit (which may be more or less than actual profit) to CGMI or other of our affiliates in connection
with hedging our obligations under the securities. These costs adversely affect the economic terms of the securities because, if they
were lower, the economic terms of the securities would be more favorable to you. The economic terms of the securities are also likely
to be adversely affected by the use of our internal funding rate, rather than our secondary market rate, to price the securities. See
&ldquo;The estimated value of the securities would be lower if it were calculated based on our secondary market rate&rdquo; below.</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.2in"><FONT STYLE="font-family: Symbol">&uml;</FONT></TD><TD><B>The estimated value of the securities was determined for us by our affiliate using proprietary pricing models &mdash;</B> CGMI
derived the estimated value disclosed on the cover page of this pricing supplement from its proprietary pricing models. In doing so, it
may have made discretionary judgments about the inputs to its models, such as the volatility of the underlying, the dividend yield on
the underlying and interest rates. CGMI&rsquo;s views on these inputs may differ from your or others&rsquo; views, and as an underwriter
in this offering, CGMI&rsquo;s interests may conflict with yours. Both the models and the inputs to the models may prove to be wrong and
therefore not an accurate reflection of the value of the securities. Moreover, the estimated value of the securities set forth on the
cover page of this pricing supplement may differ from the value that we or our affiliates may determine for the securities for other purposes,
including for accounting purposes. You should not invest in the securities because of the estimated value of the securities. Instead,
you should be willing to hold the securities to maturity irrespective of the initial estimated value.</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.2in"><FONT STYLE="font-family: Symbol">&uml;</FONT></TD><TD><B>The estimated value of the securities would be lower if it were calculated based on our secondary market rate &mdash;</B> The estimated
value of the securities included in this pricing supplement is calculated based on our internal funding rate, which is the rate at which
we are willing to borrow funds through the issuance of the securities. Our internal funding rate is generally lower than our secondary
market rate, which is the rate that CGMI will use in determining the value of the securities for purposes of any purchases of the securities
from you in the secondary market. If the estimated value included in this pricing supplement were based on our secondary market rate,
rather than our internal funding rate, it would likely be lower. We determine our internal funding rate based on factors such as the costs
associated with the securities, which are generally higher than the costs associated with conventional debt securities, and our liquidity
needs and preferences. Our internal funding rate is not an interest rate that we will pay to investors in the securities, which do not
bear interest.</TD></TR></TABLE>

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.2in">Because there is not an active market for traded instruments
referencing our outstanding debt obligations, CGMI determines our secondary market rate based on the market price of traded instruments
referencing the debt obligations of Citigroup Inc., our parent company and the guarantor of all payments due on the securities, but subject
to adjustments that CGMI makes in its sole discretion. As a result, our secondary market rate is not a market-determined measure of our
creditworthiness, but rather reflects the market&rsquo;s perception of our parent company&rsquo;s creditworthiness as adjusted for discretionary
factors such as CGMI&rsquo;s preferences with respect to purchasing the securities prior to maturity.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.2in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.2in"><FONT STYLE="font-family: Symbol">&uml;</FONT></TD><TD><B>The estimated value of the securities is not an indication of the price, if any, at which CGMI or any other person may be willing
to buy the securities from you in the secondary market &mdash;</B> Any such secondary market price will fluctuate over the term of the
securities based on the market and other factors described in the next risk factor. Moreover, unlike the estimated value included in this
pricing supplement, any value of the securities determined for purposes of a secondary market transaction will be based on our secondary
market rate, which will likely result in a lower value for the securities than if our internal funding rate were used. In addition, any
secondary market price for the securities will be reduced by a bid-ask spread, which may vary depending on the aggregate stated principal
amount of the securities to be purchased in the secondary market transaction, and the expected cost of unwinding related hedging transactions.
As a result, it is likely that any secondary market price for the securities will be less than the issue price.</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.2in"><FONT STYLE="font-family: Symbol">&uml;</FONT></TD><TD><B>The value of your securities prior to maturity will fluctuate based on many unpredictable factors &mdash;</B> As described under
&ldquo;Valuation of the securities&rdquo; below, the payout on the securities could be replicated by a hypothetical package of financial
instruments consisting of a fixed-income bond and one or more derivative instruments.&nbsp;&nbsp;As a result, the factors that influence
the values of fixed-income bonds and derivative instruments will also influence the terms of the securities at issuance and the value
of the securities prior to maturity.&nbsp;&nbsp;Accordingly, the value of your securities prior to maturity will fluctuate based on the
price of the underlying and a number of other factors, including those described below.&nbsp;&nbsp;Some of these factors are interrelated
in complex ways.&nbsp;&nbsp;As a result, the effect of any one factor may be offset or magnified by the effect of another factor. The
paragraphs below describe what we expect to be the impact on the value of the securities of a change in a specific factor, assuming all
other conditions remain constant.&nbsp;&nbsp;You should understand that the value of your securities at any time prior to maturity may
be significantly less than the stated principal amount.</TD></TR></TABLE>

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: 0in"><I>Price of the underlying.&nbsp;&nbsp;</I>We
expect that the value of the securities at any time will depend substantially on the price of the underlying at that time.&nbsp;&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: 0in">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: 0in">The price of the underlying will be influenced
by the results of operations of the underlying issuer and by complex and interrelated political, economic, financial and other factors
that can affect the capital markets generally or the market segment of which the underlying issuer is a part. Our, or our counterparties',
hedging activity in the underlying, the issuance of other securities similar to the securities and trading and other activities by us,
our affiliates or other market participants can also affect the price of the underlying.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: 0in">&nbsp;</P>


<!-- Field: Page; Sequence: 7; Value: 2 -->
    <DIV STYLE="margin-top: 6pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: center; margin-top: 0pt; margin-bottom: 0pt">PS-<!-- Field: Sequence; Type: Arabic; Name: PageNo -->7<!-- Field: /Sequence --></P></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="font-family: Arial, Helvetica, Sans-Serif; margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: 0in"><I>Volatility of the underlying.</I><B>&nbsp;&nbsp;</B>If
the expected volatility of the underlying increases during the term of the securities, the value of the securities is likely to decrease
because of a perceived increase in the likelihood that the final underlying price will be less than the initial underlying price.&nbsp;&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: 0in">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: 0in"><I>Dividend yield on the underlying.</I>&nbsp;&nbsp;If
the dividend yield on the underlying increases, we expect that the value of the securities may decrease.&nbsp;&nbsp;You will not be entitled
to receive any dividends paid on the underlying during the term of the securities and the value of any shares of the underlying you may
receive at maturity will generally not reflect the value of such dividend payments.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: 0in">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: 0in"><I>Interest rates. </I>We expect that the
value of the securities will be affected by changes in U.S. interest rates. In general, if U.S. interest rates increase, the value of
the securities may decrease.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: 0in">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: 0in"><I>Time remaining to maturity.</I>&nbsp;&nbsp;At
any given time, a portion of the value of the securities will be attributable to time value, which is based on the amount of time then
remaining to maturity.&nbsp;&nbsp;If you are able to sell the securities at any time prior to maturity, you will be giving up any increase
in the time value of the securities that may result as the time remaining to maturity shortens.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: 0in">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: 0in"><I>Creditworthiness of Citigroup Global
Markets Holdings Inc. and Citigroup Inc. </I>The securities are subject to the credit risk of Citigroup Global Markets Holdings Inc. and
Citigroup Inc. Therefore, actual or anticipated changes in the creditworthiness of Citigroup Global Markets Holdings Inc. and Citigroup
Inc., as reflected in our secondary market rate, may affect the value of the securities.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: 0in">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.25in; text-indent: 0in">It is important for you to understand that
the impact of one of the factors specified above may offset, or magnify, some or all of any change in the value of the securities attributable
to another factor.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.25in; text-indent: 0in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.2in"><FONT STYLE="font-family: Symbol">&uml;</FONT></TD><TD><B>Immediately following issuance, any secondary market bid price provided by CGMI, and the value that will be indicated on any brokerage
account statements prepared by CGMI or its affiliates, will reflect a temporary upward adjustment &mdash;</B> The amount of this temporary
upward adjustment will decline to zero over the temporary adjustment period. See &ldquo;Valuation of the Securities&rdquo; in this pricing
supplement.</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.2in"><FONT STYLE="font-family: Symbol">&uml;</FONT></TD><TD><B>Our offering of the securities does not constitute a recommendation of the underlying &mdash;</B> You should not take our offering
of the securities as an expression of our views about how the underlying will perform in the future or as a recommendation to invest in
the underlying, including through an investment in the securities.&nbsp;&nbsp;As we are part of a global financial institution, our affiliates
may, and often do, have positions (including short positions) in the underlying that conflict with an investment in the securities.&nbsp;&nbsp;You
should undertake an independent determination of whether an investment in the securities is suitable for you in light of your specific
investment objectives, risk tolerance and financial resources.</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.2in"><FONT STYLE="font-family: Symbol">&uml;</FONT></TD><TD><B>Single equity risk &mdash; </B>The return on the securities, which may be negative, is directly linked to the performance of the
underlying. The price of the underlying can rise or fall sharply due to factors specific to that underlying and the underlying issuer,
such as stock price volatility, earnings, financial conditions, corporate, industry and regulatory developments, management changes and
decisions and other events, as well as general stock market volatility and levels, interest rates and economic and political conditions.
You, as an investor in the securities, should make your own investigation into the underlying issuer and the underlying. For additional
information regarding the underlying issuer, please see the section &ldquo;Molina Healthcare, Inc.&rdquo; in this pricing supplement and
the underlying issuer&rsquo;s SEC filings referred to in that section. We urge you to review financial and other information filed periodically
by the underlying issuer with the SEC.</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.2in"><FONT STYLE="font-family: Symbol">&uml;</FONT></TD><TD><B>Any research, opinions or recommendations published or made by CGMI, UBS or their respective affiliates may be inconsistent with
an investment in the securities or with each other &mdash;</B> CGMI, UBS or their respective affiliates and agents may publish research
from time to time on financial markets and other matters that may influence the value of the securities, or express opinions or provide
recommendations that are inconsistent with purchasing or holding the securities.&nbsp;&nbsp;Any research, opinions or recommendations
expressed by CGMI, UBS or their respective affiliates or agents may not be consistent with each other and may be modified from time to
time without notice. You should make your own independent investigation of the merits of investing in the securities.</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.2in"><FONT STYLE="font-family: Symbol">&uml;</FONT></TD><TD><B>We or our affiliates, or UBS or its affiliates, may have economic interests that are adverse to those of the holders of the securities
as a result of their respective business activities &mdash;</B> Our affiliates, or UBS or its affiliates, may currently or from time to
time engage in business with the underlying issuer.&nbsp;&nbsp;These activities may include extending loans to, making equity investments
in or providing advisory services to the underlying issuer, including merger and acquisition advisory services.&nbsp;&nbsp;In the course
of this business, we or our affiliates, or UBS or its affiliates, may acquire non-public information about the underlying issuer, which
will not be disclosed to you.&nbsp;&nbsp;Any prospective purchaser of the securities should undertake an independent investigation of
the underlying issuer as in its judgment is appropriate to make an informed decision with respect to an investment in the securities.
We do not make any representation or warranty to any purchaser of the securities with respect to any matters whatsoever relating to our
affiliates&rsquo; business with the underlying issuer.</TD></TR></TABLE>

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.2in; text-indent: 0in">If any of our affiliates, or if UBS or any
of its affiliates, is or becomes a creditor of the underlying issuer or otherwise enter into any transaction with the underlying issuer
in the course of our business, they may exercise remedies against the underlying issuer without regard to the impact on your interests
as a holder of the securities.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.2in; text-indent: 0in">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.2in; text-indent: 0in">Additionally, we or one of our affiliates,
or UBS or one of its affiliates, may serve as issuer, agent or underwriter for issuances of other securities or financial instruments
with returns linked or related to changes in the price of the underlying.&nbsp;&nbsp;To the extent that we or one of our affiliates, or
UBS or one of its affiliates, does so, our or their interests with respect to these products may be adverse to those of the holders of
the securities.&nbsp;&nbsp;By introducing competing products into the marketplace in this manner, we or one or more of our affiliates,
or UBS or one or more of its affiliates, could adversely affect the value of the securities.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.2in; text-indent: 0in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.2in"><FONT STYLE="font-family: Symbol">&uml;</FONT></TD><TD><B>The historical performance of the underlying is not an indication of the future performance of the underlying &mdash; </B>The historical
performance of the underlying, which is included in this pricing supplement under &ldquo;Molina Healthcare, Inc.&rdquo; below, should
not be taken as an indication of the future performance of the underlying during the term of the securities. Changes in the price of the
underlying will affect the value of the securities and the payments you will receive on the securities, but it is impossible to predict
whether the price of the underlying will fall or rise.</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.2in"><FONT STYLE="font-family: Symbol">&uml;</FONT></TD><TD><B>You will have no rights against the underlying issuer, and you will not receive dividends on the underlying &mdash; </B>As a holder
of the securities, you will not be entitled to any rights with respect to the underlying or the underlying issuer, including voting rights
and rights to</TD></TR></TABLE>

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


<!-- Field: Page; Sequence: 8; Value: 2 -->
    <DIV STYLE="margin-top: 6pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: center; margin-top: 0pt; margin-bottom: 0pt">PS-<!-- Field: Sequence; Type: Arabic; Name: PageNo -->8<!-- Field: /Sequence --></P></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="font-family: Arial, Helvetica, Sans-Serif; margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.2in; text-indent: 0in">receive any dividends or other distributions
on the underlying, but you will be subject to all changes affecting the underlying. The underlying issuer is not involved in the offering
of the securities in any way, and the underlying issuer does not have any obligation to consider your interests as a holder of securities.&nbsp;&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.2in; text-indent: 0in">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.2in; text-indent: 0in">For example, in the event that an amendment
is proposed to the underlying issuer's certificate of incorporation or by-laws requiring stockholder approval, you will not be entitled
to vote on the amendment.&nbsp;&nbsp;Any such change to the shares of the underlying may adversely affect their price, which will adversely
affect the value of the securities and increase the likelihood that you lose money on your investment.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.2in; text-indent: 0in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.2in"><FONT STYLE="font-family: Symbol">&uml;</FONT></TD><TD><B>We have no affiliation with the underlying issuer and are not responsible for its public disclosures &mdash; </B>We are not affiliated
with the underlying issuer, and the underlying issuer is not involved in this offering of the securities in any way.&nbsp;&nbsp;Consequently,
we have no control over the actions of the underlying issuer, including any corporate actions of the type that would require the calculation
agent to adjust what you will receive at maturity.&nbsp;&nbsp;The underlying issuer does not have any obligation to consider your interests
as an investor in the securities in taking any corporate actions that might affect the value of your securities.&nbsp;&nbsp;None of the
money you pay for the securities will go to the underlying issuer.</TD></TR></TABLE>

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.2in; text-indent: 0in">In addition, as we are not affiliated with
the underlying issuer, we do not assume any responsibility for the accuracy or adequacy of any information about the underlying or the
underlying issuer contained in the underlying issuer&rsquo;s public disclosures.&nbsp;&nbsp;We have made no &ldquo;due diligence&rdquo;
or other investigation into the underlying issuer.&nbsp;&nbsp;As an investor in the securities, you should make your own investigation
into the underlying issuer.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.2in; text-indent: 0in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.2in"><FONT STYLE="font-family: Symbol">&uml;</FONT></TD><TD><B>The securities will not be adjusted for all events that could affect the price of the underlying &mdash; </B>Certain events may
occur during the term of the securities that have a dilutive effect on the value of the underlying or otherwise adversely affect the price
of the underlying.&nbsp;&nbsp;The calculation agent will make certain adjustments for some of these events, as described in the accompanying
product supplement.&nbsp;&nbsp;However, an adjustment will not be made for all events that could have a dilutive or adverse effect on
the underlying or its price, such as ordinary dividends, share repurchases, partial tender offers or additional public offerings of shares
of the underlying by the underlying issuer, and the adjustments that are made may not fully offset the dilutive or adverse effect of the
particular event.&nbsp;&nbsp;Accordingly, the occurrence of any event that has a dilutive or adverse effect on the underlying may make
it more likely that the closing price of the underlying declines below the initial underlying price on the valuation dates, and in that
case, reduce the payment that you would receive at maturity.&nbsp;&nbsp;Unlike an investor in the securities, a direct holder of shares
of the underlying may receive an offsetting benefit from any such event that may not be reflected in an adjustment to the terms of the
securities, and so you may experience dilution or adverse consequences in a circumstance in which a direct holder would not.</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.2in"><FONT STYLE="font-family: Symbol">&uml;</FONT></TD><TD><B>If the underlying is delisted, we may call the securities prior to maturity &mdash; </B>If the underlying is delisted from its
exchange (other than in connection with a reorganization event) and not then or immediately thereafter listed on a U.S. national securities
exchange, we will have the right to call the securities prior to the maturity date.&nbsp;&nbsp;If we exercise this call right, you will
receive the amount described in the accompanying product supplement. This amount may be less, and possibly significantly less, than the
stated principal amount of the securities and/or the total amount you would have received under the securities had you continued to hold
your securities to maturity or earlier automatic call.</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.2in"><FONT STYLE="font-family: Symbol">&uml;</FONT></TD><TD><B>The securities may become linked to shares of an issuer other than the original underlying issuer &mdash; </B>In connection with
certain reorganization events described in the accompanying product supplement, the securities may become linked to shares of an issuer
other than the original underlying issuer.&nbsp;&nbsp;For example, if the underlying issuer enters into a merger agreement with another
issuer that provides for holders of shares of the underlying to receive shares of the other issuer, the securities will become linked
to such other shares upon consummation of the merger.&nbsp;&nbsp;In any such case, the closing price of the underlying will be determined
by reference to the closing price of the other shares.&nbsp;&nbsp;You may not wish to have investment exposure to the shares of any other
issuer to which the securities may become linked and may not have bought the securities had they been linked to such other shares from
the beginning.</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.2in"><FONT STYLE="font-family: Symbol">&uml;</FONT></TD><TD><B>The calculation agent, which is an affiliate of ours, will make important determinations with respect to the securities &mdash;
</B>As calculation agent, CGMI, our affiliate, will determine whether the securities are automatically called and, if not, what you will
receive at maturity.&nbsp;&nbsp;In addition, if certain events occur, CGMI will be required to make certain discretionary judgments that
could significantly affect whether the securities are automatically called or what you will receive at maturity of the securities.&nbsp;&nbsp;In
making these judgments, CGMI&rsquo;s interests as an affiliate of ours could be adverse to your interests as a holder of the securities.&nbsp;&nbsp;Such
judgments could include, among other things:</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.2in"></TD><TD STYLE="width: 0.2in"><FONT STYLE="font-family: Symbol">&uml;</FONT></TD><TD>determining whether a market disruption event with respect to the underlying has occurred;</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.2in"></TD><TD STYLE="width: 0.2in"><FONT STYLE="font-family: Symbol">&uml;</FONT></TD><TD>if a market disruption event occurs on any valuation date, determining whether to postpone the valuation date, as described under
&ldquo;Description of the Securities&mdash;Consequences of a Market Disruption Event; Postponement of a Valuation Date&rdquo; in the accompanying
product supplement;</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.2in"></TD><TD STYLE="width: 0.2in"><FONT STYLE="font-family: Symbol">&uml;</FONT></TD><TD>determining the price of the underlying if the price of the underlying is not otherwise available or a market disruption event has
occurred;</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.2in"></TD><TD STYLE="width: 0.2in"><FONT STYLE="font-family: Symbol">&uml;</FONT></TD><TD>determining the appropriate adjustments to be made to the terms of the securities upon the occurrence of an event described under
&ldquo;Description of the Securities&mdash;Certain Additional Terms for Securities Linked to an Underlying Company or an Underlying ETF&mdash;Dilution
and Reorganization Adjustments&rdquo; in the accompanying product supplement; and</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.2in"></TD><TD STYLE="width: 0.2in"><FONT STYLE="font-family: Symbol">&uml;</FONT></TD><TD>if the underlying is delisted and we do not exercise our call right, determining whether to select a successor company and, if so,
which company to select as the successor company (see &ldquo;Description of the Securities&mdash;Certain Additional Terms for Securities
Linked to an Underlying Company or an Underlying ETF&mdash;Delisting of an Underlying Company&rdquo; in the accompanying product supplement).</TD></TR></TABLE>

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.25in; text-indent: 0in">Any of these determinations made by CGMI,
in its capacity as Calculation Agent, may adversely affect your return on the securities.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.25in; text-indent: 0in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.2in"><FONT STYLE="font-family: Symbol">&uml;</FONT></TD><TD><B>The U.S. federal tax consequences of an investment in the securities are unclear &mdash;</B> There is no direct legal authority
regarding the proper U.S. federal tax treatment of the securities, and we do not plan to request a ruling from the Internal Revenue Service
(the &ldquo;IRS&rdquo;).&nbsp;&nbsp;Consequently, significant aspects of the tax treatment of the securities are uncertain, and the IRS
or a court might not agree with the</TD></TR></TABLE>

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


<!-- Field: Page; Sequence: 9; Value: 2 -->
    <DIV STYLE="margin-top: 6pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: center; margin-top: 0pt; margin-bottom: 0pt">PS-<!-- Field: Sequence; Type: Arabic; Name: PageNo -->9<!-- Field: /Sequence --></P></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="font-family: Arial, Helvetica, Sans-Serif; margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.2in; text-indent: 0in">treatment of the securities as prepaid forward
contracts.&nbsp;&nbsp;If the IRS were successful in asserting an alternative treatment of the securities, the tax consequences of the
ownership and disposition of the securities might be materially and adversely affected.&nbsp;&nbsp;Moreover, future legislation, Treasury
regulations or IRS guidance could adversely affect the U.S. federal tax treatment of the securities, possibly retroactively.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.2in; text-indent: 0in">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.2in; text-indent: 0in">If you are a non-U.S. investor, you should
review the discussion of withholding tax issues in &ldquo;United States Federal Tax Considerations&mdash;Non-U.S. Holders&rdquo; below.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.2in; text-indent: 0in">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.2in; text-indent: 0in">You should read carefully the discussion
under &ldquo;United States Federal Tax Considerations&rdquo; and &ldquo;Risk Factors Relating to the Securities&rdquo; in the accompanying
product supplement and &ldquo;United States Federal Tax Considerations&rdquo; in this pricing supplement.&nbsp;&nbsp;You should also consult
your tax adviser regarding the U.S. federal tax consequences of an investment in the securities, as well as tax consequences arising under
the laws of any state, local or non-U.S. taxing jurisdiction.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.2in; text-indent: 0in">&nbsp;</P>


<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 10pt Symbol">&nbsp;</P>

<!-- Field: Page; Sequence: 10; Value: 2 -->
    <DIV STYLE="margin-top: 6pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: center; margin-top: 0pt; margin-bottom: 0pt">PS-<!-- Field: Sequence; Type: Arabic; Name: PageNo -->10<!-- Field: /Sequence --></P></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="font-family: Arial, Helvetica, Sans-Serif; margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Symbol; margin-top: 0pt; margin-bottom: 0pt"></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; background-color: #DBAA35; border-collapse: collapse">
  <TR STYLE="background-color: #5A6F89">
    <TD STYLE="width: 100%; color: white; font-weight: bold"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B>
</B></FONT>Hypothetical Examples of Payment at Automatic Call</TD></TR>
  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><B>Hypothetical terms only. Actual terms may vary.
See the cover page for actual offering terms.</B></P>

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">The examples below illustrate the hypothetical payment upon automatic
call for a $10.00 stated principal amount with the following assumptions*:</P>

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 34%; border: Black 1pt solid">Stated principal amount:</TD>
    <TD STYLE="width: 66%; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid">$10.00</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid">Term:</TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid">29 months (unless earlier called)</TD></TR>
  <TR>
    <TD STYLE="vertical-align: top; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid">Hypothetical initial underlying price:</TD>
    <TD STYLE="border-right: Black 1pt solid">$100.00</TD></TR>
  <TR>
    <TD STYLE="vertical-align: top; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid">Hypothetical autocall barrier:</TD>
    <TD STYLE="border-top: Black 1pt solid; border-right: Black 1pt solid">$110.00 (which, with respect to the underlying, is 110% of the hypothetical initial underlying price)</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid">Call return: </TD>
    <TD STYLE="border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid">39.50%</TD></TR>
  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B>*<I>(i) T<FONT STYLE="background-color: white">he</FONT> hypothetical
initial underlying price does not represent the actual initial underlying price. The examples below are based on the above hypothetical
values and do not reflect the actual initial underlying price or autocall barrier. For the actual initial underlying price and autocall
barrier, see the cover page of this pricing supplement. We have used these hypothetical values, rather than the actual values, to simplify
the calculations and aid understanding of how the securities work. However, you should understand that any actual payments on the securities
will be calculated based on the actual initial underlying price and autocall barrier, and not on the hypothetical values indicated above.</I></B></P>

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B>Example 1 &mdash; The securities are automatically called on the
interim valuation date.</B></P>

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif; border-collapse: collapse">
  <TR>
    <TD ROWSPAN="2" STYLE="width: 38%; border: Black 1pt solid">Closing price of the underlying on the interim valuation date:</TD>
    <TD STYLE="vertical-align: bottom; width: 62%; border-top: Black 1pt solid; border-right: Black 1pt solid">$115.00 (<B>at or above</B> autocall barrier) </TD></TR>
  <TR>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid">&nbsp;</TD></TR>
  <TR>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid">Call price (per $10.00 stated principal amount):</TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid">$13.95</TD></TR>
  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">In this example, the closing price of the underlying is greater than
the autocall barrier on the interim valuation date. The securities would be called on the interim valuation date and we would pay you
on the call settlement date a total call price of $13.95 per $10.00 stated principal amount for a total return of 39.50% on the securities.
You will not receive any further payments on the securities.</P>

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B>Example 2 &mdash; The securities are automatically called on the
interim valuation date.</B></P>

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif; border-collapse: collapse">
  <TR>
    <TD ROWSPAN="2" STYLE="width: 38%; border: Black 1pt solid">Closing price of the underlying on the interim valuation date:</TD>
    <TD STYLE="vertical-align: bottom; width: 62%; border-top: Black 1pt solid; border-right: Black 1pt solid">$150.00 (<B>at or above</B> autocall barrier) </TD></TR>
  <TR>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid">&nbsp;</TD></TR>
  <TR>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid">Call price (per $10.00 stated principal amount):</TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid">$13.95</TD></TR>
  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">In this example, the closing price of the underlying is greater than
the autocall barrier on the interim valuation date. The securities would be called on the interim valuation date and we would pay you
on the call settlement date a total call price of $13.95 per $10.00 stated principal amount for a total return of 39.50% on the securities.
In this example, an investment in the securities would underperform a hypothetical alternative investment providing 1-to-1 exposure to
the appreciation of the underlying. You will not receive any further payments on the securities.</P>

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


<!-- Field: Page; Sequence: 11; Value: 2 -->
    <DIV STYLE="margin-top: 6pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: center; margin-top: 0pt; margin-bottom: 0pt">PS-<!-- Field: Sequence; Type: Arabic; Name: PageNo -->11<!-- Field: /Sequence --></P></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="font-family: Arial, Helvetica, Sans-Serif; margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; background-color: #DBAA35; border-collapse: collapse">
  <TR STYLE="background-color: #5A6F89">
    <TD STYLE="width: 100%; color: white; font-weight: bold"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B>
</B></FONT>Hypothetical Examples of Payment at Maturity</TD></TR>
  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><B>Hypothetical terms only. Actual terms may vary.
See the cover page for actual offering terms.</B></P>

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">The diagram below illustrates your hypothetical payment at maturity
for a range of hypothetical underlying returns. The examples below assume that the securities are not automatically called on the interim
valuation date. If the securities are automatically called, you will receive the stated principal amount plus the call return on the call
settlement date.</P>

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><IMG SRC="image_003.gif" ALT="" STYLE="height: 350px; width: 522px"></P>

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">The following table and hypothetical examples below illustrate the payment
at maturity per $10.00 stated principal amount of securities for a hypothetical range of performances for the underlying from -100.00%
to +100.00% and assume an initial underlying price of $100.00 and no earlier automatic call. The hypothetical payment at maturity examples
set forth below are for illustrative purposes only and may not be the actual returns applicable to a purchaser of the securities. The
actual payment at maturity will be determined based on the final underlying price.&nbsp;&nbsp;You should consider carefully whether the
securities are suitable to your investment goals. The numbers appearing in the table and in the examples below have been rounded for ease
of analysis.</P>

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

<TABLE CELLSPACING="0" CELLPADDING="0" ALIGN="CENTER" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 85%; border-collapse: collapse">
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="width: 25%; border: Black 1pt solid; text-align: center"><B>Final Underlying Price</B></TD>
    <TD STYLE="width: 25%; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center"><B>Underlying Return</B></TD>
    <TD STYLE="width: 25%; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center"><B>Payment at Maturity</B></TD>
    <TD STYLE="width: 25%; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center"><B>Total Return on Securities at Maturity<SUP>(1)</SUP></B></TD></TR>
  <TR>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; text-align: center">$200.00</TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">100.00%</TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">$27.500</TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">175.00%</TD></TR>
  <TR>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; text-align: center">$175.00</TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">75.00%</TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">$23.125</TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">131.25%</TD></TR>
  <TR>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; text-align: center">$150.00</TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">50.00%</TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">$18.750</TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">87.50%</TD></TR>
  <TR>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; text-align: center">$125.00</TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">25.00%</TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">$14.375</TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">43.75%</TD></TR>
  <TR STYLE="background-color: #BDC6D4">
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; text-align: center">$100.00</TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">0.00%</TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">$10.000</TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">0.00%</TD></TR>
  <TR>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; text-align: center">$90.00</TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">-10.00%</TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">$9.000</TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">-10.00%</TD></TR>
  <TR>
    <TD STYLE="vertical-align: top; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; text-align: center">$80.00</TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">-20.00%</TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">$8.000</TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">-20.00%</TD></TR>
  <TR>
    <TD STYLE="vertical-align: top; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; text-align: center">$70.00</TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">-30.00%</TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">$7.000</TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">-30.00%</TD></TR>
  <TR>
    <TD STYLE="vertical-align: top; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; text-align: center">$60.00</TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">-40.00%</TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">$6.000</TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">-40.00%</TD></TR>
  <TR>
    <TD STYLE="vertical-align: top; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; text-align: center">$50.00</TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">-50.00%</TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">$5.000</TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">-50.00%</TD></TR>
  <TR>
    <TD STYLE="vertical-align: top; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; text-align: center">$40.00</TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">-60.00%</TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">$4.000</TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">-60.00%</TD></TR>
  <TR>
    <TD STYLE="vertical-align: top; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; text-align: center">$30.00</TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">-70.00%</TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">$3.000</TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">-70.00%</TD></TR>
  <TR>
    <TD STYLE="vertical-align: top; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; text-align: center">$20.00</TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">-80.00%</TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">$2.000</TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">-80.00%</TD></TR>
  <TR>
    <TD STYLE="vertical-align: top; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; text-align: center">$10.00</TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">-90.00%</TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">$1.000</TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">-90.00%</TD></TR>
  <TR>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; text-align: center">0.00</TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">-100.00%</TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">$0.000</TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">-100.00%</TD></TR>
  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 49.7pt 0pt 0.75in; text-indent: -4.3pt"><SUP>1</SUP> The &ldquo;Total Return
on Securities at Maturity&rdquo; is calculated as (a) the payment at maturity per security minus the $10.00 issue price per security divided
by (b) the $10.00 issue price per security.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 49.7pt 0pt 0.75in; text-indent: -4.3pt">&nbsp;</P>


<!-- Field: Page; Sequence: 12; Value: 2 -->
    <DIV STYLE="margin-top: 6pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: center; margin-top: 0pt; margin-bottom: 0pt">PS-<!-- Field: Sequence; Type: Arabic; Name: PageNo -->12<!-- Field: /Sequence --></P></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="font-family: Arial, Helvetica, Sans-Serif; margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B>Example 3 &mdash; The final underlying price of $150.00 is greater
than the initial underlying price of $100.00, resulting in an underlying return of 50.00%.</B> Because the underlying return is positive,
Citigroup Global Markets Holdings Inc. would pay you a payment at maturity of $18.75 per $10.00 stated principal amount of securities
(a total return at maturity of 87.50%*), calculated as follows:</P>

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">$10.00 &times; [1 + (underlying return &times; upside
gearing)]</P>

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">$10.00 &times; [1 + (50.00% &times; 1.75)]</P>

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">$10.00 &times; (1 + 87.50%) = $18.75</P>

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B>Example 4 &mdash; The final underlying price of $20.00 is less than
the initial underlying price of $100.00, resulting in an underlying return of -70.00%.</B> Because the underlying return is negative,
Citigroup Global Markets Holdings Inc. would pay you a payment at maturity of $3.00 per $10.00 stated principal amount of securities (a
total return at maturity of -70.00%*), calculated as follows:</P>

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">$10.00 &times; (1 + underlying return)</P>

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">$10.00 &times; (1+ -70.00%) = $3.00</P>

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B><I>If the final underlying price is less than the initial underlying
price, you will be fully exposed to the negative underlying return, resulting in a loss on the stated principal amount that is proportionate
to the percentage decline in the price of the underlying. Under these circumstances, you will lose a significant portion or all of the
stated principal amount at maturity. Any payment on the securities, including any repayment of the stated principal amount at maturity,
is subject to the creditworthiness of the issuer and the guarantor, and if the issuer and the guarantor were to default on their obligations,
you could lose your entire investment.</I></B></P>

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">* The total return at maturity is calculated as (a) the payment at maturity
per security minus the $10.00 issue price per security divided by (b) the $10.00 issue price per security.</P>

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


<!-- Field: Page; Sequence: 13; Value: 2 -->
    <DIV STYLE="margin-top: 6pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: center; margin-top: 0pt; margin-bottom: 0pt">PS-<!-- Field: Sequence; Type: Arabic; Name: PageNo -->13<!-- Field: /Sequence --></P></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="font-family: Arial, Helvetica, Sans-Serif; margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; background-color: #DBAA35; border-collapse: collapse">
  <TR STYLE="background-color: #5A6F89">
    <TD STYLE="width: 100%; color: white; font-weight: bold"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B>
</B></FONT>Molina Healthcare, Inc.</TD></TR>
  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="background-color: white">According to its publicly available
filings with the SEC, Molina Healthcare, Inc. provides managed health care services to individuals and families who receive their care
through the Medicaid and Medicare programs, and through state insurance marketplaces. Information provided to or filed with the SEC by
Molina Healthcare, Inc. pursuant to the Exchange Act can be located by reference to the SEC file number 001-31719. The common stock of
Molina Healthcare, Inc. (Bloomberg ticker: MOH), is listed on the New York Stock Exchange.</FONT></P>

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="background-color: white"><B>Historical Information Regarding
the Common Stock of Molina Healthcare, Inc.</B></FONT></P>

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="background-color: white">The following table sets forth,
for each of the quarterly periods indicated, the high and low closing prices of, and dividends paid on, the common stock of Molina Healthcare,
Inc. from January 2, 2015 through October 23, 2025. The closing price of the common stock of Molina Healthcare, Inc. on October 23, 2025
was $161.00.&nbsp;&nbsp;We obtained the closing prices and other information below from Bloomberg, L.P., without independent verification.
The closing prices and this other information may be adjusted by Bloomberg, L.P. for corporate actions such as stock splits, public offerings,
mergers and acquisitions, spin-offs, delistings and bankruptcy.&nbsp;&nbsp;</FONT></P>

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="background-color: white">Since its inception, the price
of the common stock of Molina Healthcare, Inc. has experienced significant fluctuations. The historical performance of the common stock
of Molina Healthcare, Inc. should not be taken as an indication of future performance, and no assurance can be given as to the closing
prices of the common stock of Molina Healthcare, Inc. during the term of the securities. We cannot give you assurance that the performance
of the common stock of Molina Healthcare, Inc. will result in the return of any of your initial investment. We make no representation
as to the amount of dividends, if any, that Molina Healthcare, Inc. will pay in the future. In any event, as an investor in the securities,
you will not be entitled to receive dividends, if any, that may be payable on the common stock of Molina Healthcare, Inc.</FONT></P>

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

<TABLE CELLSPACING="0" CELLPADDING="0" ALIGN="CENTER" STYLE="width: 90%; font: 10pt Arial, Helvetica, Sans-Serif; border-collapse: collapse">
  <TR STYLE="vertical-align: bottom; background-color: white">
    <TD STYLE="width: 20%; text-align: center"><FONT STYLE="background-color: white"><B>Quarter Begin</B></FONT></TD>
    <TD STYLE="width: 20%; text-align: center"><FONT STYLE="background-color: white"><B>Quarter End</B></FONT></TD>
    <TD STYLE="width: 20%; text-align: center"><FONT STYLE="background-color: white"><B>Quarterly High</B></FONT></TD>
    <TD STYLE="width: 20%; text-align: center"><FONT STYLE="background-color: white"><B>Quarterly Low</B></FONT></TD>
    <TD STYLE="width: 20%; text-align: center"><FONT STYLE="background-color: white"><B>Dividends</B></FONT></TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: white">
    <TD STYLE="border-top: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">01/02/15</TD>
    <TD STYLE="border-top: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">03/31/15</TD>
    <TD STYLE="border-top: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">$67.29</TD>
    <TD STYLE="border-top: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">$49.87</TD>
    <TD STYLE="border-top: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">$0.00000</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: white">
    <TD STYLE="border-bottom: Black 1pt solid; text-align: center">04/01/15</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: center">06/30/15</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: center">$72.74</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: center">$58.23</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: center">$0.00000</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: white">
    <TD STYLE="border-bottom: Black 1pt solid; text-align: center">07/01/15</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: center">09/30/15</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: center">$81.50</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: center">$66.72</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: center">$0.00000</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: white">
    <TD STYLE="border-bottom: Black 1pt solid; text-align: center">10/01/15</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: center">12/31/15</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: center">$69.89</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: center">$55.60</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: center">$0.00000</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: white">
    <TD STYLE="border-bottom: Black 1pt solid; text-align: center">01/04/16</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: center">03/31/16</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: center">$66.24</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: center">$51.13</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: center">$0.00000</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: white">
    <TD STYLE="border-bottom: Black 1pt solid; text-align: center">04/01/16</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: center">06/30/16</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: center">$67.72</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: center">$45.34</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: center">$0.00000</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: white">
    <TD STYLE="border-bottom: Black 1pt solid; text-align: center">07/01/16</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: center">09/30/16</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: center">$58.88</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: center">$48.24</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: center">$0.00000</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: white">
    <TD STYLE="border-bottom: Black 1pt solid; text-align: center">10/03/16</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: center">12/30/16</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: center">$59.60</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: center">$47.53</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: center">$0.00000</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: white">
    <TD STYLE="border-bottom: Black 1pt solid; text-align: center">01/03/17</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: center">03/31/17</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: center">$59.89</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: center">$42.70</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: center">$0.00000</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: white">
    <TD STYLE="border-bottom: Black 1pt solid; text-align: center">04/03/17</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: center">06/30/17</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: center">$71.33</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: center">$46.06</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: center">$0.00000</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: white">
    <TD STYLE="border-bottom: Black 1pt solid; text-align: center">07/03/17</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: center">09/29/17</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: center">$72.05</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: center">$56.78</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: center">$0.00000</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: white">
    <TD STYLE="border-bottom: Black 1pt solid; text-align: center">10/02/17</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: center">12/29/17</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: center">$79.18</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: center">$59.86</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: center">$0.00000</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: white">
    <TD STYLE="border-bottom: Black 1pt solid; text-align: center">01/02/18</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: center">03/29/18</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: center">$93.77</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: center">$71.14</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: center">$0.00000</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: white">
    <TD STYLE="border-bottom: Black 1pt solid; text-align: center">04/02/18</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: center">06/29/18</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: center">$101.48</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: center">$78.76</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: center">$0.00000</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: white">
    <TD STYLE="border-bottom: Black 1pt solid; text-align: center">07/02/18</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: center">09/28/18</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: center">$152.72</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: center">$98.71</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: center">$0.00000</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: white">
    <TD STYLE="border-bottom: Black 1pt solid; text-align: center">10/01/18</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: center">12/31/18</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: center">$148.14</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: center">$107.91</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: center">$0.00000</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: white">
    <TD STYLE="border-bottom: Black 1pt solid; text-align: center">01/02/19</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: center">03/29/19</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: center">$148.29</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: center">$105.90</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: center">$0.00000</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: white">
    <TD STYLE="border-bottom: Black 1pt solid; text-align: center">04/01/19</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: center">06/28/19</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: center">$155.28</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: center">$116.67</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: center">$0.00000</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: white">
    <TD STYLE="border-bottom: Black 1pt solid; text-align: center">07/01/19</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: center">09/30/19</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: center">$144.87</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: center">$107.47</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: center">$0.00000</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: white">
    <TD STYLE="border-bottom: Black 1pt solid; text-align: center">10/01/19</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: center">12/31/19</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: center">$137.92</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: center">$109.48</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: center">$0.00000</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: white">
    <TD STYLE="border-bottom: Black 1pt solid; text-align: center">01/02/20</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: center">03/31/20</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: center">$153.84</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: center">$107.79</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: center">$0.00000</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: white">
    <TD STYLE="border-bottom: Black 1pt solid; text-align: center">04/01/20</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: center">06/30/20</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: center">$186.86</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: center">$131.16</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: center">$0.00000</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: white">
    <TD STYLE="border-bottom: Black 1pt solid; text-align: center">07/01/20</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: center">09/30/20</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: center">$196.01</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: center">$153.07</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: center">$0.00000</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: white">
    <TD STYLE="border-bottom: Black 1pt solid; text-align: center">10/01/20</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: center">12/31/20</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: center">$220.04</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: center">$186.47</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: center">$0.00000</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: white">
    <TD STYLE="border-bottom: Black 1pt solid; text-align: center">01/04/21</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: center">03/31/21</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: center">$243.10</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: center">$202.54</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: center">$0.00000</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: white">
    <TD STYLE="border-bottom: Black 1pt solid; text-align: center">04/01/21</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: center">06/30/21</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: center">$268.74</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: center">$230.67</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: center">$0.00000</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: white">
    <TD STYLE="border-bottom: Black 1pt solid; text-align: center">07/01/21</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: center">09/30/21</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: center">$287.64</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: center">$247.54</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: center">$0.00000</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: white">
    <TD STYLE="border-bottom: Black 1pt solid; text-align: center">10/01/21</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: center">12/31/21</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: center">$324.88</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: center">$269.41</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: center">$0.00000</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: white">
    <TD STYLE="border-bottom: Black 1pt solid; text-align: center">01/03/22</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: center">03/31/22</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: center">$343.43</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: center">$268.28</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: center">$0.00000</TD></TR>
  </TABLE>

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

<!-- Field: Page; Sequence: 14; Value: 2 -->
    <DIV STYLE="margin-top: 6pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: center; margin-top: 0pt; margin-bottom: 0pt">PS-<!-- Field: Sequence; Type: Arabic; Name: PageNo -->14<!-- Field: /Sequence --></P></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="font-family: Arial, Helvetica, Sans-Serif; margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<TABLE CELLSPACING="0" CELLPADDING="0" ALIGN="CENTER" STYLE="width: 90%; font: 10pt Arial, Helvetica, Sans-Serif; border-collapse: collapse">
  <TR STYLE="vertical-align: bottom; background-color: white">
    <TD STYLE="width: 20%; border-top: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">04/01/22</TD>
    <TD STYLE="width: 20%; border-top: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">06/30/22</TD>
    <TD STYLE="width: 20%; border-top: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">$347.53</TD>
    <TD STYLE="width: 20%; border-top: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">$251.75</TD>
    <TD STYLE="width: 20%; border-top: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">$0.00000</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: white">
    <TD STYLE="border-bottom: Black 1pt solid; text-align: center">07/01/22</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: center">09/30/22</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: center">$353.42</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: center">$278.61</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: center">$0.00000</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: white">
    <TD STYLE="border-bottom: Black 1pt solid; text-align: center">10/03/22</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: center">12/30/22</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: center">$369.23</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: center">$312.03</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: center">$0.00000</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: white">
    <TD STYLE="border-bottom: Black 1pt solid; text-align: center">01/03/23</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: center">03/31/23</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: center">$318.92</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: center">$260.64</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: center">$0.00000</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: white">
    <TD STYLE="border-bottom: Black 1pt solid; text-align: center">04/03/23</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: center">06/30/23</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: center">$305.50</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: center">$269.86</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: center">$0.00000</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: white">
    <TD STYLE="border-bottom: Black 1pt solid; text-align: center">07/03/23</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: center">09/29/23</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: center">$341.40</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: center">$289.68</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: center">$0.00000</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: white">
    <TD STYLE="border-bottom: Black 1pt solid; text-align: center">10/02/23</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: center">12/29/23</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: center">$382.39</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: center">$322.10</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: center">$0.00000</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: white">
    <TD STYLE="border-bottom: Black 1pt solid; text-align: center">01/02/24</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: center">03/28/24</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: center">$419.53</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: center">$350.07</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: center">$0.00000</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: white">
    <TD STYLE="border-bottom: Black 1pt solid; text-align: center">04/01/24</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: center">06/28/24</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: center">$404.20</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: center">$297.30</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: center">$0.00000</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: white">
    <TD STYLE="border-bottom: Black 1pt solid; text-align: center">07/01/24</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: center">09/30/24</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: center">$360.77</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: center">$283.98</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: center">$0.00000</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: white">
    <TD STYLE="border-bottom: Black 1pt solid; text-align: center">10/01/24</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: center">12/31/24</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: center">$341.91</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: center">$275.00</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: center">$0.00000</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: white">
    <TD STYLE="border-bottom: Black 1pt solid; text-align: center">01/02/25</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: center">03/31/25</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: center">$333.27</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: center">$266.57</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: center">$0.00000</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: white">
    <TD STYLE="border-bottom: Black 1pt solid; text-align: center">04/01/25</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: center">06/30/25</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: center">$353.24</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: center">$290.25</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: center">$0.00000</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: white">
    <TD STYLE="border-bottom: Black 1pt solid; text-align: center">07/01/25</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: center">09/30/25</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: center">$306.29</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: center">$152.31</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: center">$0.00000</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: white">
    <TD STYLE="border-bottom: Black 1pt solid; text-align: center">10/01/25</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: center">10/23/25*</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: center">$203.26</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: center">$161.00</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: center">$0.00000</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: white">
    <TD COLSPAN="5" STYLE="border-bottom: Black 1pt solid"><FONT STYLE="font-size: 10pt; background-color: white">*As of the date of this pricing supplement, available information for the fourth calendar quarter of 2025 includes data for the period from October 1, 2025 through October 23, 2025. Accordingly, the &ldquo;Quarterly High,&rdquo; &ldquo;Quarterly Low&rdquo; and &ldquo;Dividends&rdquo; data indicated are for this shortened period only and do not reflect complete data for the fourth calendar quarter of 2025.</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="background-color: white"><B>&nbsp;</B></FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="background-color: white"><B><I>The graph below illustrates
the performance of the common stock of Molina Healthcare, Inc. from January 2, 2015 through October 23, 2025.&nbsp;&nbsp;The closing price
of the common stock of Molina Healthcare, Inc. on October 23, 2025 was $161.00. We obtained the closing prices of the common stock of
Molina Healthcare, Inc. from Bloomberg, and we have not participated in the preparation of or verified such information.&nbsp;&nbsp;The
historical closing prices of the common stock of Molina Healthcare, Inc. should not be taken as an indication of future performance and
no assurance can be given as to the final underlying price or any future closing price of the common stock of Molina Healthcare, Inc.
We cannot give you assurance that the performance of the common stock of Molina Healthcare, Inc. will result in a positive return on your
initial investment and you could lose a significant portion or all of the stated principal amount at maturity.</I></B></FONT></P>

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><IMG SRC="image_004.gif" ALT="" STYLE="height: 315px; width: 577px"></P>

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


<!-- Field: Page; Sequence: 15; Value: 2 -->
    <DIV STYLE="margin-top: 6pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: center; margin-top: 0pt; margin-bottom: 0pt">PS-<!-- Field: Sequence; Type: Arabic; Name: PageNo -->15<!-- Field: /Sequence --></P></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="font-family: Arial, Helvetica, Sans-Serif; margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; background-color: #DBAA35; border-collapse: collapse">
  <TR STYLE="background-color: #5A6F89">
    <TD STYLE="width: 100%; color: white; font-weight: bold">United States Federal Tax Considerations</TD></TR>
  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">You should read carefully the discussion under &ldquo;United States
Federal Tax Considerations&rdquo; and &ldquo;Risk Factors Relating to the Securities&rdquo; in the accompanying product supplement and
&ldquo;Summary Risk Factors&rdquo; in this pricing supplement.&nbsp;&nbsp;</P>

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">In the opinion of our counsel, Davis Polk &amp; Wardwell LLP, a security
should be treated as a prepaid forward contract for U.S. federal income tax purposes.&nbsp;&nbsp;By purchasing a security, you agree (in
the absence of an administrative determination or judicial ruling to the contrary) to this treatment. There is uncertainty regarding this
treatment, and the IRS or a court might not agree with it.&nbsp;&nbsp;Moreover, our counsel&rsquo;s opinion is based on market conditions
as of the date of this preliminary pricing supplement and is subject to confirmation on the pricing date.</P>

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Assuming this treatment of the securities is respected and subject to
the discussion in &ldquo;United States Federal Tax Considerations&rdquo; in the accompanying product supplement, the following U.S. federal
income tax consequences should result under current law:</P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD>You should not recognize taxable income over the term of the securities prior to maturity, other than pursuant to a sale or exchange.</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD>Upon a sale or exchange of a security (including retirement at maturity), you should recognize capital gain or loss equal to the difference
between the amount realized and your tax basis in the security.&nbsp;&nbsp;Such gain or loss should be long-term capital gain or loss
if you held the security for more than one year.</TD></TR></TABLE>

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">We do not plan to request a ruling from the IRS regarding the treatment
of the securities. An alternative characterization of the securities could materially and adversely affect the tax consequences of ownership
and disposition of the securities, including the timing and character of income recognized. In addition, the U.S. Treasury Department
and the IRS have requested comments on various issues regarding the U.S. federal income tax treatment of &ldquo;prepaid forward contracts&rdquo;
and similar financial instruments and have indicated that such transactions may be the subject of future regulations or other guidance.
Furthermore, members of Congress have proposed legislative changes to the tax treatment of derivative contracts. Any legislation, Treasury
regulations or other guidance promulgated after consideration of these issues could materially and adversely affect the tax consequences
of an investment in the securities, possibly with retroactive effect. You should consult your tax adviser regarding possible alternative
tax treatments of the securities and potential changes in applicable law.</P>

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B>Non-U.S. Holders</B>. Subject to the discussions below and in &ldquo;United
States Federal Tax Considerations&rdquo; in the accompanying product supplement, if you are a Non-U.S. Holder (as defined in the accompanying
product supplement) of the securities, you generally should not be subject to U.S. federal withholding or income tax in respect of any
amount paid to you with respect to the securities, provided that (i) income in respect of the securities is not effectively connected
with your conduct of a trade or business in the United States, and (ii) you comply with the applicable certification requirements.</P>

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">As discussed under &ldquo;United States Federal Tax Considerations&mdash;Tax
Consequences to Non-U.S. Holders&rdquo; in the accompanying product supplement, Section 871(m) of the Code and Treasury regulations promulgated
thereunder (&ldquo;Section 871(m)&rdquo;) generally impose a 30% withholding tax on dividend equivalents paid or deemed paid to Non-U.S.
Holders with respect to certain financial instruments linked to U.S. equities (&ldquo;U.S. Underlying Equities&rdquo;) or indices that
include U.S. Underlying Equities.&nbsp;&nbsp;Section 871(m) generally applies to instruments that substantially replicate the economic
performance of one or more U.S. Underlying Equities, as determined based on tests set forth in the applicable Treasury regulations.&nbsp;&nbsp;However,
the regulations, as modified by an IRS notice, exempt financial instruments issued prior to January 1, 2027 that do not have a &ldquo;delta&rdquo;
of one.&nbsp;&nbsp;Based on the terms of the securities and representations provided by us as of the date of this preliminary pricing
supplement, our counsel is of the opinion that the securities should not be treated as transactions that have a &ldquo;delta&rdquo; of
one within the meaning of the regulations with respect to any U.S. Underlying Equity and, therefore, should not be subject to withholding
tax under Section 871(m).&nbsp;&nbsp;However, the final determination regarding the treatment of the securities under Section 871(m) will
be made as of the pricing date for the securities, and it is possible that the securities will be subject to withholding tax under Section
871(m) based on the circumstances as of that date.</P>

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">A determination that the securities are not subject to Section 871(m)
is not binding on the IRS, and the IRS may disagree with this treatment.&nbsp;&nbsp;Moreover, Section 871(m) is complex and its application
may depend on your particular circumstances, including your other transactions.&nbsp;&nbsp;You should consult your tax adviser regarding
the potential application of Section 871(m) to the securities.</P>

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">If withholding tax applies to the securities, we will not be required
to pay any additional amounts with respect to amounts withheld.</P>

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B>You should read the section entitled &ldquo;United States Federal
Tax Considerations&rdquo; in the accompanying product supplement.&nbsp;&nbsp;The preceding discussion, when read in combination with that
section, constitutes the full opinion of Davis Polk &amp; Wardwell LLP regarding the material U.S. federal tax consequences of owning
and disposing of the securities.&nbsp;&nbsp;</B></P>

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B>You should also consult your tax adviser regarding all aspects of
the U.S. federal income and estate tax consequences of an investment in the securities and any tax consequences arising under the laws
of any state, local or non-U.S. taxing jurisdiction.</B></P>

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


<!-- Field: Page; Sequence: 16; Value: 2 -->
    <DIV STYLE="margin-top: 6pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: center; margin-top: 0pt; margin-bottom: 0pt">PS-<!-- Field: Sequence; Type: Arabic; Name: PageNo -->16<!-- Field: /Sequence --></P></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="font-family: Arial, Helvetica, Sans-Serif; margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; background-color: #DBAA35; border-collapse: collapse">
  <TR STYLE="background-color: #5A6F89">
    <TD STYLE="width: 100%; color: white; font-weight: bold">Supplemental Plan of Distribution</TD></TR>
  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">CGMI, an affiliate of Citigroup Global Markets Holdings Inc. and the
lead agent for the sale of the securities, will receive an underwriting discount of $0.025 for any security sold in this offering. UBS,
acting as principal, expects to purchase from CGMI, and CGMI expects to sell to UBS, all of the securities sold in this offering for $9.975
per security. UBS proposes to offer the securities to the public at a price of $10.00 per security. UBS will receive an underwriting discount
of $0.025 for each security it sells to the public. The underwriting discount will be received by UBS and its financial advisors collectively.
If all of the securities are not sold at the initial offering price, CGMI may change the public offering price and other selling terms.
For the avoidance of doubt, the underwriting discount will not be rebated if the securities are automatically called prior to maturity.</P>

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">See &ldquo;Plan of Distribution; Conflicts of Interest&rdquo; in the
accompanying product supplement and &ldquo;Plan of Distribution&rdquo; in each of the accompanying prospectus supplement and prospectus
for additional information.</P>

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; background-color: #DBAA35; border-collapse: collapse">
  <TR STYLE="background-color: #5A6F89">
    <TD STYLE="width: 100%; color: white; font-weight: bold">Valuation of the Securities</TD></TR>
  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">CGMI calculated the estimated value of the securities set forth on the
cover page of this pricing supplement based on proprietary pricing models. CGMI&rsquo;s proprietary pricing models generated an estimated
value for the securities by estimating the value of a hypothetical package of financial instruments that would replicate the payout on
the securities, which consists of a fixed-income bond (the &ldquo;<B>bond component</B>&rdquo;) and one or more derivative instruments
underlying the economic terms of the securities (the &ldquo;<B>derivative component</B>&rdquo;). CGMI calculated the estimated value of
the bond component using a discount rate based on our internal funding rate. CGMI calculated the estimated value of the derivative component
based on a proprietary derivative-pricing model, which generated a theoretical price for the instruments that constitute the derivative
component based on various inputs, including the factors described under &ldquo;Summary Risk Factors&mdash;The value of the securities
prior to maturity will fluctuate based on many unpredictable factors&rdquo; in this pricing supplement, but not including our or Citigroup
Inc.&rsquo;s creditworthiness. These inputs may be market-observable or may be based on assumptions made by CGMI in its discretionary
judgment.</P>

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">The estimated value of the securities is a function of the terms of
the securities and the inputs to CGMI&rsquo;s proprietary pricing models. As of the date of this preliminary pricing supplement, it is
uncertain what the estimated value of the securities will be on the trade date because it is uncertain what the values of the inputs to
CGMI&rsquo;s proprietary pricing models will be on the trade date.</P>

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">During a temporary adjustment period immediately following issuance
of the securities, the price, if any, at which CGMI would be willing to buy the securities from investors, and the value that will be
indicated for the securities on any account statements prepared by CGMI or its affiliates (which value CGMI may also publish through one
or more financial information vendors), will reflect a temporary upward adjustment from the price or value that would otherwise be determined.
This temporary upward adjustment represents a portion of the hedging profit expected to be realized by CGMI or its affiliates over the
term of the securities. The amount of this temporary upward adjustment will decline to zero over the temporary adjustment period. CGMI
currently expects that the temporary adjustment period will be approximately eight months, but the actual length of the temporary adjustment
period may be shortened due to various factors, such as the volume of secondary market purchases of the securities and other factors that
cannot be predicted. However, CGMI is not obligated to buy the securities from investors at any time. See &ldquo;Summary Risk Factors&mdash;The
securities will not be listed on any securities exchange and you may not be able to sell them prior to maturity.&rdquo;</P>

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><SUP>&copy;</SUP> 2025 Citigroup Global Markets Inc. All rights reserved.
Citi and Citi and Arc Design are trademarks and service marks of Citigroup Inc. or its affiliates and are used and registered throughout
the world.</P>

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


<!-- Field: Page; Sequence: 17; Options: Last -->
    <DIV STYLE="margin-top: 6pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: center; margin-top: 0pt; margin-bottom: 0pt">PS-<!-- Field: Sequence; Type: Arabic; Name: PageNo -->17<!-- Field: /Sequence --></P></DIV>
    <!-- Field: /Page -->
































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

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

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

</BODY>
</HTML>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>2
<FILENAME>image_001.jpg
<DESCRIPTION>GRAPHIC
<TEXT>
begin 644 image_001.jpg
M_]C_X  02D9)1@ ! 0$ 8 !@  #_VP!#  @&!@<&!0@'!P<)"0@*#!0-# L+
M#!D2$P\4'1H?'AT:'!P@)"XG("(L(QP<*#<I+# Q-#0T'R<Y/3@R/"XS-#+_
MVP!# 0@)"0P+#!@-#1@R(1PA,C(R,C(R,C(R,C(R,C(R,C(R,C(R,C(R,C(R
M,C(R,C(R,C(R,C(R,C(R,C(R,C(R,C+_P  1"  3  T# 2(  A$! Q$!_\0
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,@ # & .@%%% '__9

end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>3
<FILENAME>image_003.gif
<DESCRIPTION>GRAPHIC
<TEXT>
begin 644 image_003.gif
M1TE&.#=A"@)> 7<  "'^&E-O9G1W87)E.B!-:6-R;W-O9G0@3V9F:6-E "P
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M;/#!"">L\,#FC%,//_'>M \(0<SQQA7@R ' (Y-04DTK,(!BQA#RF%-)-O_
M<04M,2CRCS8RU!(&%E4>M TDPP+%BA$"W?,"$T,@L<T_L\2P1!KQ#/1*$ ,M
M<H8Y1< QQ!+YZ#.$$R\X\0\P33CQ1#+_M-%$&E($8H8M_Q@S1C)6P$,%'4MD
MT>0@)2BAQ2CV@HKO1;#,_S"  #+<$DPQA!=N^.&()Z[XXHPWOC@TD$?.(S7"
MB)%%9CCE(\<)=?#S3R14% '$%J3\\PH5983SSSUVI#>/)6L$$G$J19 !-D(W
MY^Q1*BBL$PX+J6&A(!QT_,.(%O\HPX(X]:" RS]97/+/'$D49$L6 HV# B7J
M<*&(.S1,4TX5C"@-J4"7V/%/#82H8P0F=\2ACAA8W/.$(_90(H0Y,60B#QZ:
M ,48_G&&0;1C!/!P@2C4T05"-$,%R9"&#6Z1M[U=1!TV ( &X\",7'CP@R ,
MH0A'2,(2FO"$)UR%"E>ABV74(@C56$>3=K*+D^0N(D#Z"#/4T ]S-2H/M/B'
M(_]PAHH[_ ,;;Z"'//20&C/PPGA[L![VQO6"8_PC#)E !@'D((8I4&$@MY"6
M0,[ HANHS@Z64$(U_E&--ZR#!D4PPQA4((\L0.,?>!@$.[2PC2.(@QPQ.$<*
MFC2'0X@"# )Q@R@J:$&*E.,(&@0 ':+!#5U8\I*8S*0F-\G)3GKRDY[4ABA%
M:8QAX,(%W=C/#2&2PY]<[U@I<,8_[* (;,A@%-S01(T$THT6U&P*T!D!,:9G
MB"J@XA^[(((\1J (;LRB$/>80B[P&*@T!($/QPED"H96ADVT@F?_D *%1'*O
M1C[$'E*(I!&*H0Q0NO.=\(QG)D>IC65  Q9: $2]5(G_,QP.RB>T>,&Q0C"-
M?_2!#>/( QXX@059@:,-7HA$$HY0CW+@X#!XZ$0H<B '$@B4$%_(Q!/<\ \=
M/ \(C?@',PJ MF&80!PA&.8:%#&.)R3!#P8X)CGU9LZ' "*2)A@%-.1)U*(:
M51?TU$8KEI&//!2"0ZM\2"M]HH]3M&84ZOC'-1HUCEL(HCT%Z44A?"&/?]BC
M%_WX1S"&H59&+",: EF&(&P1+U(TR1C8^$<^7N"Y=^PB'J.@%S*\$0]BJ (6
M3@CB3GL*$5P<0(,( $4TCDK9RG*2GMR !C+ZP )[<"FJ#IFJJ+Y1A7XBA!A3
MX 4BH/"LQ3*V(:L0@ 83T(EN_UCVMK=-:BM0 8]E+,*S'0)M0T0;JF6@:R'%
M.,,>;N?:URKD' ;0H +F@ QMX/:Z1J5G-+I!BP7(ZK.FE>H_G?LI\B9D'$2(
MI!6@L0SLNA>>F.4&(TC!CEFH+E3"90AQS9N2<O+7/'J(9 IT,=3W&CB4HM1%
M,8+!#!I4P8+Y7<A^_VL2__*W#I'<P2N8<> .:S*IQ<"$&=2Q#>:**L(*F3"%
M26)A\I*B !IDP".0X>$:6Y*>RYA&-CJQ WJ8$\4)4?&*F_M?:#1 @P60A&UM
MW&$<%P,56>A%.6;82" C1,A#!DF+&7L,!$1R#91DLH&3J@UN=",8()#%:ZU\
M$"QGV?\C6S9G.I8022]PHYUB=B]FBP$-+@R0O&PVB)O?S)$X-Y(1D6P!*8R1
M9SW3<Q6X  8GA 7H\(9VO#JQQSS288YYS"-B#KE'NBH"#E"76B:&WMLQ J#!
M!L2"QHV^KG:O(0D'F-BY@2[(H&4B""MT@056H((UU+!&ADRB"5:HPC4J@H97
MH,-6J8 #JGGZVG%T08,/<,0T8BUK47)C%978:B0\Q]]<$V37,:E'.PYQ@W;
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M&B$+?M"(CO_XB) 8B9%X"51&"RDP4 6%!G$@#T1 ":L !'@B$-?0 GO "G'
M!=7P!(*P"E40"OD0 YT0""0 #V5@!:K@ FOP#R= '490"ZW  L!P"T- #E/P
M"[O !-XP"U6@"V)@!5I(=7N##CJ@01)P!MV0<&+X3J-T9[!@!)I@#NSPC%-!
M##"P#:9P#(@ CF-P CK@8W]0/?\@ GIS#C5@1=K  N!0!HCT#RF@6 8Q@HJH
M$\[@"3W#"?KP#ZA0(^(@!F2@"9XB$-[ !WG !FVA#VE !H\@(-60!V205_#
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M 5;5M.,'KDF!-J"15648(QMMD()CKQ6(#"!@   P 52R40%H^ (;-D!37+5
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M_SDX@EF(@E9P@,G\AW=( 2!( SS( BJR!A2PL2W@ %$0!4PXEUIP"CTX E/
M L/*A2*3!!"PJ%;T39\Q@_8Q@S8SBLX:ACDH@1@KS^"@AAT8@"J3A*B !S1P
M 3E@G']PAT5X!W"0@R2H BM@@GU) S.1AS@H D68#UL @C%H!A^+SW!AA?:Q
M F00NJ#@AF*HA1>(AGN@R@H-#G(@@RMXR*E81./P0Q(=#F=P@(Q\AF)P2F?(
M!2P(1A<-CG@P@QDP !#P&.;343W)!AYPC1D@.G?306UX@>4;TN%(A TPA%B
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MJ'^@ :Z$AQK(N5P@ 7! @Y_D"_5EW$YP#04@@O+U8++@!V X!F^HAFZY"7;
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MN^7+55@A<0Q8O]CM.NY W5-/)'?TT\\N*50WT? OM9Y2-F^<$8] S10CT"N
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MB  ]V/_#%$1"-[Q '0Q$.FB!'>1"#CS"/V@"">0"&R"!"!)$ <80/]!!7LC
M$9F'%$!3#L(/*R0"3%G$")2"+HA#+JB#+3 !.N@#-JS"0"Q##HB?+0S!/1@!
M* A$#%#*F?06+OP 5FS &JQA>43#]IUA[OP" CA %:3"%D+$)EC #705-M4
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M,48FSI(.,9SE&Y% 2QI 9A9#$*DLN>B(6=Y!LK.$X9?X$4<5<)"#IOTC%"#
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M#^#@64OL0019%*$C,Q?(*(X %J[@$:H &90 '?P!R$XB''I %W0!>/ZA&5
M&9Q@$[B@&XK@',1AEDZB&+J )<(A!<[A$/_>(!+J@!72 !ST@28&00?&00]D
MZQ_<@ TT 0\:H3KLP!Q6L"7>80IT80H*!8H$HA*V8!>XP!/P0!G&X![N#R6
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M9"%"'O )WL4DKL!YW $%UN(?=* .LB">"$!B:JX=R* 5XH (PD!K2(06_R
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M#5@@%Q@B#(AH&)@@#]  :4^"& # !*2@"92 ']YA"+@@"]8 $NT -ISA".Z
M#SSW)%H@U-"!"KK "K( 8S5AG>!A"\I #3#6)-[A"HX ;!$L$7Q6!;:.&IX
M1=( #[: GDIB'8+ "?1 !^ZE%UQ #U2 X4[K"/@P$-Y@"YSG))  ?%5G#4@@
MEVRA>U4 7"'+,/Q!"O* "@ K1\RA&\3I&VYAM_XA&FYA=ABB&^*I&E#A)D="
M&VZ!N01"'&[AN 2B'*P4&A[$)<@A@ADB'6P!%<CS'_^<85VD@1;:\22NH0E;
MX184E(?T\Q_XX1;.M228(15NH88#U1ANX<RD@8!MRAM@ D@=6""NP:.(8180
M#27X811LH89M(3[ZX15" 6F[@3R%X14^./28(3+_X1Y2818 *QM@[1_:@1::
M%/]"819("1ENX6S^01_<ZA_2P11ZZR3&@8:AKQIN@:$$@A_H8I*VSH2U^!^V
MX1:"]A^PX1;Z&"\PUA]H@=VTZI$A.9(E>9(IN9(M^9(Q.9,U>9,YN9,]^9-!
M.91%>91)N91-^911.955>959N95=^95AN9598<)RX8(G(AY4(:8F8A3XM5XQ
M ?M 0AQJH12(^<P:XAL".9;_E3DXP,$"AN(?7J &*D(= *!7)Z('LB BY($+
M8B4D3.$J5H" &>(9/*"0E_F<,P,<0F 3_R$+L  ?OD .;L (>,8/3( .!& 6
M]D$)3( I#L$*I@ /0$ *[F!4@&$(M*%6IR$+^J %^F <WB$(6& /MJ"%;0$#
M;L$90@$ 2B$=_L $Q  =QN0%/&$+V.$=FJ 8!"$(H" -VJ ,LF $9A:=:=HF
MP*$&V#D+HD ? ( $>,$#]F 6   1\@ #>B$)HL 4 N 5) $ (,$8;J -V"
M_B$0&D :+H 3< $ R@ 0 . 4[D #)B$%-L!.6$$!O  (ON#"&CH4?* 0- $
M**$3_P[@'? ! V:!# !@$(+!!P:@%& @YFIZL&N"!-9 (+X@"]KA 2#'"^A
M"K0 $S- $$1 !92  83 $GA ( HW'"X@&D" #\Q! #H!%S:@23/ $&K $O[!
M%2Z@*5,! *:$ 1XD!'"@" )@"IX! ,1A%@1@'^I! VSA#W! ('@ 7/9@!222
ML)G;))8@!,(A''Y ".@A F(E"O[@#4S@'_)! S !!Y# $ 0M#4) (%#@Q+Y@
M!'C &,:!M'>A ,2A'R; $TY #OYA$B*@*4UA [Q!&SA@5$) !Q A#39!&0K@
M'&:! Y K EB!#"KI'W: [/Q !I:[N2T\) CA*E0A'P# ;?II8 MT 0"*( M
M30Q"H!%"@!GXP $$P@:&H+4!  7 81V<6A8 P!_> 0 (P1$*  U"8 +LY!<
M((@R 0!2 1!V0!)J8!2VX6]580. 8$Q8@9\%0@.HX!_RH $J_,*YO")4 0_P
MP$QJ3\\" 2-O00H<@0T8RA*V "-=01D=8=KVH0/"9A[$8!6\ 0W6H1SD(!C&
MX1/,0!$&X/ZH(0^\!AW$H",,P0H& 1S @1.28!MB00HHP0ZRX1>(2 9+SA8^
M8<N[_-.W(AO(X "">"+0  I^X0I<X(I!O=5'Q!1N8-H\ ANR  6&H+!</==U
1?==YO==]_=>!/=C1)"   #L!

end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>4
<FILENAME>image_004.gif
<DESCRIPTION>GRAPHIC
<TEXT>
begin 644 image_004.gif
M1TE&.#=A00([ 7<  "'^&E-O9G1W87)E.B!-:6-R;W-O9G0@3V9F:6-E "P
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M9',0$MJ@!$;0 9;C %86$5 ' '10$*3P7U9 $<88-,AH$<K8$5%6C?OB#QX
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M0;._" $-0\4H/YH!GL ";JQ4$''#@>41$RR_@ 7$!2'$T2-U A&KJ8NS<?,
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M_]C,IEUH+@]QP2K\F14 SM*830"H*&J\"%"@ E,0!59@!:V1R^3,J==XDQ;
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MA-ZM"$,H" V0U/6>"'4X+AFH"!B0(TO14?VN"!P[8FPH"DHHB BH;0(W;0!
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M;2$G\=!%#':#@SU40];.I@NMAV+K?\0- *8C2##/1F'_F]J#'S&!Q]2X0&@
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MT /)R?](#4B!#>#"/>3#-N 71(#!SU&% '2 &,P!+@39M>W&"I"674@#07!
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MSB@\O$LCA/]B5H# /(1"'=2!^;&#.8!#.\",]S  &M3!%QB".:0#',G-!5R
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M6%&(0RNXPBH,@SCP0RWP BZP SIPY2J@0BWPAS6< BZ0POK@0RV$@WJ%1ST
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MGWL@@Q"7N,,@B+$?_'@N>_TIQ^WXLPY\[:<>-"'(.RXQ00/!HR"YR$5^CA%
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M$>I /YB!936A$EKE(?JA#HCA7N?!&Y6!8_T59+UL'G;A!@[A9">A5QYB%-S
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M%S;!&7Q!*+1'"2S!&DSA!@A!&UPG&H)!%D@_G@M"&88?@G-Z%B8A64M=,[Z
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" #L!

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