<SEC-DOCUMENT>0000950103-25-014667.txt : 20251113
<SEC-HEADER>0000950103-25-014667.hdr.sgml : 20251113
<ACCEPTANCE-DATETIME>20251113130650
ACCESSION NUMBER:		0000950103-25-014667
CONFORMED SUBMISSION TYPE:	424B2
PUBLIC DOCUMENT COUNT:		8
FILED AS OF DATE:		20251113
DATE AS OF CHANGE:		20251113

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:		251476982

	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:		251476983

	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>dp237328_424b2-us2529383d.htm
<DESCRIPTION>PRELIMINARY PRICING SUPPLEMENT
<TEXT>
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<P STYLE="margin: 0">&nbsp;</P>

<TABLE CELLSPACING="2" CELLPADDING="2" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
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    <TD STYLE="width: 100%"><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center; color: red"><FONT STYLE="font-size: 9pt">The
    information in this preliminary pricing supplement is not complete and may be changed. This preliminary pricing supplement, 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.</FONT></P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center; color: red"><FONT STYLE="font-size: 9pt">SUBJECT
TO COMPLETION, DATED NOVEMBER 13, 2025&nbsp;</FONT></P></TD></TR>
  </TABLE>

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    <TD STYLE="vertical-align: top; width: 79%"><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-size: 9pt; color: #888888"><B>November</B></FONT><B><FONT STYLE="font-size: 9pt; color: white">----</FONT></B><B><FONT STYLE="font-size: 9pt; color: #888888">,
    2025</FONT></B></P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #888888"><FONT STYLE="font-size: 9pt"><B>Medium-Term Senior
    Notes, Series N </B></FONT></P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #888888"><FONT STYLE="font-size: 9pt"><B>Pricing Supplement
    No. 2025-USNCH29375 to Product Supplement No. EA-08-02<BR>
    dated March 23, 2023 and Prospectus Supplement and Prospectus each dated March 7, 2023</B></FONT></P></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; width: 21%; font-size: 12pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 14pt; color: white"><IMG SRC="image_003.jpg" ALT="" STYLE="height: 55px; width: 81px"></FONT></TD></TR>
  </TABLE>

<TABLE CELLSPACING="2" CELLPADDING="2" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 100%"><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right; color: #888888"><FONT STYLE="font-size: 9pt"><B>Filed
    Pursuant to Rule 424(b)(2)</B></FONT></P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right; color: #888888"><FONT STYLE="font-size: 9pt"><B>Registration
    Statement Nos. 333-270327 and 333-270327-01</B></FONT></P></TD></TR>
  </TABLE>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
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    <TD STYLE="padding: 4pt; width: 1%; font-size: 12pt">&nbsp;</TD>
    <TD STYLE="padding: 4pt; vertical-align: top; width: 99%">
    <P STYLE="font: 14pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: justify; color: #BB0826"><B>Citigroup Global Markets
Holdings Inc.</B></P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: justify; color: #BB0826"><B>All Payments Due from Citigroup
Global Markets Holdings Inc. Fully and Unconditionally Guaranteed by Citigroup Inc.</B></P></TD></TR>
  </TABLE>

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    <TD STYLE="padding: 4pt; width: 1%; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="padding: 4pt; width: 99%">
    <P STYLE="font: 14pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #BB0826"><B>Market Linked Securities&mdash;Auto-Callable
with Contingent Coupon with Memory Feature and Contingent Downside</B></P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #BB0826"><B>Principal at Risk Securities Linked to the Lowest
Performing of Broadcom Inc., NVIDIA Corporation and Alphabet Inc. due November 30, 2028</B></P></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; background-color: #688FCF">
    <TD STYLE="padding: 4pt; width: 100%">
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 7.9pt 0pt 0.25in; text-align: justify; text-indent: -13.7pt; color: white"><FONT STYLE="font-family: Wingdings">n</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;&nbsp;Linked
to the <B>lowest performing</B> of Broadcom Inc., NVIDIA Corporation and Alphabet Inc. (each referred to as an &ldquo;underlying&rdquo;)
</FONT></P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 7.9pt 0pt 0.25in; text-align: justify; text-indent: -13.7pt; color: white"><FONT STYLE="font-family: Wingdings">n</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;&nbsp;Unlike
ordinary debt securities, the securities do not provide for fixed payments of interest, do not repay a fixed amount of principal at maturity
and are subject to potential automatic redemption prior to maturity upon the terms described below.&nbsp;&nbsp;Whether the securities
pay a contingent coupon, whether the securities are automatically redeemed prior to maturity and, if they are not automatically redeemed,
whether you are repaid the stated principal amount of your securities at maturity will depend in each case on the closing value of the
lowest performing underlying on the relevant calculation day.&nbsp;&nbsp;The lowest performing underlying on any calculation day is the
underlying that has the lowest performance factor on that calculation day</FONT></P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 7.9pt 0pt 0.25in; text-align: justify; text-indent: -13.7pt; color: white"><FONT STYLE="font-family: Wingdings">n</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B>&nbsp;&nbsp;Contingent
Coupon.</B>&nbsp;&nbsp;The securities will pay a contingent coupon on a monthly basis until the earlier of maturity or automatic redemption
if, <B>and only if</B>, the closing value of the lowest performing underlying on the relevant calculation day is greater than or equal
to its coupon threshold value.&nbsp;&nbsp;If the closing value of the lowest performing underlying on one or more calculation days is
less than its coupon threshold value and, on a subsequent calculation day, the closing value of the lowest performing underlying on that
subsequent calculation day is greater than or equal to its coupon threshold value, the securities will pay the contingent coupon payment
due for that subsequent calculation day <I>plus</I> all previously unpaid contingent coupon payments (without interest on amounts previously
unpaid). If the closing value of the lowest performing underlying on a calculation day is less than its coupon threshold value, you will
not receive any contingent coupon on the relevant contingent coupon date.&nbsp;&nbsp;In addition, if the closing value of the lowest
performing underlying on a calculation day is less than its coupon threshold value and the closing value of the lowest performing underlying
on each subsequent calculation day up to and including the final calculation day is less than its coupon threshold value, you will not
receive the unpaid contingent coupon payments in respect of those calculation days.&nbsp;&nbsp;If the closing value of the lowest performing
underlying is less than its coupon threshold value on every calculation day, you will not receive any contingent coupons throughout the
entire term of the securities. The contingent coupon rate will be determined on the pricing date and will be at least 21.55% per annum</FONT></P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 7.9pt 0pt 0.25in; text-align: justify; text-indent: -13.7pt; color: white"><FONT STYLE="font-family: Wingdings">n</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B>&nbsp;&nbsp;Automatic
Redemption.</B>&nbsp;&nbsp;If the closing value of the lowest performing underlying on any potential autocall date from May 2026 to October
2028, inclusive, is greater than or equal to its starting value, we will automatically redeem the securities for the stated principal
amount <I>plus</I> the related contingent coupon payment and any previously unpaid contingent coupon payments</FONT></P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 7.9pt 0pt 0.25in; text-align: justify; text-indent: -13.7pt; color: white"><FONT STYLE="font-family: Wingdings">n</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;&nbsp;<B>Potential
Loss of Principal.</B>&nbsp;&nbsp;If the securities are not automatically redeemed prior to maturity, you will receive the stated principal
amount at maturity if, <B>and only if</B>, the closing value of the lowest performing underlying on the final calculation day is greater
than or equal to its downside threshold value.&nbsp;&nbsp;If the closing value of the lowest performing underlying on the final calculation
day is less than its downside threshold value, you will lose a significant portion, and possibly all, of the stated principal amount
of your securities</FONT></P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 7.9pt 0pt 0.25in; text-align: justify; text-indent: -13.7pt; color: white"><FONT STYLE="font-family: Wingdings">n</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;&nbsp;The
coupon threshold value and downside threshold value for each underlying are equal to 70% of its starting value</FONT></P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 7.9pt 0pt 0.25in; text-align: justify; text-indent: -13.7pt; color: white"><FONT STYLE="font-family: Wingdings">n</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;&nbsp;If
the securities are not automatically redeemed prior to maturity, you will have full downside exposure to the lowest performing underlying
from its starting value if its closing value on the final calculation day is less than its downside threshold value, but you will not
participate in any appreciation of any underlying and will not receive any dividends on any underlying</FONT></P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 7.9pt 0pt 0.25in; text-align: justify; text-indent: -13.7pt; color: white"><FONT STYLE="font-family: Wingdings">n</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;&nbsp;Your
return on the securities will depend <B>solely</B> on the performance of the underlying that is the lowest performing underlying on each
calculation day.&nbsp;&nbsp;You will not benefit in any way from the performance of any better performing underlying.&nbsp;&nbsp;Therefore,
you will be adversely affected if <B>any underlying</B> performs poorly, even if any other underlying performs favorably</FONT></P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 7.9pt 0pt 0.25in; text-align: justify; text-indent: -13.7pt; color: white"><FONT STYLE="font-family: Wingdings">n</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;&nbsp;All
payments on the securities are subject to the credit risk of Citigroup Global Markets Holdings Inc. and Citigroup Inc.; if Citigroup
Global Markets Holdings Inc. and Citigroup Inc. default on their obligations, you could lose some or all of your investment</FONT></P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 7.9pt 0pt 0.25in; text-align: justify; text-indent: -13.7pt; color: white"><FONT STYLE="font-family: Wingdings">n</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;&nbsp;The
securities will not be listed on any securities exchange and, accordingly, may have limited or no liquidity.&nbsp;&nbsp;You should not
invest in the securities unless you are willing to hold them to maturity</FONT></P></TD></TR>
  </TABLE>

<P STYLE="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: justify"><B>The securities have complex features and investing
in the securities involves risks not associated with an investment in conventional debt securities. See &ldquo;Summary Risk Factors&rdquo;
beginning on page PS-10 and &ldquo;Risk Factors&rdquo; beginning on page PS-5 of the accompanying product supplement and beginning on
page S-1 of the accompanying prospectus supplement.</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: justify"><B>Neither the Securities and Exchange Commission
(the &ldquo;SEC&rdquo;) nor any state securities commission has approved or disapproved of the securities or determined that this pricing
supplement or the accompanying product supplement, prospectus supplement and prospectus are truthful or complete. Any representation
to the contrary is a criminal offense.</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: justify"><B>The securities are unsecured debt obligations
issued by Citigroup Global Markets Holdings Inc. and guaranteed by Citigroup Inc. All payments due on the securities are subject to the
credit risk of Citigroup Global Markets Holdings Inc. and Citigroup Inc. None of Wells Fargo Securities, LLC (&ldquo;Wells Fargo&rdquo;)
or any of its affiliates will have any liability to the purchasers of the securities in the event Citigroup Global Markets Holdings Inc.
defaults on its obligations under the securities and Citigroup Inc. defaults on its guarantee obligations.&nbsp;&nbsp;The securities
are not bank deposits and are not insured or guaranteed by the Federal Deposit Insurance Corporation or any other governmental agency,
nor are they obligations of, or guaranteed by, a bank.</B></P>

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  <TR STYLE="vertical-align: bottom">
    <TD STYLE="width: 46%; font-size: 10pt; text-align: center">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; width: 25%; border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B>Per Security</B></FONT></TD>
    <TD STYLE="white-space: nowrap; width: 29%; border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B>Total</B></FONT></TD></TR>
  <TR STYLE="background-color: #E0E3E2">
    <TD STYLE="vertical-align: top; border-right: white 1pt solid; border-bottom: white 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Public Offering Price<SUP>(1)</SUP></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$1,000.00</FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$</FONT></TD></TR>
  <TR STYLE="background-color: #E0E3E2">
    <TD STYLE="vertical-align: top; border-right: white 1pt solid; border-bottom: white 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Maximum Underwriting Discount and Commission<SUP>(2)(3)</SUP></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$23.25</FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$</FONT></TD></TR>
  <TR STYLE="background-color: #E0E3E2">
    <TD STYLE="vertical-align: top; border-right: white 1pt solid; border-bottom: white 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Proceeds to Citigroup Global Markets Holdings Inc.<SUP>(2)</SUP></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$976.75</FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-size: 9pt">(1) Citigroup Global
Markets Holdings Inc. currently expects that the estimated value of the securities on the pricing date will be at least $898.00 per security,
which will be less than the public offering price.&nbsp;&nbsp;The estimated value of the securities is based on Citigroup Global Markets
Inc.&rsquo;s (&ldquo;CGMI&rdquo;) proprietary pricing models 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 any person may be willing to buy the securities
from you at any time after issuance.&nbsp;&nbsp;See &ldquo;Valuation of the Securities&rdquo; in this pricing supplement.</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-size: 9pt">(2) CGMI, an affiliate
of Citigroup Global Markets Holdings Inc., as the lead agent for the offering, expects to sell the securities to Wells Fargo, as agent.
Wells Fargo will receive an underwriting discount and commission of up to 2.325% ($23.25) for each security it sells. Wells Fargo may
pay selected dealers, which may include Wells Fargo Advisors (&ldquo;WFA&rdquo;) (the trade name of the retail brokerage business of
its affiliates, Wells Fargo Clearing Services, LLC and Wells Fargo Advisors Financial Network, LLC), a fixed selling commission of 1.75%
($17.50) for each security they sell.&nbsp;&nbsp;In addition to the selling commission allowed to WFA, Wells Fargo may pay $0.75 per
security of the underwriting discount and commission to WFA as a distribution expense fee for each security sold by WFA. The total underwriting
discount and commission and proceeds to Citigroup Global Markets Holdings Inc. shown above give effect to the actual underwriting discount
and commission provided for the sale of the securities.&nbsp;&nbsp;See &ldquo;Supplemental Plan of Distribution&rdquo; below and &ldquo;Use
of Proceeds and Hedging&rdquo; in the accompanying prospectus for further information regarding how we have hedged our obligations under
the securities.</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-size: 9pt; background-color: white">(3)
In respect of certain securities sold in this offering, CGMI may pay a fee of up to $3.00 per security to selected securities dealers
in consideration for marketing and other services in connection with the distribution of the securities to other securities dealers.</FONT></P>

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    <TD STYLE="width: 50%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 12pt"><B>Citigroup
    Global Markets Inc.</B></FONT></TD>
    <TD STYLE="width: 50%; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 12pt"><B>Wells
    Fargo Securities</B></FONT></TD></TR>
  </TABLE>

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

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    <TD STYLE="padding: 4pt; width: 100%; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 12pt; color: white"><B>Terms
    of the Securities</B></FONT></TD></TR>
  </TABLE>

<TABLE CELLSPACING="2" CELLPADDING="2" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR>
    <TD STYLE="width: 25%; border-bottom: white 1pt solid; background-color: #E0E3E2; padding-left: 0.1in"><FONT STYLE="font-size: 10pt"><B>Underlyings:</B></FONT></TD>
    <TD STYLE="width: 75%; padding-left: 0.1in; text-align: justify"><FONT STYLE="font-size: 10pt">Broadcom Inc., NVIDIA Corporation and Alphabet Inc. (each referred to as an &ldquo;underlying,&rdquo; and collectively as the &ldquo;underlyings&rdquo;). The &ldquo;closing value&rdquo; of each underlying on any date of determination is the stock closing price of its underlying stock on that day, as provided in the accompanying product supplement. The &ldquo;underlying stock&rdquo; for (i) Broadcom Inc. and NVIDIA Corporation are their respective shares of common stock and (ii) Alphabet Inc. is its respective shares of Class A common stock. Please see the accompanying product supplement for more information.</FONT></TD></TR>
  <TR>
    <TD STYLE="border-bottom: white 1pt solid; background-color: #E0E3E2; padding-left: 0.1in"><FONT STYLE="font-size: 10pt"><B>Issuer:</B></FONT></TD>
    <TD STYLE="padding-left: 0.1in; text-align: justify"><FONT STYLE="font-size: 10pt">Citigroup Global Markets Holdings Inc., a wholly owned subsidiary of Citigroup Inc.</FONT></TD></TR>
  <TR>
    <TD STYLE="border-bottom: white 1pt solid; background-color: #E0E3E2; padding-left: 0.1in"><FONT STYLE="font-size: 10pt"><B>Guarantee:</B></FONT></TD>
    <TD STYLE="padding-left: 0.1in; text-align: justify"><FONT STYLE="font-size: 10pt">All payments due on the securities are fully and unconditionally guaranteed by Citigroup Inc.</FONT></TD></TR>
  <TR>
    <TD STYLE="border-bottom: white 1pt solid; background-color: #E0E3E2; padding-left: 0.1in"><FONT STYLE="font-size: 10pt"><B>Stated Principal Amount:</B></FONT></TD>
    <TD STYLE="padding-left: 0.1in; text-align: justify"><FONT STYLE="font-size: 10pt">$1,000 per security. References in this pricing supplement to a &ldquo;security&rdquo; are to a security with a stated principal amount of $1,000.</FONT></TD></TR>
  <TR>
    <TD STYLE="border-bottom: white 1pt solid; background-color: #E0E3E2; padding-left: 0.1in"><FONT STYLE="font-size: 10pt"><B>Pricing Date*:</B></FONT></TD>
    <TD STYLE="padding-left: 0.1in; text-align: justify"><FONT STYLE="font-size: 10pt">November 25, 2025</FONT></TD></TR>
  <TR>
    <TD STYLE="border-bottom: white 1pt solid; background-color: #E0E3E2; padding-left: 0.1in"><FONT STYLE="font-size: 10pt"><B>Issue Date*:</B></FONT></TD>
    <TD STYLE="padding-left: 0.1in; text-align: justify"><FONT STYLE="font-size: 10pt">December 1, 2025</FONT></TD></TR>
  <TR>
    <TD STYLE="border-bottom: white 1pt solid; background-color: #E0E3E2; padding-left: 0.1in"><FONT STYLE="font-size: 10pt"><B>Calculation Days*:</B></FONT></TD>
    <TD STYLE="vertical-align: top; padding-left: 0.1in; text-align: justify"><FONT STYLE="font-size: 10pt">The 25<SUP>th</SUP> day of each month, beginning in December 2025 and ending in November 2028, <I>provided</I> that the November 2028 calculation day will be the final calculation day. Each calculation day is subject to postponement if such date is not a trading day or certain market disruption events occur as described in the accompanying product supplement.</FONT></TD></TR>
  <TR>
    <TD STYLE="border-bottom: white 1pt solid; background-color: #E0E3E2; padding-left: 0.1in"><FONT STYLE="font-size: 10pt"><B>Final Calculation Day*:</B></FONT></TD>
    <TD STYLE="padding-left: 0.1in"><FONT STYLE="font-size: 10pt">November 27, 2028, subject to postponement</FONT></TD></TR>
  <TR>
    <TD STYLE="border-bottom: white 1pt solid; background-color: #E0E3E2; padding-left: 0.1in"><FONT STYLE="font-size: 10pt"><B>Maturity Date*:</B></FONT></TD>
    <TD STYLE="padding-left: 0.1in"><FONT STYLE="font-size: 10pt">November 30, 2028, subject to postponement as described in the accompanying product supplement.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD></TR>
  <TR>
    <TD STYLE="border-bottom: white 1pt solid; background-color: #E0E3E2; padding-left: 0.1in"><FONT STYLE="font-size: 10pt"><B>Contingent Coupon Payment Dates:</B></FONT></TD>
    <TD STYLE="padding-left: 0.1in; text-align: justify"><FONT STYLE="font-size: 10pt">The third business day after each calculation day (as each such calculation day may be postponed), except that the contingent coupon payment date following the final calculation day will be the maturity date. </FONT></TD></TR>
  <TR>
    <TD STYLE="border-bottom: white 1pt solid; background-color: #E0E3E2; padding-left: 0.1in"><FONT STYLE="font-size: 10pt"><B>Contingent Coupon (with Memory Feature):</B></FONT></TD>
    <TD>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 5.05pt 0pt 0.1in; text-align: justify">On each contingent coupon
payment date, unless previously redeemed, the securities will pay a contingent coupon at a per annum rate equal to the contingent coupon
rate if and only if the closing value of the lowest performing underlying on the immediately preceding calculation day is greater than
or equal to its coupon threshold value. Each &ldquo;contingent coupon payment,&rdquo; if any, will be calculated per security as follows:
($1,000 &times; contingent coupon rate)/12. Any contingent coupon payment will be rounded to the nearest cent, with one-half cent rounded
upward. In addition, if the closing value of the lowest performing underlying on one or more calculation days is less than its coupon
threshold value and, on a subsequent calculation day, the closing value of the lowest performing underlying on that subsequent calculation
day is greater than or equal to its coupon threshold value, the securities will pay the contingent coupon payment due for that subsequent
calculation day <I>plus</I> all previously unpaid contingent coupon payments (without interest on amounts previously unpaid).</P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 5.1pt 0pt 0.1in; text-align: justify"><B>If the closing value of
the lowest performing underlying on any calculation day is less than its coupon threshold value, you will not receive any contingent
coupon payment on the immediately following contingent coupon payment date. In addition, if the closing value of the lowest performing
underlying on a calculation day is less than its coupon threshold value and the closing value of the lowest performing underlying on
each subsequent calculation day up to and including the final calculation day is less than its coupon threshold value, you will not receive
the unpaid contingent coupon payments in respect of those calculation days.</B></P></TD></TR>
  </TABLE>

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

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    <DIV STYLE="break-before: page; margin-top: 6pt"><TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse"><TR><TD STYLE="vertical-align: top; width: 86%"> <P STYLE="font: 14pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #BB0826"><B>Market Linked Securities&mdash;Auto-Callable with Contingent Coupon with Memory Feature and Contingent Downside</B></P><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #BB0826"><B>Principal at Risk Securities Linked to the Lowest Performing of Broadcom Inc., NVIDIA Corporation and Alphabet Inc. due November 30, 2028</B></P></TD><TD STYLE="width: 14%; font-size: 12pt; text-align: center"><FONT STYLE="font-family: Sans-Serif; font-size: 9pt; color: Red"><B><IMG SRC="image_003.jpg" ALT=""></B></FONT></TD></TR></TABLE><P STYLE="font-size: 10pt; margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<TABLE CELLSPACING="2" CELLPADDING="2" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR>
    <TD STYLE="width: 25%; border-top: white 1pt solid; border-bottom: white 1pt solid; background-color: #E0E3E2; padding-left: 0.1in"><FONT STYLE="font-size: 10pt"><B>Contingent Coupon Rate: </B></FONT></TD>
    <TD STYLE="width: 75%; padding-left: 0.1in; text-align: justify"><FONT STYLE="font-size: 10pt">At least 21.55% per annum (to be determined on the pricing date). </FONT></TD></TR>
  <TR>
    <TD STYLE="border-bottom: white 1pt solid; background-color: #E0E3E2; padding-left: 0.1in"><FONT STYLE="font-size: 10pt"><B>Maturity Payment Amount:</B></FONT></TD>
    <TD>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 5.1pt 0pt 0.1in; text-align: justify">If the securities are not automatically
redeemed prior to maturity, you will receive at maturity for each security you then hold (in addition to the contingent coupon due at
maturity and any previously unpaid contingent coupon payments, if due):</P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 5.1pt 0pt 0.35in; text-align: justify; text-indent: -0.25in">&squarf;&#9;<FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;if
the closing value of the lowest performing underlying on the final calculation day is <B>greater than or equal to</B> its downside threshold
value: $1,000; or</FONT></P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 5.1pt 0pt 0.35in; text-align: justify; text-indent: -0.25in">&squarf;&#9;<FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;if
the closing value of the lowest performing underlying on the final calculation day is <B>less than</B> its downside threshold value:
</FONT></P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 5.1pt 0pt 25.65pt; text-align: justify; text-indent: 0in"><FONT STYLE="background-color: white">$1,000
&times; the performance factor of the lowest performing underlying on the final calculation day</FONT></P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 5.1pt 0pt 0.1in; text-align: justify"><B>If the closing value of
the lowest performing underlying on the final calculation day is less than its downside threshold value, you will receive significantly
less than the stated principal amount of your securities, and possibly nothing, at maturity, and you will not receive any contingent
coupon payment at maturity (including any previously unpaid contingent coupon payments).</B></P></TD></TR>
  <TR>
    <TD STYLE="border-bottom: white 1pt solid; background-color: #E0E3E2; padding-left: 0.1in"><FONT STYLE="font-size: 10pt"><B>Automatic Early Redemption:</B></FONT></TD>
    <TD STYLE="padding-left: 0.1in; text-align: justify"><FONT STYLE="font-size: 10pt">If, on any potential autocall date, the closing value of the lowest performing underlying is greater than or equal to its starting value, each security you then hold will be automatically redeemed on the immediately following contingent coupon payment date for an amount in cash equal to $1,000 <I>plus</I> the related contingent coupon payment and any previously unpaid contingent coupon payments.</FONT></TD></TR>
  <TR>
    <TD STYLE="border-bottom: white 1pt solid; background-color: #E0E3E2; padding-left: 0.1in"><FONT STYLE="font-size: 10pt"><B>Potential Autocall Dates:</B></FONT></TD>
    <TD STYLE="padding-left: 0.1in; text-align: justify"><FONT STYLE="font-size: 10pt">Each calculation day beginning in May 2026 and ending in October 2028. </FONT></TD></TR>
  <TR>
    <TD STYLE="border-bottom: white 1pt solid; background-color: #E0E3E2; padding-left: 0.1in"><FONT STYLE="font-size: 10pt"><B>Starting Value:</B></FONT></TD>
    <TD>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 5.05pt 0pt 0.1in">With respect to Broadcom Inc.: $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;,
its closing value on the pricing date.</P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 5.05pt 0pt 0.1in">With respect to NVIDIA Corporation: $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;,
its closing value on the pricing date.</P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 5.05pt 0pt 0.1in">With respect to Alphabet Inc.: $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;,
its closing value on the pricing date.</P></TD></TR>
  <TR>
    <TD STYLE="border-bottom: white 1pt solid; background-color: #E0E3E2">
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.1in"><B>Coupon Threshold </B></P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.1in"><B>Value:</B></P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.1in">&nbsp;</P></TD>
    <TD>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 5.1pt 0pt 0.1in">With respect to Broadcom Inc.: $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
, which is equal to 70% of its starting value.</P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 5.1pt 0pt 0.1in">With respect to NVIDIA Corporation: $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
, which is equal to 70% of its starting value.</P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 5.1pt 0pt 0.1in">With respect to Alphabet Inc.: $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
, which is equal to 70% of its starting value.</P></TD></TR>
  <TR>
    <TD STYLE="border-bottom: white 1pt solid; background-color: #E0E3E2">
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.1in"><B>Downside Threshold </B></P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.1in"><B>Value:</B></P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.1in">&nbsp;</P></TD>
    <TD>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 5.1pt 0pt 0.1in">With respect to Broadcom Inc.: $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
, which is equal to 70% of its starting value.</P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 5.1pt 0pt 0.1in">With respect to NVIDIA Corporation: $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
, which is equal to 70% of its starting value.</P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 5.1pt 0pt 0.1in">With respect to Alphabet Inc.: $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
, which is equal to 70% of its starting value.</P></TD></TR>
  <TR>
    <TD STYLE="border-bottom: white 1pt solid; background-color: #E0E3E2; padding-left: 0.1in"><FONT STYLE="font-size: 10pt"><B>Performance Factor: </B></FONT></TD>
    <TD STYLE="padding-left: 0.1in"><FONT STYLE="font-size: 10pt">For each underlying on any calculation day, its closing value on that calculation day divided by its starting value </FONT></TD></TR>
  <TR>
    <TD STYLE="border-bottom: white 1pt solid; background-color: #E0E3E2; padding-left: 0.1in"><FONT STYLE="font-size: 10pt"><B>Lowest Performing Underlying:</B></FONT></TD>
    <TD STYLE="padding-left: 0.1in"><FONT STYLE="font-size: 10pt">For any calculation day, the underlying with the lowest performance factor determined as of that calculation day</FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: #E0E3E2; padding-left: 0.1in"><FONT STYLE="font-size: 10pt"><B>Calculation Agent:</B></FONT></TD>
    <TD STYLE="padding-left: 0.1in; text-align: justify"><FONT STYLE="font-size: 10pt">CGMI</FONT></TD></TR>
  <TR>
    <TD STYLE="border-top: white 1pt solid; background-color: #E0E3E2; padding-left: 0.1in"><FONT STYLE="font-size: 10pt"><B>Denominations:</B></FONT></TD>
    <TD STYLE="padding-left: 0.1in; text-align: justify"><FONT STYLE="font-size: 10pt">$1,000 and any integral multiple of $1,000.</FONT></TD></TR>
  </TABLE>

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

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    <DIV STYLE="break-before: page; margin-top: 6pt"><TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse"><TR><TD STYLE="vertical-align: top; width: 86%"> <P STYLE="font: 14pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #BB0826"><B>Market Linked Securities&mdash;Auto-Callable with Contingent Coupon with Memory Feature and Contingent Downside</B></P><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #BB0826"><B>Principal at Risk Securities Linked to the Lowest Performing of Broadcom Inc., NVIDIA Corporation and Alphabet Inc. due November 30, 2028</B></P></TD><TD STYLE="width: 14%; font-size: 12pt; text-align: center"><FONT STYLE="font-family: Sans-Serif; font-size: 9pt; color: Red"><B><IMG SRC="image_003.jpg" ALT=""></B></FONT></TD></TR></TABLE><P STYLE="font-size: 10pt; margin: 0pt">&nbsp;</P></DIV>
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<TABLE CELLSPACING="2" CELLPADDING="2" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR>
    <TD STYLE="border-top: white 1pt solid; background-color: #E0E3E2; padding-left: 0.1in; width: 25%"><FONT STYLE="font-size: 10pt"><B>CUSIP / ISIN:</B></FONT></TD>
    <TD STYLE="padding-left: 0.1in; text-align: justify; width: 75%"><FONT STYLE="font-size: 10pt">17331BK99 / US17331BK999 </FONT></TD></TR>
</TABLE>

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

<P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">* Expected. To the extent that the issuer makes
any change to the expected pricing date or expected issue date, the calculation days and maturity date may also be changed in the issuer&rsquo;s
discretion to ensure that the term of the securities remains the same.</P>

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


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<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top; background-color: #688FCF">
    <TD STYLE="padding: 4pt; font-size: 12pt; text-align: center; width: 100%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 12pt; color: white"><B>Additional
    Information</B></FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">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, the accompanying product supplement contains important information about how the closing values of the underlyings will be determined
and other specified events with respect to the underlyings.&nbsp;&nbsp;It is important that you read the accompanying product supplement,
prospectus supplement and prospectus together with this pricing supplement in deciding 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 Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">When we refer to &ldquo;we,&rdquo; &ldquo;us&rdquo;
and &ldquo;our&rdquo; in this pricing supplement, we refer only to Citigroup Global Markets Holdings Inc. and not to any of its affiliates,
including Citigroup Inc.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">You may access the product supplement and prospectus
supplement and prospectus on the SEC website www.sec.gov as follows (or if such address has changed, by reviewing our filings for the
relevant date on the SEC website):</P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 12.25pt">&bull;</TD><TD STYLE="text-align: justify">Product Supplement No. EA-08-02 dated March 23, 2023:</TD></TR></TABLE>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 10pt Times New Roman, Times, Serif"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 12.25pt; text-align: justify; text-indent: 0pt"><A HREF="https://www.sec.gov/Archives/edgar/data/200245/000095010323004586/dp190173_424b2-wf0802.htm" STYLE="color: Blue; text-decoration: underline">https://www.sec.gov/Archives/edgar/data/200245/000095010323004586/dp190173_424b2-wf0802.htm</A></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 12.25pt; text-align: justify; text-indent: 0pt">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 12.25pt">&bull;</TD><TD STYLE="text-align: justify">Prospectus Supplement and Prospectus, each dated March 7, 2023:</TD></TR></TABLE>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 10pt Times New Roman, Times, Serif"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 12.2pt"><A HREF="https://www.sec.gov/Archives/edgar/data/200245/000119312523063080/d470905d424b2.htm" STYLE="color: Blue; text-decoration: underline">https://www.sec.gov/Archives/edgar/data/200245/000119312523063080/d470905d424b2.htm</A></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 12.2pt">&nbsp;</P>


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    <DIV STYLE="break-before: page; margin-top: 6pt"><TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse"><TR><TD STYLE="vertical-align: top; width: 86%"> <P STYLE="font: 14pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #BB0826"><B>Market Linked Securities&mdash;Auto-Callable with Contingent Coupon with Memory Feature and Contingent Downside</B></P><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #BB0826"><B>Principal at Risk Securities Linked to the Lowest Performing of Broadcom Inc., NVIDIA Corporation and Alphabet Inc. due November 30, 2028</B></P></TD><TD STYLE="width: 14%; font-size: 12pt; text-align: center"><FONT STYLE="font-family: Sans-Serif; font-size: 9pt; color: Red"><B><IMG SRC="image_003.jpg" ALT=""></B></FONT></TD></TR></TABLE><P STYLE="font-size: 10pt; margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top; background-color: #688FCF">
    <TD STYLE="padding: 4pt; font-size: 12pt; text-align: center; width: 100%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 12pt; color: white"><B>Investor
    Considerations</B></FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">The securities are not appropriate for all investors.
The securities may be an appropriate investment for investors who:</P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 17.95pt"></TD><TD STYLE="width: 18pt"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">seek an investment with periodic contingent coupon payments equal to the amount indicated on the cover
hereof until the earlier of maturity or automatic redemption, if, <B>and only if</B>, the closing value of the lowest performing underlying
on the relevant calculation day is greater than or equal to its coupon threshold value;</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 17.95pt"></TD><TD STYLE="width: 18pt"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">understand that if the closing value of the lowest performing underlying on the final calculation day
is less than its downside threshold value, they will be fully exposed to the decline in the lowest performing underlying from its starting
value and will receive significantly less than the stated principal amount, and possibly nothing, at maturity;</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 17.95pt"></TD><TD STYLE="width: 18pt"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">are willing to accept the risk that they may receive few or no contingent coupon payments over the term
of the securities;</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 17.95pt"></TD><TD STYLE="width: 18pt"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">understand that the securities may be automatically redeemed prior to maturity and that the term of the
securities may be limited;</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 17.95pt"></TD><TD STYLE="width: 18pt"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">understand that the return on the securities will depend solely on the performance of the underlying that
is the lowest performing underlying on each calculation day and that they will not benefit in any way from the performance of any better
performing underlying;</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 17.95pt"></TD><TD STYLE="width: 18pt"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">understand that the securities are riskier than alternative investments linked to only one of the underlyings
or linked to a basket composed of each underlying;</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 17.95pt"></TD><TD STYLE="width: 18pt"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">understand and are willing to accept the full downside risks of each underlying;</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 17.95pt"></TD><TD STYLE="width: 18pt"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">are willing to forgo participation in any appreciation of any underlying and dividends on the underlyings;
and</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 17.95pt"></TD><TD STYLE="width: 18pt"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">are willing to hold the securities to maturity.</TD></TR></TABLE>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">The securities may not be an appropriate investment
for investors who:</P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 17.95pt"></TD><TD STYLE="width: 18pt"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">seek a liquid investment or are unable or unwilling to hold the securities to maturity;</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 17.95pt"></TD><TD STYLE="width: 18pt"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">seek full return of the stated principal amount of the securities at maturity;</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 17.95pt"></TD><TD STYLE="width: 18pt"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">seek a security with a fixed term;</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 17.95pt"></TD><TD STYLE="width: 18pt"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">are unwilling to purchase securities with the estimated value set forth on the cover page;</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 17.95pt"></TD><TD STYLE="width: 18pt"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">are unwilling to accept the risk that the closing value of the lowest performing underlying on the final
calculation day may be less than its downside threshold value;</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 17.95pt"></TD><TD STYLE="width: 18pt"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">seek certainty of current income over the term of the securities;</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 17.95pt"></TD><TD STYLE="width: 18pt"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">seek exposure to the upside performance of any or each underlying;</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 17.95pt"></TD><TD STYLE="width: 18pt"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">seek exposure to a basket composed of each underlying or a similar investment in which the overall return
is based on a blend of the performances of the underlyings, rather than solely on the lowest performing underlying;</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 17.95pt"></TD><TD STYLE="width: 18pt"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">are unwilling to accept the risk of exposure to the underlyings;</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 17.95pt"></TD><TD STYLE="width: 18pt"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">are unwilling to accept the credit risk of Citigroup Global Markets Holdings Inc. and Citigroup Inc.;
or</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 17.95pt"></TD><TD STYLE="width: 18pt"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">prefer the lower risk of fixed income investments with comparable maturities issued by companies with
comparable credit ratings.</TD></TR></TABLE>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>The considerations identified above are not
exhaustive. Whether or not the securities are an appropriate 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 advisors have carefully considered
the appropriateness of an investment in the securities in light of your particular circumstances. You should also review carefully the
&ldquo;Summary Risk Factors&rdquo; herein and the &ldquo;Risk Factors&rdquo; in the accompanying product supplement for risks related
to an investment in the securities. For more information about the underlyings, please see the information provided below.</B></P>

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


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    <DIV STYLE="margin-bottom: 6pt; border-bottom: Black 1pt solid"><P STYLE="font: 10pt Times New Roman, Times, 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"><TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse"><TR><TD STYLE="vertical-align: top; width: 86%"> <P STYLE="font: 14pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #BB0826"><B>Market Linked Securities&mdash;Auto-Callable with Contingent Coupon with Memory Feature and Contingent Downside</B></P><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #BB0826"><B>Principal at Risk Securities Linked to the Lowest Performing of Broadcom Inc., NVIDIA Corporation and Alphabet Inc. due November 30, 2028</B></P></TD><TD STYLE="width: 14%; font-size: 12pt; text-align: center"><FONT STYLE="font-family: Sans-Serif; font-size: 9pt; color: Red"><B><IMG SRC="image_003.jpg" ALT=""></B></FONT></TD></TR></TABLE><P STYLE="font-size: 10pt; margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top; background-color: #688FCF">
    <TD STYLE="padding: 4pt; font-size: 12pt; text-align: center; width: 100%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 12pt; color: white"><B>Determining
    Payment On A Contingent Coupon Payment Date and at Maturity</B></FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">If the securities have not been previously automatically
redeemed, on each contingent coupon payment date, you will either receive a contingent coupon payment (including any previously unpaid
contingent coupon payments) or you will not receive a contingent coupon payment, depending on the closing value of the lowest performing
underlying on the related calculation day.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>Step 1</B>: <FONT STYLE="background-color: white">Determine
which underlying is the lowest performing underlying on the relevant calculation day. The lowest performing underlying on any calculation
day is the underlying with the lowest performance factor on that calculation day.&nbsp;&nbsp;The performance factor of an underlying on
a calculation day is its closing value on that calculation day <I>divided by</I> its starting value</FONT>.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>Step 2</B>: Determine whether a contingent
coupon (including any previously unpaid contingent coupons) is paid on the applicable contingent coupon payment date based on the closing
value of the lowest performing underlying on the relevant calculation day, as follows:</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><IMG SRC="image_001.jpg" ALT="" STYLE="height: 312px; width: 720px"></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">If the relevant calculation day were also a potential
autocall date and the closing value of the lowest performing underlying on the relevant calculation day were greater than or equal to
its starting value, the securities would be automatically redeemed on the applicable contingent coupon payment date for an amount in cash
equal to $1,000 <I>plus</I> the related contingent coupon payment and any previously unpaid contingent coupon payments.</P>

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


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    <DIV STYLE="break-before: page; margin-top: 6pt"><TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse"><TR><TD STYLE="vertical-align: top; width: 86%"> <P STYLE="font: 14pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #BB0826"><B>Market Linked Securities&mdash;Auto-Callable with Contingent Coupon with Memory Feature and Contingent Downside</B></P><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #BB0826"><B>Principal at Risk Securities Linked to the Lowest Performing of Broadcom Inc., NVIDIA Corporation and Alphabet Inc. due November 30, 2028</B></P></TD><TD STYLE="width: 14%; font-size: 12pt; text-align: center"><FONT STYLE="font-family: Sans-Serif; font-size: 9pt; color: Red"><B><IMG SRC="image_003.jpg" ALT=""></B></FONT></TD></TR></TABLE><P STYLE="font-size: 10pt; margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">On the maturity date, if the securities have not
been automatically redeemed prior to the maturity date, you will receive (in addition to the final contingent coupon payment and any previously
unpaid contingent coupon payments, if due) a cash payment per security (the maturity payment amount) calculated as follows:</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>Step 1</B>: <FONT STYLE="background-color: white">Determine
which underlying is the lowest performing underlying on the final calculation day. The lowest performing underlying on the final calculation
day is the underlying with the lowest performance factor on the final calculation day.&nbsp;&nbsp;The performance factor of an underlying
on the final calculation day is its closing value on the final calculation day <I>divided by</I> its starting value</FONT>.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>Step 2</B>: Calculate the maturity payment
amount based on the closing value of the lowest performing underlying on the final calculation day, as follows:</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><IMG SRC="image_002.jpg" ALT="" STYLE="height: 312px; width: 542px"></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>


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    <DIV STYLE="break-before: page; margin-top: 6pt"><TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse"><TR><TD STYLE="vertical-align: top; width: 86%"> <P STYLE="font: 14pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #BB0826"><B>Market Linked Securities&mdash;Auto-Callable with Contingent Coupon with Memory Feature and Contingent Downside</B></P><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #BB0826"><B>Principal at Risk Securities Linked to the Lowest Performing of Broadcom Inc., NVIDIA Corporation and Alphabet Inc. due November 30, 2028</B></P></TD><TD STYLE="width: 14%; font-size: 12pt; text-align: center"><FONT STYLE="font-family: Sans-Serif; font-size: 9pt; color: Red"><B><IMG SRC="image_003.jpg" ALT=""></B></FONT></TD></TR></TABLE><P STYLE="font-size: 10pt; margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top; background-color: #688FCF">
    <TD STYLE="padding: 4pt; font-size: 12pt; text-align: center; width: 100%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 12pt; color: white"><B>Hypothetical
    Payout Profile</B></FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">The following profile illustrates the potential
maturity payment amount on the securities (excluding the final contingent coupon payment and any previously unpaid contingent coupon payments,
if due) for a range of hypothetical performances of the lowest performing underlying on the final calculation day from its starting value
to its closing value on the final calculation day, assuming the securities have not been automatically redeemed prior to the maturity
date. This graph has been prepared for purposes of illustration only. Your actual return on the securities will depend on the actual closing
value of the lowest performing underlying on the final calculation day and whether you hold your securities to the maturity date.&nbsp;&nbsp;The
performance of any better performing underlying is not relevant to your return on the securities.</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-size: 10pt"><IMG SRC="image_001.gif" ALT="" STYLE="height: 495px; width: 720px"></FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>


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    <DIV STYLE="break-before: page; margin-top: 6pt"><TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse"><TR><TD STYLE="vertical-align: top; width: 86%"> <P STYLE="font: 14pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #BB0826"><B>Market Linked Securities&mdash;Auto-Callable with Contingent Coupon with Memory Feature and Contingent Downside</B></P><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #BB0826"><B>Principal at Risk Securities Linked to the Lowest Performing of Broadcom Inc., NVIDIA Corporation and Alphabet Inc. due November 30, 2028</B></P></TD><TD STYLE="width: 14%; font-size: 12pt; text-align: center"><FONT STYLE="font-family: Sans-Serif; font-size: 9pt; color: Red"><B><IMG SRC="image_003.jpg" ALT=""></B></FONT></TD></TR></TABLE><P STYLE="font-size: 10pt; margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top; background-color: #688FCF">
    <TD STYLE="padding: 4pt; font-size: 12pt; text-align: center; width: 100%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 12pt; color: white"><B>Summary
    Risk Factors</B></FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">An investment in the securities is significantly
riskier than an investment in conventional debt securities.&nbsp;&nbsp;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 each of the underlyings.&nbsp;&nbsp;Accordingly,
the securities are appropriate only for investors who are capable of understanding the complexities and risks of the securities.&nbsp;&nbsp;You
should consult your own financial, tax and legal advisors as to the risks of an investment in the securities and the appropriateness of
the securities in light of your particular circumstances.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">The following is a summary of certain key risk
factors for investors in the securities.&nbsp;&nbsp;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&rdquo; beginning on page PS-5 in the accompanying
product supplement.&nbsp;&nbsp;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 Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>You May Lose Some Or All Of Your Investment.
</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Unlike conventional debt securities, the securities
do not provide for the repayment of the stated principal amount at maturity in all circumstances.&nbsp;&nbsp;If the securities are not
automatically redeemed prior to maturity, your maturity payment amount will depend on the closing value of the lowest performing underlying
on the final calculation day.&nbsp;&nbsp;If the closing value of the lowest performing underlying on the final calculation day is less
than its downside threshold value, you will lose 1% of the stated principal amount of the securities for every 1% by which the lowest
performing underlying has declined from its starting value.&nbsp;&nbsp;There is no minimum maturity payment amount on the securities,
and you may lose up to all of your investment.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>You Will Not Receive Any Contingent Coupon
On The Contingent Coupon Payment Date Following Any Calculation Day On Which The Closing Value Of The Lowest Performing Underlying Is
Less Than Its Coupon Threshold Value.</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">A contingent coupon payment will be made on a
contingent coupon payment date if and only if the closing value of the lowest performing underlying on the immediately preceding calculation
day is greater than or equal to its coupon threshold value. If the closing value of the lowest performing underlying is less than its
coupon threshold value on any calculation day, you will not receive any contingent coupon payment on the immediately following contingent
coupon payment date. You will receive a previously unpaid contingent coupon payment on a subsequent contingent coupon payment date if
and only if the closing value of the lowest performing underlying on the related calculation day is greater than or equal to its coupon
threshold value. If the closing value of the lowest performing underlying is below its coupon threshold value on each calculation day,
you will not receive any contingent coupon payments over the term of the securities.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>Higher Contingent Coupon Rates Are Associated
With Greater Risk.</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">The securities offer contingent coupon payments
at an annualized rate that, if all are paid, would produce a yield that is generally higher than the yield on our conventional debt securities
of the same maturity. This higher potential yield is associated with greater levels of expected risk as of the pricing date for the securities,
including the risk that you may not receive a contingent coupon payment on one or more, or any, contingent coupon payment dates and the
risk that the securities will not be automatically redeemed and the value of what you receive at maturity may be significantly less than
the stated principal amount of your securities and may be zero. The volatility of and the correlation between the underlyings are important
factors affecting these risks. Greater expected volatility of and lower expected correlation between the underlyings as of the pricing
date may result in a higher contingent coupon rate, but would also represent a greater expected likelihood as of the pricing date that
(i) the closing value of the lowest performing underlying on one or more calculation days will be less than its coupon threshold value,
such that you will not receive one or more, or any, contingent coupon payments during the term of the securities and (ii) the securities
will not be automatically redeemed and the closing value of the lowest performing underlying on the final calculation day will be less
than its downside threshold value, such that you will not be repaid the stated principal amount of your securities at maturity.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>The Securities Are Subject To Heightened Risk
Because They Have Multiple Underlyings.</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">The securities are more risky than similar investments
that may be available with only one underlying. With multiple underlyings, there is a greater chance that any one underlying will perform
poorly, adversely affecting your return on the securities.</P>

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


<!-- Field: Page; Sequence: 10; Value: 2 -->
    <DIV STYLE="margin-bottom: 6pt; border-bottom: Black 1pt solid"><P STYLE="font: 10pt Times New Roman, Times, 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"><TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse"><TR><TD STYLE="vertical-align: top; width: 86%"> <P STYLE="font: 14pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #BB0826"><B>Market Linked Securities&mdash;Auto-Callable with Contingent Coupon with Memory Feature and Contingent Downside</B></P><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #BB0826"><B>Principal at Risk Securities Linked to the Lowest Performing of Broadcom Inc., NVIDIA Corporation and Alphabet Inc. due November 30, 2028</B></P></TD><TD STYLE="width: 14%; font-size: 12pt; text-align: center"><FONT STYLE="font-family: Sans-Serif; font-size: 9pt; color: Red"><B><IMG SRC="image_003.jpg" ALT=""></B></FONT></TD></TR></TABLE><P STYLE="font-size: 10pt; margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>The Securities Are Subject To The Risks Of
Each Of The Underlyings And Will Be Negatively Affected If Any One Underlying Performs Poorly, Regardless Of The Performance Of Any Other
Underlying.</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">You are subject to risks associated with each
of the underlyings. If any one underlying performs poorly, you will be negatively affected, regardless of the performance of any other
underlying. The securities are not linked to a basket composed of the underlyings, where the blended performance of the underlyings would
be better than the performance of the lowest performing underlying alone.&nbsp;&nbsp;Instead, you are subject to the full risks of whichever
of the underlyings is the lowest performing underlying.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>You Will Not Benefit In Any Way From The Performance
Of Any Better Performing Underlying.</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">The return on the securities depends solely on
the performance of the lowest performing underlying, and you will not benefit in any way from the performance of any better performing
underlying.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>You Will Be Subject To Risks Relating To The
Relationship Between The Underlyings.</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">It is preferable from your perspective for the
underlyings to be correlated with each other, in the sense that they tend to increase or decrease at similar times and by similar magnitudes.&nbsp;&nbsp;By
investing in the securities, you assume the risk that the underlyings will not exhibit this relationship.&nbsp;&nbsp;The less correlated
the underlyings, the more likely it is that any one of the underlyings will perform poorly over the term of the securities. All that is
necessary for the securities to perform poorly is for one of the underlyings to perform poorly; the performance of any underlying that
is not the lowest performing underlying is not relevant to your return on the securities.&nbsp;&nbsp;It is impossible to predict what
the relationship between the underlyings will be over the term of the securities.&nbsp;&nbsp;The underlyings differ in significant ways
and, therefore, may not be correlated with each other.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>You Will Not Receive Dividends Or Have Any
Other Rights With Respect To The Underlyings.</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">You will not receive any dividends with respect
to the underlyings. This lost dividend yield may be significant over the term of the securities. The payment scenarios described in this
pricing supplement do not show any effect of lost dividend yield over the term of the securities. In addition, you will not have voting
rights or any other rights with respect to the underlyings. If any change to any underlying is proposed, such as an amendment to an underlying&rsquo;s
organizational documents, you will not have the right to vote on such change. Any such change may adversely affect the market value of
the underlyings.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>You May Not Be Adequately Compensated For Assuming
The Downside Risk Of The Lowest Performing Underlying.</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">The potential contingent coupon payments on the
securities are the compensation you receive for assuming the downside risk of the lowest performing underlying, as well as all the other
risks of the securities. That compensation is effectively &ldquo;at risk&rdquo; and may, therefore, be less than you currently anticipate.
First, the actual yield you realize on the securities could be lower than you anticipate because the coupon is &ldquo;contingent&rdquo;
and you may not receive a contingent coupon payment on one or more, or any, of the contingent coupon payment dates. Second, the contingent
coupon payments are the compensation you receive not only for the downside risk of the lowest performing underlying, but also for all
of the other risks of the securities, including the risk that the securities may be automatically redeemed prior to maturity, interest
rate risk and our and Citigroup Inc.&rsquo;s credit risk.&nbsp;&nbsp;If those other risks increase or are otherwise greater than you currently
anticipate, the contingent coupon payments may turn out to be inadequate to compensate you for all the risks of the securities, including
the downside risk of the lowest performing underlying.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>The Securities May Be Automatically Redeemed
Prior To Maturity, Limiting Your Opportunity To Receive Contingent Coupon Payments.</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">On any potential autocall date, the securities
will be automatically redeemed if the closing value of the lowest performing underlying on that potential autocall date is greater than
or equal to its starting value. Thus, the term of the securities may be limited.&nbsp;&nbsp;If the securities are redeemed prior to maturity,
you will not receive any additional contingent coupon payments.&nbsp;&nbsp;Moreover, you may not be able to reinvest your funds in another
investment that provides a similar yield with a similar level of risk.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>The Securities Offer Downside Exposure To The
Lowest Performing Underlying, But No Upside Exposure To Any Underlying.</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">You will not participate in any appreciation in
the value of any underlying over the term of the securities. Consequently, your return on the securities will be limited to the contingent
coupon payments you receive, if any, and may be significantly less than the return on any underlying over the term of the securities.
In addition, as an investor in the securities, you will not receive any dividends or other distributions or have any other rights with
respect to any underlying.</P>

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


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    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>The Performance Of The Securities Will Depend
On The Closing Values Of The Underlyings Solely On The Calculation Days, Which Makes The Securities Particularly Sensitive To Volatility
In The Closing Values Of The Underlyings.</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Whether the contingent coupon will be paid on
any given contingent coupon payment date (and whether any previously unpaid contingent coupon payments will be paid) and whether the securities
will be automatically redeemed prior to maturity will depend on the closing values of the underlyings solely on the applicable calculation
days, regardless of the closing values of the underlyings on other days during the term of the securities. If the securities are not automatically
redeemed, what you receive at maturity will depend solely on the closing value of the lowest performing underlying on the final calculation
day, and not on any other day during the term of the securities. Because the performance of the securities depends on the closing values
of the underlyings on a limited number of dates, the securities will be particularly sensitive to volatility in the closing values of
the underlyings. You should understand that the closing value of each of the underlyings has historically been highly volatile.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>The Securities Are Subject To The Credit Risk
Of Citigroup Global Markets Holdings Inc. And Citigroup Inc.</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">If we default on our obligations under the securities
and Citigroup Inc. defaults on its guarantee obligations, you may not receive anything owed to you under the securities.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>The Securities Will Not Be Listed On Any Securities
Exchange And You May Not Be Able To Sell Them Prior To Maturity.</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">The securities will not be listed on any securities
exchange. Therefore, there may be little or no secondary market for the securities.&nbsp;&nbsp;We have been advised that Wells Fargo currently
intends to make a secondary market in relation to the securities.&nbsp;&nbsp;However, Wells Fargo may suspend or terminate making a market
without notice, at any time and for any reason.&nbsp;&nbsp;If Wells Fargo suspends or terminates making a market, there may be no secondary
market at all for the securities because it is likely that Wells Fargo 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 Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>The Estimated Value Of The Securities On The
Pricing Date, Based On CGMI&rsquo;s Proprietary Pricing Models And Our Internal Funding Rate, Is Less Than The Public Offering Price.</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">The difference is attributable to certain costs
associated with selling, structuring and hedging the securities that are included in the public offering price.&nbsp;&nbsp;These costs
include (i) any selling concessions or other fees 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 and/or Wells Fargo or its affiliates in connection with hedging our obligations
under the securities.&nbsp;&nbsp;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.&nbsp;&nbsp;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.&nbsp;&nbsp;See &ldquo;The
Estimated Value Of The Securities Would Be Lower If It Were Calculated Based On Wells Fargo&rsquo;s Determination Of The Secondary Market
Rate With Respect To Us&rdquo; below.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>The Estimated Value Of The Securities Was Determined
For Us By Our Affiliate Using Proprietary Pricing Models.</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">CGMI derived the estimated value disclosed on
the cover page of this pricing supplement from its proprietary pricing models.&nbsp;&nbsp;In doing so, it may have made discretionary
judgments about the inputs to its models, such as the volatility of and correlation between the underlyings, dividend yields on the underlyings
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.&nbsp;&nbsp;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.&nbsp;&nbsp;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.&nbsp;&nbsp;You should not invest in the securities because of the estimated value of the securities.&nbsp;&nbsp;Instead,
you should be willing to hold the securities to maturity irrespective of the initial estimated value.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>The Estimated Value Of The Securities Would
Be Lower If It Were Calculated Based On Wells Fargo&rsquo;s Determination Of The Secondary Market Rate With Respect To Us.</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">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. We expect that our internal funding rate is generally lower than Wells Fargo&rsquo;s determination
of the secondary market rate with respect to us, which is the rate that we expect Wells Fargo will use in determining the value of the
securities for purposes of any purchases of the securities from you in the secondary market.&nbsp;&nbsp;If the estimated value included
in this pricing supplement were based on Wells Fargo&rsquo;s determination of the secondary market rate with respect to us, rather than
our internal funding rate, it would likely be lower.&nbsp;&nbsp;We determine our internal funding rate based on factors</P>

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


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    <DIV STYLE="break-before: page; margin-top: 6pt"><TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse"><TR><TD STYLE="vertical-align: top; width: 86%"> <P STYLE="font: 14pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #BB0826"><B>Market Linked Securities&mdash;Auto-Callable with Contingent Coupon with Memory Feature and Contingent Downside</B></P><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #BB0826"><B>Principal at Risk Securities Linked to the Lowest Performing of Broadcom Inc., NVIDIA Corporation and Alphabet Inc. due November 30, 2028</B></P></TD><TD STYLE="width: 14%; font-size: 12pt; text-align: center"><FONT STYLE="font-family: Sans-Serif; font-size: 9pt; color: Red"><B><IMG SRC="image_003.jpg" ALT=""></B></FONT></TD></TR></TABLE><P STYLE="font-size: 10pt; margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">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.&nbsp;&nbsp;Our
internal funding rate is not an interest rate that is payable on the securities.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Because there is not an active market for traded
instruments referencing our outstanding debt obligations, Wells Fargo may determine the secondary market rate with respect to us for purposes
of any purchase of the securities from you in the secondary market 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 Wells Fargo may deem appropriate.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>The Estimated Value Of The Securities Is Not
An Indication Of The Price, If Any, At Which Any Person May Be Willing To Buy The Securities From You In The Secondary Market.</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">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.&nbsp;&nbsp;Moreover, unlike the
estimated value included in this pricing supplement, we expect that any value of the securities determined for purposes of a secondary
market transaction will be based on Wells Fargo&rsquo;s determination of the secondary market rate with respect to us, which will likely
result in a lower value for the securities than if our internal funding rate were used.&nbsp;&nbsp;In addition, we expect that 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 may be reduced by the expected cost of unwinding related hedging
transactions.&nbsp;&nbsp;As a result, it is likely that any secondary market price for the securities will be less than the public offering
price.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>The Value Of The Securities Prior To Maturity
Will Fluctuate Based On Many Unpredictable Factors.</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">The value of your securities prior to maturity
will fluctuate based on the closing values of the underlyings, the volatility of the closing values of the underlyings, the correlation
between the underlyings, dividend yields on the underlyings, interest rates generally, the time remaining to maturity and our and Citigroup
Inc.&rsquo;s creditworthiness, as reflected in our secondary market rate, among other factors described under &ldquo;Risk Factors&mdash;General
Risk Factors Relating To All Securities&mdash;The Value Of Your Securities Prior To Maturity Will Fluctuate Based On Many Unpredictable
Factors&rdquo; in the accompanying product supplement.&nbsp;&nbsp;Changes in the closing values of the underlyings may not result in a
comparable change in the value of your securities.&nbsp;&nbsp;You should understand that the value of your securities at any time prior
to maturity may be significantly less than the public offering price.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>We Have Been Advised That, Immediately Following
Issuance, Any Secondary Market Bid Price Provided By Wells Fargo, And The Value That Will Be Indicated On Any Brokerage Account Statements
Prepared By Wells Fargo Or Its Affiliates, Will Reflect A Temporary Upward Adjustment.</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">The amount of this temporary upward adjustment
will steadily decline to zero over the temporary adjustment period.&nbsp;&nbsp;See &ldquo;Valuation of the Securities&rdquo; in this pricing
supplement.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>Our Offering Of The Securities Is Not A Recommendation
Of Any Underlying.</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">The fact that we are offering the securities does
not mean that we or Wells Fargo or its affiliates believe that investing in an instrument linked to the underlyings is likely to achieve
favorable returns. In fact, as we and Wells Fargo and its affiliates are each part of respective global financial institutions, our affiliates
and affiliates of Wells Fargo may have positions (including short positions) in the underlyings or in instruments related to the underlyings,
and may publish research or express opinions, that in each case are inconsistent with an investment linked to the underlyings. These and
other activities of our affiliates or of Wells Fargo or its affiliates may affect the closing values of the underlyings in a way that
negatively affects the value of and your return on the securities.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>The Closing Value Of An Underlying May Be Adversely
Affected By Our Or Our Affiliates&rsquo;, Or By Wells Fargo And Its Affiliates&rsquo;, Hedging And Other Trading Activities.</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">We expect to hedge our obligations under the securities
through CGMI or other of our affiliates and/or Wells Fargo or its affiliates, who may take positions in the underlyings or in financial
instruments related to the underlyings and may adjust such positions during the term of the securities.&nbsp;&nbsp;Our affiliates and
Wells Fargo and its affiliates may also take positions in the underlyings or in financial instruments related to the underlyings on a
regular basis (taking long or short positions or both), for their accounts, for other accounts under their management or to facilitate
transactions on behalf of customers. These activities could affect the closing values of the underlyings in a way that negatively affects
the value of and your return on the securities. They could also result in substantial returns for us or our affiliates or Wells Fargo
and its affiliates while the value of the securities declines.</P>

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


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    <DIV STYLE="break-before: page; margin-top: 6pt"><TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse"><TR><TD STYLE="vertical-align: top; width: 86%"> <P STYLE="font: 14pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #BB0826"><B>Market Linked Securities&mdash;Auto-Callable with Contingent Coupon with Memory Feature and Contingent Downside</B></P><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #BB0826"><B>Principal at Risk Securities Linked to the Lowest Performing of Broadcom Inc., NVIDIA Corporation and Alphabet Inc. due November 30, 2028</B></P></TD><TD STYLE="width: 14%; font-size: 12pt; text-align: center"><FONT STYLE="font-family: Sans-Serif; font-size: 9pt; color: Red"><B><IMG SRC="image_003.jpg" ALT=""></B></FONT></TD></TR></TABLE><P STYLE="font-size: 10pt; margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>We And Our Affiliates And Wells Fargo And Its
Affiliates May Have Economic Interests That Are Adverse To Yours As A Result Of Our And Their Respective Business Activities.</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Our affiliates and Wells Fargo and its affiliates
engage in business activities with a wide range of companies.&nbsp;&nbsp;These activities include extending loans, making and facilitating
investments, underwriting securities offerings and providing advisory services.&nbsp;&nbsp;These activities could involve or affect the
underlyings in a way that negatively affects the value of and your return on the securities. They could also result in substantial returns
for us or our affiliates or Wells Fargo or its affiliates while the value of the securities declines.&nbsp;&nbsp;In addition, in the course
of this business, we or our affiliates or Wells Fargo or its affiliates may acquire non-public information, which will not be disclosed
to you.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>The Calculation Agent, Which Is An Affiliate
Of Ours, Will Make Important Determinations With Respect To The Securities.</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">If certain events occur during the term of the
securities, such as market disruption events and other events with respect to an underlying, CGMI, as calculation agent, will be required
to make discretionary judgments that could significantly affect your return on the securities.&nbsp;&nbsp;In making these judgments, the
calculation agent&rsquo;s interests as an affiliate of ours could be adverse to your interests as a holder of the securities.&nbsp;&nbsp;See
&ldquo;Risk Factors&mdash;General Risk Factors Relating To All Securities&mdash;The Calculation Agent, Which Is An Affiliate Of Ours,
Will Make Important Determinations With Respect To The Securities&rdquo; in the accompanying product supplement.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>The Securities Will Not Be Adjusted For All
Events That Could Affect The Value Of The Shares Of Any Underlying Stock.</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Certain events may occur during the term of the
securities that have a dilutive effect on the value of the shares of any underlying stock or otherwise adversely affect the market price
of such shares. The calculation agent will make certain adjustments for some of these events, as described under &ldquo;General Terms
of the Securities&rdquo; in the accompanying product supplement. However, an adjustment will not be made for all events that could have
a dilutive or adverse effect on such shares or their market price, such as ordinary dividends, partial tender offers or additional public
offerings of shares, and the adjustments that are made may not fully offset the dilutive or adverse effect of the particular event. Accordingly,
the occurrence of any event that has a dilutive or adverse effect on the shares of any underlying stock may adversely affect what you
receive at maturity or, if applicable, any other payment owed to you under the securities. Unlike an investor in the securities, a direct
holder of such shares may receive an offsetting benefit from any such event that may not be reflected in an adjustment to the terms of
the securities; therefore, you may experience dilution or adverse consequences in a circumstance in which a direct holder would not.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>If A Reorganization Event Occurs With Respect
To An Underlying Stock, The Calculation Agent May Make Adjustments To The Terms Of The Securities That Adversely Affect Your Return On
The Securities.</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">If a reorganization event occurs with respect
to an underlying stock to which the securities are linked, the calculation agent will have discretion to make such adjustments to the
terms of the securities as the calculation agent determines appropriate to account for the economic effect on the securities of such event.
In such an event, the calculation agent may, but is not required to, select a successor stock to which the securities may become linked
thereafter. In any case, the adjustments made by the calculation agent to the terms of the securities may adversely affect the value of
and your return on the securities.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>A Contingent Coupon Payment Date And The Stated
Maturity Date May Be Postponed If A Calculation Day is Postponed.</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">A calculation day (including the final calculation
day) with respect to an underlying will be postponed for non-trading days and certain market disruption events. If such a postponement
occurs, the related contingent coupon payment date or maturity date, as applicable, will be postponed. For more information regarding
adjustments to the calculation days and payment dates and the circumstances that may result in a market disruption event, see the relevant
sections of the accompanying product supplement.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>The U.S. Federal Tax Consequences Of An Investment
In The Securities Are Unclear.</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">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 treatment of
the securities as described in &ldquo;United States Federal Tax Considerations&rdquo; below.&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 Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>


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    <DIV STYLE="break-before: page; margin-top: 6pt"><TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse"><TR><TD STYLE="vertical-align: top; width: 86%"> <P STYLE="font: 14pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #BB0826"><B>Market Linked Securities&mdash;Auto-Callable with Contingent Coupon with Memory Feature and Contingent Downside</B></P><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #BB0826"><B>Principal at Risk Securities Linked to the Lowest Performing of Broadcom Inc., NVIDIA Corporation and Alphabet Inc. due November 30, 2028</B></P></TD><TD STYLE="width: 14%; font-size: 12pt; text-align: center"><FONT STYLE="font-family: Sans-Serif; font-size: 9pt; color: Red"><B><IMG SRC="image_003.jpg" ALT=""></B></FONT></TD></TR></TABLE><P STYLE="font-size: 10pt; margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Non-U.S. investors should note that persons having
withholding responsibility in respect of the securities may withhold on any coupon payment paid to a non-U.S. investor, generally at a
rate of 30%.&nbsp;&nbsp;To the extent that we have withholding responsibility in respect of the securities, we intend to so withhold.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">You should read carefully the discussion under &ldquo;United States
Federal Tax Considerations&rdquo; and &ldquo;General Risk Factors Relating to All 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 Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>


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    <DIV STYLE="break-before: page; margin-top: 6pt"><TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse"><TR><TD STYLE="vertical-align: top; width: 86%"> <P STYLE="font: 14pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #BB0826"><B>Market Linked Securities&mdash;Auto-Callable with Contingent Coupon with Memory Feature and Contingent Downside</B></P><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #BB0826"><B>Principal at Risk Securities Linked to the Lowest Performing of Broadcom Inc., NVIDIA Corporation and Alphabet Inc. due November 30, 2028</B></P></TD><TD STYLE="width: 14%; font-size: 12pt; text-align: center"><FONT STYLE="font-family: Sans-Serif; font-size: 9pt; color: Red"><B><IMG SRC="image_003.jpg" ALT=""></B></FONT></TD></TR></TABLE><P STYLE="font-size: 10pt; margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top; background-color: #688FCF">
    <TD STYLE="padding: 4pt; font-size: 12pt; text-align: center; width: 100%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 12pt; color: white"><B>Hypothetical
    Returns</B></FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>If the securities are automatically redeemed:</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">If the securities are automatically redeemed prior
to maturity, you will receive the stated principal amount of your securities <I>plus</I> the related contingent coupon payment and any
previously unpaid contingent coupon payments on the immediately following contingent coupon payment date. In the event the securities
are automatically redeemed, your total return on the securities will equal any contingent coupon payments received prior to such contingent
coupon payment date and any contingent coupon payment(s) received on such contingent coupon payment date.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>If the securities are not automatically redeemed:</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="background-color: white">If the securities
are not automatically redeemed prior to maturity, the following table illustrates, for a range of hypothetical performance factors of
the lowest performing underlying on the final calculation day, the hypothetical maturity payment amount payable at maturity per security
(excluding the final contingent coupon payment and any previously unpaid contingent coupon payments, if due).&nbsp;&nbsp;The performance
factor of the lowest performing underlying on the final calculation day is its closing value on the final calculation day <I>divided by
</I>its starting value</FONT>.</P>

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

<TABLE CELLSPACING="2" CELLPADDING="2" ALIGN="CENTER" STYLE="font: 10pt Times New Roman, Times, Serif; width: 60%; border-collapse: collapse">
  <TR>
    <TD STYLE="border-bottom: #688FCF 1pt solid; padding-left: 0.05in; text-align: center; width: 50%"><FONT STYLE="font-size: 10pt"><B>Hypothetical performance factor of lowest performing underlying on final calculation day</B></FONT></TD>
    <TD STYLE="border-bottom: #688FCF 1pt solid; padding-left: 0.05in; text-align: center; width: 50%"><FONT STYLE="font-size: 10pt"><B>Hypothetical maturity payment amount per security</B></FONT></TD></TR>
  <TR STYLE="vertical-align: top; background-color: #E0E3E2">
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">175.00%</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">$1,000.00</FONT></TD></TR>
  <TR STYLE="vertical-align: top; background-color: #E0E3E2">
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">160.00%</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">$1,000.00</FONT></TD></TR>
  <TR STYLE="vertical-align: top; background-color: #E0E3E2">
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">150.00%</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">$1,000.00</FONT></TD></TR>
  <TR STYLE="vertical-align: top; background-color: #E0E3E2">
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">140.00%</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">$1,000.00</FONT></TD></TR>
  <TR STYLE="vertical-align: top; background-color: #E0E3E2">
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">130.00%</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">$1,000.00</FONT></TD></TR>
  <TR STYLE="vertical-align: top; background-color: #E0E3E2">
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">120.00%</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">$1,000.00</FONT></TD></TR>
  <TR STYLE="vertical-align: top; background-color: #E0E3E2">
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">110.00%</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">$1,000.00</FONT></TD></TR>
  <TR STYLE="vertical-align: top; background-color: #E0E3E2">
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">100.00%</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">$1,000.00</FONT></TD></TR>
  <TR STYLE="background-color: #E0E3E2">
    <TD STYLE="vertical-align: top; border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">90.00%</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; vertical-align: bottom; text-align: center"><FONT STYLE="font-size: 10pt">$1,000.00</FONT></TD></TR>
  <TR STYLE="background-color: #E0E3E2">
    <TD STYLE="vertical-align: top; border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">80.00%</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; vertical-align: bottom; text-align: center"><FONT STYLE="font-size: 10pt">$1,000.00</FONT></TD></TR>
  <TR STYLE="background-color: #E0E3E2">
    <TD STYLE="vertical-align: top; border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">70.00%</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; vertical-align: bottom; text-align: center"><FONT STYLE="font-size: 10pt">$1,000.00</FONT></TD></TR>
  <TR STYLE="background-color: #E0E3E2">
    <TD STYLE="vertical-align: top; border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">69.99%</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; vertical-align: bottom; text-align: center"><FONT STYLE="font-size: 10pt">$699.90</FONT></TD></TR>
  <TR STYLE="background-color: #E0E3E2">
    <TD STYLE="vertical-align: top; border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">60.00%</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; vertical-align: bottom; text-align: center"><FONT STYLE="font-size: 10pt">$600.00</FONT></TD></TR>
  <TR STYLE="background-color: #E0E3E2">
    <TD STYLE="vertical-align: top; border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">50.00%</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; vertical-align: bottom; text-align: center"><FONT STYLE="font-size: 10pt">$500.00</FONT></TD></TR>
  <TR STYLE="background-color: #E0E3E2">
    <TD STYLE="vertical-align: top; border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">40.00%</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; vertical-align: bottom; text-align: center"><FONT STYLE="font-size: 10pt">$400.00</FONT></TD></TR>
  <TR STYLE="background-color: #E0E3E2">
    <TD STYLE="vertical-align: top; border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">30.00%</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; vertical-align: bottom; text-align: center"><FONT STYLE="font-size: 10pt">$300.00</FONT></TD></TR>
  <TR STYLE="background-color: #E0E3E2">
    <TD STYLE="vertical-align: top; border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">25.00%</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; vertical-align: bottom; text-align: center"><FONT STYLE="font-size: 10pt">$250.00</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">The above figures do not take into account contingent
coupon payments, if any, received during the term of the securities. As evidenced above, in no event will you have a positive return based
on the maturity payment amount; any positive return will be based solely on the contingent coupon payments, if any, received during the
term of the securities.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">The above figures are for purposes of illustration
only and may have been rounded for ease of analysis. If the securities are not automatically redeemed prior to maturity, the actual amount
you will receive at maturity will depend on the actual closing value of the lowest performing underlying on the final calculation day.
The performance of any better performing underlying is not relevant to your return on the securities.</P>

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


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    <DIV STYLE="break-before: page; margin-top: 6pt"><TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse"><TR><TD STYLE="vertical-align: top; width: 86%"> <P STYLE="font: 14pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #BB0826"><B>Market Linked Securities&mdash;Auto-Callable with Contingent Coupon with Memory Feature and Contingent Downside</B></P><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #BB0826"><B>Principal at Risk Securities Linked to the Lowest Performing of Broadcom Inc., NVIDIA Corporation and Alphabet Inc. due November 30, 2028</B></P></TD><TD STYLE="width: 14%; font-size: 12pt; text-align: center"><FONT STYLE="font-family: Sans-Serif; font-size: 9pt; color: Red"><B><IMG SRC="image_003.jpg" ALT=""></B></FONT></TD></TR></TABLE><P STYLE="font-size: 10pt; margin: 0pt">&nbsp;</P></DIV>
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<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top; background-color: #688FCF">
    <TD STYLE="padding: 4pt; font-size: 12pt; text-align: center; width: 100%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 12pt; color: white"><B>Hypothetical
    Examples</B></FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">The examples in the first section below illustrate
how to determine whether a contingent coupon will be paid (and whether any previously unpaid contingent coupon payments will be paid)
and whether the securities will be automatically redeemed following a calculation day that is also a potential autocall date.&nbsp;&nbsp;The
examples in the second section below illustrate how to determine the maturity payment amount on the securities if the securities are not
automatically redeemed prior to maturity.&nbsp;&nbsp;The examples are solely for illustrative purposes, do not show all possible outcomes
and are not a prediction of any payment that may be made on the securities.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">The examples below are based on the following
hypothetical values and do not reflect the actual starting values, coupon threshold values or downside threshold values of the underlyings.&nbsp;&nbsp;For
the actual starting value, coupon threshold value and downside threshold value of each underlying, see &ldquo;Terms of the Securities&rdquo;
above.&nbsp;&nbsp;We have used these hypothetical values, rather than the actual values, to simplify the calculations and aid understanding
of how the securities work.&nbsp;&nbsp;However, you should understand that the actual payments on the securities will be calculated based
on the actual starting value, coupon threshold value and downside threshold value of each underlying, and not the hypothetical values
indicated below.&nbsp;&nbsp;The examples below assume that the contingent coupon rate is set at the lowest value indicated in &ldquo;Terms
of the Securities&rdquo; above.&nbsp;&nbsp;The actual contingent coupon rate will be determined on the pricing date.</P>

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

<TABLE CELLSPACING="2" CELLPADDING="2" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 20%; border: Black 1pt solid; text-align: center; font-size: 10pt; layout-grid-mode: char"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Underlying</B></FONT></TD>
    <TD STYLE="width: 14%; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center; font-size: 10pt; layout-grid-mode: char"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Hypothetical
    starting value</B></FONT></TD>
    <TD STYLE="width: 34%; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center; font-size: 10pt; layout-grid-mode: char"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Hypothetical
    coupon threshold value</B></FONT></TD>
    <TD STYLE="width: 32%; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center; font-size: 10pt; layout-grid-mode: char"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Hypothetical
    downside threshold value</B></FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; text-align: center; font-size: 10pt; layout-grid-mode: char"><FONT STYLE="font-family: Times New Roman, Times, Serif; background-color: white">Broadcom Inc.</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center; font-size: 10pt; layout-grid-mode: char"><FONT STYLE="font-family: Times New Roman, Times, Serif">$100.00</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-left: 1pt; text-align: center; font-size: 10pt; layout-grid-mode: char"><FONT STYLE="font-family: Times New Roman, Times, Serif">$70.00 (70% of its hypothetical starting value)</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-left: 1pt; text-align: center; font-size: 10pt; layout-grid-mode: char"><FONT STYLE="font-family: Times New Roman, Times, Serif">$70.00 (70% of its hypothetical starting value)</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; text-align: center; font-size: 10pt; layout-grid-mode: char"><FONT STYLE="font-family: Times New Roman, Times, Serif; background-color: white">NVIDIA Corporation</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center; font-size: 10pt; layout-grid-mode: char"><FONT STYLE="font-family: Times New Roman, Times, Serif">$100.00</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-left: 1pt; text-align: center; font-size: 10pt; layout-grid-mode: char"><FONT STYLE="font-family: Times New Roman, Times, Serif">$70.00 (70% of its hypothetical starting value)</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-left: 1pt; text-align: center; font-size: 10pt; layout-grid-mode: char"><FONT STYLE="font-family: Times New Roman, Times, Serif">$70.00 (70% of its hypothetical starting value)</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; text-align: center; font-size: 10pt; layout-grid-mode: char"><FONT STYLE="font-family: Times New Roman, Times, Serif; background-color: white">Alphabet Inc.</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center; font-size: 10pt; layout-grid-mode: char"><FONT STYLE="font-family: Times New Roman, Times, Serif">$100.00</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-left: 1pt; text-align: center; font-size: 10pt; layout-grid-mode: char"><FONT STYLE="font-family: Times New Roman, Times, Serif">$70.00 (70% of its hypothetical starting value)</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-left: 1pt; text-align: center; font-size: 10pt; layout-grid-mode: char"><FONT STYLE="font-family: Times New Roman, Times, Serif">$70.00 (70% of its hypothetical starting value)</FONT></TD></TR>
  </TABLE>

<P STYLE="margin-top: 0; margin-bottom: 0">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top; background-color: #688FCF">
    <TD STYLE="padding: 4pt; font-size: 12pt; text-align: center; width: 100%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 12pt; color: white"><B>Hypothetical
    Contingent Coupon Payments and any Payment upon Automatic Early Redemption Following a Calculation Day that is also a Potential Autocall
    Date</B></FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0in">The hypothetical examples below
illustrate how to determine whether a contingent coupon will be paid (and whether any previously unpaid contingent coupon payments will
be paid) and whether the securities will be automatically redeemed following a hypothetical calculation day that is also a potential autocall
date, assuming that the closing values of the underlyings on the hypothetical calculation day are as indicated below.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0in">&nbsp;</P>

<TABLE CELLSPACING="2" CELLPADDING="2" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR>
    <TD STYLE="vertical-align: top; width: 19%; border: Black 1pt solid; text-align: justify; font-size: 10pt; text-indent: 0in"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="width: 22%; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center; font-size: 10pt; layout-grid-mode: char"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>Hypothetical closing value of Broadcom Inc. on hypothetical calculation day</B></FONT></TD>
    <TD STYLE="width: 17%; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center; font-size: 10pt; layout-grid-mode: char"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>Hypothetical closing value of NVIDIA Corporation on hypothetical calculation day</B></FONT></TD>
    <TD STYLE="width: 16%; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center; font-size: 10pt; layout-grid-mode: char"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>Hypothetical closing value of Alphabet Inc. on hypothetical calculation day</B></FONT></TD>
    <TD STYLE="width: 26%; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center; font-size: 10pt; layout-grid-mode: char"><FONT STYLE="font-family: Times New Roman, Times, Serif; background-color: white"><B>Hypothetical payment per security on related contingent coupon payment date</B></FONT></TD></TR>
  <TR>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; text-align: center; font-size: 10pt; layout-grid-mode: char"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Example
    1 &ndash; Hypothetical Calculation Day #1:</B></FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid">
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 1pt; text-align: center"><FONT STYLE="background-color: white">$120.00</FONT></P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 1pt; text-align: center"><FONT STYLE="background-color: white">(performance
factor =<BR>
$120.00 / $100.00 = 1.20)</FONT></P></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid">
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 1pt; text-align: center"><FONT STYLE="background-color: white">$75.00</FONT></P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 1pt; text-align: center"><FONT STYLE="background-color: white">(performance
factor =<BR>
$75.00 / $100.00 = 0.75)</FONT></P></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid">
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 1pt; text-align: center"><FONT STYLE="background-color: white">$105.00</FONT></P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0.7pt; text-align: center"><FONT STYLE="background-color: white">(performance
factor =<BR>
$105.00 / $100.00 = 1.05)</FONT></P></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-left: 1pt; text-align: center; font-size: 10pt; layout-grid-mode: char"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>$17.96<BR>
</B>(contingent coupon is paid; securities not redeemed)</FONT></TD></TR>
  <TR>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; text-align: center; font-size: 10pt; layout-grid-mode: char"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Example
    2 &ndash; Hypothetical Calculation Day #2:</B></FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid">
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 1pt; text-align: center"><FONT STYLE="background-color: white">$110.00</FONT></P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 1pt; text-align: center"><FONT STYLE="background-color: white">(performance
factor =<BR>
$110.00 / $100.00 = 1.10)</FONT></P></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid">
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 1pt; text-align: center"><FONT STYLE="background-color: white">$90.00</FONT></P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 1pt; text-align: center"><FONT STYLE="background-color: white">(performance
factor =<BR>
$90.00 / $100.00 = 0.90)</FONT></P></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid">
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 1pt; text-align: center"><FONT STYLE="background-color: white">$45.00</FONT></P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0.7pt; text-align: center"><FONT STYLE="background-color: white">(performance
factor =<BR>
$45.00 / $100.00 = 0.45)</FONT></P></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-left: 1pt; text-align: center; font-size: 10pt; layout-grid-mode: char"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>$0.00<BR>
</B>(no contingent coupon; securities not redeemed)</FONT></TD></TR>
  <TR>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; text-align: center; font-size: 10pt; layout-grid-mode: char"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Example
    3 &ndash; Hypothetical Calculation Day #3:</B></FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid">
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 1pt; text-align: center"><FONT STYLE="background-color: white">$105.00</FONT></P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 1pt; text-align: center"><FONT STYLE="background-color: white">(performance
factor =<BR>
$105.00 / $100.00 = 1.05)</FONT></P></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid">
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 1pt; text-align: center"><FONT STYLE="background-color: white">$110.00</FONT></P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 1pt; text-align: center"><FONT STYLE="background-color: white">(performance
factor =<BR>
$110.00 / $100.00 = 1.10)</FONT></P></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid">
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 1pt; text-align: center"><FONT STYLE="background-color: white">$115.00</FONT></P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0.7pt; text-align: center"><FONT STYLE="background-color: white">(performance
factor =<BR>
$115.00 / $100.00 = 1.15)</FONT></P></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-left: 1pt; text-align: center; font-size: 10pt; layout-grid-mode: char"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>$1,035.92</B><BR>
(contingent coupon and the previously unpaid contingent coupon are paid; securities redeemed)</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0in"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0in"><B>Example 1: </B>On hypothetical
calculation day #1, NVIDIA Corporation has the lowest performance factor and, therefore, is the lowest performing underlying.&nbsp;&nbsp;In
this scenario, the closing value of the lowest performing underlying on the hypothetical calculation day is greater than its coupon threshold
value but less than its starting value.&nbsp;&nbsp;As a result, investors in the securities would receive the contingent coupon payment
of $17.96 per security on the related contingent coupon payment date and the securities would not be automatically redeemed.&nbsp;&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0in"><B>Example 2: </B>On hypothetical
calculation day #2, Alphabet Inc. has the lowest performance factor and, therefore, is the lowest performing underlying.&nbsp;&nbsp;In
this scenario, the closing value of the lowest performing underlying on the hypothetical calculation day is less than its</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0in">&nbsp;</P>


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    <DIV STYLE="margin-bottom: 6pt; border-bottom: Black 1pt solid"><P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center; margin-top: 0pt; margin-bottom: 0pt">PS-<!-- Field: Sequence; Type: Arabic; Name: PageNo -->17<!-- Field: /Sequence --></P></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt"><TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse"><TR><TD STYLE="vertical-align: top; width: 86%"> <P STYLE="font: 14pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #BB0826"><B>Market Linked Securities&mdash;Auto-Callable with Contingent Coupon with Memory Feature and Contingent Downside</B></P><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #BB0826"><B>Principal at Risk Securities Linked to the Lowest Performing of Broadcom Inc., NVIDIA Corporation and Alphabet Inc. due November 30, 2028</B></P></TD><TD STYLE="width: 14%; font-size: 12pt; text-align: center"><FONT STYLE="font-family: Sans-Serif; font-size: 9pt; color: Red"><B><IMG SRC="image_003.jpg" ALT=""></B></FONT></TD></TR></TABLE><P STYLE="font-size: 10pt; margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0in">coupon threshold value.&nbsp;&nbsp;As
a result, investors would not receive any payment on the related contingent coupon payment date, even though each other underlying has
appreciated from its starting value, and the securities would not be automatically redeemed.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0in"><B>Investors in the securities
will not receive a contingent coupon on the contingent coupon payment date following a calculation day if, on that calculation day, the
closing value of the lowest performing underlying is less than its coupon threshold value.&nbsp;&nbsp;Whether a contingent coupon is paid
following a calculation day depends solely on the closing value of the lowest performing underlying.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0in"><B>Example 3: </B>On hypothetical
calculation day #3, Broadcom Inc. has the lowest performance factor and, therefore, is the lowest performing underlying.&nbsp;&nbsp;In
this scenario, the closing value of the lowest performing underlying on the hypothetical calculation day is greater than both its coupon
threshold value and its starting value.&nbsp;&nbsp;As a result, the securities would be automatically redeemed on the related contingent
coupon payment date for an amount in cash equal to $1,000 <I>plus</I> the related contingent coupon payment and any previously unpaid
contingent coupon payments. Because no contingent coupon payment was received in connection with hypothetical calculation day #2, investors
in the securities would also receive the previously unpaid contingent coupon payment on the related contingent coupon payment date, for
a total of $1,035.92 per security.&nbsp;&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0in">If the calculation day were
not also a potential autocall date, the securities would not be automatically redeemed on the related contingent coupon payment date.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0in">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top; background-color: #688FCF">
    <TD STYLE="padding: 4pt; font-size: 12pt; text-align: center; width: 100%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 12pt; color: white"><B>Hypothetical
    Payments at Maturity</B></FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">The next hypothetical examples illustrate the
calculation of the maturity payment amount on the securities, assuming that the securities have not been earlier automatically redeemed
and that the closing values of the underlyings on the final calculation day are as indicated below.</P>

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

<TABLE CELLSPACING="2" CELLPADDING="2" ALIGN="CENTER" STYLE="font: 10pt Times New Roman, Times, Serif; width: 90%; border-collapse: collapse">
  <TR>
    <TD STYLE="vertical-align: top; width: 25%; border: Black 1pt solid; text-align: justify; font-size: 10pt; text-indent: 0in"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="width: 19%; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center; font-size: 10pt; layout-grid-mode: char"><FONT STYLE="font-family: Times New Roman, Times, Serif; background-color: white"><B>Hypothetical closing value of Broadcom Inc. on final calculation day</B></FONT></TD>
    <TD STYLE="width: 18%; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center; font-size: 10pt; layout-grid-mode: char"><FONT STYLE="font-family: Times New Roman, Times, Serif; background-color: white"><B>Hypothetical closing value of NVIDIA Corporation on final calculation day</B></FONT></TD>
    <TD STYLE="width: 18%; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center; font-size: 10pt; layout-grid-mode: char"><FONT STYLE="font-family: Times New Roman, Times, Serif; background-color: white"><B>Hypothetical closing value of Alphabet Inc. on final calculation day</B></FONT></TD>
    <TD STYLE="width: 20%; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center; font-size: 10pt; layout-grid-mode: char"><FONT STYLE="font-family: Times New Roman, Times, Serif; background-color: white"><B>Hypothetical maturity payment amount per security</B></FONT></TD></TR>
  <TR>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; text-align: center; font-size: 10pt; layout-grid-mode: char"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Example
    4</B></FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid">
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="background-color: white">$120.00</FONT></P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="background-color: white">(performance
factor =<BR>
$120.00 / $100.00 = 1.20)</FONT></P></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid">
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="background-color: white">$130.00</FONT></P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="background-color: white">(performance
factor =<BR>
$130.00 / $100.00 = 1.30)</FONT></P></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid">
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="background-color: white">$105.00</FONT></P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="background-color: white">(performance
factor =<BR>
$105.00 / $100.00 = 1.05)</FONT></P></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center; font-size: 10pt; layout-grid-mode: char"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>$1,017.96 </B><I>plus</I> any previously unpaid contingent coupon payments</FONT></TD></TR>
  <TR>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; text-align: center; font-size: 10pt; layout-grid-mode: char"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Example
    5</B></FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid">
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="background-color: white">$50.00</FONT></P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="background-color: white">(performance
factor =<BR>
$50.00 / $100.00 = 0.50)</FONT></P></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid">
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="background-color: white">$80.00</FONT></P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="background-color: white">(performance
factor =<BR>
$80.00 / $100.00 = 0.80)</FONT></P></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid">
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="background-color: white">$110.00</FONT></P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="background-color: white">(performance
factor =<BR>
$110.00 / $100.00 = 1.10)</FONT></P></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center; font-size: 10pt; layout-grid-mode: char"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>$500.00</B></FONT></TD></TR>
  <TR>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; text-align: center; font-size: 10pt; layout-grid-mode: char"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Example
    6</B></FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid">
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="background-color: white">$70.00</FONT></P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="background-color: white">(performance
factor =<BR>
$70.00 / $100.00 = 0.70)</FONT></P></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid">
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="background-color: white">$0.00</FONT></P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="background-color: white">(performance
factor =<BR>
$0.00 / $100.00 = 0.00)</FONT></P></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid">
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="background-color: white">$50.00</FONT></P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="background-color: white">(performance
factor =<BR>
$50.00 / $100.00 = 0.50)</FONT></P></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center; font-size: 10pt; layout-grid-mode: char"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>$0.00</B></FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0in"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0in"><B>Example 4: </B>On the final
calculation day, Alphabet Inc. has the lowest performance factor and, therefore, is the lowest performing underlying.&nbsp;&nbsp;In this
scenario, the closing value of the lowest performing underlying on the final calculation day is greater than its downside threshold value
and its coupon threshold value.&nbsp;&nbsp;Accordingly, at maturity, you would receive the stated principal amount of the securities <I>plus</I>
the contingent coupon payment due at maturity, for a total of $1,017.96 per security (<I>plus</I> any previously unpaid contingent coupon
payments), but you would not participate in the appreciation of any of the underlyings.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0in"><B>Example 5: </B>On the final
calculation day, Broadcom Inc. has the lowest performance factor and, therefore, is the lowest performing underlying.&nbsp;&nbsp;In this
scenario, the closing value of the lowest performing underlying on the final calculation day is less than its downside threshold value.&nbsp;&nbsp;Accordingly,
at maturity, you would receive a payment per security calculated as follows:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="background-color: white">Maturity
payment amount = $1,000 &times; the performance factor of the lowest performing underlying on the final calculation day</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="background-color: white">= $1,000
&times; 0.50</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="background-color: white">= $500</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0in">In this scenario, you would
receive significantly less than the stated principal amount of your securities at maturity.&nbsp;&nbsp;You would incur a loss based on
the performance of the lowest performing underlying.&nbsp;&nbsp;In addition, because the closing value of the lowest performing underlying
on the final calculation day is below its coupon threshold value, you would not receive any contingent coupon payment at maturity (including
any previously unpaid contingent coupon payments).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0in">&nbsp;</P>


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    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0in"><B>Example 6: </B>On the final
calculation day, NVIDIA Corporation has the lowest performance factor and, therefore, is the lowest performing underlying.&nbsp;&nbsp;In
this scenario, the closing value of the lowest performing underlying on the final calculation day is less than its downside threshold
value.&nbsp;&nbsp;Accordingly, at maturity, you would receive a payment per security calculated as follows:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="background-color: white">Maturity
payment amount = $1,000 &times; the performance factor of the lowest performing underlying on the final calculation day</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="background-color: white">= $1,000
&times; 0.00</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="background-color: white">= $0</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0in">In this scenario, because the
closing value of the lowest performing underlying on the final calculation day is less than its downside threshold value, you would lose
your entire investment in the securities. In addition, because the closing value of the lowest performing underlying is below its coupon
threshold value, you would not receive any contingent coupon payment at maturity (including any previously unpaid contingent coupon payments).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0in"><B>It is possible that the closing
value of the lowest performing underlying will be less than its coupon threshold value on each calculation day and less than its downside
threshold value on the final calculation day, such that you will not receive any contingent coupon payments over the term of the securities
(including any previously unpaid contingent coupon payments) and will receive significantly less than the stated principal amount of your
securities at maturity.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0in">&nbsp;</P>


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    <!-- Field: /Page -->

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; background-color: #5E8AB4; border-collapse: collapse">
  <TR STYLE="vertical-align: top; background-color: #688FCF">
    <TD STYLE="padding: 4pt; font-size: 12pt; text-align: center; width: 100%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 12pt; color: white"><B>Broadcom
Inc.</B></FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="background-color: white">Broadcom
Inc. designs, develops and supplies a broad range of semiconductor and infrastructure software solutions. The underlying stock of Broadcom
Inc. is registered under the Securities Exchange Act of 1934, as amended (the &ldquo;Exchange Act&rdquo;). Information provided to or
filed with the SEC by Broadcom Inc. pursuant to the Exchange Act can be located by reference to the SEC file number 001-38449 through
the SEC&rsquo;s website at http://www.sec.gov. In addition, information regarding Broadcom Inc. may be obtained from other sources including,
but not limited to, press releases, newspaper articles and other publicly disseminated documents. The underlying stock of Broadcom Inc.
trades on the Nasdaq Global Select Market under the ticker symbol &ldquo;AVGO.&rdquo;</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="background-color: white">We have
derived all information regarding Broadcom Inc. from publicly available information and have not independently verified any information
regarding Broadcom Inc. This pricing supplement relates only to the securities and not to Broadcom Inc. We make no representation as to
the performance of Broadcom Inc. over the term of the securities.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="background-color: white">The securities
represent obligations of Citigroup Global Markets Holdings Inc. (guaranteed by Citigroup Inc.) only. Broadcom Inc. is not involved in
any way in this offering and has no obligation relating to the securities or to holders of the securities.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="background-color: white"><B>Historical</B></FONT><B>
Information </B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="background-color: white">The closing
value of Broadcom Inc. on November 10, 2025 was $358.39.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="background-color: white">The graph
below shows the closing value of Broadcom Inc. for each day such value was available from January 2, 2020 to November 10, 2025. We obtained
the closing values from Bloomberg L.P., without independent verification. If certain corporate transactions occurred during the historical
period shown below, including, but not limited to, spin-offs or mergers, then the closing values shown below for the period prior to the
occurrence of any such transaction have been adjusted by Bloomberg L.P. as if any such transaction had occurred prior to the first day
in the period shown below. You should not take historical closing values as an indication of future performance.</FONT></P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><IMG SRC="image_002.gif" ALT="" STYLE="height: 400px; width: 720px"></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>


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    <!-- Field: /Page -->

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; background-color: #5E8AB4; border-collapse: collapse">
  <TR STYLE="vertical-align: top; background-color: #688FCF">
    <TD STYLE="padding: 4pt; font-size: 12pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 12pt; color: white"><B>NVIDIA
    Corporation</B></FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="background-color: white">NVIDIA Corporation
is a full-stack computing infrastructure company with data-center-scale offerings whose full-stack includes the CUDA programming model
that runs on all of its graphics processing units (GPUs), as well as domain-specific software libraries, software development kits and
Application Programming Interfaces and whose data-center-scale offerings include compute and networking solutions that can scale to tens
of thousands of GPU-accelerated servers interconnected to function as a single giant computer. The underlying stock of NVIDIA Corporation
is registered under the Securities Exchange Act of 1934, as amended (the &ldquo;Exchange Act&rdquo;). Information provided to or filed
with the SEC by NVIDIA Corporation pursuant to the Exchange Act can be located by reference to the SEC file number 000-23985 through the
SEC&rsquo;s website at http://www.sec.gov. In addition, information regarding NVIDIA Corporation may be obtained from other sources including,
but not limited to, press releases, newspaper articles and other publicly disseminated documents. The underlying stock of NVIDIA Corporation
trades on the Nasdaq Global Select Market under the ticker symbol &ldquo;NVDA.&rdquo;</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="background-color: white">We have
derived all information regarding NVIDIA Corporation from publicly available information and have not independently verified any information
regarding NVIDIA Corporation. This pricing supplement relates only to the securities and not to NVIDIA Corporation. We make no representation
as to the performance of NVIDIA Corporation over the term of the securities.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="background-color: white">The securities
represent obligations of Citigroup Global Markets Holdings Inc. (guaranteed by Citigroup Inc.) only. NVIDIA Corporation is not involved
in any way in this offering and has no obligation relating to the securities or to holders of the securities.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="background-color: white"><B>Historical
Information</B></FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="background-color: white">The closing
value of NVIDIA Corporation on November 10, 2025 was $199.05.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="background-color: white">The graph
below shows the closing value of NVIDIA Corporation for each day such value was available from January 2, 2020 to November 10, 2025. We
obtained the closing values from Bloomberg L.P., without independent verification. If certain corporate transactions occurred during the
historical period shown below, including, but not limited to, spin-offs or mergers, then the closing values shown below for the period
prior to the occurrence of any such transaction have been adjusted by Bloomberg L.P. as if any such transaction had occurred prior to
the first day in the period shown below. You should not take historical closing values as an indication of future performance.</FONT></P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><IMG SRC="image_003.gif" ALT="" STYLE="height: 399px; width: 720px"></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>


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<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; background-color: #5E8AB4; border-collapse: collapse">
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    <TD STYLE="padding: 4pt; font-size: 12pt; text-align: center; width: 100%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 12pt; color: white"><B>Alphabet
Inc.</B></FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="background-color: white">Alphabet
Inc. operates as a holding company. The company, through its subsidiaries, provides web-based search, advertisements, maps, software applications,
mobile operating systems, consumer content, enterprise solutions, commerce and hardware products. The underlying stock of Alphabet Inc.
is registered under the Securities Exchange Act of 1934, as amended (the &ldquo;Exchange Act&rdquo;). Information provided to or filed
with the SEC by Alphabet Inc. pursuant to the Exchange Act can be located by reference to the SEC file number 001-37580 through the SEC&rsquo;s
website at http://www.sec.gov. In addition, information regarding Alphabet Inc. may be obtained from other sources including, but not
limited to, press releases, newspaper articles and other publicly disseminated documents. The underlying stock of Alphabet Inc. trades
on the Nasdaq Global Select Market under the ticker symbol &ldquo;GOOGL.&rdquo;</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="background-color: white">We have
derived all information regarding Alphabet Inc. from publicly available information and have not independently verified any information
regarding Alphabet Inc. This pricing supplement relates only to the securities and not to Alphabet Inc. We make no representation as to
the performance of Alphabet Inc. over the term of the securities.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="background-color: white">The securities
represent obligations of Citigroup Global Markets Holdings Inc. (guaranteed by Citigroup Inc.) only. Alphabet Inc. is not involved in
any way in this offering and has no obligation relating to the securities or to holders of the securities.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>Historical <FONT STYLE="background-color: white">Information</FONT></B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="background-color: white">The closing
value of Alphabet Inc. on November 10, 2025 was $290.10.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="background-color: white">The graph
below shows the closing value of Alphabet Inc. for each day such value was available from January 2, 2020 to November 10, 2025. We obtained
the closing values from Bloomberg L.P., without independent verification. If certain corporate transactions occurred during the historical
period shown below, including, but not limited to, spin-offs or mergers, then the closing values shown below for the period prior to the
occurrence of any such transaction have been adjusted by Bloomberg L.P. as if any such transaction had occurred prior to the first day
in the period shown below. You should not take historical closing values as an indication of future performance.</FONT></P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><IMG SRC="image_004.gif" ALT="" STYLE="height: 399px; width: 720px"></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>


<!-- Field: Page; Sequence: 22; Value: 2 -->
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    <DIV STYLE="break-before: page; margin-top: 6pt"><TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse"><TR><TD STYLE="vertical-align: top; width: 86%"> <P STYLE="font: 14pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #BB0826"><B>Market Linked Securities&mdash;Auto-Callable with Contingent Coupon with Memory Feature and Contingent Downside</B></P><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #BB0826"><B>Principal at Risk Securities Linked to the Lowest Performing of Broadcom Inc., NVIDIA Corporation and Alphabet Inc. due November 30, 2028</B></P></TD><TD STYLE="width: 14%; font-size: 12pt; text-align: center"><FONT STYLE="font-family: Sans-Serif; font-size: 9pt; color: Red"><B><IMG SRC="image_003.jpg" ALT=""></B></FONT></TD></TR></TABLE><P STYLE="font-size: 10pt; margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top; background-color: #688FCF">
    <TD STYLE="padding: 4pt; font-size: 12pt; text-align: center; width: 100%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 12pt; color: white"><B>United
    States Federal Tax Considerations</B></FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">You should read carefully the discussion under
&ldquo;United States Federal Tax Considerations&rdquo; and &ldquo;General Risk Factors Relating to All Securities&rdquo; in the accompanying
product supplement and &ldquo;Summary Risk Factors&rdquo; in this pricing supplement.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Due to the lack of any controlling legal authority,
there is substantial uncertainty regarding the U.S. federal tax consequences of an investment in the securities.&nbsp;&nbsp;In connection
with any information reporting requirements we may have in respect of the securities under applicable law, we intend (in the absence of
an administrative determination or judicial ruling to the contrary) to treat the securities for U.S. federal income tax purposes as prepaid
forward contracts with associated coupon payments that will be treated as gross income to you at the time received or accrued in accordance
with your regular method of tax accounting.&nbsp;&nbsp;In the opinion of our counsel, Davis Polk &amp; Wardwell LLP, this treatment of
the securities is reasonable under current law; however, our counsel has advised us that it is unable to conclude affirmatively that this
treatment is more likely than not to be upheld, and that alternative treatments are possible.&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 Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">Any coupon payments on the securities should be taxable as ordinary income to you at the time received
or accrued in accordance with your regular method of accounting for U.S. federal income tax purposes.</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">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;For this purpose, the
amount realized does not include any coupon paid on retirement and may not include sale proceeds attributable to an accrued coupon, which
may be treated as a coupon payment.&nbsp;&nbsp;Such gain or loss should be long-term capital gain or loss if you held the security for
more than one year.&nbsp;&nbsp;</TD></TR></TABLE>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="background-color: white">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. </FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>Withholding Tax on Non-U.S. Holders. </B>Because
significant aspects of the tax treatment of the securities are uncertain, persons having withholding responsibility in respect of the
securities may withhold on any coupon payment paid to Non-U.S. Holders (as defined in the accompanying product supplement), generally
at a rate of 30%. To the extent that we have (or an affiliate of ours has) withholding responsibility in respect of the securities, we
intend to so withhold.&nbsp;&nbsp;In order to claim an exemption from, or a reduction in, the 30% withholding, you may need to comply
with certification requirements to establish that you are not a U.S. person and are eligible for such an exemption or reduction under
an applicable tax treaty. You should consult your tax adviser regarding the tax treatment of the securities, including the possibility
of obtaining a refund of any amounts withheld and the certification requirement described above.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="background-color: white">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.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="background-color: white">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.</FONT></P>

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


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    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">We will not be required to pay any additional
amounts with respect to amounts withheld.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><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.</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><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.&nbsp;&nbsp;&nbsp;&nbsp;</B></P>

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
  <TR STYLE="vertical-align: top; background-color: #688FCF">
    <TD STYLE="padding: 4pt; font-size: 12pt; text-align: center; width: 100%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 12pt; color: white"><B>Supplemental
    Plan of Distribution</B></FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Pursuant to the terms of the Amended and Restated
Global Selling Agency Agreement, dated April 7, 2017, CGMI, acting as principal, will purchase the securities from Citigroup Global Markets
Holdings Inc. CGMI, as the lead agent for the offering, expects to sell the securities to Wells Fargo, as agent.&nbsp;&nbsp;Wells Fargo
will receive an underwriting discount and commission of up to 2.325% ($23.25) for each security it sells.&nbsp;&nbsp;Wells Fargo may pay
selected dealers, which may include WFA, a fixed selling commission of 1.75% ($17.50) for each security they sell.&nbsp;&nbsp;In addition
to the selling commission allowed to WFA, Wells Fargo may pay $0.75 per security of the underwriting discount and commission to WFA as
a distribution expense fee for each security sold by WFA.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">In addition, in respect of certain securities
sold in this offering, CGMI may pay a fee of up to $3.00 per security to selected securities dealers in consideration for marketing and
other services in connection with the distribution of the securities to other securities dealers.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">For the avoidance of doubt, the fees and selling
concessions described in this pricing supplement will not be rebated if the securities are automatically redeemed prior to maturity.</P>

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
  <TR STYLE="vertical-align: top; background-color: #688FCF">
    <TD STYLE="padding: 4pt; width: 100%; font-size: 12pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; color: white"><B>Valuation
    of the Securities</B></FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">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;bond component&rdquo;) and one or more derivative instruments
underlying the economic terms of the securities (the &ldquo;derivative component&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 Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">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.&nbsp;&nbsp;As of the date of this pricing supplement,
it is uncertain what the estimated value of the securities will be on the pricing date because certain terms of the securities have not
yet been fixed and because it is uncertain what the values of the inputs to CGMI&rsquo;s proprietary pricing models will be on the pricing
date.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">We have been advised that, for a period of approximately
three months following issuance of the securities, the price, if any, at which Wells Fargo would be willing to buy the securities from
investors, and the value that will be indicated for the securities on any brokerage account statements prepared by Wells Fargo or its
affiliates, will reflect a temporary upward adjustment from the price or value that would otherwise be determined.&nbsp;&nbsp;This temporary
upward adjustment represents a portion of the costs associated with selling, structuring and hedging the securities that are included
in the public offering price of the securities.&nbsp;&nbsp;The amount of this temporary upward adjustment will decline to zero on a straight-line
basis over the three-month temporary adjustment period.&nbsp;&nbsp;However, Wells Fargo is not obligated to buy the securities from investors
at any time.&nbsp;&nbsp;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 Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

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

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


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