<SEC-DOCUMENT>0001193125-25-248179.txt : 20251023
<SEC-HEADER>0001193125-25-248179.hdr.sgml : 20251023
<ACCEPTANCE-DATETIME>20251023113737
ACCESSION NUMBER:		0001193125-25-248179
CONFORMED SUBMISSION TYPE:	424B2
PUBLIC DOCUMENT COUNT:		4
FILED AS OF DATE:		20251023
DATE AS OF CHANGE:		20251023

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			GOLDMAN SACHS GROUP INC
		CENTRAL INDEX KEY:			0000886982
		STANDARD INDUSTRIAL CLASSIFICATION:	SECURITY BROKERS, DEALERS & FLOTATION COMPANIES [6211]
		ORGANIZATION NAME:           	02 Finance
		EIN:				134019460
		STATE OF INCORPORATION:			DE
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		424B2
		SEC ACT:		1933 Act
		SEC FILE NUMBER:	333-284538
		FILM NUMBER:		251412043

	BUSINESS ADDRESS:	
		STREET 1:		200 WEST STREET
		CITY:			NEW YORK
		STATE:			NY
		ZIP:			10282
		BUSINESS PHONE:		212-902-1000

	MAIL ADDRESS:	
		STREET 1:		200 WEST STREET
		CITY:			NEW YORK
		STATE:			NY
		ZIP:			10282

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	GOLDMAN SACHS GROUP INC/
		DATE OF NAME CHANGE:	20010104

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			GS Finance Corp.
		CENTRAL INDEX KEY:			0001419828
		STANDARD INDUSTRIAL CLASSIFICATION:	SECURITY BROKERS, DEALERS & FLOTATION COMPANIES [6211]
		ORGANIZATION NAME:           	02 Finance
		EIN:				260785112
		STATE OF INCORPORATION:			DE
		FISCAL YEAR END:			1130

	FILING VALUES:
		FORM TYPE:		424B2
		SEC ACT:		1933 Act
		SEC FILE NUMBER:	333-284538-03
		FILM NUMBER:		251412044

	BUSINESS ADDRESS:	
		STREET 1:		C/O THE GOLDMAN SACHS GROUP, INC.
		STREET 2:		200 WEST STREET
		CITY:			NEW YORK
		STATE:			NY
		ZIP:			10282
		BUSINESS PHONE:		212-902-1000

	MAIL ADDRESS:	
		STREET 1:		C/O THE GOLDMAN SACHS GROUP, INC.
		STREET 2:		200 WEST STREET
		CITY:			NEW YORK
		STATE:			NY
		ZIP:			10282
</SEC-HEADER>
<DOCUMENT>
<TYPE>424B2
<SEQUENCE>1
<FILENAME>spxc0468_prelim.htm
<DESCRIPTION>424B2
<TEXT>
<!-- DFIN ActiveDisclosure (SM) HTML Document - http://www.dfinsolutions.com/ --><!-- Creation Date :2025-10-23T11:20:18.5253+00:00 --><!-- Copyright (c) 2025 Donnelley Financial Solutions, Inc. All Rights Reserved. -->
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  <div style="padding-top:0.5in;z-index:2;min-height:0.25in;position:relative;box-sizing:border-box;"><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;margin-left:0;margin-right:0;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;">Filed Pursuant to Rule 424(b)(2)</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;margin-left:0;margin-right:0;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;">Registration Statement No. 333-284538</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;margin-left:0;margin-right:0;"><font style="color:#ff0000;white-space:pre-wrap;font-weight:bold;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;">The information in this preliminary pricing supplement is not complete and may be changed. This preliminary pricing supplement is not an offer to sell nor does it seek an offer to buy these securities in any jurisdiction where the offer or sale is not permitted.</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;margin-left:0;margin-right:0;"><font style="white-space:pre-wrap;font-size:2pt;font-family:Arial;font-kerning:none;min-width:fit-content;">&#160;</font></p></div>
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     <td style="padding-top:0in;padding-left:0.007in;vertical-align:top;padding-bottom:0in;padding-right:0.007in;"><p style="font-size:10pt;margin-top:6pt;font-family:Times New Roman;margin-bottom:0;text-align:left;"><img src="img104427678_0.jpg" alt="img104427678_0.jpg" style="width:86px;height:86px;"></p></td>
     <td style="padding-top:0in;padding-left:0.007in;vertical-align:top;padding-bottom:0in;padding-right:0.007in;text-align:left;"><p style="font-size:10pt;margin-top:6pt;font-family:Times New Roman;margin-bottom:0;text-align:center;"><font style="color:#ff0000;white-space:pre-wrap;font-family:Arial;font-kerning:none;min-width:fit-content;">Subject to Completion. Dated October 23, 2025.</font></p><p style="font-size:16pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:center;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:Arial;font-kerning:none;min-width:fit-content;">GS Finance Corp.</font></p><p style="font-size:12pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:center;"><font style="color:#000000;white-space:pre-wrap;font-family:Arial;font-kerning:none;min-width:fit-content;">$</font></p><p style="font-size:12pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:center;"><font style="color:#000000;white-space:pre-wrap;font-family:Arial;font-kerning:none;min-width:fit-content;">Autocallable S&amp;P 500</font><font style="color:#000000;top:-5.628pt;white-space:pre-wrap;font-size:8.040000000000001pt;font-family:Arial;position:relative;font-kerning:none;min-width:fit-content;">&#174;</font><font style="color:#000000;white-space:pre-wrap;font-family:Arial;font-kerning:none;min-width:fit-content;">&#160;Index-Linked Notes due</font></p><p style="font-size:12pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:center;"><font style="color:#000000;white-space:pre-wrap;font-family:Arial;font-kerning:none;min-width:fit-content;">guaranteed by</font></p><p style="font-size:16pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:center;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:Arial;font-kerning:none;min-width:fit-content;">The Goldman Sachs Group, Inc.</font></p></td>
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   </table><p style="font-size:10pt;margin-top:6pt;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;">The notes do not bear interest.  </font><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;">The notes will mature on the stated maturity date (expected to be October 27, 2028) unless they are automatically called on the call observation date (expected to be November 2, 2026). Your notes will be automatically called on the call observation date if the closing level of the S&amp;P 500</font><font style="color:#000000;white-space:pre-wrap;vertical-align:super;font-size:6.7pt;font-family:Arial;font-kerning:none;min-width:fit-content;">&#174;</font><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;"> Index on such date is </font><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-style:italic;font-kerning:none;min-width:fit-content;">greater than</font><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;"> or </font><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-style:italic;font-kerning:none;min-width:fit-content;">equal to</font><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;"> the initial index level of 6,699.40 (which is the closing level of the index on October 22, 2025 and may be higher or lower than the closing level of the index on the trade date (expected to be October 24, 2025)), resulting in a payment on the call payment date (expected to be November 5, 2026) for each $1,000 face amount of your notes equal to $1,080.</font><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;"> </font></p><p style="font-size:10pt;margin-top:6pt;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;">If your notes are </font><font style="color:#000000;white-space:pre-wrap;text-decoration:underline solid;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;">not</font><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;"> automatically called, the amount that you will be paid on your notes on the stated maturity date will be based on the performance of the index as measured from October 22, 2025 (the date the initial index level was set) to and including the determination date (expected to be October 24, 2028).</font><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;">  </font></p><p style="font-size:10pt;margin-top:6pt;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;">If the final index level on the determination date is </font><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-style:italic;font-kerning:none;min-width:fit-content;">greater than</font><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;"> or </font><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-style:italic;font-kerning:none;min-width:fit-content;">equal to </font><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;">the initial index level, the return on your notes will be positive and you will receive the </font><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-style:italic;font-kerning:none;min-width:fit-content;">greater</font><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;"> of (i) the threshold settlement amount of $1,300 for each $1,000 face amount of your notes and (ii) the </font><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-style:italic;font-kerning:none;min-width:fit-content;">sum </font><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;">of (a) the $1,000 face amount </font><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-style:italic;font-kerning:none;min-width:fit-content;">plus</font><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;"> (a) the </font><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-style:italic;font-kerning:none;min-width:fit-content;">product</font><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;"> of (1) $1,000 </font><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-style:italic;font-kerning:none;min-width:fit-content;">times </font><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;">(2) the index return. If the final index level declines by up to 10% from the initial index level, you will receive the face amount of your notes.</font><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;"> </font></p><p style="font-size:10pt;margin-top:6pt;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;">If the final index level declines by more than 10% from the initial index level, the return on your notes will be negative. You could lose your entire investment in the notes.</font></p><p style="font-size:10pt;margin-top:6pt;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;">If your notes are </font><font style="color:#000000;white-space:pre-wrap;text-decoration:underline solid;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;">not</font><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;"> automatically called on the call observation date, we will determine your payment at maturity by calculating the index return, which is the percentage increase or decrease in the final index level from the initial index level. At maturity, for each $1,000 face amount of your notes, you will receive an amount in cash equal to:</font></p><div class="item-list-element-wrapper" style="display:flex;margin-top:6pt;justify-content:flex-start;align-items:baseline;margin-bottom:0;min-width:3.333%;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Times New Roman;font-kerning:none;min-width:3.333%;word-break:keep-all;display:inline-flex;justify-content:flex-start;">&#x25cf;</font><div style="display:inline;"><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;">if the index return is </font><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-style:italic;font-kerning:none;min-width:fit-content;">positive </font><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;">or </font><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-style:italic;font-kerning:none;min-width:fit-content;">zero</font><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;"> (the final index level is </font><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-style:italic;font-kerning:none;min-width:fit-content;">greater than</font><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;"> or </font><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-style:italic;font-kerning:none;min-width:fit-content;">equal to </font><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;">the initial index level), the </font><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-style:italic;font-kerning:none;min-width:fit-content;">greater of </font><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;">(i) the threshold settlement amount and (ii) the </font><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-style:italic;font-kerning:none;min-width:fit-content;">sum </font><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;">of (a) $1,000 </font><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-style:italic;font-kerning:none;min-width:fit-content;">plus </font><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;">(b) the </font><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-style:italic;font-kerning:none;min-width:fit-content;">product of </font><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;">(1) $1,000 </font><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-style:italic;font-kerning:none;min-width:fit-content;">times </font><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;">(2) the index return;</font></div></div><div class="item-list-element-wrapper" style="display:flex;margin-top:6pt;justify-content:flex-start;align-items:baseline;margin-bottom:0;min-width:3.333%;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Times New Roman;font-kerning:none;min-width:3.333%;word-break:keep-all;display:inline-flex;justify-content:flex-start;">&#x25cf;</font><div style="display:inline;"><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;">if the index return is </font><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-style:italic;font-kerning:none;min-width:fit-content;">negative</font><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;"> but not below -10% (the final index level is </font><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-style:italic;font-kerning:none;min-width:fit-content;">less than</font><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;"> the initial index level, but not by more than 10%), $1,000; or</font></div></div><div class="item-list-element-wrapper" style="display:flex;margin-top:6pt;justify-content:flex-start;align-items:baseline;margin-bottom:0;min-width:3.333%;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Times New Roman;font-kerning:none;min-width:3.333%;word-break:keep-all;display:inline-flex;justify-content:flex-start;">&#x25cf;</font><div style="display:inline;"><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;">if the index return is </font><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-style:italic;font-kerning:none;min-width:fit-content;">negative </font><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;">and is </font><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-style:italic;font-kerning:none;min-width:fit-content;">below</font><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;"> -10%</font><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-style:italic;font-kerning:none;min-width:fit-content;"> </font><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;">(the final index level is </font><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-style:italic;font-kerning:none;min-width:fit-content;">less than</font><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;"> the initial index level by more than 10%), the </font><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-style:italic;font-kerning:none;min-width:fit-content;">sum</font><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;"> of (i) $1,000 </font><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-style:italic;font-kerning:none;min-width:fit-content;">plus</font><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;"> (ii) the </font><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-style:italic;font-kerning:none;min-width:fit-content;">product</font><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;"> of (a) $1,000 </font><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-style:italic;font-kerning:none;min-width:fit-content;">times</font><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;"> (b) the index return.</font><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;"> You will receive less than 90% of the face amount of your notes.</font></div></div><p style="font-size:10pt;margin-top:6pt;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;">You should read the disclosure herein to better understand the terms and risks of your investment, including the credit risk of GS Finance Corp. and The Goldman Sachs Group, Inc. See page PS-</font><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;">10</font><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;">.</font><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;"> </font></p><p style="font-size:10pt;margin-top:6pt;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-style:italic;font-kerning:none;min-width:fit-content;">The estimated value of your</font><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;"> </font><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-style:italic;font-kerning:none;min-width:fit-content;">notes at the time the terms of your notes are set on the trade date is expected to be between $925 and $955 per $1,000 face amount. For a discussion of the estimated value and the price at which Goldman Sachs &amp; Co. LLC would initially buy or sell your notes, if it makes a market in the notes, see the following page.</font><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-style:italic;font-kerning:none;min-width:fit-content;"> </font></p>
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     <td style="padding-top:0in;padding-left:0.007in;vertical-align:top;padding-bottom:0in;padding-right:0.007in;"><p style="font-size:10pt;margin-top:6pt;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:Arial;font-kerning:none;min-width:fit-content;">Original issue date:</font></p></td>
     <td style="padding-top:0in;padding-left:0.007in;vertical-align:top;padding-bottom:0in;padding-right:0.007in;"><p style="font-size:10pt;margin-top:6pt;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:Arial;font-kerning:none;min-width:fit-content;">expected to be October 29, 2025</font></p></td>
     <td style="padding-top:0in;padding-left:0.007in;vertical-align:top;padding-bottom:0in;padding-right:0.007in;"><p style="font-size:10pt;margin-top:6pt;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:Arial;font-kerning:none;min-width:fit-content;">Original issue price:</font></p></td>
     <td style="padding-top:0in;padding-left:0.007in;vertical-align:top;padding-bottom:0in;padding-right:0.007in;"><p style="font-size:10pt;margin-top:6pt;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:Arial;font-kerning:none;min-width:fit-content;">100% of the face amount</font></p></td>
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     <td style="padding-top:0in;padding-left:0.007in;vertical-align:top;padding-bottom:0in;padding-right:0.007in;"><p style="font-size:10pt;margin-top:6pt;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:Arial;font-kerning:none;min-width:fit-content;">Underwriting discount:</font></p></td>
     <td style="padding-top:0in;padding-left:0.007in;vertical-align:top;padding-bottom:0in;padding-right:0.007in;"><p style="font-size:10pt;margin-top:6pt;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:Arial;font-kerning:none;min-width:fit-content;">&#160;2.25% of the face amount</font></p></td>
     <td style="padding-top:0in;padding-left:0.007in;vertical-align:top;padding-bottom:0in;padding-right:0.007in;"><p style="font-size:10pt;margin-top:6pt;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:Arial;font-kerning:none;min-width:fit-content;">Net proceeds to the issuer:</font></p></td>
     <td style="padding-top:0in;padding-left:0.007in;vertical-align:top;padding-bottom:0in;padding-right:0.007in;"><p style="font-size:10pt;margin-top:6pt;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:Arial;font-kerning:none;min-width:fit-content;">&#160;97.75% of the face amount</font></p></td>
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   </table><p style="font-size:10pt;margin-top:6pt;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;">Neither the Securities and Exchange Commission nor any other regulatory body has approved or disapproved of these securities or passed upon the accuracy or adequacy of this prospectus.  Any representation to the contrary is a criminal offense. The notes are not bank deposits and are not insured by the Federal Deposit Insurance Corporation or any other governmental agency, nor are they obligations of, or guaranteed by, a bank.</font></p><p style="font-size:10pt;margin-top:6pt;font-family:Times New Roman;margin-bottom:0;text-align:center;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:16pt;font-family:Arial;font-kerning:none;min-width:fit-content;">Goldman Sachs &amp; Co. LLC</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:2pt;text-align:center;"><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;">Pricing Supplement No.       dated                , 2025.</font></p></div>
  <div style="z-index:2;flex-direction:column;display:flex;padding-bottom:0.5in;min-height:0.5in;justify-content:flex-end;position:relative;box-sizing:border-box;"><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;margin-left:0;margin-right:0;"><font style="white-space:pre-wrap;font-size:10pt;font-family:Times New Roman;font-kerning:none;min-width:fit-content;">&#160;</font></p></div>
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  <div style="padding-top:0.5in;z-index:2;min-height:0.63in;position:relative;box-sizing:border-box;"><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:center;margin-left:0;margin-right:0;"><font style="white-space:pre-wrap;font-size:9pt;font-family:Arial;font-kerning:none;min-width:fit-content;">&#160;</font></p></div>
  <div class="main-content-container" style="z-index:5;position:relative;"><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;">The issue price, underwriting discount and net proceeds listed above relate to the notes we sell initially.  We may decide to sell additional notes after the date of this pricing supplement, at issue prices and with underwriting discounts and net proceeds that differ from the amounts set forth above. The return (whether positive or negative) on your investment in notes will depend in part on the issue price you pay for such notes.</font></p><p style="font-size:10pt;margin-top:5pt;font-family:Times New Roman;margin-bottom:5pt;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;">GS Finance Corp. may use this prospectus in the initial sale of the notes. In addition, Goldman Sachs &amp; Co. LLC or any other affiliate of GS Finance Corp. may use this prospectus in a market-making transaction in a note after its initial sale.  </font><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:10pt;font-family:Arial;font-style:italic;font-kerning:none;min-width:fit-content;">Unless GS Finance Corp. or its agent informs the purchaser otherwise in the confirmation of sale, this prospectus is being used in a market-making transaction.</font></p>
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     <td style="border-top:0.5pt solid;padding-top:0in;border-right:0.5pt solid;border-left:0.5pt solid;padding-left:0.075in;vertical-align:top;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0.075in;"><p style="font-size:10pt;margin-top:5pt;font-family:Times New Roman;margin-bottom:5pt;text-align:center;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:Arial;font-kerning:none;min-width:fit-content;">Estimated Value of Your Notes</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:5pt;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:Arial;font-style:italic;font-kerning:none;min-width:fit-content;">The estimated value of your notes at the time the terms of your notes are set on the trade date (as determined by reference to pricing models used by Goldman Sachs &amp; Co. LLC (GS&amp;Co.) and taking into account our credit spreads) is expected to be between $925 and $955 per $1,000 face amount, which is less than the original issue price. The value of your notes at any time will reflect many factors and cannot be predicted; however, the price (not including GS&amp;Co.&#x2019;s customary bid and ask spreads) at which GS&amp;Co. would initially buy or sell notes (if it makes a market, which it is not obligated to do) and the value that GS&amp;Co. will initially use for account statements and otherwise is equal to approximately the estimated value of your notes at the time of pricing, plus an additional amount (initially equal to $           per $1,000 face amount).</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:5pt;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:Arial;font-style:italic;font-kerning:none;min-width:fit-content;">Prior to              , the price (not including GS&amp;Co.&#x2019;s customary bid and ask spreads) at which GS&amp;Co. would buy or sell your notes (if it makes a market, which it is not obligated to do) will equal approximately the sum of (a) the then-current estimated value of your notes (as determined by reference to GS&amp;Co.&#x2019;s pricing models) plus (b) any remaining additional amount (the additional amount will decline to zero on a straight-line basis from the time of pricing through           ). On and after             , the price (not including GS&amp;Co.&#x2019;s customary bid and ask spreads) at which GS&amp;Co. would buy or sell your notes (if it makes a market) will equal approximately the then-current estimated value of your notes determined by reference to such pricing models.</font><font style="color:#000000;white-space:pre-wrap;font-family:Arial;font-style:italic;font-kerning:none;min-width:fit-content;"> </font></p></td>
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     <td style="border-top:0.5pt solid;padding-top:0in;border-right:0.5pt solid;border-left:0.5pt solid;padding-left:0.007in;vertical-align:top;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0.007in;"><p style="font-size:10pt;margin-top:5pt;font-family:Times New Roman;margin-bottom:5pt;text-align:center;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:Arial;font-kerning:none;min-width:fit-content;">About Your Prospectus</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:5pt;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:Arial;font-kerning:none;min-width:fit-content;">The notes are part of the Medium-Term Notes, Series F program of GS Finance Corp. and are fully and unconditionally guaranteed by The Goldman Sachs Group, Inc. This prospectus includes this pricing supplement and the accompanying documents listed below. This pricing supplement constitutes a supplement to the documents listed below, does not set forth all of the terms of your notes and therefore should be read in conjunction with such documents:</font></p><div class="item-list-element-wrapper" style="margin-left:0.667%;display:flex;margin-top:0;justify-content:flex-start;align-items:baseline;margin-bottom:0;min-width:3.333%;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Times New Roman;font-kerning:none;min-width:3.3553803871825076%;word-break:keep-all;display:inline-flex;justify-content:flex-start;">&#x2022;</font><div style="display:inline;"><a href="https://www.sec.gov/Archives/edgar/data/886982/000119312525243221/gts_no._17744_2025_shelf.htm"><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;">General terms supplement no. 17,744 dated October 20, 2025</font></a></div></div><div class="item-list-element-wrapper" style="margin-left:0.667%;display:flex;margin-top:0;justify-content:flex-start;align-items:baseline;margin-bottom:0;min-width:3.333%;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Times New Roman;font-kerning:none;min-width:3.3553803871825076%;word-break:keep-all;display:inline-flex;justify-content:flex-start;">&#x2022;</font><div style="display:inline;"><a href="https://www.sec.gov/Archives/edgar/data/886982/000119312525211606/underlier_supplement_no.htm"><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;">Underlier supplement no. 46 dated September 22, 2025</font></a></div></div><div class="item-list-element-wrapper" style="margin-left:0.667%;display:flex;margin-top:0;justify-content:flex-start;align-items:baseline;margin-bottom:0;min-width:3.333%;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Times New Roman;font-kerning:none;min-width:3.3553803871825076%;word-break:keep-all;display:inline-flex;justify-content:flex-start;">&#x2022;</font><div style="display:inline;"><a href="https://www.sec.gov/Archives/edgar/data/886982/000119312525027380/d891153d424b2.htm"><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;">Prospectus supplement dated February 14, 2025</font></a></div></div><div class="item-list-element-wrapper" style="margin-left:0.667%;display:flex;margin-top:0;justify-content:flex-start;align-items:baseline;margin-bottom:0;min-width:3.333%;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Times New Roman;font-kerning:none;min-width:3.3553803871825076%;word-break:keep-all;display:inline-flex;justify-content:flex-start;">&#x2022;</font><div style="display:inline;"><a href="https://www.sec.gov/Archives/edgar/data/886982/000119312525027379/d860775d424b2.htm"><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;">Prospectus dated February 14, 2025</font></a></div></div><p style="font-size:10pt;margin-top:5pt;font-family:Times New Roman;margin-bottom:5pt;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:Arial;font-kerning:none;min-width:fit-content;">The information in this pricing supplement supersedes any conflicting information in the documents listed above. In addition, some of the terms or features described in the listed documents may not apply to your notes.</font><font style="color:#000000;white-space:pre-wrap;font-family:Arial;font-kerning:none;min-width:fit-content;"> </font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:5pt;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:Arial;font-kerning:none;min-width:fit-content;">We refer to the notes we are offering by this pricing supplement as the &#x201c;offered notes&#x201d; or the &#x201c;notes&#x201d;. Each of the offered notes has the terms described below. Please note that in this pricing supplement, references to &#x201c;GS Finance Corp.&#x201d;, &#x201c;we&#x201d;, &#x201c;our&#x201d; and &#x201c;us&#x201d; mean only GS Finance Corp. and do not include its subsidiaries or affiliates, references to &#x201c;The Goldman Sachs Group, Inc.&#x201d;, our parent company, mean only The Goldman Sachs Group, Inc. and do not include its subsidiaries or affiliates and references to &#x201c;Goldman Sachs&#x201d; mean The Goldman Sachs Group, Inc. together with its consolidated subsidiaries and affiliates, including us. The notes will be issued under the senior debt indenture, dated as of October 10, 2008, as supplemented by the First Supplemental Indenture, dated as of February 20, 2015, each among us, as issuer, The Goldman Sachs Group, Inc., as guarantor, and The Bank of New York Mellon, as trustee. This indenture, as so supplemented and as further supplemented thereafter, is referred to as the &#x201c;GSFC 2008 indenture&#x201d; in the accompanying prospectus supplement.</font><font style="color:#000000;white-space:pre-wrap;font-family:Arial;font-kerning:none;min-width:fit-content;"> </font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:5pt;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:Arial;font-kerning:none;min-width:fit-content;">The notes will be issued in book-entry form and represented by master note no. 3, dated March 22, 2021.</font></p></td>
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  <div style="padding-top:0.5in;z-index:2;min-height:1in;position:relative;box-sizing:border-box;"><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:center;margin-left:0;margin-right:0;"><font style="white-space:pre-wrap;font-size:9pt;font-family:Arial;font-kerning:none;min-width:fit-content;">&#160;</font></p></div>
  <div class="main-content-container" style="z-index:5;position:relative;"><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:2pt;text-align:center;" id="block_summaryinfo"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;">TERMS AND CONDITIONS</font></p><p style="font-size:10pt;margin-top:3pt;font-family:Times New Roman;margin-bottom:5pt;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;">CUSIP / ISIN:</font><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;"> 40058QPZ6 / US40058QPZ62</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:5pt;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;">Company (Issuer):</font><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;">  GS Finance Corp.</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:5pt;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;">Guarantor:</font><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;"> The Goldman Sachs Group, Inc.</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:5pt;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;">Underlier:</font><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;"> the S&amp;P 500</font><font style="color:#000000;white-space:pre-wrap;vertical-align:super;font-size:6.7pt;font-family:Arial;font-kerning:none;min-width:fit-content;">&#174; </font><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;">Index (current Bloomberg symbol: &#x201c;SPX Index&#x201d;), or any successor underlier, as it may be modified, replaced or adjusted from time to time as provided herein</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:5pt;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;">Face amount: </font><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;"> $      in the aggregate on the original issue date; the aggregate face amount may be increased if the company, at its sole option, decides to sell an additional amount on a date subsequent to the trade date</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:5pt;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;">Authorized denominations:</font><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;"> $1,000 or any integral multiple of $1,000 in excess thereof</font><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;"> </font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:5pt;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;">Principal amount:</font><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;"> Subject to redemption by the company as provided under &#x201c;&#x2014; Company&#x2019;s redemption right (automatic call feature)&#x201d; below, on the stated maturity date the company will pay, for each $1,000 of the outstanding face amount, an amount, if any, in cash equal to the cash settlement amount.</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:5pt;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;">Cash settlement amount</font><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;">:</font></p><div class="item-list-element-wrapper" style="display:flex;margin-top:0;justify-content:flex-start;align-items:baseline;margin-bottom:3pt;min-width:4.537%;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Times New Roman;font-kerning:none;min-width:4.537%;word-break:keep-all;display:inline-flex;justify-content:flex-start;">&#x2022;</font><div style="display:inline;"><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;">if the final underlier level is </font><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-style:italic;font-kerning:none;min-width:fit-content;">greater than</font><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;"> or </font><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-style:italic;font-kerning:none;min-width:fit-content;">equal to </font><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;">the initial underlier level, the </font><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-style:italic;font-kerning:none;min-width:fit-content;">greater </font><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;">of (i) the threshold settlement amount and (ii) the </font><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-style:italic;font-kerning:none;min-width:fit-content;">sum of </font><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;">(a) $1,000 </font><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-style:italic;font-kerning:none;min-width:fit-content;">plus </font><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;">(b) the </font><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-style:italic;font-kerning:none;min-width:fit-content;">product of </font><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;">(1) $1,000 </font><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-style:italic;font-kerning:none;min-width:fit-content;">times </font><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;">(2) the upside participation rate </font><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-style:italic;font-kerning:none;min-width:fit-content;">times </font><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;">(3) the underlier return;</font></div></div><div class="item-list-element-wrapper" style="display:flex;margin-top:0;justify-content:flex-start;align-items:baseline;margin-bottom:3pt;min-width:4.537%;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Times New Roman;font-kerning:none;min-width:4.537%;word-break:keep-all;display:inline-flex;justify-content:flex-start;">&#x2022;</font><div style="display:inline;"><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;">if the final underlier level is </font><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-style:italic;font-kerning:none;min-width:fit-content;">less than</font><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;"> the initial underlier level but </font><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-style:italic;font-kerning:none;min-width:fit-content;">greater than</font><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;"> or </font><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-style:italic;font-kerning:none;min-width:fit-content;">equal to</font><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;"> the trigger buffer level, $1,000; or</font></div></div><div class="item-list-element-wrapper" style="display:flex;margin-top:0;justify-content:flex-start;align-items:baseline;margin-bottom:3pt;min-width:4.537%;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Times New Roman;font-kerning:none;min-width:4.537%;word-break:keep-all;display:inline-flex;justify-content:flex-start;">&#x2022;</font><div style="display:inline;"><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;">if the final underlier level is </font><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-style:italic;font-kerning:none;min-width:fit-content;">less than</font><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;"> the trigger buffer level, the </font><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-style:italic;font-kerning:none;min-width:fit-content;">sum</font><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;"> of (i) $1,000 </font><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-style:italic;font-kerning:none;min-width:fit-content;">plus</font><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;"> (ii) the </font><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-style:italic;font-kerning:none;min-width:fit-content;">product</font><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;"> of (a) $1,000 </font><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-style:italic;font-kerning:none;min-width:fit-content;">times</font><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;"> (b) the underlier return</font></div></div><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:5pt;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;">Company&#x2019;s redemption right (automatic call feature):</font><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;"> if a redemption event occurs, then the outstanding face amount will be automatically redeemed in whole and the company will pay an amount in cash on the call payment date, for each $1,000 of the outstanding face amount, equal to $1,080.</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;">Redemption event:</font><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;"> a redemption event will occur if, as measured on the call observation date, the closing level of the underlier is greater than or equal to the initial underlier level</font></p><p style="font-size:10pt;margin-top:5pt;font-family:Times New Roman;margin-bottom:5pt;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;">Initial underlier level: </font><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;">6,699.40 (which is the closing level of the underlier on October 22, 2025 and may be higher or lower than the closing level of the underlier on the trade date).</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:5pt;text-align:left;" id="s175869918"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;">Final underlier level:  </font><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;">the closing level of the underlier on the determination date, subject to adjustment as provided in &#x201c;&#x2014; Consequences of a market disruption event or a non-trading day&#x201d; and &#x201c;&#x2014; Discontinuance or modification of the underlier&#x201d; below</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:5pt;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;">Threshold settlement amount :</font><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;"> $1,300</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:5pt;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;">Upside participation rate</font><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;">: 100%</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:5pt;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;">Underlier return:</font><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;">  the </font><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-style:italic;font-kerning:none;min-width:fit-content;">quotient</font><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;"> of (i) the final underlier level </font><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-style:italic;font-kerning:none;min-width:fit-content;">minus </font><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;">the initial underlier level </font><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-style:italic;font-kerning:none;min-width:fit-content;">divided </font><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;">by (ii) the initial underlier level, expressed as a percentage</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:5pt;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;">Trigger buffer level:</font><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;"> 90% of the initial underlier level</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:5pt;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;">Trade date:</font><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;"> expected to be October 24, 2025</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:5pt;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;">Original issue date (set on the trade date): </font><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;"> expected to be October 29, 2025</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:5pt;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;">Determination date (set on the trade date):</font><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;"> expected to be October 24, 2028, unless the calculation agent determines that a market disruption event occurs or is continuing on such day or such day is not a trading day. In that event, the determination date will be the first following trading day on which the calculation agent determines that no market disruption event occurs or is continuing. In no event, however, will the determination date be postponed to a date later than the originally scheduled stated maturity date or, if the originally scheduled stated maturity date is not a business day, later than the first business day after the originally scheduled stated maturity date. If a market disruption event occurs or is continuing on the day that is the last possible determination date or such last possible day is not a trading day, that day will nevertheless be the determination date.</font></p></div>
  <div style="z-index:2;flex-direction:column;display:flex;padding-bottom:0.5in;min-height:1in;justify-content:flex-end;position:relative;box-sizing:border-box;"><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:center;margin-left:0;margin-right:0;"><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;">PS-</font><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;">3</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;margin-left:0;margin-right:0;"><font style="white-space:pre-wrap;font-size:7pt;font-family:Times New Roman;font-kerning:none;min-width:fit-content;">&#160;</font></p></div>
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  <div style="padding-top:0.5in;z-index:2;min-height:1in;position:relative;box-sizing:border-box;"><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:center;margin-left:0;margin-right:0;"><font style="white-space:pre-wrap;font-size:9pt;font-family:Arial;font-kerning:none;min-width:fit-content;">&#160;</font></p></div>
  <div class="main-content-container" style="z-index:5;position:relative;"><p style="font-size:10pt;margin-top:5pt;font-family:Times New Roman;margin-bottom:5pt;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;">Stated maturity date (set on the trade date):</font><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;"> expected to be October 27, 2028, unless that day is not a business day, in which case the stated maturity date will be postponed to the next following business day. The stated maturity date will also be postponed if the determination date is postponed as described under &#x201c;&#x2014; Determination date&#x201d; above. In such a case, the stated maturity date will be postponed by the same number of business day(s) from but excluding the originally scheduled determination date to and including the actual determination date.</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;">Call observation date (set on the trade date):</font><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;"> expected to be November 2, 2026, unless the calculation agent determines that a market disruption event occurs or is continuing on that day or that day is not otherwise a trading day. In that event, the call observation date will be the first following trading day on which the calculation agent determines that no market disruption event occurs or is continuing. In no event, however, will the call observation date be postponed to a date later than the originally scheduled call payment date or, if the originally scheduled call payment date is not a business day, later than the first business day after the originally scheduled call payment date.  On such last possible call observation date, if a market disruption event occurs or is continuing or if such last possible day is not a trading day, that day will nevertheless be the call observation date.</font></p><p style="font-size:10pt;margin-top:5pt;font-family:Times New Roman;margin-bottom:5pt;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;">Call payment date (set on the trade date):</font><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;">  expected to be November 5, 2026, or, if such day is not a business day, the next succeeding business day. If the call observation date is postponed as described under &#x201c;&#x2014; Call observation date&#x201d; above, the call payment date will be postponed by the same number of business day(s) from but excluding the originally scheduled call observation date to and including the actual call observation date.</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:5pt;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;">Closing level:  </font><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;">for any given trading day, the official closing level of the underlier or any successor underlier published by the underlier sponsor on such trading day</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:5pt;text-align:left;" id="ole_link28"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;">Trading day:</font><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;"> </font><font id="s175869936"></font><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;">a day on which the respective principal securities markets for all of the underlier stocks are open for trading, the underlier sponsor is open for business and the underlier is calculated and published by the underlier sponsor</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:5pt;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;">Successor underlier:</font><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;"> any substitute underlier approved by the calculation agent as a successor underlier as provided under &#x201c;&#x2014; Discontinuance or modification of the underlier&#x201d; below</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:5pt;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;">Underlier sponsor:</font><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;"> at any time, the person or entity, including any successor sponsor, that determines and publishes the underlier as then in effect. The notes are not sponsored, endorsed, sold or promoted by the underlier sponsor or any of its affiliates and the underlier sponsor and its affiliates make no representation regarding the advisability of investing in the notes.</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:5pt;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;">Underlier stocks:</font><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;"> at any time, the stocks that comprise the underlier as then in effect, after giving effect to any additions, deletions or substitutions</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:5pt;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;">Market disruption event:</font><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;"> With respect to any given trading day, any of the following will be a market disruption event with respect to the underlier:</font></p><div class="item-list-element-wrapper" style="display:flex;margin-top:0;justify-content:flex-start;align-items:baseline;margin-bottom:5pt;min-width:3.333%;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Times New Roman;font-kerning:none;min-width:3.333%;word-break:keep-all;display:inline-flex;justify-content:flex-start;">&#x2022;</font><div style="display:inline;"><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;">a suspension, absence or material limitation of trading in underlier stocks constituting 20% or more, by weight, of such underlier on their respective primary markets, in each case for more than two consecutive hours of trading or during the one-half hour before the close of trading in that market, as determined by the calculation agent in its sole discretion, </font></div></div><div class="item-list-element-wrapper" style="display:flex;margin-top:0;justify-content:flex-start;align-items:baseline;margin-bottom:5pt;min-width:3.333%;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Times New Roman;font-kerning:none;min-width:3.333%;word-break:keep-all;display:inline-flex;justify-content:flex-start;">&#x2022;</font><div style="display:inline;"><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;">a suspension, absence or material limitation of trading in option or futures contracts relating to such underlier or to underlier stocks constituting 20% or more, by weight, of such underlier in the respective primary markets for those contracts, in each case for more than two consecutive hours of trading or during the one-half hour before the close of trading in that market, as determined by the calculation agent in its sole discretion, or</font></div></div><div class="item-list-element-wrapper" style="display:flex;margin-top:0;justify-content:flex-start;align-items:baseline;margin-bottom:5pt;min-width:3.333%;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Times New Roman;font-kerning:none;min-width:3.333%;word-break:keep-all;display:inline-flex;justify-content:flex-start;">&#x2022;</font><div style="display:inline;"><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;">underlier stocks constituting 20% or more, by weight, of such underlier, or option or futures contracts, if available, relating to such underlier or to underlier stocks constituting 20% or more, by weight, of such underlier do not trade on what were the respective primary markets for those underlier stocks or contracts, as determined by the calculation agent in its sole discretion,</font></div></div><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:5pt;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;">and, in the case of any of these events, the calculation agent determines in its sole discretion that such event could materially interfere with the ability of the company or any of its affiliates or a similarly situated person to unwind all or a material portion of a hedge that could be effected with respect to this note.</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:5pt;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;">The following events will not be market disruption events:</font></p></div>
  <div style="z-index:2;flex-direction:column;display:flex;padding-bottom:0.5in;min-height:1in;justify-content:flex-end;position:relative;box-sizing:border-box;"><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:center;margin-left:0;margin-right:0;"><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;">PS-</font><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;">4</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;margin-left:0;margin-right:0;"><font style="white-space:pre-wrap;font-size:7pt;font-family:Times New Roman;font-kerning:none;min-width:fit-content;">&#160;</font></p></div>
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  <div style="padding-top:0.5in;z-index:2;min-height:1in;position:relative;box-sizing:border-box;"><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:center;margin-left:0;margin-right:0;"><font style="white-space:pre-wrap;font-size:9pt;font-family:Arial;font-kerning:none;min-width:fit-content;">&#160;</font></p></div>
  <div class="main-content-container" style="z-index:5;position:relative;"><div class="item-list-element-wrapper" style="display:flex;margin-top:5pt;justify-content:flex-start;align-items:baseline;margin-bottom:5pt;min-width:3.333%;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Times New Roman;font-kerning:none;min-width:3.333%;word-break:keep-all;display:inline-flex;justify-content:flex-start;">&#x2022;</font><div style="display:inline;"><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;">a limitation on the hours or numbers of days of trading, but only if the limitation results from an announced change in the regular business hours of the relevant market, and</font></div></div><div class="item-list-element-wrapper" style="display:flex;margin-top:0;justify-content:flex-start;align-items:baseline;margin-bottom:5pt;min-width:3.333%;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Times New Roman;font-kerning:none;min-width:3.333%;word-break:keep-all;display:inline-flex;justify-content:flex-start;">&#x2022;</font><div style="display:inline;"><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;">a decision to permanently discontinue trading in option or futures contracts relating to such underlier or to any underlier stock.</font></div></div><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:5pt;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;">For this purpose, an &#x201c;absence of trading&#x201d; in the primary securities market on which an underlier stock is traded, or on which option or futures contracts relating to such underlier or an underlier stock are traded, will not include any time when that market is itself closed for trading under ordinary circumstances. In contrast, a suspension or limitation of trading in an underlier stock or in option or futures contracts, if available, relating to such underlier or an underlier stock in the primary market for that stock or those contracts, by reason of:</font></p><div class="item-list-element-wrapper" style="display:flex;margin-top:0;justify-content:flex-start;align-items:baseline;margin-bottom:5pt;min-width:3.333%;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Times New Roman;font-kerning:none;min-width:3.333%;word-break:keep-all;display:inline-flex;justify-content:flex-start;">&#x2022;</font><div style="display:inline;"><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;">a price change exceeding limits set by that market,</font></div></div><div class="item-list-element-wrapper" style="display:flex;margin-top:0;justify-content:flex-start;align-items:baseline;margin-bottom:5pt;min-width:3.333%;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Times New Roman;font-kerning:none;min-width:3.333%;word-break:keep-all;display:inline-flex;justify-content:flex-start;">&#x2022;</font><div style="display:inline;"><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;">an imbalance of orders relating to that underlier stock or those contracts, or</font></div></div><div class="item-list-element-wrapper" style="display:flex;margin-top:0;justify-content:flex-start;align-items:baseline;margin-bottom:5pt;min-width:3.333%;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Times New Roman;font-kerning:none;min-width:3.333%;word-break:keep-all;display:inline-flex;justify-content:flex-start;">&#x2022;</font><div style="display:inline;"><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;">a disparity in bid and ask quotes relating to that underlier stock or those contracts,</font></div></div><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:5pt;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;">will constitute a suspension or material limitation of trading in that stock or those contracts in that market.</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:5pt;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;">Consequences of a market disruption event or a non-trading day: </font><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;">If a market disruption event occurs or is continuing on a day that would otherwise be the call observation date or the determination date, or such day is not a trading day, then the call observation date or the determination date will be postponed as described under &#x201c;&#x2014; Call observation date&#x201d; or &#x201c;&#x2014; Determination date&#x201d; above.</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:5pt;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;">If the calculation agent determines that the closing level of the underlier that must be used to determine the amount payable on the call payment date or the stated maturity date is not available on the last possible call observation date or the last possible determination date because of a market disruption event, a non-trading day or for any other reason (other than as described under &#x201c;&#x2014; Discontinuance or modification of the underlier&#x201d; below), the calculation agent will nevertheless determine the closing level of the underlier based on its assessment, made in its sole discretion, of the level of the underlier on that day.</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:5pt;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;">Discontinuance or modification of the underlier: </font><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;">If the underlier sponsor discontinues publication of the underlier and the underlier sponsor or any other person or entity publishes a substitute underlier that the calculation agent determines is comparable to the underlier and approves as a successor underlier, or if the calculation agent designates a substitute underlier, then the calculation agent will determine the amount payable on the call payment date or the stated maturity date by reference to such successor underlier.</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:5pt;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;">If the calculation agent determines that the publication of the underlier is discontinued and there is no successor underlier, the calculation agent will determine the amount payable on the call payment date or the stated maturity date, as applicable, by a computation methodology that the calculation agent determines will as closely as reasonably possible replicate the underlier.</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:5pt;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;">If the calculation agent determines that (i) the underlier, the underlier stocks comprising such underlier or the method of calculating such underlier is changed at any time in any respect &#x2014; including any addition, deletion or substitution and any reweighting or rebalancing of such underlier or the underlier stocks and whether the change is made by the underlier sponsor under its existing policies or following a modification of those policies, is due to the publication of a successor underlier, is due to events affecting one or more of the underlier stocks or their issuers or is due to any other reason &#x2014; and is not otherwise reflected in the level of the underlier by the underlier sponsor pursuant to the then-current underlier methodology of the underlier or (ii) there has been a split or reverse split of the underlier, then the calculation agent will be permitted (but not required) to make such adjustments in the underlier or the method of its calculation as it believes are appropriate to ensure that the closing levels of the underlier used to determine the amount payable on the call payment date or the stated maturity date, as applicable, is equitable.</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:5pt;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;">All determinations and adjustments to be made by the calculation agent with respect to the underlier may be made by the calculation agent in its sole discretion. The calculation agent is not obligated to make any such adjustments.</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:5pt;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;">Calculation agent:</font><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;">  Goldman Sachs &amp; Co. LLC (&#x201c;GS&amp;Co.&#x201d;)</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:5pt;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;">Tax characterization:</font><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;"> The holder, on behalf of itself and any other person having a beneficial interest in this note, hereby agrees with the company (in the absence of a change in law, an administrative determination or a</font><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;"> </font></p></div>
  <div style="z-index:2;flex-direction:column;display:flex;padding-bottom:0.5in;min-height:1in;justify-content:flex-end;position:relative;box-sizing:border-box;"><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:center;margin-left:0;margin-right:0;"><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;">PS-</font><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;">5</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;margin-left:0;margin-right:0;"><font style="white-space:pre-wrap;font-size:7pt;font-family:Times New Roman;font-kerning:none;min-width:fit-content;">&#160;</font></p></div>
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  <div style="padding-top:0.5in;z-index:2;min-height:1in;position:relative;box-sizing:border-box;"><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:center;margin-left:0;margin-right:0;"><font style="white-space:pre-wrap;font-size:9pt;font-family:Arial;font-kerning:none;min-width:fit-content;">&#160;</font></p></div>
  <div class="main-content-container" style="z-index:5;position:relative;"><p style="font-size:10pt;margin-top:5pt;font-family:Times New Roman;margin-bottom:5pt;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;">judicial ruling to the contrary) to characterize this note for all U.S. federal income tax purposes as a pre-paid derivative contract in respect of the underlier.</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:5pt;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;">Overdue principal rate:</font><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;"> the effective Federal Funds rate</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:10pt;font-family:Times New Roman;font-kerning:none;min-width:fit-content;">&#160;</font></p></div>
  <div style="z-index:2;flex-direction:column;display:flex;padding-bottom:0.5in;min-height:1in;justify-content:flex-end;position:relative;box-sizing:border-box;"><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:center;margin-left:0;margin-right:0;"><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;">PS-</font><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;">6</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;margin-left:0;margin-right:0;"><font style="white-space:pre-wrap;font-size:7pt;font-family:Times New Roman;font-kerning:none;min-width:fit-content;">&#160;</font></p></div>
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  <div style="padding-top:0.5in;z-index:2;min-height:1in;position:relative;box-sizing:border-box;"><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:center;margin-left:0;margin-right:0;"><font style="white-space:pre-wrap;font-size:9pt;font-family:Arial;font-kerning:none;min-width:fit-content;">&#160;</font></p></div>
  <div class="main-content-container" style="z-index:5;position:relative;"><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:1pt;font-family:Times New Roman;font-kerning:none;min-width:fit-content;">&#160;</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:2pt;text-align:center;" id="block_hypoexamples"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;">HYPOTHETICAL EXAMPLES</font></p><p style="font-size:10pt;margin-top:3pt;font-family:Times New Roman;margin-bottom:5pt;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;">The following examples are provided for purposes of illustration only.  They should not be taken as an indication or prediction of future investment results and are intended merely to illustrate the impact that the various hypothetical closing levels of the underlier on the call observation date and on the determination date could have on the amount of cash payable on the call payment date or on the stated maturity date, as the case may be, assuming all other variables remain constant.</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:5pt;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;">The examples below are based on a range of underlier levels that are entirely hypothetical; no one can predict what the closing level of the underlier will be on any day throughout the life of your notes, and no one can predict what the closing level of the underlier will be on the call observation date or on the determination date.  The underlier has been highly volatile in the past &#x2014; meaning that the underlier level has changed considerably in relatively short periods &#x2014; and its performance cannot be predicted for any future period.</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:5pt;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;">The information in the following examples reflects hypothetical rates of return on the offered notes assuming that they are purchased on the original issue date at the face amount and held to the call payment date or the stated maturity date, as the case may be.  If you sell your notes in a secondary market prior to the call payment date or the stated maturity date, as the case may be, your return will depend upon the market value of your notes at the time of sale, which may be affected by a number of factors that are not reflected in the examples below such as interest rates, the volatility of the underlier, the creditworthiness of GS Finance Corp., as issuer, and the creditworthiness of The Goldman Sachs Group, Inc., as guarantor.  In addition, the estimated value of your notes at the time the terms of your notes are set on the trade date (as determined by reference to pricing models used by GS&amp;Co.) is less than the original issue price of your notes.  For more information on the estimated value of your notes, see &#x201c;Additional Risk Factors Specific to Your Notes &#x2014; The Estimated Value of Your Notes At the Time the Terms of Your Notes Are Set On the Trade Date (as Determined By Reference to Pricing Models Used By GS&amp;Co.) Is Less Than the Original Issue Price Of Your Notes&#x201d; on page PS-</font><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;">10</font><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;"> of this pricing supplement.  The information in the examples also reflects the key terms and assumptions in the box below.</font></p>
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     <td colspan="2" style="border-top:1pt solid #000000;padding-top:0in;border-right:1pt solid #000000;border-left:1pt solid #000000;padding-left:0.007in;vertical-align:top;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0.007in;"><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:Arial;font-kerning:none;min-width:fit-content;">Key Terms and Assumptions</font></p></td>
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     <td style="padding-top:0in;border-right:1pt solid #000000;border-left:1pt solid #000000;padding-left:0.007in;vertical-align:top;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0.007in;"><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:Arial;font-kerning:none;min-width:fit-content;">Face amount</font></p></td>
     <td style="padding-top:0in;border-right:1pt solid #000000;padding-left:0.007in;vertical-align:top;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0.007in;text-align:center;"><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:Arial;font-kerning:none;min-width:fit-content;">$1,000</font></p></td>
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     <td style="padding-top:0in;border-right:1pt solid #000000;padding-left:0.007in;vertical-align:top;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0.007in;text-align:center;"><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:Arial;font-kerning:none;min-width:fit-content;">$1,300</font></p></td>
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     <td style="padding-top:0in;border-right:1pt solid #000000;border-left:1pt solid #000000;padding-left:0.007in;vertical-align:top;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0.007in;"><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:Arial;font-kerning:none;min-width:fit-content;">Upside participation rate</font></p></td>
     <td style="padding-top:0in;border-right:1pt solid #000000;padding-left:0.007in;vertical-align:top;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0.007in;text-align:center;"><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:Arial;font-kerning:none;min-width:fit-content;">100%</font></p></td>
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     <td style="padding-top:0in;border-right:1pt solid #000000;border-left:1pt solid #000000;padding-left:0.007in;vertical-align:top;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0.007in;"><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:Arial;font-kerning:none;min-width:fit-content;">Trigger buffer level</font></p></td>
     <td style="padding-top:0in;border-right:1pt solid #000000;padding-left:0.007in;vertical-align:top;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0.007in;text-align:center;"><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="color:#000000;white-space:pre-wrap;font-family:Arial;font-kerning:none;min-width:fit-content;">90% of the initial underlier level</font></p></td>
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     <td colspan="2" style="padding-top:0in;border-right:1pt solid #000000;border-left:1pt solid #000000;padding-left:0.007in;vertical-align:top;padding-bottom:0in;padding-right:0.007in;"><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:Arial;font-kerning:none;min-width:fit-content;">Neither a market disruption event nor a non-trading day occurs on the originally scheduled call observation date or the originally scheduled determination date</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-family:Arial;font-kerning:none;min-width:fit-content;">&#160;</font></p></td>
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     <td colspan="2" style="padding-top:0in;border-right:1pt solid #000000;border-left:1pt solid #000000;padding-left:0.007in;vertical-align:top;padding-bottom:0in;padding-right:0.007in;"><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:Arial;font-kerning:none;min-width:fit-content;">No change in or affecting any of the underlier stocks or the method by which the underlier sponsor calculates the underlier</font></p></td>
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     <td colspan="2" style="padding-top:0in;border-right:1pt solid #000000;border-left:1pt solid #000000;padding-left:0.007in;vertical-align:top;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0.007in;"><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:Arial;font-kerning:none;min-width:fit-content;">Notes purchased on original issue date at the face amount and held to the call payment date or the stated maturity date</font><font style="color:#000000;white-space:pre-wrap;font-family:Arial;font-kerning:none;min-width:fit-content;"> </font></p></td>
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   </table><p style="font-size:10pt;margin-top:6pt;font-family:Times New Roman;margin-bottom:6pt;text-align:left;" id="ole_link5"><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;">For these reasons, the actual performance of the underlier </font><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;">over the life of your notes, as well as the amount payable on the call payment date or at maturity, if any, may bear little relation to the hypothetical examples shown below or to the historical underlier levels shown elsewhere in this pricing supplement.  For information about the historical levels of the underlier during recent periods, see &#x201c;The Underlier &#x2014; Historical Closing Levels of the Underlier</font><font id="ole_link18"></font><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;">&#x201d; below.  Before investing in the offered notes, you should consult publicly available information to determine the levels of the underlier between the date of this pricing supplement and the date of your purchase of the offered notes.</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:6pt;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;">Also, the hypothetical examples shown below do not take into account the effects of applicable taxes.  Because of the U.S. tax treatment applicable to your notes, tax liabilities could affect the after-tax rate of return on your notes to a comparatively greater extent than the after-tax return on the underlier stocks.</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:6pt;text-align:left;" id="ole_link7"><font id="ole_link19"></font><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;">Hypothetical Payment on the Call Payment Date</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:6pt;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;">The example below shows the hypothetical payment that we would pay on the call payment date with respect to each $1,000 face amount of the notes if the closing level of the underlier is </font><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-style:italic;font-kerning:none;min-width:fit-content;">greater than </font><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;">or</font><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-style:italic;font-kerning:none;min-width:fit-content;"> equal to</font><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;"> the initial underlier level on the call observation date.</font><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;"> </font></p></div>
  <div style="z-index:2;flex-direction:column;display:flex;padding-bottom:0.5in;min-height:1in;justify-content:flex-end;position:relative;box-sizing:border-box;"><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:center;margin-left:0;margin-right:0;"><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;">PS-</font><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;">7</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;margin-left:0;margin-right:0;"><font style="white-space:pre-wrap;font-size:7pt;font-family:Times New Roman;font-kerning:none;min-width:fit-content;">&#160;</font></p></div>
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  <div style="padding-top:0.5in;z-index:2;min-height:1in;position:relative;box-sizing:border-box;"><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:center;margin-left:0;margin-right:0;"><font style="white-space:pre-wrap;font-size:9pt;font-family:Arial;font-kerning:none;min-width:fit-content;">&#160;</font></p></div>
  <div class="main-content-container" style="z-index:5;position:relative;"><p style="font-size:10pt;margin-top:6pt;font-family:Times New Roman;margin-bottom:6pt;text-align:left;" id="ole_link24"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;">If your notes are automatically called on the call observation date </font><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;">(i.e., on the call observation date the closing level of the underlier is </font><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-style:italic;font-kerning:none;min-width:fit-content;">greater than</font><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;"> or </font><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-style:italic;font-kerning:none;min-width:fit-content;">equal</font><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;"> to the initial underlier level), the amount in cash that </font><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;">we would deliver for each $1,000 face amount of your notes on the call payment date would</font><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;"> be $1,080. If, for example, the closing level of the underlier on the call observation date were determined to be 120% of </font><font id="ole_link21"></font><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;">the initial underlier level, your notes would be automatically called and the amount in cash that we would deliver on your notes on the call payment date would be 108% of the face amount of your notes or </font><font id="ole_link17"></font><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;">$1,080 for each $1,000 of the face amount of your notes</font><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;">.</font><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;"> </font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:6pt;text-align:left;" id="ole_link32"><font id="ole_link15"></font><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;">Hypothetical Payment at Maturity</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:6pt;text-align:left;" id="ole_link29"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;">If the notes</font><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;"> </font><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;">are </font><font style="color:#000000;white-space:pre-wrap;font-weight:bold;text-decoration:underline solid;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;">not</font><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;"> automatically called on the call observation date</font><font id="ole_link35"></font><font id="ole_link36"></font><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;"> (i.e., on the call observation date the closing level of the underlier is less than the initial underlier level), the amount in cash we would deliver for each $1,000 face amount of your notes on the stated maturity date will depend on the performance of the underlier on the determination date, as shown in the table below. The table below assumes that</font><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;"> the notes have </font><font style="color:#000000;white-space:pre-wrap;font-weight:bold;text-decoration:underline solid;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;">not</font><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;"> been automatically called on the call observation date</font><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;"> </font><font id="ole_link16"></font><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;">and reflects hypothetical cash settlement amounts that you could receive on the stated maturity date. The levels in the left column of the table below represent hypothetical final underlier levels and are expressed as </font><font id="ole_link8"></font><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;">percentages of the initial underlier level.  The amounts in the right column represent the hypothetical cash settlement amounts, based on the corresponding hypothetical final underlier level, and are expressed as percentages of the face amount of a note (rounded to the nearest one-thousandth of a percent). Thus</font><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;">, a hypothetical cash settlement amount of 100.000% means that the value of the cash payment that we would deliver for each $1,000 of the outstanding </font><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;">face amount of the offered notes on the stated maturity date would equal 100.000% of the face amount of a note, based on the corresponding hypothetical final underlier level </font><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;">and the assumptions noted above.</font></p>
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     <td colspan="2" style="padding-top:0in;padding-left:0.007in;vertical-align:top;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0.007in;"><p style="font-size:10pt;margin-top:6pt;font-family:Times New Roman;margin-bottom:6pt;text-align:center;" id="ole_link14"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:Arial;font-kerning:none;min-width:fit-content;">The Notes Have </font><font style="color:#000000;white-space:pre-wrap;font-weight:bold;text-decoration:underline solid;font-family:Arial;font-kerning:none;min-width:fit-content;">Not</font><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:Arial;font-kerning:none;min-width:fit-content;">&#160;Been Automatically Called</font></p></td>
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    <tr style="height:13.7pt;word-break:break-word;white-space:pre-wrap;text-align:left;">
     <td style="padding-top:0in;padding-left:0.007in;vertical-align:middle;padding-bottom:0in;border-bottom:1pt solid #000000;padding-right:0.007in;"><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:center;"><font style="white-space:pre-wrap;font-family:Arial;font-kerning:none;min-width:fit-content;">&#160;</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:center;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:Arial;font-kerning:none;min-width:fit-content;">Hypothetical Final Underlier Level</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:center;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:Arial;font-kerning:none;min-width:fit-content;">&#160;(as Percentage of Initial Underlier Level)</font></p></td>
     <td style="padding-top:0in;padding-left:0.007in;vertical-align:middle;padding-bottom:0in;border-bottom:1pt solid #000000;padding-right:0.007in;"><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:center;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:Arial;font-kerning:none;min-width:fit-content;">Hypothetical Cash Settlement Amount</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:center;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:Arial;font-kerning:none;min-width:fit-content;">(as Percentage of Face Amount)</font></p></td>
    </tr>
    <tr style="height:11.5pt;word-break:break-word;white-space:pre-wrap;text-align:left;">
     <td style="padding-top:0in;padding-left:0.007in;vertical-align:top;padding-bottom:0in;padding-right:0.007in;"><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:center;"><font style="color:#000000;white-space:pre-wrap;font-family:Arial;font-kerning:none;min-width:fit-content;">175.000%</font></p></td>
     <td style="padding-top:0in;padding-left:0.007in;vertical-align:top;padding-bottom:0in;padding-right:0.007in;"><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:center;"><font style="color:#000000;white-space:pre-wrap;font-family:Arial;font-kerning:none;min-width:fit-content;">175.000%</font></p></td>
    </tr>
    <tr style="height:11.5pt;word-break:break-word;white-space:pre-wrap;text-align:left;">
     <td style="padding-top:0in;padding-left:0.007in;vertical-align:top;padding-bottom:0in;padding-right:0.007in;"><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:center;"><font style="color:#000000;white-space:pre-wrap;font-family:Arial;font-kerning:none;min-width:fit-content;">150.000%</font></p></td>
     <td style="padding-top:0in;padding-left:0.007in;vertical-align:top;padding-bottom:0in;padding-right:0.007in;"><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:center;"><font style="color:#000000;white-space:pre-wrap;font-family:Arial;font-kerning:none;min-width:fit-content;">150.000%</font></p></td>
    </tr>
    <tr style="height:11.5pt;word-break:break-word;white-space:pre-wrap;text-align:left;">
     <td style="padding-top:0in;padding-left:0.007in;vertical-align:top;padding-bottom:0in;padding-right:0.007in;"><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:center;"><font style="color:#000000;white-space:pre-wrap;font-family:Arial;font-kerning:none;min-width:fit-content;">140.000%</font></p></td>
     <td style="padding-top:0in;padding-left:0.007in;vertical-align:top;padding-bottom:0in;padding-right:0.007in;"><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:center;"><font style="color:#000000;white-space:pre-wrap;font-family:Arial;font-kerning:none;min-width:fit-content;">140.000%</font></p></td>
    </tr>
    <tr style="height:11.5pt;background-color:#bfbfbf;word-break:break-word;white-space:pre-wrap;text-align:left;">
     <td style="padding-top:0in;padding-left:0.007in;vertical-align:top;padding-bottom:0in;padding-right:0.007in;"><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:center;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:Arial;font-kerning:none;min-width:fit-content;">130.000%</font></p></td>
     <td style="padding-top:0in;padding-left:0.007in;vertical-align:top;padding-bottom:0in;padding-right:0.007in;"><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:center;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:Arial;font-kerning:none;min-width:fit-content;">130.000%</font></p></td>
    </tr>
    <tr style="height:11.5pt;word-break:break-word;white-space:pre-wrap;text-align:left;">
     <td style="padding-top:0in;padding-left:0.007in;vertical-align:top;padding-bottom:0in;padding-right:0.007in;"><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:center;"><font style="color:#000000;white-space:pre-wrap;font-family:Arial;font-kerning:none;min-width:fit-content;">120.000%</font></p></td>
     <td style="padding-top:0in;padding-left:0.007in;vertical-align:top;padding-bottom:0in;padding-right:0.007in;"><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:center;"><font style="color:#000000;white-space:pre-wrap;font-family:Arial;font-kerning:none;min-width:fit-content;">130.000%</font></p></td>
    </tr>
    <tr style="height:10pt;background-color:#ffffff;word-break:break-word;white-space:pre-wrap;text-align:left;">
     <td style="padding-top:0in;padding-left:0.007in;vertical-align:top;padding-bottom:0in;padding-right:0.007in;"><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:center;"><font style="color:#000000;white-space:pre-wrap;font-family:Arial;font-kerning:none;min-width:fit-content;">110.000%</font></p></td>
     <td style="padding-top:0in;padding-left:0.007in;vertical-align:top;padding-bottom:0in;padding-right:0.007in;"><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:center;"><font style="color:#000000;white-space:pre-wrap;font-family:Arial;font-kerning:none;min-width:fit-content;">130.000%</font></p></td>
    </tr>
    <tr style="height:10pt;background-color:#bfbfbf;word-break:break-word;white-space:pre-wrap;text-align:left;">
     <td style="padding-top:0in;padding-left:0.007in;vertical-align:top;padding-bottom:0in;padding-right:0.007in;"><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:center;" id="ole_link10"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:Arial;font-kerning:none;min-width:fit-content;">100.000%</font></p></td>
     <td style="padding-top:0in;padding-left:0.007in;vertical-align:top;padding-bottom:0in;padding-right:0.007in;"><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:center;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:Arial;font-kerning:none;min-width:fit-content;">130.000%</font></p></td>
    </tr>
    <tr style="height:11.5pt;word-break:break-word;white-space:pre-wrap;text-align:left;">
     <td style="padding-top:0in;padding-left:0.007in;vertical-align:top;padding-bottom:0in;padding-right:0.007in;"><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:center;" id="ole_link31"><font style="color:#000000;white-space:pre-wrap;font-family:Arial;font-kerning:none;min-width:fit-content;">99.999%</font></p></td>
     <td style="padding-top:0in;padding-left:0.007in;vertical-align:top;padding-bottom:0in;padding-right:0.007in;"><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:center;"><font style="color:#000000;white-space:pre-wrap;font-family:Arial;font-kerning:none;min-width:fit-content;">100.000%</font></p></td>
    </tr>
    <tr style="height:11.5pt;word-break:break-word;white-space:pre-wrap;text-align:left;">
     <td style="padding-top:0in;padding-left:0.007in;vertical-align:top;padding-bottom:0in;padding-right:0.007in;"><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:center;"><font style="color:#000000;white-space:pre-wrap;font-family:Arial;font-kerning:none;min-width:fit-content;">95.000%</font></p></td>
     <td style="padding-top:0in;padding-left:0.007in;vertical-align:bottom;padding-bottom:0in;padding-right:0.007in;"><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:center;"><font style="color:#000000;white-space:pre-wrap;font-family:Arial;font-kerning:none;min-width:fit-content;">100.000%</font></p></td>
    </tr>
    <tr style="height:11.5pt;background-color:#bfbfbf;word-break:break-word;white-space:pre-wrap;text-align:left;">
     <td style="padding-top:0in;padding-left:0.007in;vertical-align:top;padding-bottom:0in;padding-right:0.007in;"><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:center;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:Arial;font-kerning:none;min-width:fit-content;">90.000%</font></p></td>
     <td style="padding-top:0in;padding-left:0.007in;vertical-align:top;padding-bottom:0in;padding-right:0.007in;"><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:center;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:Arial;font-kerning:none;min-width:fit-content;">100.000%</font></p></td>
    </tr>
    <tr style="height:11.5pt;word-break:break-word;white-space:pre-wrap;text-align:left;">
     <td style="padding-top:0in;padding-left:0.007in;vertical-align:top;padding-bottom:0in;padding-right:0.007in;"><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:center;"><font style="color:#000000;white-space:pre-wrap;font-family:Arial;font-kerning:none;min-width:fit-content;">89.999%</font></p></td>
     <td style="padding-top:0in;padding-left:0.007in;vertical-align:top;padding-bottom:0in;padding-right:0.007in;"><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:center;"><font style="color:#000000;white-space:pre-wrap;font-family:Arial;font-kerning:none;min-width:fit-content;">89.999%</font></p></td>
    </tr>
    <tr style="height:11.5pt;word-break:break-word;white-space:pre-wrap;text-align:left;">
     <td style="padding-top:0in;padding-left:0.007in;vertical-align:top;padding-bottom:0in;padding-right:0.007in;"><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:center;"><font style="color:#000000;white-space:pre-wrap;font-family:Arial;font-kerning:none;min-width:fit-content;">60.000%</font></p></td>
     <td style="padding-top:0in;padding-left:0.007in;vertical-align:top;padding-bottom:0in;padding-right:0.007in;"><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:center;"><font style="color:#000000;white-space:pre-wrap;font-family:Arial;font-kerning:none;min-width:fit-content;">60.000%</font></p></td>
    </tr>
    <tr style="height:11.5pt;word-break:break-word;white-space:pre-wrap;text-align:left;">
     <td style="padding-top:0in;padding-left:0.007in;vertical-align:top;padding-bottom:0in;padding-right:0.007in;"><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:center;"><font style="color:#000000;white-space:pre-wrap;font-family:Arial;font-kerning:none;min-width:fit-content;">50.000%</font></p></td>
     <td style="padding-top:0in;padding-left:0.007in;vertical-align:top;padding-bottom:0in;padding-right:0.007in;"><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:center;"><font style="color:#000000;white-space:pre-wrap;font-family:Arial;font-kerning:none;min-width:fit-content;">50.000%</font></p></td>
    </tr>
    <tr style="height:11.5pt;word-break:break-word;white-space:pre-wrap;text-align:left;">
     <td style="padding-top:0in;padding-left:0.007in;vertical-align:top;padding-bottom:0in;padding-right:0.007in;"><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:center;"><font style="color:#000000;white-space:pre-wrap;font-family:Arial;font-kerning:none;min-width:fit-content;">25.000%</font></p></td>
     <td style="padding-top:0in;padding-left:0.007in;vertical-align:top;padding-bottom:0in;padding-right:0.007in;"><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:center;"><font style="color:#000000;white-space:pre-wrap;font-family:Arial;font-kerning:none;min-width:fit-content;">25.000%</font></p></td>
    </tr>
    <tr style="height:12.95pt;background-color:#c0c0c0;word-break:break-word;white-space:pre-wrap;text-align:left;">
     <td style="padding-top:0in;padding-left:0.007in;vertical-align:top;padding-bottom:0in;padding-right:0.007in;"><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:center;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:Arial;font-kerning:none;min-width:fit-content;">0.000%</font></p></td>
     <td style="padding-top:0in;padding-left:0.007in;vertical-align:top;padding-bottom:0in;padding-right:0.007in;"><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:center;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-family:Arial;font-kerning:none;min-width:fit-content;">0.000%</font></p></td>
    </tr>
   </table><p style="font-size:10pt;margin-top:5pt;font-family:Times New Roman;margin-bottom:5pt;text-align:left;" id="ole_link22"><font id="ole_link20"></font><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;">If, for example,</font><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;"> </font><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;">the notes have </font><font style="color:#000000;white-space:pre-wrap;font-weight:bold;text-decoration:underline solid;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;">not</font><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;"> been automatically called on the call observation date</font><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;"> and the final underlier level were determined to be 25.000% of the initial </font><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;">underlier level, the cash settlement amount that we would deliver on your notes at maturity would be 25.000% of the face amount of your notes, as shown in the table above.</font><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;"> As a result, if you purchased your notes on the original issue date at the face amount and held them to the stated maturity date, you would lose 75.000% of your investment (if you purchased your notes at a premium to face amount you would lose a correspondingly higher percentage of your investment).</font></p></div>
  <div style="z-index:2;flex-direction:column;display:flex;padding-bottom:0.5in;min-height:1in;justify-content:flex-end;position:relative;box-sizing:border-box;"><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:center;margin-left:0;margin-right:0;"><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;">PS-</font><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;">8</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;margin-left:0;margin-right:0;"><font style="white-space:pre-wrap;font-size:7pt;font-family:Times New Roman;font-kerning:none;min-width:fit-content;">&#160;</font></p></div>
  <hr style="margin-inline-start:auto;margin-inline-end:auto;page-break-after:always;">
  <div style="padding-top:0.5in;z-index:2;min-height:1in;position:relative;box-sizing:border-box;"><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:center;margin-left:0;margin-right:0;"><font style="white-space:pre-wrap;font-size:9pt;font-family:Arial;font-kerning:none;min-width:fit-content;">&#160;</font></p></div>
  <div class="main-content-container" style="z-index:5;position:relative;"><p style="font-size:10pt;margin-top:5pt;font-family:Times New Roman;margin-bottom:5pt;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;">The amounts shown above are entirely hypothetical; they are based on market prices for the underlier stocks that may not be achieved on the call observation date or the determination date, as the case may be, and on assumptions that may prove to be erroneous. The actual market value of your notes on the stated maturity date or at any other time, including any time you may wish to sell your notes, may bear little relation to the hypothetical amounts shown above, and these amounts should not be viewed as an indication of the financial return on an investment in the offered notes.  The hypothetical amounts on notes held to the stated maturity date in the examples above assume you purchased your notes at the face amount and have not been adjusted to reflect the actual issue price you pay for your notes. The return on your investment (whether positive or negative) in your notes will be affected by the amount you pay for your notes. If you purchase your notes for a price other than the face amount, the return on your investment will differ from, and may be significantly lower than, the hypothetical returns suggested by the above examples.  Please read &#x201c;Additional Risk Factors Specific to Your Notes &#x2014; The Market Value of Your Notes May Be Influenced by Many Unpredictable Factors&#x201d; on page PS-</font><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;">12</font><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;">.</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:5pt;text-align:left;" id="ole_link33"><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;">Payments on the </font><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;">notes are economically equivalent to the amounts that would be paid on a combination of other instruments. For example, payments on the notes are economically equivalent to a combination of an interest-bearing bond bought by the holder and one or more options entered into between the holder and us (with one or more implicit option premiums paid over time). The discussion in this paragraph does not modify or affect the terms of the notes or the U.S. federal income tax treatment of the notes, as described elsewhere in this pricing supplement.</font></p>
   <table style="margin-left:auto;border-spacing:0;table-layout:fixed;width:100.0%;border-collapse:separate;margin-right:auto;">
    <tr style="visibility:collapse;">
     <td style="width:6.986111111111111in;box-sizing:content-box;"></td>
    </tr>
    <tr style="height:10pt;word-break:break-word;white-space:pre-wrap;">
     <td style="border-top:1pt solid #000000;padding-top:0in;border-right:1pt solid #000000;border-left:1pt solid #000000;padding-left:0.007in;vertical-align:top;padding-bottom:0in;border-bottom:1pt solid #000000;padding-right:0.007in;"><p style="font-size:10pt;margin-top:6pt;font-family:Times New Roman;margin-bottom:6pt;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:Arial;font-style:italic;font-kerning:none;min-width:fit-content;">We cannot predict the actual closing level of the underlier on the call observation date or the determination date or what the market value of your notes will be on any particular trading day, nor can we predict the relationship between the underlier level and the market value of your notes at any time prior to the stated maturity date. The actual amount that you will receive, if any, on the call payment date or the maturity date and the rate of return on the offered notes will depend on whether the notes are called and the actual final underlier level determined by the calculation agent as described above. Moreover, the assumptions on which the hypothetical returns are based may turn out to be inaccurate. Consequently, the amount of cash to be paid in respect of your notes, if any, on the call payment date or the stated maturity date may be very different from the information reflected in the examples above.</font></p></td>
    </tr>
   </table><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:10pt;font-family:Times New Roman;font-kerning:none;min-width:fit-content;">&#160;</font></p></div>
  <div style="z-index:2;flex-direction:column;display:flex;padding-bottom:0.5in;min-height:1in;justify-content:flex-end;position:relative;box-sizing:border-box;"><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:center;margin-left:0;margin-right:0;"><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;">PS-</font><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;">9</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;margin-left:0;margin-right:0;"><font style="white-space:pre-wrap;font-size:7pt;font-family:Times New Roman;font-kerning:none;min-width:fit-content;">&#160;</font></p></div>
  <hr style="margin-inline-start:auto;margin-inline-end:auto;page-break-after:always;">
  <div style="padding-top:0.5in;z-index:2;min-height:1in;position:relative;box-sizing:border-box;"><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:center;margin-left:0;margin-right:0;"><font style="white-space:pre-wrap;font-size:9pt;font-family:Arial;font-kerning:none;min-width:fit-content;">&#160;</font></p></div>
  <div class="main-content-container" style="z-index:5;position:relative;"><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:2pt;text-align:center;" id="block_additionalriskfactors"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;">ADDITIONAL RISK FACTORS SPECIFIC TO YOUR NOTES</font></p>
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     <td style="border-top:1pt solid #000000;padding-top:0in;border-right:1pt solid #000000;border-left:1pt solid #000000;padding-left:0.007in;vertical-align:top;padding-bottom:0in;border-bottom:1pt solid #000000;padding-right:0.007in;"><p style="font-size:10pt;margin-top:5pt;font-family:Times New Roman;margin-bottom:5pt;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:Arial;font-style:italic;font-kerning:none;min-width:fit-content;">An investment in your notes is subject to the risks described below, as well as the risks and considerations described in the accompanying prospectus, in the accompanying prospectus supplement</font><font style="color:#000000;white-space:pre-wrap;font-family:Arial;font-kerning:none;min-width:fit-content;">, </font><font style="color:#000000;white-space:pre-wrap;font-family:Arial;font-style:italic;font-kerning:none;min-width:fit-content;">under &#x201c;Additional Risk Factors Specific to the Securities&#x201d; in the accompanying underlier supplement no. 46 and under &#x201c;Additional Risk Factors Specific to the Notes&#x201d; in the accompanying general terms supplement no. 17,744. You should carefully review these risks and considerations as well as the terms of the notes described herein and in the accompanying prospectus, the accompanying prospectus supplement, the accompanying underlier supplement no. 46 and the accompanying general terms supplement no. 17,744. Your notes are a riskier investment than ordinary debt securities. Also, your notes are not equivalent to investing directly in the underlier stocks, i.e., the stocks comprising the underlier to which your notes are linked. You should carefully consider whether the offered notes are appropriate given your particular circumstances.</font></p></td>
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   </table><p style="font-size:10pt;margin-top:6pt;font-family:Times New Roman;margin-bottom:6pt;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;text-decoration:underline solid;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;">Risks Related to Structure, Valuation and Secondary Market Sales</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:6pt;text-align:center;" id="block_block_riskloss"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;">The Estimated Value of Your Notes At the Time the Terms of Your Notes Are Set On the Trade Date (as Determined By Reference to Pricing Models Used By GS&amp;Co.) Is Less Than the Original Issue Price Of Your Notes</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:6pt;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;">The original issue price for your notes exceeds the estimated value of your notes as of the time the terms of your notes are set on the trade date, as determined by reference to GS&amp;Co.&#x2019;s pricing models and taking into account our credit spreads. Such estimated value on the trade date is set forth above under &#x201c;Estimated Value of Your Notes</font><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-style:italic;font-kerning:none;min-width:fit-content;">&#x201d;</font><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;">; after the trade date, the estimated value as determined by reference to these models will be affected by changes in market conditions, the creditworthiness of GS Finance Corp., as issuer, the creditworthiness of The Goldman Sachs Group, Inc., as guarantor</font><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-style:italic;font-kerning:none;min-width:fit-content;">,</font><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;"> and other relevant factors. The price at which GS&amp;Co. would initially buy or sell your notes (if GS&amp;Co. makes a market, which it is not obligated to do), and the value that GS&amp;Co. will initially use for account statements and otherwise, also exceeds the estimated value of your notes as determined by reference to these models. As agreed by GS&amp;Co. and the distribution participants, this excess (i.e., the additional amount described under &#x201c;Estimated Value of Your Notes&#x201d;) will decline to zero on a straight line basis over the period from the date hereof through the applicable date set forth above under &#x201c;Estimated Value of Your Notes&#x201d;. Thereafter, if GS&amp;Co. buys or sells your notes it will do so at prices that reflect the estimated value determined by reference to such pricing models at that time. The price at which GS&amp;Co. will buy or sell your notes at any time also will reflect its then current bid and ask spread for similar sized trades of structured notes.</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:6pt;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;">In estimating the value of your notes as of the time the terms of your notes are set on the trade date, as disclosed above under &#x201c;Estimated Value of Your Notes&#x201d;, GS&amp;Co.&#x2019;s pricing models consider certain variables, including principally our credit spreads, interest rates (forecasted, current and historical rates), volatility, price-sensitivity analysis and the time to maturity of the notes.  These pricing models are proprietary and rely in part on certain assumptions about future events, which may prove to be incorrect. As a result, the actual value you would receive if you sold your notes in the secondary market, if any, to others may differ, perhaps materially, from the estimated value of your notes determined by reference to our models due to, among other things, any differences in pricing models or assumptions used by others.  See &#x201c; &#x2014; The Market Value of Your Notes May Be Influenced by Many Unpredictable Factors&#x201d; below.</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:6pt;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;">The difference between the estimated value of your notes as of the time the terms of your notes are set on the trade date and the original issue price is a result of certain factors, including principally the underwriting discount and commissions, the expenses incurred in creating, documenting and marketing the notes, and an estimate of the difference between the amounts we pay to GS&amp;Co. and the amounts GS&amp;Co. pays to us in connection with your notes. We pay to GS&amp;Co. amounts based on what we would pay to holders of a non-structured note with a similar maturity.  In return for such payment, GS&amp;Co. pays to us the amounts we owe under your notes.</font><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;">   </font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:6pt;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;">In addition to the factors discussed above, the value and quoted price of your notes at any time will reflect many factors and cannot be predicted.  If GS&amp;Co. makes a market in the notes, the price quoted by GS&amp;Co. would reflect any changes in market conditions and other relevant factors, including any deterioration in our creditworthiness or perceived creditworthiness or the creditworthiness or perceived creditworthiness of The Goldman Sachs Group, Inc. These changes may adversely affect the value of your notes, including the price you may receive for your notes in any market making transaction. To the extent that GS&amp;Co. makes a market in the notes, the quoted price will reflect the estimated value determined by reference to GS&amp;Co.&#x2019;s pricing models at</font><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;"> </font></p></div>
  <div style="z-index:2;flex-direction:column;display:flex;padding-bottom:0.5in;min-height:1in;justify-content:flex-end;position:relative;box-sizing:border-box;"><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:center;margin-left:0;margin-right:0;"><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;">PS-</font><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;">10</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;margin-left:0;margin-right:0;"><font style="white-space:pre-wrap;font-size:7pt;font-family:Times New Roman;font-kerning:none;min-width:fit-content;">&#160;</font></p></div>
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  <div style="padding-top:0.5in;z-index:2;min-height:1in;position:relative;box-sizing:border-box;"><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:center;margin-left:0;margin-right:0;"><font style="white-space:pre-wrap;font-size:9pt;font-family:Arial;font-kerning:none;min-width:fit-content;">&#160;</font></p></div>
  <div class="main-content-container" style="z-index:5;position:relative;"><p style="font-size:10pt;margin-top:6pt;font-family:Times New Roman;margin-bottom:6pt;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;">that time, plus or minus its then current bid and ask spread for similar sized trades of structured notes (and subject to the declining excess amount described above).</font><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;">  </font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:6pt;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;">Furthermore, if you sell your notes, you will likely be charged a commission for secondary market transactions, or the price will likely reflect a dealer discount.  This commission or discount will further reduce the proceeds you would receive for your notes in a secondary market sale.</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:6pt;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;">There is no assurance that GS&amp;Co. or any other party will be willing to purchase your notes at any price and, in this regard, GS&amp;Co. is not obligated to make a market in the notes. See &#x201c;Additional Risk Factors Specific to the Notes &#x2014; Your Notes May Not Have an Active Trading Market&#x201d; on page S-7 of the accompanying general terms supplement no. 17,744.</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:6pt;text-align:center;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;">The Notes Are Subject to the Credit Risk of the Issuer and the Guarantor</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:6pt;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;">Although the return on the notes will be based on the performance of the underlier, the payment of any amount due on the notes is subject to the credit risk of GS Finance Corp., as issuer of the notes, and the credit risk of The Goldman Sachs Group, Inc., as guarantor of the notes. The notes are our unsecured obligations.  Investors are dependent on our ability to pay all amounts due on the notes, and therefore investors are subject to our credit risk and to changes in the market&#x2019;s view of our creditworthiness.  Similarly, investors are dependent on the ability of The Goldman Sachs Group, Inc., as guarantor of the notes, to pay all amounts due on the notes, and therefore are also subject to its credit risk and to changes in the market&#x2019;s view of its creditworthiness. See &#x201c;Description of the Notes We May Offer &#x2014; Information About Our Medium-Term Notes, Series F Program &#x2014; How the Notes Rank Against Other Debt&#x201d; on page S-5 of the accompanying prospectus supplement and &#x201c;Description of Debt Securities We May Offer &#x2013; Guarantee by The Goldman Sachs Group, Inc.&#x201d; on page 65 of the accompanying prospectus.</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:6pt;text-align:center;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;">The Amount You Will Receive on the Call Payment Date or on the Stated Maturity Date is Not Linked to the Closing Level of the Underlier at Any Time Other Than on the Call Observation Date or the Determination Date, as the Case May Be</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:6pt;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;">The amount in cash you will receive on the call payment date, if any, will be paid only if the closing level of the underlier on the call observation date is greater than or equal to the initial underlier level.  Therefore, the closing level of the underlier on dates other than the call observation date will have no effect on any amount paid in respect of your notes on the call payment date. In addition, the cash settlement amount you will receive on the stated maturity date, if any, will be based on the closing level of the underlier on the determination date. Therefore, for example, if the closing level of the underlier dropped precipitously on the determination date, the cash settlement amount for the notes would be significantly less than it would otherwise have been had the cash settlement amount been linked to the closing level of the underlier prior to such drop. Although the actual closing level of the underlier on the call payment date, stated maturity date or at other times during the life of the notes may be higher than the closing level of the underlier on the call observation date or the determination date, you will not benefit from the closing levels of the underlier at any time other than on the call observation date or on the determination date.</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:6pt;text-align:center;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;">You May Lose Your Entire Investment in the Notes</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:6pt;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;">You can lose your entire investment in the notes. Assuming your notes are not automatically called on the call observation date, the cash settlement amount on your notes on the stated maturity date will be based on the performance of the underlier as measured from the initial underlier level set on October 22, 2025 to the closing level on the determination date.  If the final underlier level is </font><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-style:italic;font-kerning:none;min-width:fit-content;">less than</font><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;"> the trigger buffer level, you will have a loss for each $1,000 of the face amount of your notes equal to the </font><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-style:italic;font-kerning:none;min-width:fit-content;">product</font><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;"> of (i) $1,000 </font><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-style:italic;font-kerning:none;min-width:fit-content;">times </font><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;">(ii) the underlier return. Thus, you may lose your entire investment in the notes, which would include any premium to face amount you paid when you purchased the notes.</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:6pt;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;">Also, the market price of your notes prior to the call payment date or the stated maturity date, as the case may be, may be significantly lower than the purchase price you pay for your notes.  Consequently, if you sell your notes before the stated maturity date, you may receive far less than the amount of your investment in the notes.</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:6pt;text-align:center;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;">The Return on Your Notes May Change Significantly Despite Only a Small Change in the Underlier Level</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:6pt;text-align:left;" id="t35"><font id="t33"></font><font id="t34"></font><font id="t36"></font><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;">If the final underlier level is less than the trigger buffer level, you will receive less than the face amount of your notes and you could lose all or a substantial portion of your investment in the notes. This means that while a</font><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;"> </font></p></div>
  <div style="z-index:2;flex-direction:column;display:flex;padding-bottom:0.5in;min-height:1in;justify-content:flex-end;position:relative;box-sizing:border-box;"><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:center;margin-left:0;margin-right:0;"><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;">PS-</font><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;">11</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;margin-left:0;margin-right:0;"><font style="white-space:pre-wrap;font-size:7pt;font-family:Times New Roman;font-kerning:none;min-width:fit-content;">&#160;</font></p></div>
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  <div style="padding-top:0.5in;z-index:2;min-height:1in;position:relative;box-sizing:border-box;"><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:center;margin-left:0;margin-right:0;"><font style="white-space:pre-wrap;font-size:9pt;font-family:Arial;font-kerning:none;min-width:fit-content;">&#160;</font></p></div>
  <div class="main-content-container" style="z-index:5;position:relative;"><p style="font-size:10pt;margin-top:6pt;font-family:Times New Roman;margin-bottom:6pt;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;">decrease in the final unde</font><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;">rlier level </font><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;">to the trigger buffer level will not result in a loss of principal on the notes, a decrease in the final underlier level to less than the trigger buffer level will result in a loss of a significant portion of the face amount of the notes despit</font><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;">e only a small change in the level of the underlier.</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:6pt;text-align:center;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;">The Amount You Will Receive on the Call Payment Date Will Be Capped</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:6pt;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;">Regardless of the closing level of the underlier on the call observation date, the amount in cash you may receive on the call payment date is capped. Even if the closing level of the underlier on the call observation date exceeds the initial underlier level, causing the notes to be automatically called, the amount in cash payable on the call payment date will be capped, and you will not benefit from any increases in the closing level of the underlier above the initial underlier level on the call observation date. If your notes are automatically called on the call observation date, the maximum payment you will receive for each $1,000 face amount of your notes will be $1,080.</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:6pt;text-align:center;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;">Your Notes Are Subject to Automatic Redemption</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:6pt;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;">We will automatically call and redeem all, but not part, of your notes on the call payment date, if the closing level of the underlier on the call observation date is greater than or equal to the initial underlier level. Therefore, the term for your notes may be reduced. You may not be able to reinvest the proceeds from an investment in the notes at a comparable return for a similar level of risk in the event the notes are called prior to maturity. For the avoidance of doubt, if your notes are automatically called, no discounts, commissions or fees described herein will be rebated or reduced.</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:6pt;text-align:center;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;">Your Notes Do Not Bear Interest</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:6pt;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;">You will not receive any interest payments on your notes. As a result, even if the cash settlement amount payable for your notes on the stated maturity date exceeds the face amount of your notes, the overall return you earn on your notes may be less than you would have earned by investing in a non-indexed debt security of comparable maturity that bears interest at a prevailing market rate.</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:6pt;text-align:center;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;">You Have No Shareholder Rights or Rights to Receive Any Underlier Stock</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:6pt;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;">Investing in your notes will not make you a holder of any of the underlier stocks.  Neither you nor any other holder or owner of your notes will have any rights with respect to the underlier stocks, including any voting rights, any rights to receive dividends or other distributions, any rights to make a claim against  the underlier stocks or any other rights of a holder of the underlier stocks.  Your notes will be paid in cash and you will have no right to receive delivery of any underlier stocks.</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:6pt;text-align:center;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;">We May Sell an Additional Aggregate Face Amount of the Notes at a Different Issue Price</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:6pt;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;">At our sole option, we may decide to sell an additional aggregate face amount of the notes subsequent to the date of this pricing supplement. The issue price of the notes in the subsequent sale may differ substantially (higher or lower) from the original issue price you paid as provided on the cover of this pricing supplement.</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:6pt;text-align:center;" id="unpredictablefactors"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;">The Ma</font><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;">rket Value of Your Notes May Be Influenced by Many Unpredictable Factors</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:6pt;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;">When we refer to the market value of your notes, we mean the value that you could receive for your notes if you chose to sell them in the open market before the stated maturity date. A number of factors, many of which are beyond our control, will influence the market value of your notes, including:</font></p><div class="item-list-element-wrapper" style="display:flex;margin-top:0;justify-content:flex-start;align-items:baseline;margin-bottom:6pt;min-width:3.333%;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Times New Roman;font-kerning:none;min-width:3.333%;word-break:keep-all;display:inline-flex;justify-content:flex-start;">&#x2022;</font><div style="display:inline;"><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;">the level of the underlier;</font></div></div><div class="item-list-element-wrapper" style="display:flex;margin-top:0;justify-content:flex-start;align-items:baseline;margin-bottom:6pt;min-width:3.333%;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Times New Roman;font-kerning:none;min-width:3.333%;word-break:keep-all;display:inline-flex;justify-content:flex-start;">&#x2022;</font><div style="display:inline;"><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;">the volatility &#x2013; i.e., the frequency and magnitude of changes &#x2013; in the closing level of the underlier;</font></div></div><div class="item-list-element-wrapper" style="display:flex;margin-top:0;justify-content:flex-start;align-items:baseline;margin-bottom:6pt;min-width:3.333%;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Times New Roman;font-kerning:none;min-width:3.333%;word-break:keep-all;display:inline-flex;justify-content:flex-start;">&#x2022;</font><div style="display:inline;"><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;">the dividend rates of the underlier stocks;</font></div></div><div class="item-list-element-wrapper" style="display:flex;margin-top:0;justify-content:flex-start;align-items:baseline;margin-bottom:6pt;min-width:3.333%;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Times New Roman;font-kerning:none;min-width:3.333%;word-break:keep-all;display:inline-flex;justify-content:flex-start;">&#x2022;</font><div style="display:inline;"><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;">economic, financial, regulatory, political, military, public health and other events that affect stock markets generally and the underlier stocks, and which may affect the closing level of the underlier;</font></div></div><div class="item-list-element-wrapper" style="display:flex;margin-top:0;justify-content:flex-start;align-items:baseline;margin-bottom:6pt;min-width:3.333%;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Times New Roman;font-kerning:none;min-width:3.333%;word-break:keep-all;display:inline-flex;justify-content:flex-start;">&#x2022;</font><div style="display:inline;"><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;">interest rates and yield rates in the market;</font></div></div><div class="item-list-element-wrapper" style="display:flex;margin-top:0;justify-content:flex-start;align-items:baseline;margin-bottom:6pt;min-width:3.333%;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Times New Roman;font-kerning:none;min-width:3.333%;word-break:keep-all;display:inline-flex;justify-content:flex-start;">&#x2022;</font><div style="display:inline;"><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;">the time remaining until your notes mature; and</font></div></div></div>
  <div style="z-index:2;flex-direction:column;display:flex;padding-bottom:0.5in;min-height:1in;justify-content:flex-end;position:relative;box-sizing:border-box;"><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:center;margin-left:0;margin-right:0;"><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;">PS-</font><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;">12</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;margin-left:0;margin-right:0;"><font style="white-space:pre-wrap;font-size:7pt;font-family:Times New Roman;font-kerning:none;min-width:fit-content;">&#160;</font></p></div>
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  <div style="padding-top:0.5in;z-index:2;min-height:1in;position:relative;box-sizing:border-box;"><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:center;margin-left:0;margin-right:0;"><font style="white-space:pre-wrap;font-size:9pt;font-family:Arial;font-kerning:none;min-width:fit-content;">&#160;</font></p></div>
  <div class="main-content-container" style="z-index:5;position:relative;"><div class="item-list-element-wrapper" style="display:flex;margin-top:6pt;justify-content:flex-start;align-items:baseline;margin-bottom:6pt;min-width:3.333%;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Times New Roman;font-kerning:none;min-width:3.333%;word-break:keep-all;display:inline-flex;justify-content:flex-start;">&#x2022;</font><div style="display:inline;"><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;">our creditworthiness and the creditworthiness of The Goldman Sachs Group, Inc., whether actual or perceived, and including actual or anticipated upgrades or downgrades in our credit ratings or the credit ratings of The Goldman Sachs Group, Inc. or changes in other credit measures.</font></div></div><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:6pt;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;">Without limiting the foregoing, the market value of your notes may be negatively impacted by increasing interest rates. Such adverse impact of increasing interest rates could be significantly enhanced in notes with longer-dated maturities, the market values of which are generally more sensitive to increasing interest rates.</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:6pt;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;">These factors may influence the market value of your notes if you sell your notes before maturity, including the price you may receive for your notes in any market making transaction. If you sell your notes prior to maturity, you may receive less than the face amount of your notes. You cannot predict the future performance of the underlier based on its historical performance.</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:6pt;text-align:center;" id="block_riskfactorpremium"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;">If You Purchase Your Notes at a Premium to Face Amount, the Return on Your Investment Will Be Lower Than the Return on Notes Purchased at Face Amount and the Impact of Certain Key Terms of the Notes Will Be Negatively Affected</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:6pt;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;">The amount in cash that you may be paid on your notes on the call payment date or the stated maturity date will not be adjusted based on the issue price you pay for the notes. If you purchase notes at a price that differs from the face amount of the notes, then the return on your investment in such notes held to the call payment date or the stated maturity date will differ from, and may be substantially less than, the return on notes purchased at face amount. If you purchase your notes at a premium to face amount and hold them to the call payment date or the stated maturity date, the return on your investment in the notes will be lower than it would have been had you purchased the notes at face amount or a discount to face amount.</font><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;"> </font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:6pt;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;text-decoration:underline solid;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;">Risks Related to Tax</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:6pt;text-align:center;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;">The Tax Consequences of an Investment in Your Notes Are Uncertain</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:6pt;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;">The tax consequences of an investment in your notes are uncertain, both as to the timing and character of any inclusion in income in respect of your notes.</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:6pt;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;">The Internal Revenue Service announced on December 7, 2007 that it is considering issuing guidance regarding the proper U.S. federal income tax treatment of instruments such as your notes, and any such guidance could adversely affect the tax treatment and the value of your notes. Among other things, the Internal Revenue Service may decide to require the holders to accrue ordinary income on a current basis and recognize ordinary income on payment at maturity, and could subject non-U.S. investors to withholding tax. Furthermore, in 2007, legislation was introduced in Congress that, if enacted, would have required holders that acquired instruments such as your notes after the bill was enacted to accrue interest income over the term of such instruments even though there will be no interest payments over the term of such instruments. It is not possible to predict whether a similar or identical bill will be enacted in the future, or whether any such bill would affect the tax treatment of your notes. We describe these developments in more detail under &#x201c;Supplemental Discussion of U.S. Federal Income Tax Consequences &#x2013; United States Holders &#x2013; Possible Change in Law&#x201d; below. You should consult your tax advisor about this matter. Except to the extent otherwise provided by law, GS Finance Corp. intends to continue treating the notes for U.S. federal income tax purposes in accordance with the treatment described under &#x201c;Supplemental Discussion of U.S. Federal Income Tax Consequences&#x201d; below unless and until such time as Congress, the Treasury Department or the Internal Revenue Service determine that some other treatment is more appropriate. Please also consult your tax advisor concerning the U.S. federal income tax and any other applicable tax consequences to you of owning your notes in your particular circumstances.</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:6pt;text-align:center;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;">Foreign Account Tax Compliance Act (FATCA) Withholding May Apply to Payments on Your Notes, Including as a Result of the Failure of the Bank or Broker Through Which You Hold the Notes to Provide Information to Tax Authorities</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:6pt;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;">Please see the discussion under &#x201c;United States Taxation &#x2014; Taxation of Debt Securities &#x2014; Foreign Account Tax Compliance Act (FATCA) Withholding&#x201d; in the accompanying prospectus for a description of the applicability of FATCA to payments made on your notes.</font><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;"> </font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:10pt;font-family:Times New Roman;font-kerning:none;min-width:fit-content;">&#160;</font></p></div>
  <div style="z-index:2;flex-direction:column;display:flex;padding-bottom:0.5in;min-height:1in;justify-content:flex-end;position:relative;box-sizing:border-box;"><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:center;margin-left:0;margin-right:0;"><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;">PS-</font><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;">13</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;margin-left:0;margin-right:0;"><font style="white-space:pre-wrap;font-size:7pt;font-family:Times New Roman;font-kerning:none;min-width:fit-content;">&#160;</font></p></div>
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  <div style="padding-top:0.5in;z-index:2;min-height:1in;position:relative;box-sizing:border-box;"><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:center;margin-left:0;margin-right:0;"><font style="white-space:pre-wrap;font-size:9pt;font-family:Arial;font-kerning:none;min-width:fit-content;">&#160;</font></p></div>
  <div class="main-content-container" style="z-index:5;position:relative;"><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:center;" id="theunderlier"><font id="block_underlier"></font><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;">THE UNDERLIER</font></p><p style="font-size:10pt;margin-top:5pt;font-family:Times New Roman;margin-bottom:5pt;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;">The S&amp;P 500</font><font style="color:#000000;white-space:pre-wrap;vertical-align:super;font-size:6.7pt;font-family:Arial;font-kerning:none;min-width:fit-content;">&#174;</font><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;"> Index includes a representative sample of 500 companies in leading industries of the U.S. economy and is intended to provide a performance benchmark for the large-cap U.S. equity markets. For more details about the underlier, the underlier sponsor and license agreement between the underlier sponsor and the issuer, see &#x201c;The Underliers &#x2014; S&amp;P 500</font><font style="color:#000000;white-space:pre-wrap;vertical-align:super;font-size:6.7pt;font-family:Arial;font-kerning:none;min-width:fit-content;">&#174;</font><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;"> Index&#x201d; on page S-127 of the accompanying underlier supplement no. 46.</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:5pt;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;">The S&amp;P 500</font><font style="color:#000000;white-space:pre-wrap;vertical-align:super;font-size:5.695pt;font-family:Arial;font-kerning:none;min-width:fit-content;">&#174;</font><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;"> Index is a product of S&amp;P Dow Jones Indices LLC, and has been licensed for use by GS Finance Corp. (&#x201c;Goldman&#x201d;). Standard &amp; Poor&#x2019;s</font><font style="color:#000000;white-space:pre-wrap;vertical-align:super;font-size:5.695pt;font-family:Arial;font-kerning:none;min-width:fit-content;">&#174;</font><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;"> and S&amp;P</font><font style="color:#000000;white-space:pre-wrap;vertical-align:super;font-size:5.695pt;font-family:Arial;font-kerning:none;min-width:fit-content;">&#174;</font><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;"> are registered trademarks of Standard &amp; Poor&#x2019;s Financial Services LLC; Dow Jones</font><font style="color:#000000;white-space:pre-wrap;vertical-align:super;font-size:5.695pt;font-family:Arial;font-kerning:none;min-width:fit-content;">&#174;</font><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;"> is a registered trademark of Dow Jones Trademark Holdings LLC (&#x201c;Dow Jones&#x201d;) and these trademarks have been licensed for use by S&amp;P Dow Jones Indices LLC and sublicensed for certain purposes by Goldman. Goldman&#x2019;s notes are not sponsored, endorsed, sold or promoted by S&amp;P Dow Jones Indices LLC, Dow Jones, Standard &amp; Poor&#x2019;s Financial Services LLC or any of their respective affiliates and neither S&amp;P Dow Jones Indices LLC, Dow Jones, Standard &amp; Poor&#x2019;s Financial Services LLC or any of their respective affiliates make any representation regarding the advisability of investing in such notes.</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:10pt;font-family:Times New Roman;font-kerning:none;min-width:fit-content;">&#160;</font></p></div>
  <div style="z-index:2;flex-direction:column;display:flex;padding-bottom:0.5in;min-height:1in;justify-content:flex-end;position:relative;box-sizing:border-box;"><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:center;margin-left:0;margin-right:0;"><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;">PS-</font><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;">14</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;margin-left:0;margin-right:0;"><font style="white-space:pre-wrap;font-size:7pt;font-family:Times New Roman;font-kerning:none;min-width:fit-content;">&#160;</font></p></div>
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  <div style="padding-top:0.5in;z-index:2;min-height:1in;position:relative;box-sizing:border-box;"><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:center;margin-left:0;margin-right:0;"><font style="white-space:pre-wrap;font-size:9pt;font-family:Arial;font-kerning:none;min-width:fit-content;">&#160;</font></p></div>
  <div class="main-content-container" style="z-index:5;position:relative;"><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:2pt;text-align:center;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;">Historical Closing Levels of the Underlier</font></p><p style="font-size:10pt;margin-top:3pt;font-family:Times New Roman;margin-bottom:5pt;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;">The closing level of the underlier has fluctuated in the past and may, in the future, experience significant fluctuations. </font><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;">In particular, the underlier has recently experienced extreme and unusual volatility.</font><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;"> Any historical upward or downward trend in the closing level of the underlier during the period shown below is not an indication that the underlier is more or less likely to increase or decrease at any time during the life of your notes.</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:5pt;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;">You should not take the historical closing levels of the underlier as an indication of the future performance of the underlier, including because of the recent volatility described above.</font><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;">  We cannot give you any assurance that the future performance of the underlier or the underlier stocks will result in you receiving an amount greater than the outstanding face amount of your notes on the stated maturity date.</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:5pt;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;">Neither we nor any of our affiliates make any representation to you as to the performance of the underlier.  Before investing in the offered notes, you should consult publicly available information to determine the levels of the underlier between the date of this pricing supplement and the date of your purchase of the offered notes</font><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;"> and, given the recent volatility described above, you should pay particular attention to recent levels of the underlier</font><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;">. The actual performance of the underlier over the life of the offered notes, as well as the amount payable on your notes, may bear little relation to the historical levels shown below.</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:5pt;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;">The graph below shows the daily historical closing levels of the underlier from January 1, 2020 through October 21, 2025. As a result, the following graph does not reflect the global financial crisis which began in 2008, which had a materially negative impact on the price of most equity securities and, as a result, the level of most equity indices. We obtained the closing levels in the graph below from Bloomberg Financial Services, without independent verification.</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:5pt;text-align:center;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;">Historical Performance of the S&amp;P 500</font><font style="color:#000000;white-space:pre-wrap;font-weight:bold;vertical-align:super;font-size:6.7pt;font-family:Arial;font-kerning:none;min-width:fit-content;">&#174;</font><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;"> Index</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:5pt;text-align:center;"><img src="img104427678_1.jpg" alt="img104427678_1.jpg" style="width:623px;height:350px;"></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:10pt;font-family:Times New Roman;font-kerning:none;min-width:fit-content;">&#160;</font></p></div>
  <div style="z-index:2;flex-direction:column;display:flex;padding-bottom:0.5in;min-height:1in;justify-content:flex-end;position:relative;box-sizing:border-box;"><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:center;margin-left:0;margin-right:0;"><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;">PS-</font><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;">15</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;margin-left:0;margin-right:0;"><font style="white-space:pre-wrap;font-size:7pt;font-family:Times New Roman;font-kerning:none;min-width:fit-content;">&#160;</font></p></div>
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  <div style="padding-top:0.5in;z-index:2;min-height:1in;position:relative;box-sizing:border-box;"><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:center;margin-left:0;margin-right:0;"><font style="white-space:pre-wrap;font-size:9pt;font-family:Arial;font-kerning:none;min-width:fit-content;">&#160;</font></p></div>
  <div class="main-content-container" style="z-index:5;position:relative;"><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:right;"><font style="white-space:pre-wrap;font-size:10pt;font-family:Times New Roman;font-kerning:none;min-width:fit-content;">&#160;</font></p><p style="font-size:10pt;margin-top:5pt;font-family:Times New Roman;margin-bottom:5pt;text-align:center;" id="block_tax"><font style="text-transform:uppercase;color:#000000;white-space:pre-wrap;font-weight:bold;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;">Supplemental discussion of U.S. federal income tax consequences</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:5pt;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;">The following section supplements the discussion of U.S. federal income taxation in the accompanying prospectus.</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:5pt;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;">The following section is the opinion of Sidley Austin </font><font style="font-variant:small-caps;color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;">llp</font><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;">, counsel to GS Finance Corp. and The Goldman Sachs Group, Inc. In addition, it is the opinion of Sidley Austin </font><font style="font-variant:small-caps;color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;">llp</font><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;"> that the characterization of the notes for U.S. federal income tax purposes that will be required under the terms of the notes, as discussed below, is a reasonable interpretation of current law.</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:5pt;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;">This section does not apply to you if you are a member of a class of holders subject to special rules, such as:</font></p><div class="item-list-element-wrapper" style="display:flex;margin-top:0;justify-content:flex-start;align-items:baseline;margin-bottom:5pt;min-width:3.333%;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Times New Roman;font-kerning:none;min-width:3.333%;word-break:keep-all;display:inline-flex;justify-content:flex-start;">&#x2022;</font><div style="display:inline;"><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;">a dealer in securities or currencies;</font></div></div><div class="item-list-element-wrapper" style="display:flex;margin-top:0;justify-content:flex-start;align-items:baseline;margin-bottom:5pt;min-width:3.333%;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Times New Roman;font-kerning:none;min-width:3.333%;word-break:keep-all;display:inline-flex;justify-content:flex-start;">&#x2022;</font><div style="display:inline;"><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;">a trader in securities that elects to use a mark-to-market method of accounting for your securities holdings;</font></div></div><div class="item-list-element-wrapper" style="display:flex;margin-top:0;justify-content:flex-start;align-items:baseline;margin-bottom:5pt;min-width:3.333%;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Times New Roman;font-kerning:none;min-width:3.333%;word-break:keep-all;display:inline-flex;justify-content:flex-start;">&#x2022;</font><div style="display:inline;"><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;">a bank;</font></div></div><div class="item-list-element-wrapper" style="display:flex;margin-top:0;justify-content:flex-start;align-items:baseline;margin-bottom:5pt;min-width:3.333%;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Times New Roman;font-kerning:none;min-width:3.333%;word-break:keep-all;display:inline-flex;justify-content:flex-start;">&#x2022;</font><div style="display:inline;"><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;">a life insurance company;</font></div></div><div class="item-list-element-wrapper" style="display:flex;margin-top:0;justify-content:flex-start;align-items:baseline;margin-bottom:5pt;min-width:3.333%;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Times New Roman;font-kerning:none;min-width:3.333%;word-break:keep-all;display:inline-flex;justify-content:flex-start;">&#x2022;</font><div style="display:inline;"><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;">a regulated investment company;</font></div></div><div class="item-list-element-wrapper" style="display:flex;margin-top:0;justify-content:flex-start;align-items:baseline;margin-bottom:5pt;min-width:3.333%;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Times New Roman;font-kerning:none;min-width:3.333%;word-break:keep-all;display:inline-flex;justify-content:flex-start;">&#x2022;</font><div style="display:inline;"><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;">an accrual method taxpayer subject to special tax accounting rules as a result of its use of financial statements;</font></div></div><div class="item-list-element-wrapper" style="display:flex;margin-top:0;justify-content:flex-start;align-items:baseline;margin-bottom:5pt;min-width:3.333%;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Times New Roman;font-kerning:none;min-width:3.333%;word-break:keep-all;display:inline-flex;justify-content:flex-start;">&#x2022;</font><div style="display:inline;"><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;">a tax exempt organization;</font></div></div><div class="item-list-element-wrapper" style="display:flex;margin-top:0;justify-content:flex-start;align-items:baseline;margin-bottom:5pt;min-width:3.333%;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Times New Roman;font-kerning:none;min-width:3.333%;word-break:keep-all;display:inline-flex;justify-content:flex-start;">&#x2022;</font><div style="display:inline;"><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;">a partnership;</font></div></div><div class="item-list-element-wrapper" style="display:flex;margin-top:0;justify-content:flex-start;align-items:baseline;margin-bottom:5pt;min-width:3.333%;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Times New Roman;font-kerning:none;min-width:3.333%;word-break:keep-all;display:inline-flex;justify-content:flex-start;">&#x2022;</font><div style="display:inline;"><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;">a person that owns a note as a hedge or that is hedged against interest rate risks;</font></div></div><div class="item-list-element-wrapper" style="display:flex;margin-top:0;justify-content:flex-start;align-items:baseline;margin-bottom:5pt;min-width:3.333%;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Times New Roman;font-kerning:none;min-width:3.333%;word-break:keep-all;display:inline-flex;justify-content:flex-start;">&#x2022;</font><div style="display:inline;"><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;">a person that owns a note as part of a straddle or conversion transaction for tax purposes; or</font></div></div><div class="item-list-element-wrapper" style="display:flex;margin-top:0;justify-content:flex-start;align-items:baseline;margin-bottom:5pt;min-width:3.333%;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Times New Roman;font-kerning:none;min-width:3.333%;word-break:keep-all;display:inline-flex;justify-content:flex-start;">&#x2022;</font><div style="display:inline;"><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;">a United States holder (as defined below) whose functional currency for tax purposes is not the U.S. dollar.</font></div></div><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:5pt;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;">Although this section is based on the U.S. Internal Revenue Code of 1986, as amended, its legislative history, existing and proposed regulations under the Internal Revenue Code, published rulings and court decisions, all as currently in effect, no statutory, judicial or administrative authority directly discusses how your notes should be treated for U.S. federal income tax purposes, and as a result, the U.S. federal income tax consequences of your investment in your notes are uncertain. Moreover, these laws are subject to change, possibly on a retroactive basis.</font><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;"> </font></p>
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     <td style="border-top:0.5pt solid;padding-top:0in;border-right:0.5pt solid;border-left:0.5pt solid;padding-left:0.075in;vertical-align:top;padding-bottom:0in;border-bottom:0.5pt solid;padding-right:0.075in;"><p style="font-size:10pt;margin-top:5pt;font-family:Times New Roman;margin-bottom:5pt;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-family:Arial;font-style:italic;font-kerning:none;min-width:fit-content;">You should consult your tax advisor concerning the U.S. federal income tax and other tax consequences of your investment in the notes, including the application of state, local or other tax laws and the possible effects of changes in federal or other tax laws.</font></p></td>
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   </table><p style="font-size:10pt;margin-top:5pt;font-family:Times New Roman;margin-bottom:5pt;text-align:center;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;">United States Holders</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:5pt;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;">This section applies to you only if you are a United States holder that holds your notes as a capital asset for tax purposes. You are a United States holder if you are a beneficial owner of a note and you are:</font></p><div class="item-list-element-wrapper" style="display:flex;margin-top:0;justify-content:flex-start;align-items:baseline;margin-bottom:5pt;min-width:3.333%;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Times New Roman;font-kerning:none;min-width:3.333%;word-break:keep-all;display:inline-flex;justify-content:flex-start;">&#x2022;</font><div style="display:inline;"><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;">a citizen or resident of the United States;</font></div></div><div class="item-list-element-wrapper" style="display:flex;margin-top:0;justify-content:flex-start;align-items:baseline;margin-bottom:5pt;min-width:3.333%;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Times New Roman;font-kerning:none;min-width:3.333%;word-break:keep-all;display:inline-flex;justify-content:flex-start;">&#x2022;</font><div style="display:inline;"><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;">a domestic corporation;</font></div></div><div class="item-list-element-wrapper" style="display:flex;margin-top:0;justify-content:flex-start;align-items:baseline;margin-bottom:5pt;min-width:3.333%;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Times New Roman;font-kerning:none;min-width:3.333%;word-break:keep-all;display:inline-flex;justify-content:flex-start;">&#x2022;</font><div style="display:inline;"><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;">an estate whose income is subject to U.S. federal income tax regardless of its source; or</font></div></div><div class="item-list-element-wrapper" style="display:flex;margin-top:0;justify-content:flex-start;align-items:baseline;margin-bottom:5pt;min-width:3.333%;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Times New Roman;font-kerning:none;min-width:3.333%;word-break:keep-all;display:inline-flex;justify-content:flex-start;">&#x2022;</font><div style="display:inline;"><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;">a trust if a United States court can exercise primary supervision over the trust&#x2019;s administration and one or more United States persons are authorized to control all substantial decisions of the trust.</font></div></div><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:5pt;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-style:italic;font-kerning:none;min-width:fit-content;">Tax Treatment</font><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;">. You will be obligated pursuant to the terms of the notes &#x2014; in the absence of a change in law, an administrative determination or a judicial ruling to the contrary &#x2014; to characterize your notes for all tax purposes as pre-paid derivative contracts in respect of the underlier. Except as otherwise stated below, the discussion below assumes that the notes will be so treated.</font></p></div>
  <div style="z-index:2;flex-direction:column;display:flex;padding-bottom:0.5in;min-height:1in;justify-content:flex-end;position:relative;box-sizing:border-box;"><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:center;margin-left:0;margin-right:0;"><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;">PS-</font><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;">16</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;margin-left:0;margin-right:0;"><font style="white-space:pre-wrap;font-size:7pt;font-family:Times New Roman;font-kerning:none;min-width:fit-content;">&#160;</font></p></div>
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  <div style="padding-top:0.5in;z-index:2;min-height:1in;position:relative;box-sizing:border-box;"><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:center;margin-left:0;margin-right:0;"><font style="white-space:pre-wrap;font-size:9pt;font-family:Arial;font-kerning:none;min-width:fit-content;">&#160;</font></p></div>
  <div class="main-content-container" style="z-index:5;position:relative;"><p style="font-size:10pt;margin-top:5pt;font-family:Times New Roman;margin-bottom:5pt;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;">Upon the sale, exchange, redemption or maturity of your notes, you should recognize capital gain or loss equal to the difference between the amount realized on the sale, exchange, redemption or maturity and your tax basis in your notes. Your tax basis in your notes will generally be equal to the amount that you paid for the notes. Such capital gain or loss should generally be short-term capital gain or loss if you hold the notes for one year or less, and should be long-term capital gain or loss if you hold the notes for more than one year. Short-term capital gains are generally subject to tax at the marginal tax rates applicable to ordinary income.</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:5pt;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;">No statutory, judicial or administrative authority directly discusses how your notes should be treated for U.S. federal income tax purposes. As a result, the U.S. federal income tax consequences of your investment in the notes are uncertain and alternative characterizations are possible. Accordingly, we urge you to consult your tax advisor in determining the tax consequences of an investment in your notes in your particular circumstances, including the application of state, local or other tax laws and the possible effects of changes in federal or other tax laws.</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:5pt;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-style:italic;font-kerning:none;min-width:fit-content;">Alternative Treatments.  </font><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;">There is no judicial or administrative authority discussing how your notes should be treated for U.S. federal income tax purposes. Therefore, the Internal Revenue Service might assert that a treatment other than that described above is more appropriate. For example, the Internal Revenue Service could treat your notes as a single debt instrument subject to special rules governing contingent payment debt instruments.</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:5pt;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;">Under those rules, the amount of interest you are required to take into account for each accrual period would be determined by constructing a projected payment schedule for the notes and applying rules similar to those for accruing original issue discount on a hypothetical noncontingent debt instrument with that projected payment schedule. This method is applied by first determining the comparable yield &#x2014; i.e., the yield at which we would issue a noncontingent fixed rate debt instrument with terms and conditions similar to your notes &#x2014; and then determining a payment schedule as of the applicable original issue date that would produce the comparable yield. These rules may have the effect of requiring you to include interest in income in respect of your notes prior to your receipt of cash attributable to that income.</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:5pt;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;">If the rules governing contingent payment debt instruments apply, any gain you recognize upon the sale, exchange, redemption or maturity of your notes would be treated as ordinary interest income. Any loss you recognize at that time would be treated as ordinary loss to the extent of interest you included as income in the current or previous taxable years in respect of your notes, and, thereafter, as capital loss.</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:5pt;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;">If the rules governing contingent payment debt instruments apply, special rules would apply to persons who purchase a note at other than the adjusted issue price as determined for tax purposes.</font><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;"> </font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:5pt;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;">It is also possible that your notes could be treated in the manner described above, except that any gain or loss that you recognize at maturity or upon redemption would be treated as ordinary gain or loss. You should consult your tax advisor as to the tax consequences of such characterization and any possible alternative characterizations of your notes for U.S. federal income tax purposes.</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:5pt;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;">It is possible that the Internal Revenue Service could seek to characterize your notes in a manner that results in tax consequences to you that are different from those described above. You should consult your tax advisor as to the tax consequences of any possible alternative characterizations of your notes for U.S. federal income tax purposes.</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:5pt;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:10pt;font-family:Arial;font-style:italic;font-kerning:none;min-width:fit-content;">Possible Change in Law</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:5pt;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;">In 2007, legislation was introduced in Congress that, if enacted, would have required holders that acquired instruments such as your notes after the bill was enacted to accrue interest income over the term of such instruments even though there will be no interest payments over the term of such instruments. It is not possible to predict whether a similar or identical bill will be enacted in the future, or whether any such bill would affect the tax treatment of your notes.</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:5pt;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;">In addition, on December 7, 2007, the Internal Revenue Service released a notice stating that the Internal Revenue Service and the Treasury Department are actively considering issuing guidance regarding the proper U.S. federal income tax treatment of an instrument such as the offered notes, including whether holders should be required to accrue ordinary income on a current basis and whether gain or loss should be ordinary or capital. It is not possible to determine what guidance they will ultimately issue, if any. It is possible, however, that under such guidance, holders of the notes will ultimately be required to accrue income currently and this could be applied on a retroactive basis. The Internal Revenue Service and the Treasury Department are also considering other</font><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;"> </font></p></div>
  <div style="z-index:2;flex-direction:column;display:flex;padding-bottom:0.5in;min-height:1in;justify-content:flex-end;position:relative;box-sizing:border-box;"><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:center;margin-left:0;margin-right:0;"><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;">PS-</font><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;">17</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;margin-left:0;margin-right:0;"><font style="white-space:pre-wrap;font-size:7pt;font-family:Times New Roman;font-kerning:none;min-width:fit-content;">&#160;</font></p></div>
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  <div style="padding-top:0.5in;z-index:2;min-height:1in;position:relative;box-sizing:border-box;"><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:center;margin-left:0;margin-right:0;"><font style="white-space:pre-wrap;font-size:9pt;font-family:Arial;font-kerning:none;min-width:fit-content;">&#160;</font></p></div>
  <div class="main-content-container" style="z-index:5;position:relative;"><p style="font-size:10pt;margin-top:5pt;font-family:Times New Roman;margin-bottom:5pt;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;">relevant issues, including whether foreign holders of such instruments should be subject to withholding tax on any deemed income accruals and whether the special &#x201c;constructive ownership rules&#x201d; of Section 1260 of the Internal Revenue Code might be applied to such instruments. Except to the extent otherwise provided by law, GS Finance Corp. intends to continue treating the notes for U.S. federal income tax purposes in accordance with the treatment described above unless and until such time as Congress, the Treasury Department or the Internal Revenue Service determine that some other treatment is more appropriate.</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:5pt;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;">It is impossible to predict what any such legislation or administrative or regulatory guidance might provide, and whether the effective date of any legislation or guidance will affect notes that were issued before the date that such legislation or guidance is issued. You are urged to consult your tax advisor as to the possibility that any legislative or administrative action may adversely affect the tax treatment of your notes.</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:5pt;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:10pt;font-family:Arial;font-style:italic;font-kerning:none;min-width:fit-content;">Backup Withholding and Information Reporting</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:5pt;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;">You will be subject to generally applicable information reporting and backup withholding requirements as discussed in the accompanying prospectus under &#x201c;United States Taxation &#x2014; Taxation of Debt Securities &#x2014; Backup Withholding and Information Reporting &#x2014; United States Holders&#x201d; with respect to payments on your notes and, notwithstanding that we do not intend to treat the notes as debt for tax purposes, we intend to backup withhold on such payments with respect to your notes unless you comply with the requirements necessary to avoid backup withholding on debt instruments (in which case you will not be subject to such backup withholding) as set forth under &#x201c;United States Taxation &#x2014; Taxation of Debt Securities &#x2014; United States Holders&#x201d; in the accompanying prospectus. Please see the discussion under &#x201c;United States Taxation &#x2014; Taxation of Debt Securities &#x2014; Backup Withholding and Information Reporting&#x2014;United States Holders&#x201d; in the accompanying prospectus for a description of the applicability of the backup withholding and information reporting rules to payments made on your notes.</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:5pt;text-align:center;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;">Non-United States Holders</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:5pt;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;">This section applies to you only if you are a non-United States holder. You are a non-United States holder if you are the beneficial owner of the notes and are, for U.S. federal income tax purposes:</font></p><div class="item-list-element-wrapper" style="margin-left:0.796%;display:flex;margin-top:0;justify-content:flex-start;align-items:baseline;margin-bottom:5pt;min-width:2.537%;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Times New Roman;font-kerning:none;min-width:2.557356558203298%;word-break:keep-all;display:inline-flex;justify-content:flex-start;">&#x2022;</font><div style="display:inline;"><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;">a nonresident alien individual;</font></div></div><div class="item-list-element-wrapper" style="margin-left:0.796%;display:flex;margin-top:0;justify-content:flex-start;align-items:baseline;margin-bottom:5pt;min-width:2.537%;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Times New Roman;font-kerning:none;min-width:2.557356558203298%;word-break:keep-all;display:inline-flex;justify-content:flex-start;">&#x2022;</font><div style="display:inline;"><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;">a foreign corporation; or</font></div></div><div class="item-list-element-wrapper" style="margin-left:0.796%;display:flex;margin-top:0;justify-content:flex-start;align-items:baseline;margin-bottom:5pt;min-width:2.537%;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Times New Roman;font-kerning:none;min-width:2.557356558203298%;word-break:keep-all;display:inline-flex;justify-content:flex-start;">&#x2022;</font><div style="display:inline;"><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;">an estate or trust that in either case is not subject to U.S. federal income tax on a net income basis on income or gain from the notes.</font></div></div><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:5pt;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;">You will be subject to generally applicable information reporting and backup withholding requirements as discussed in the accompanying prospectus under &#x201c;United States Taxation &#x2014; Taxation of Debt Securities &#x2014; Backup Withholding and Information Reporting &#x2014; Non-United States Holders&#x201d; with respect to payments on your notes and, notwithstanding that we do not intend to treat the notes as debt for tax purposes, we intend to backup withhold on such payments with respect to your notes unless you comply with the requirements necessary to avoid backup withholding on debt instruments (in which case you will not be subject to such backup withholding) as set forth under &#x201c;United States Taxation &#x2013; Taxation of Debt Securities &#x2013; Non-United States Holders&#x201d; in the accompanying prospectus.</font><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;"> </font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:5pt;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;">Furthermore, on December 7, 2007, the Internal Revenue Service released Notice 2008-2 soliciting comments from the public on various issues, including whether instruments such as your notes should be subject to withholding. It is therefore possible that rules will be issued in the future, possibly with retroactive effect, that would cause payments on your notes to be subject to withholding, even if you comply with certification requirements as to your foreign status.</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:5pt;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;">As discussed above, alternative characterizations of the notes for U.S. federal income tax purposes are possible. Should an alternative characterization of the notes, by reason of a change or clarification of the law, by regulation or otherwise, cause payments with respect to the notes to become subject to withholding tax, we will withhold tax at the applicable statutory rate and we will not make payments of any additional amounts. Prospective non-United States holders of the notes should consult their tax advisors in this regard.</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:5pt;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;">In addition, the Treasury Department has issued regulations under which amounts paid or deemed paid on certain financial instruments (&#x201c;871(m) financial instruments&#x201d;) that are treated as attributable to U.S.-source dividends could be treated, in whole or in part depending on the circumstances, as a &#x201c;dividend equivalent&#x201d; payment that is</font><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;"> </font></p></div>
  <div style="z-index:2;flex-direction:column;display:flex;padding-bottom:0.5in;min-height:1in;justify-content:flex-end;position:relative;box-sizing:border-box;"><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:center;margin-left:0;margin-right:0;"><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;">PS-</font><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;">18</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;margin-left:0;margin-right:0;"><font style="white-space:pre-wrap;font-size:7pt;font-family:Times New Roman;font-kerning:none;min-width:fit-content;">&#160;</font></p></div>
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  <div style="padding-top:0.5in;z-index:2;min-height:1in;position:relative;box-sizing:border-box;"><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:center;margin-left:0;margin-right:0;"><font style="white-space:pre-wrap;font-size:9pt;font-family:Arial;font-kerning:none;min-width:fit-content;">&#160;</font></p></div>
  <div class="main-content-container" style="z-index:5;position:relative;"><p style="font-size:10pt;margin-top:5pt;font-family:Times New Roman;margin-bottom:5pt;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;">subject to tax at a rate of 30% (or a lower rate under an applicable treaty), which in the case of any amounts a non-United States holder receives upon the sale, exchange, redemption or maturity of the notes, could be collected via withholding. If these regulations were to apply to the notes, we may be required to withhold such taxes if any U.S.-source dividends are paid on the stocks included in the underlier during the term of the notes. We could also require a non-United States holder to make certifications (e.g., an applicable Internal Revenue Service Form W-8) prior to the</font><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;"> </font><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;">maturity of the notes in order to avoid or minimize withholding obligations, and we could withhold accordingly (subject to the non-United States holder&#x2019;s potential right to claim a refund from the Internal Revenue Service) if such certifications were not received or were not satisfactory. If withholding was required, we would not be required to pay any additional amounts with respect to amounts so withheld. These regulations generally will apply to 871(m) financial instruments (or a combination of financial instruments treated as having been entered into in connection with each other) issued (or significantly modified and treated as retired and reissued) on or after January 1, 2027, but will also apply to certain 871(m) financial instruments (or a combination of financial instruments treated as having been entered into in connection with each other) that have a delta (as defined in the applicable Treasury regulations) of one and are issued (or significantly modified and treated as retired and reissued) on or after January 1, 2017. In addition, these regulations will not apply to financial instruments that reference a &#x201c;qualified index&#x201d; (as defined in the regulations). We have determined that, as of the issue date of your notes, your notes will not be subject to withholding under these rules. In certain limited circumstances, however, you should be aware that it is possible for non-United States holders to be liable for tax under these rules with respect to a combination of transactions treated as having been entered into in connection with each other even when no withholding is required. You should consult your tax advisor concerning these regulations, subsequent official guidance and regarding any other possible alternative characterizations of your notes for U.S. federal income tax purposes.</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:5pt;text-align:center;"><font style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;">Foreign Account Tax Compliance Act (FATCA) Withholding</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:5pt;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;">Pursuant to Treasury regulations, Foreign Account Tax Compliance Act (FATCA) withholding (as described in &#x201c;United States Taxation&#x2014;Taxation of Debt Securities&#x2014;Foreign Account Tax Compliance Act (FATCA) Withholding&#x201d; in the accompanying prospectus) will generally apply to obligations that are issued on or after July 1, 2014; therefore, the notes will generally be subject to the FATCA withholding rules.</font><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;"> </font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:10pt;font-family:Times New Roman;font-kerning:none;min-width:fit-content;">&#160;</font></p></div>
  <div style="z-index:2;flex-direction:column;display:flex;padding-bottom:0.5in;min-height:1in;justify-content:flex-end;position:relative;box-sizing:border-box;"><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:center;margin-left:0;margin-right:0;"><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;">PS-</font><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;">19</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;margin-left:0;margin-right:0;"><font style="white-space:pre-wrap;font-size:7pt;font-family:Times New Roman;font-kerning:none;min-width:fit-content;">&#160;</font></p></div>
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  <div style="padding-top:0.5in;z-index:2;min-height:1in;position:relative;box-sizing:border-box;"><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:center;margin-left:0;margin-right:0;"><font style="white-space:pre-wrap;font-size:9pt;font-family:Arial;font-kerning:none;min-width:fit-content;">&#160;</font></p></div>
  <div class="main-content-container" style="z-index:5;position:relative;"><p style="font-size:10pt;margin-top:6pt;font-family:Times New Roman;margin-bottom:6pt;text-align:center;" id="conflicts"><font id="block_planofdistro"></font><font id="t1"></font><font style="text-transform:uppercase;color:#000000;white-space:pre-wrap;font-weight:bold;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;">Supplemental plan of distribution; conflicts of interest</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:6pt;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;">See &#x201c;Supplemental Plan of Distribution&#x201d; on page S-51 of the accompanying general terms supplement no. 17,744 and &#x201c;Plan of Distribution &#x2014; Conflicts of Interest&#x201d; on page 127 of the accompanying prospectus. GS Finance Corp. estimates that its share of the total offering expenses, excluding underwriting discounts and commissions, will be approximately $           .</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:6pt;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;">GS Finance Corp. will sell to GS&amp;Co., and GS&amp;Co. will purchase from GS Finance Corp., the aggregate face amount of the offered notes specified on the front cover of this pricing supplement.  GS&amp;Co. proposes initially to offer the notes to the public at the original issue price set forth on the cover page of this pricing supplement, and to certain securities dealers at such price less a concession not in excess of 2.25% of the face amount. GS&amp;Co. is an affiliate of GS Finance Corp. and The Goldman Sachs Group, Inc. and, as such, will have a &#x201c;conflict of interest&#x201d; in this offering of notes within the meaning of Financial Industry Regulatory Authority, Inc. (FINRA) Rule 5121. Consequently, this offering of notes will be conducted in compliance with the provisions of FINRA Rule 5121. GS&amp;Co. will not be permitted to sell notes in this offering to an account over which it exercises discretionary authority without the prior specific written approval of the account holder. We have been advised that GS&amp;Co. will also pay a fee to iCapital Markets LLC, a broker-dealer in which an affiliate of GS Finance Corp. holds an indirect minority equity interest, for services it is providing in connection with this offering.</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:6pt;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;">We expect to deliver the notes against payment therefor in New York, New York on October 29, 2025. Under Rule 15c6-1 of the Securities Exchange Act of 1934, trades in the secondary market generally are required to settle in one business day, unless the parties to any such trade expressly agree otherwise. Accordingly, purchasers who wish to trade notes on any date prior to one business day before delivery will be required to specify alternative settlement arrangements to prevent a failed settlement.</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:6pt;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;">We have been advised by GS&amp;Co. that it intends to make a market in the notes. However, neither GS&amp;Co. nor any of our other affiliates that makes a market is obligated to do so and any of them may stop doing so at any time without notice. No assurance can be given as to the liquidity or trading market for the notes.</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:6pt;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;">The notes will not be listed on any securities exchange or interdealer quotation system.</font><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;"> </font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><font style="white-space:pre-wrap;font-size:10pt;font-family:Times New Roman;font-kerning:none;min-width:fit-content;">&#160;</font></p></div>
  <div style="z-index:2;flex-direction:column;display:flex;padding-bottom:0.5in;min-height:1in;justify-content:flex-end;position:relative;box-sizing:border-box;"><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:center;margin-left:0;margin-right:0;"><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;">PS-</font><font style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;">20</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;margin-left:0;margin-right:0;"><font style="white-space:pre-wrap;font-size:7pt;font-family:Times New Roman;font-kerning:none;min-width:fit-content;">&#160;</font></p></div>
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  <div style="padding-top:0.5in;z-index:2;min-height:1in;position:relative;box-sizing:border-box;"><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:center;margin-left:0;margin-right:0;"><font style="white-space:pre-wrap;font-size:9pt;font-family:Arial;font-kerning:none;min-width:fit-content;">&#160;</font></p></div>
  <div class="main-content-container" style="z-index:5;position:relative;"><p style="font-size:10pt;margin-top:5pt;font-family:Times New Roman;margin-bottom:5pt;text-align:left;"><font style="color:#000000;white-space:pre-wrap;font-size:9pt;font-family:Arial;font-kerning:none;min-width:fit-content;">We have not authorized anyone to provide any information or to make any representations other than those contained or incorporated by reference in this pricing supplement, the accompanying general terms supplement no. 17,744, the accompanying underlier supplement no. 46, the accompanying prospectus supplement or the accompanying prospectus.  We take no responsibility for, and can provide no assurance as to the reliability of, any other information that others may give you.  This pricing supplement, the accompanying general terms supplement no. 17,744, the accompanying underlier supplement no. 46, the accompanying prospectus supplement and the accompanying prospectus is an offer to sell only the notes offered hereby, but only under circumstances and in jurisdictions where it is lawful to do so.  The information contained in this pricing supplement, the accompanying general terms supplement no. 17,744, the accompanying underlier supplement no. 46, the accompanying prospectus supplement and the accompanying prospectus is current only as of the respective dates of such documents.</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:center;"><font style="white-space:pre-wrap;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;">&#160;</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:center;"><font style="white-space:pre-wrap;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;">&#160;</font></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:center;"><font style="white-space:pre-wrap;font-size:10pt;font-family:Arial;font-kerning:none;min-width:fit-content;">&#160;</font></p><p 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end
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
