<SEC-DOCUMENT>0001104659-25-056878.txt : 20250605
<SEC-HEADER>0001104659-25-056878.hdr.sgml : 20250605
<ACCEPTANCE-DATETIME>20250605164421
ACCESSION NUMBER:		0001104659-25-056878
CONFORMED SUBMISSION TYPE:	FWP
PUBLIC DOCUMENT COUNT:		2
FILED AS OF DATE:		20250605
DATE AS OF CHANGE:		20250605

SUBJECT COMPANY:	

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			FIRST INTERSTATE BANCSYSTEM INC
		CENTRAL INDEX KEY:			0000860413
		STANDARD INDUSTRIAL CLASSIFICATION:	STATE COMMERCIAL BANKS [6022]
		ORGANIZATION NAME:           	02 Finance
		EIN:				810331430
		STATE OF INCORPORATION:			DE
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		FWP
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	333-272215
		FILM NUMBER:		251027742

	BUSINESS ADDRESS:	
		STREET 1:		401 NO 31ST STREET
		CITY:			BILLINGS
		STATE:			MT
		ZIP:			59101
		BUSINESS PHONE:		4062555311

	MAIL ADDRESS:	
		STREET 1:		401 NO 31ST STREET
		CITY:			BILLINGS
		STATE:			MT
		ZIP:			59101

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	FIRST INTERSTATE BANCSYSTEM OF MONTANA INC
		DATE OF NAME CHANGE:	19930615

FILED BY:		

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			FIRST INTERSTATE BANCSYSTEM INC
		CENTRAL INDEX KEY:			0000860413
		STANDARD INDUSTRIAL CLASSIFICATION:	STATE COMMERCIAL BANKS [6022]
		ORGANIZATION NAME:           	02 Finance
		EIN:				810331430
		STATE OF INCORPORATION:			DE
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		FWP

	BUSINESS ADDRESS:	
		STREET 1:		401 NO 31ST STREET
		CITY:			BILLINGS
		STATE:			MT
		ZIP:			59101
		BUSINESS PHONE:		4062555311

	MAIL ADDRESS:	
		STREET 1:		401 NO 31ST STREET
		CITY:			BILLINGS
		STATE:			MT
		ZIP:			59101

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	FIRST INTERSTATE BANCSYSTEM OF MONTANA INC
		DATE OF NAME CHANGE:	19930615
</SEC-HEADER>
<DOCUMENT>
<TYPE>FWP
<SEQUENCE>1
<FILENAME>tm258437d6_fwp.htm
<DESCRIPTION>FWP
<TEXT>
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<P STYLE="margin: 0">&nbsp;</P>

<P STYLE="margin: 0; text-align: right"><B>Free Writing Prospectus</B></P>

<P STYLE="margin: 0; text-align: right"><B>Filed pursuant to Rule 433</B></P>

<P STYLE="margin: 0; text-align: right"><B>Supplementing the Preliminary</B></P>

<P STYLE="margin: 0; text-align: right"><B>Prospectus Supplement, dated June 5, 2025</B></P>

<P STYLE="margin: 0; text-align: right"><B>Registration No. 333-272215</B></P>

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

<P STYLE="text-align: center; margin-top: 0; margin-bottom: 0"><IMG SRC="tm258437d6_fwpimg001.jpg" ALT="">&nbsp;&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>$125,000,000</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>7.625%&nbsp;Fixed-to-Floating&nbsp;Rate Subordinated
Notes due 2035</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><U>Term Sheet</U></P>

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 38%; padding-left: 12pt; font-size: 10pt; text-align: justify; text-indent: -12pt"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>Issuer:</B></FONT></TD>
    <TD STYLE="width: 62%; font-size: 10pt; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">First Interstate BancSystem, Inc. (NASDAQ: FIBK) (the &ldquo;<I>Company</I>&rdquo; or &ldquo;<I>Issuer</I>&rdquo;)</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="font-size: 10pt; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>Securities:</B></FONT></TD>
    <TD STYLE="font-size: 10pt; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">7.625%&nbsp;Fixed-to-Floating&nbsp;Rate Subordinated Notes due 2035 (the &ldquo;<I>Notes</I>&rdquo;)</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="font-size: 10pt; text-align: justify">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; text-align: justify">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="font-size: 10pt; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>Aggregate Principal Amount:</B></FONT></TD>
    <TD STYLE="font-size: 10pt; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">$125,000,000</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="font-size: 10pt; text-align: justify">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; text-align: center">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 12pt; font-size: 10pt; text-align: justify; text-indent: -12pt"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>Expected Ratings*:</B></FONT></TD>
    <TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">BBB (stable) Kroll Bond Rating Agency, Inc.</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 12pt; font-size: 10pt; text-indent: -12pt"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>Trade Date:</B></FONT></TD>
    <TD STYLE="font-size: 10pt; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">June 5, 2025</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 12pt; font-size: 10pt; text-align: justify; text-indent: -12pt"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>Settlement Date:</B></FONT></TD>
    <TD STYLE="text-align: justify">June 10, 2025 (T+3)** &nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 12pt; font-size: 10pt; text-align: justify; text-indent: -12pt"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>Maturity Date (if not previously redeemed):</B></FONT></TD>
    <TD STYLE="font-size: 10pt; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">June&nbsp;15, 2035</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 12pt; font-size: 10pt; text-align: justify; text-indent: -12pt"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>Coupon:</B></FONT></TD>
    <TD>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">From and including the Settlement Date to, but
    excluding, June 15, 2030 or the date of earlier redemption (the &ldquo;<I>fixed rate period</I>&rdquo;), a fixed rate of 7.625%&nbsp;per
    annum, payable semi-annually in arrears.</P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">From and including June 15, 2030 to, but
excluding, the Maturity Date or the date of earlier redemption (the &ldquo;<I>floating rate period</I>&rdquo;), a floating rate per annum
equal to the Benchmark rate (which is expected to be Three-Month Term SOFR) (each as defined under &ldquo;Description of the Notes&mdash;Interest&rdquo;
in the Preliminary Prospectus Supplement), plus a spread of 398 basis points, payable quarterly in arrears; <I>provided</I>, that if
the Benchmark rate is less than zero, then the Benchmark rate shall be deemed to be zero.</P></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 12pt; font-size: 10pt; text-align: justify; text-indent: -12pt"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>Interest Payment Dates:</B></FONT></TD>
    <TD>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Fixed rate period: June&nbsp;15 and December&nbsp;15
    of each year, commencing on December&nbsp;15, 2025. The last interest payment date for the fixed rate period will be June&nbsp;15, 2030.</P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Floating rate period: March&nbsp;15, June&nbsp;15,
    September&nbsp;15 and December&nbsp;15 of each year, commencing on September&nbsp;15, 2030.</P></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 12pt; font-size: 10pt; text-align: justify; text-indent: -12pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; text-align: justify">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 12pt; font-size: 10pt; text-align: justify; text-indent: -12pt"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>Record Dates:</B></FONT></TD>
    <TD STYLE="font-size: 10pt; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">The 15<SUP>th</SUP>&nbsp;calendar day of the month immediately preceding the applicable interest payment date.</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 12pt; font-size: 10pt; text-align: justify; text-indent: -12pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; text-align: justify">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 12pt; font-size: 10pt; text-align: justify; text-indent: -12pt"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>Day Count Convention:</B></FONT></TD>
    <TD>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Fixed rate period: 30/360.</P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Floating rate period:&nbsp;360-day&nbsp;year and
    the number of days actually elapsed.</P></TD></TR>
  </TABLE>

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

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

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 38%; padding-left: 12pt; font-size: 10pt; text-align: justify; text-indent: -12pt"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>Optional Redemption:</B></FONT></TD>
    <TD STYLE="width: 62%; font-size: 10pt; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">The Company may, at its option, beginning with the interest payment date of June 15, 2030, and on any interest payment date thereafter, redeem the Notes, in whole or in part, from time to time, subject to obtaining the prior approval of the Board of Governors of the Federal Reserve System (the &ldquo;<I>Federal Reserve Board</I>&rdquo;) to the extent such approval is then required under the rules of the Federal Reserve Board, at a redemption price equal to 100% of the principal amount of the Notes being redeemed, plus accrued and unpaid interest to, but excluding, the date of redemption (as described in the Preliminary Prospectus Supplement under &ldquo;Description of the Notes&mdash; Redemption&rdquo;). Notice of such optional redemption shall be given not less than 10 nor more than 60 days prior to the redemption date.</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 12pt; font-size: 10pt; text-align: justify; text-indent: -12pt"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>Special Redemption:</B></FONT></TD>
    <TD STYLE="font-size: 10pt; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">The Company may redeem the Notes at any time prior to the Maturity Date, including prior to June&nbsp;15, 2030, in whole, but not in part, subject to obtaining the prior approval of the Federal Reserve Board to the extent such approval is then required under the rules of the Federal Reserve Board, upon the occurrence of (i)&nbsp;a &ldquo;Tax Event&rdquo;, (ii) a &ldquo;Tier 2 Capital Event&rdquo;, or (iii)&nbsp;the Company becoming required to register as an investment company pursuant to the Investment Company Act of 1940, as amended, in each case, at a redemption price equal to 100% of the principal amount of the Notes to be redeemed, plus accrued and unpaid interest to, but excluding, the date of redemption (as described in the Preliminary Prospectus Supplement under &ldquo;Description of the Notes&mdash;Redemption&rdquo;).</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 12pt; font-size: 10pt; text-align: justify; text-indent: -12pt"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>Denominations:</B></FONT></TD>
    <TD STYLE="padding-bottom: 5pt; font-size: 10pt; text-align: justify">$1,000 minimum denominations and $1,000 integral multiples in excess thereof.</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 12pt; font-size: 10pt; text-align: justify; text-indent: -12pt"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>Use of Proceeds:</B></FONT></TD>
    <TD STYLE="font-size: 10pt; text-align: justify">The Company anticipates using the net proceeds from this offering to redeem its outstanding 5.25% Fixed-to-Floating Rate Subordinated Notes due 2030 (the&nbsp;&ldquo;<I>2020 Subordinated Notes</I>&rdquo;) on August 15, 2025, and any remaining proceeds for general corporate purposes <FONT STYLE="font-family: Times New Roman, Times, Serif">(as described in the Preliminary Prospectus Supplement under &ldquo;Use of Proceeds&rdquo;)</FONT>.***</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 12pt; font-size: 10pt; text-align: justify; text-indent: -12pt"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>Price to Public:</B></FONT></TD>
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-size: 10pt">100% of aggregate principal amount of the Notes.</FONT></TD></TR>
  </TABLE>

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 38%; padding-left: 12pt; font-size: 10pt; text-align: justify; text-indent: -12pt"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>Ranking:</B></FONT></TD>
    <TD STYLE="width: 62%">
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">The Notes will be general unsecured, subordinated
    obligations of the Company and will:</P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&#8239;
    </FONT><FONT STYLE="font-family: Times New Roman, Times, Serif">rank junior in right of payment and upon the Company&rsquo;s liquidation
    to any of the Company&rsquo;s existing and all future senior indebtedness (as described under &ldquo;Description of the Notes&mdash;Ranking;
    Subordination), whether secured or unsecured;</FONT></P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: -0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;
    </FONT><FONT STYLE="font-family: Times New Roman, Times, Serif">rank equal in right of payment and upon the Company&rsquo;s liquidation
    with any of the Company&rsquo;s existing and future subordinated indebtedness the terms of which provide that such indebtedness ranks
    equally with</FONT> the Notes, including the existing 2020 Subordinated Notes<FONT STYLE="font-family: Times New Roman, Times, Serif">;</FONT></P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: -0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&#8239;
    </FONT><FONT STYLE="font-family: Times New Roman, Times, Serif">rank senior in right of payment and upon the Company&rsquo;s liquidation
    with any of the Company&rsquo;s existing and future junior indebtedness the terms of which provide that such indebtedness ranks junior
    in right of payment to the Notes, including the Company&rsquo;s existing $163.1 million of junior subordinated debt securities; </FONT></P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: -0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&#8239;
    </FONT><FONT STYLE="font-family: Times New Roman, Times, Serif">&#8202;</FONT>be effectively subordinated to <FONT STYLE="font-family: Times New Roman, Times, Serif">the
    Company&rsquo;s </FONT>future secured indebtedness to the extent of the value of the collateral securing such indebtedness; and</P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: -0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;&#8239;&#8239;&#8239;
</FONT>structurally subordinated to the existing and future liabilities and obligations of <FONT STYLE="font-family: Times New Roman, Times, Serif">the
Company&rsquo;s </FONT>subsidiaries, including without limitation the Bank&rsquo;s depositors, liabilities to general creditors and liabilities
arising in the ordinary course of business or otherwise<FONT STYLE="font-family: Times New Roman, Times, Serif">.</FONT></P></TD></TR>
</TABLE>

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

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

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<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="font-size: 10pt; text-align: justify; width: 38%">&nbsp;</TD>
    <TD STYLE="text-align: justify; width: 62%">As of March 31, 2025, on a consolidated basis,
    the Company&rsquo;s consolidated outstanding indebtedness and other liabilities totaled approximately $24.9&nbsp;billion, which includes
    approximately $22.7 billion of deposit liabilities, $163.1&nbsp;million of junior subordinated debentures issued by the Company, $528.0&nbsp;million
    of securities sold under repurchase agreements, $130.2 million of long-term debt, and $1.0 billion of other borrowed funds consisting
    of variable-rate, overnight and fixed-rate borrowings through Federal Home Loan Bank. Except for the approximately $163.1 million of junior
    subordinated debentures issued by the Company (which rank junior in right of payment and upon liquidation to the Notes) and approximately
    $100 million of 2020 Subordinated Notes issued by the Company (which rank equal in right of payment and upon liquidation to the Notes),
    all of these liabilities are contractually or structurally senior to the Notes.</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="font-size: 10pt; text-align: justify">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="font-size: 10pt; text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">The indenture does not limit the amount of additional
    indebtedness the Company or its subsidiaries may incur.</TD></TR>
  </TABLE>
<P STYLE="margin-top: 0; margin-bottom: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
<TD STYLE="width: 38%"><B>CUSIP / ISIN:</B> <B>&nbsp;</B></TD>
<TD STYLE="font-size: 10pt; text-align: justify; width: 62%">32055YAB8 <FONT STYLE="font-family: Times New Roman, Times, Serif">/ </FONT>US32055YAB83</TD></TR>
<TR STYLE="vertical-align: top">
<TD>&nbsp;</TD>
<TD STYLE="font-size: 10pt; text-align: justify">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="font-size: 10pt; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>Joint Book-Running Managers:</B></FONT></TD>
<TD>Keefe, Bruyette &amp; Woods, <I>A Stifel Company</I> &nbsp;</TD></TR>
</TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in">*</TD><TD STYLE="text-align: justify">A rating is not a recommendation to buy, sell or hold securities. Ratings may be subject to revision or
withdrawal at any time by the assigning rating organization. Each rating should be evaluated independently of any other rating. Any such
designation is provided for informational purposes only and (a)&nbsp;does not constitute an endorsement of any securities, product or
project; (b)&nbsp;does not constitute investment or financial advice; and (c)&nbsp;does not represent any type of credit or securities
rating or an assessment of the issuer&rsquo;s economic performance, financial obligations nor of its creditworthiness.</TD></TR>
<TR STYLE="vertical-align: top">
<TD>&nbsp;</TD><TD STYLE="text-align: justify">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
<TD>**</TD><TD STYLE="text-align: justify">The Issuer expects that delivery of the Notes will be made against payment therefor on or about the Settlement
Date indicated above, which will be the third business day following the date of pricing of the Notes (this settlement cycle being referred
to as &ldquo;T+3&rdquo;). Under Rule&nbsp;15c6-1&nbsp;of the Securities Exchange Act of 1934, as amended, 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 the Notes prior to the delivery of the Notes will be required, by virtue of the fact that the Notes initially will settle
in T+3, to specify an alternate settlement arrangement at the time of any such trade to prevent a failed settlement. Purchasers of the
Notes who wish to trade the Notes prior to their date of delivery should consult their own advisor.</TD></TR>
<TR STYLE="vertical-align: top">
<TD>&nbsp;</TD><TD STYLE="text-align: justify">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
<TD><FONT STYLE="font-family: Times New Roman, Times, Serif">***</FONT></TD><TD STYLE="text-align: justify">The redemption of the 2020 Subordinated Notes, if any, will be made solely pursuant to a redemption notice
delivered pursuant to the indenture governing the 2020 Subordinated Notes, and nothing contained herein constitutes a notice of redemption
of the 2020 Subordinated Notes.</TD></TR></TABLE>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><B>Note: The Issuer has filed a registration statement
(File&nbsp;No. 333-272215)&nbsp;(including a base prospectus) dated May 26, 2023 and a preliminary prospectus supplement, dated June 5,
2025 (the &ldquo;<I>Preliminary Prospectus Supplement</I>&rdquo;) with the Securities and Exchange Commission (&ldquo;<I>SEC</I>&rdquo;)
for the offering to which this communication relates. Before you invest, you should read the base prospectus in that registration statement,
the Preliminary Prospectus Supplement, the final prospectus supplement (when available) and other documents the Issuer has filed with
the SEC for more complete information about the Issuer and this offering. You may get these documents for free by visiting EDGAR on the
SEC&rsquo;s website at&nbsp;<U>www.sec.gov</U>. Alternatively, the Issuer, the underwriters or any dealer participating in the offering
will arrange to send you copies of the base prospectus, the Preliminary Prospectus Supplement or final prospectus supplement (when available)
if you request it from Keefe, Bruyette&nbsp;&amp; Woods,&nbsp;<I>A Stifel Company</I>,&nbsp;by emailing USCapitalMarkets@kbw.com. </B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><B>Capitalized terms used but not defined in this
Term Sheet have the meanings given to them in the Preliminary Prospectus Supplement. This Term Sheet is qualified in its entirety by reference
to the Preliminary Prospectus Supplement. The information in this Term Sheet supplements the Preliminary Prospectus Supplement and supersedes
the information in the Preliminary Prospectus Supplement to the extent it is inconsistent with the information in the Preliminary Prospectus
Supplement. Other information (including other financial information) presented in the Preliminary Prospectus Supplement is deemed to
have changed to the extent affected by the information contained herein.</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><B>ANY DISCLAIMERS OR OTHER NOTICES THAT MAY APPEAR
BELOW ARE NOT APPLICABLE TO THIS COMMUNICATION AND SHOULD BE DISREGARDED. SUCH DISCLAIMERS OR OTHER NOTICES WERE AUTOMATICALLY GENERATED
AS A RESULT OF THIS COMMUNICATION BEING SENT VIA BLOOMBERG OR ANOTHER EMAIL SYSTEM.</B></P>



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