<SEC-DOCUMENT>0002039852-25-000156.txt : 20250903
<SEC-HEADER>0002039852-25-000156.hdr.sgml : 20250903
<ACCEPTANCE-DATETIME>20250903161716
ACCESSION NUMBER:		0002039852-25-000156
CONFORMED SUBMISSION TYPE:	424B5
PUBLIC DOCUMENT COUNT:		2
FILED AS OF DATE:		20250903
DATE AS OF CHANGE:		20250903

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			Customers Bancorp, Inc.
		CENTRAL INDEX KEY:			0001488813
		STANDARD INDUSTRIAL CLASSIFICATION:	STATE COMMERCIAL BANKS [6022]
		ORGANIZATION NAME:           	02 Finance
		EIN:				272290659
		STATE OF INCORPORATION:			PA
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		424B5
		SEC ACT:		1933 Act
		SEC FILE NUMBER:	333-290008
		FILM NUMBER:		251289995

	BUSINESS ADDRESS:	
		STREET 1:		701 READING AVENUE
		CITY:			WEST READING
		STATE:			PA
		ZIP:			19611
		BUSINESS PHONE:		484-359-7113

	MAIL ADDRESS:	
		STREET 1:		701 READING AVENUE
		CITY:			WEST READING
		STATE:			PA
		ZIP:			19611

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	Customers 1st Bancorp, Inc.
		DATE OF NAME CHANGE:	20100408
</SEC-HEADER>
<DOCUMENT>
<TYPE>424B5
<SEQUENCE>1
<FILENAME>customers424b5.htm
<DESCRIPTION>CUSTOMERS BANCORP, INC. FORM 424B5
<TEXT>
<HTML>
<HEAD>
     <TITLE>Customers Bancorp, Inc. Form 424b5</TITLE>
</HEAD>
<BODY STYLE="font: 10pt Times New Roman, Times, Serif">

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; color: red"><B>The information in this preliminary prospectus supplement
is not complete and may be changed. A registration statement relating to the securities has become effective under the Securities Act
of 1933, as amended. This preliminary prospectus supplement and the accompanying prospectus are not an offer to sell these securities
and are not soliciting an offer to buy these securities in any jurisdiction where the offer or sale is not permitted.</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center; color: red">Subject to Completion, dated September 3,
2025</P>

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 48%; padding-right: 5.4pt; padding-left: 5.4pt">
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B>PRELIMINARY PROSPECTUS SUPPLEMENT</B></P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B>(to Prospectus dated September 3, 2025)</B></P></TD>
    <TD STYLE="width: 6%; padding-right: 5.4pt; padding-left: 5.4pt; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="width: 46%; padding-right: 5.4pt; padding-left: 5.4pt">
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">Filed Pursuant to Rule 424(b)(5)</P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">Registration No. 333-290008</P></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">&nbsp;</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B><IMG SRC="cubilogo.jpg" ALT="Customers Bancorp Logo" STYLE="width: 285px; height: 75px">&nbsp;</B></P>



<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><FONT STYLE="font-size: 24pt"><B>Customers Bancorp,
Inc.</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><FONT STYLE="font-size: 14pt"><B>&nbsp;</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><FONT STYLE="font-size: 18pt"><B>$150,000,000</B></FONT>
</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><FONT STYLE="font-size: 14pt"><B>Common Stock</B></FONT></P>

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">We are offering $150,000,000 of our voting common stock, par value
$1.00 per share, which we refer to as our common stock.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">Our common stock is listed on the New York Stock Exchange under the
symbol &ldquo;CUBI.&rdquo; On September 2, 2025, the last reported sale price of our common stock on the New York Stock
Exchange was $71.58 per share. You are urged to obtain current market data and should not use the market price as of September
2, 2025, as a prediction of the future market price of our common stock.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 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="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Per Share</B></FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Total</B></FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 71%; background-color: #CCEEFF; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Public offering price</FONT></TD>
    <TD STYLE="width: 3%; background-color: #CCEEFF; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</FONT></TD>
    <TD STYLE="width: 10%; background-color: #CCEEFF; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD>
    <TD STYLE="width: 2%; background-color: #DBE5F1; padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="width: 3%; background-color: #CCEEFF; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</FONT></TD>
    <TD STYLE="width: 11%; background-color: #CCEEFF; padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Underwriting discount and commissions</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="background-color: #CCEEFF; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Proceeds, before offering expenses, to us</FONT></TD>
    <TD STYLE="background-color: #CCEEFF; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</FONT></TD>
    <TD STYLE="background-color: #CCEEFF; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD>
    <TD STYLE="background-color: #DBE5F1; padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="background-color: #CCEEFF; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</FONT></TD>
    <TD STYLE="background-color: #CCEEFF; padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">We have granted the underwriters an option for a period of 30 days
from the date of this prospectus supplement to purchase up to an additional $22,500,000 in shares of our common stock from us. If the underwriters exercise this option in full, the total underwriting discounts and commissions will be
$&emsp;&emsp;&emsp;&emsp; and total proceeds, before expenses, to us will be $&emsp;&emsp;&emsp;&emsp;.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B>Investing in our common stock involves significant risk. You
should carefully read and consider the information referred to under &ldquo;<A HREF="#a_006">Risk Factors</A>&rdquo; beginning on page S-8 of
this prospectus supplement, as well as those risk factors contained in our most recent Annual Report on Form 10-K and our subsequent
Quarterly Reports on Form 10-Q and other information we file from time to time with the Securities and Exchange Commission, which we
refer to as the SEC, which are incorporated by reference in this prospectus supplement and the accompanying prospectus.</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B>The common stock is not a savings account, deposit or other
obligation of our bank or non-bank subsidiaries and is not insured or guaranteed by the Federal Deposit Insurance Corporation, which
we refer to as the FDIC, or any other government agency or public or private insurer.</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B>None of the SEC, any state securities commission, the Board of
Governors of the Federal Reserve System, which we refer to as the Federal Reserve, the FDIC or any other regulatory body has
approved or disapproved of these securities or passed upon the accuracy or adequacy of this prospectus supplement or the
accompanying prospectus. Any representation to the contrary is a criminal offense.</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">The underwriters expect to deliver the shares of our common stock to purchasers
against payment therefor, in New York, New York, on or about September &nbsp;&nbsp;&nbsp;&nbsp;, 2025.</P>

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR>
    <TD STYLE="vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">&nbsp;</TD>
    <TD STYLE="vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt">
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><FONT STYLE="background-color: white"><I>Joint Book-Running
    Managers</I></FONT></P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><I>&nbsp;</I></P></TD>
    <TD STYLE="vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">&nbsp;</TD>
    <TD STYLE="padding-bottom: 10pt; line-height: 115%">&nbsp;</TD></TR>
  <TR>
    <TD STYLE="vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-size: 14pt"><B>Morgan
    Stanley</B></FONT></TD>
    <TD STYLE="vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 14pt"><B>Keefe,
    Bruyette &amp; Woods<BR>
    </B><I>A Stifel Company</I></FONT></TD>
    <TD STYLE="vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-size: 14pt"><B>Raymond
    James</B></FONT></TD>
    <TD STYLE="padding-bottom: 10pt; line-height: 115%">&nbsp;</TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B>__________________________</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B>The date of this prospectus supplement is September
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;, 2025</B>.</P>


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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify"><B>&nbsp;</B></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: 86%; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify">&nbsp;</TD>
    <TD STYLE="width: 2%; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify">&nbsp;</TD>
    <TD STYLE="width: 12%; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><U>PAGE</U></FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><A HREF="#a_001"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">ABOUT THIS PROSPECTUS SUPPLEMENT</FONT></A></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">S-ii</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><A HREF="#a_003"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">CAUTIONARY NOTE REGARDING FORWARD-LOOKING STATEMENTS</FONT></A></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">S-iii</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><A HREF="#a_004"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">PROSPECTUS SUPPLEMENT SUMMARY</FONT></A></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">S-1</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><A HREF="#a_005"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">THE OFFERING</FONT></A></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">S-2</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><A HREF="#a_006"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">RISK FACTORS</FONT></A></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">S-3</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><A HREF="#a_007"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">USE OF PROCEEDS</FONT></A></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">S-7</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><A HREF="#a_008"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">DIVIDEND POLICY</FONT></A></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">S-8</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><A HREF="#a_009"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">CAPITALIZATION</FONT></A></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">S-9</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><A HREF="#a_010">MATERIAL U.S. FEDERAL INCOME TAX CONSIDERATIONS</A></FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">S-10</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><A HREF="#a_011">UNDERWRITING</A></FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">S-14</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><A HREF="#a_012"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">LEGAL MATTERS</FONT></A></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">S-20</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><A HREF="#a_013">EXPERTS</A></FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">S-20</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><A HREF="#a_014"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">INCORPORATION OF CERTAIN DOCUMENTS BY REFERENCE</FONT></A></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">S-20</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><A HREF="#a_015"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">WHERE YOU CAN FIND MORE INFORMATION</FONT></A></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">S-20</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify"><B>&nbsp;</B></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: 86%; padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="width: 2%; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify">&nbsp;</TD>
    <TD STYLE="width: 12%; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><U>PAGE</U></FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><A HREF="#about"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">ABOUT THIS PROSPECTUS</FONT></A></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">ii</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><A HREF="#cautionary"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">CAUTIONARY NOTE REGARDING FORWARD-LOOKING STATEMENTS</FONT></A></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">iii</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><A HREF="#summary">SUMMARY</A></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">1</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><A HREF="#riskfactors"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">RISK FACTORS</FONT></A></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">2</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><A HREF="#useofproceeds"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">USE OF PROCEEDS</FONT></A></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">3</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><A HREF="#descriptionofsecurities"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">DESCRIPTION OF THE SECURITIES</FONT></A></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">4</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><A HREF="#descriptionofcommonstock"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">DESCRIPTION OF COMMON STOCK</FONT></A></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">4</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><A HREF="#descriptionofpreferredstock"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">DESCRIPTION OF PREFERRED STOCK</FONT></A></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">8</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><A HREF="#descriptionofdebt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">DESCRIPTION OF DEBT SECURITIES</FONT></A></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">11</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><A HREF="#depositaryshares"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">DESCRIPTION OF DEPOSITARY SHARES</FONT></A></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">22</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><A HREF="#warrants"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">DESCRIPTION OF WARRANTS</FONT></A></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">25</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><A HREF="#units"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">DESCRIPTION OF UNITS</FONT></A></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">26</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><A HREF="#plan"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">PLAN OF DISTRIBUTION</FONT></A></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">28</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><A HREF="#legal"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">LEGAL MATTERS</FONT></A></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">31</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><A HREF="#experts">EXPERTS</A></FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">31</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><A HREF="#reference"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">INCORPORATION OF CERTAIN DOCUMENTS BY REFERENCE</FONT></A></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">31</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><A HREF="#findmore"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">WHERE YOU CAN FIND MORE INFORMATION</FONT></A></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">32</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

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

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

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


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<P STYLE="font: 10pt/115% Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: center"><B><A NAME="a_001"></A>ABOUT THIS PROSPECTUS SUPPLEMENT</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">This document is in two parts. The first part is this
prospectus supplement, which describes the specific terms of this offering and also supplements and, in certain cases, updates information
contained in the accompanying prospectus and the documents incorporated by reference in this prospectus supplement and the accompanying
prospectus. The second part, the accompanying prospectus, provides more general information, some of which may not apply to this offering.
Generally, when we refer to this prospectus, we are referring to both parts of this document combined. To the extent there is a conflict
between the information contained in this prospectus supplement and the information contained in the accompanying prospectus or any document
incorporated by reference therein filed prior to the date of this prospectus supplement, you should rely on the information in this prospectus
supplement. If any statement in one of these documents is inconsistent with a statement in another document having a later date (for example,
a document incorporated by reference in the accompanying prospectus) the statement in the document having the later date modifies or supersedes
the earlier statement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">The accompanying prospectus is part of a registration statement that we filed with the SEC using a shelf registration statement. Under
the shelf registration process, from time to time, we may offer and sell to the public any combination of the securities described in
the accompanying prospectus, including our common stock, up to an indeterminate amount.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">You should read and consider all of the information
included in this prospectus supplement, the accompanying prospectus and any free writing prospectus filed by us with the SEC relating
to this offering in making your investment decision. You should also read and consider the information in the documents to which we have
referred you in the sections entitled &ldquo;Incorporation of Certain Documents by Reference&rdquo; and &ldquo;Where You Can Find More
Information&rdquo; in this prospectus supplement.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">You should not consider any information contained or
incorporated by reference in this prospectus supplement or the accompanying prospectus to be investment, legal or tax advice. You should
consult your own counsel, accountant and other advisors for legal, tax, business, financial and related advice regarding an investment
in the shares of our common stock. We are not making any representation to you regarding the legality of an investment in our common stock
by you under applicable investment or similar laws.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">We have not, and the underwriters have not, authorized
any other person to provide you with any information other than that contained in or incorporated by reference into this prospectus supplement,
the accompanying prospectus or in any free writing prospectus prepared by us or on our behalf to which we have referred you. We and the
underwriters take no responsibility for, and can provide no assurance as to the reliability of, any other information that others may
give you. You should assume that the information contained in or incorporated by reference into this prospectus supplement, the accompanying
prospectus and any free writing prospectus is accurate only as of their respective dates. Our business, financial condition, results of
operations and prospects may have changed since those dates.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">We are not, and the underwriters are not, making an
offer to sell these securities in any jurisdiction where the offer and sale is not permitted. The distribution of this prospectus supplement
and the accompanying prospectus and the offering of our securities in certain jurisdictions may be restricted by law. This prospectus
supplement and the accompanying prospectus do not constitute, and may not be used in connection with, any sale, offer to sell, or solicitation
of any offer to purchase, any of the securities offered hereby in any jurisdiction in which it is unlawful to make such an offer or solicitation.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 5pt 0; text-indent: 0.5in">All references in this prospectus supplement and
the accompanying prospectus to &ldquo;Customers Bancorp,&rdquo; &ldquo;Customers,&rdquo; the &ldquo;Company,&rdquo; &ldquo;we,&rdquo;
&ldquo;us,&rdquo; &ldquo;our,&rdquo; or similar references refer to Customers Bancorp, Inc., and its subsidiaries on a consolidated basis,
except where the context otherwise requires or as otherwise indicated.</P>

<P STYLE="text-align: center; font: 10pt Times New Roman, Times, Serif; margin-top: 5pt; margin-bottom: 5pt"><B><BR>
<BR>
<BR></B></P>


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

<P STYLE="text-align: center; font: 10pt Times New Roman, Times, Serif; margin-top: 5pt; margin-bottom: 5pt"><B><A NAME="a_002"></A></B></P>


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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B><A NAME="a_003"></A>CAUTIONARY NOTE REGARDING FORWARD-LOOKING STATEMENTS</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 5pt 0; text-indent: 0.5in">This prospectus supplement, the accompanying
prospectus and the documents incorporated by reference herein and therein contain forward-looking information within the meaning of
the safe harbor provisions of the U.S. Private Securities Litigation Reform Act of 1995. These statements are statements other than
statements of fact and typically relate to future events or future predictions, including events or predictions relating to future
financial performance, and are generally identifiable by the use of forward-looking terminology such as &ldquo;believe,&rdquo;
&ldquo;expect,&rdquo; &ldquo;may,&rdquo; &ldquo;will,&rdquo; &ldquo;should,&rdquo; &ldquo;plan,&rdquo; &ldquo;intend,&rdquo; or
&ldquo;anticipate&rdquo; or the negative thereof or comparable terminology. Forward-looking statements reflect numerous assumptions,
estimates and forecasts as to future events. No assurance can be given that the assumptions, estimates and forecasts underlying such
forward-looking statements will accurately reflect future conditions, or that any guidance, goals, targets or projected results will
be realized. The assumptions, estimates and forecasts underlying such forward-looking statements involve judgments with respect to,
among other things, future economic, competitive, regulatory and financial market conditions and future business decisions, which
may not be realized and which are inherently subject to significant business, economic, competitive and regulatory uncertainties and
known and unknown risks, including the risks described under &ldquo;Risk Factors&rdquo; in our Annual Report on Form 10-K for the
year ended December 31, 2024 and our Quarterly Reports on Form 10-Q for the quarters ended March 31, 2025, and June 30, 2025, as such factors may be updated from time to time in our filings with the SEC. Our actual results may differ
materially from those reflected in the forward-looking statements.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 5pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 5pt 0; text-indent: 0.5in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 5pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 5pt 0; text-indent: 0.5in">In addition to the risks described under &ldquo;Risk
Factors&rdquo; in this prospectus supplement, the accompanying prospectus, and the documents incorporated by reference herein, other important
factors to consider and evaluate with respect to such forward-looking statements include:</P>

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    <TD STYLE="width: 4%; padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="width: 3%; padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">&bull;</FONT></TD>
    <TD STYLE="width: 3%; padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="width: 90%; padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">a prolonged downturn in the economy, particularly in the geographic areas in which we do business, or an unexpected decline in real estate values within our market areas;</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">&bull;</FONT></TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">the impact of forbearances or deferrals we are required to provide or that we agree to as a result of borrower requests and/or government actions, including, but not limited to our potential inability to fully recover deferred payments from the borrower or the collateral;</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">&bull;</FONT></TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">inflation, interest rate, securities market and monetary fluctuations;</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">&bull;</FONT></TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">continued volatility in the credit and equity markets and its effect on the general economy;</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">&bull;</FONT></TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">our ability to attract and retain deposits and other sources of liquidity;</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">&bull;</FONT></TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">public health crises and pandemics and their effects on the economic and business environments in which we operate;</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">&bull;</FONT></TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">geopolitical conditions, including acts or threats of terrorism, actions taken by the United States or other governments in response to acts or threats of terrorism and military conflicts, including the war between Russia and Ukraine and ongoing conflict in the Middle East, which could impact economic conditions in the United States;</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">&bull;</FONT></TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">the effects of actions by the federal government, including the Federal Reserve System and other government agencies, that affect market interest rates and the money supply; actions that we and our customers take in response to these developments and the effects such actions have on our operations, products, services and customer relationships;</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">&bull;</FONT></TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">the impact that changes in the economy have on the performance of our loan and lease portfolio, the market value of our investment securities, the demand for our products and services and the availability of sources of funding;</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">&bull;</FONT></TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">higher inflation and its impacts; </FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">&bull;</FONT></TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">the effects of changes in U.S. trade policies, including the imposition of tariffs and retaliatory tariffs on its trading partners;</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">&bull;</FONT></TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">our ability to raise additional funding in the capital markets, if necessary, to fund our operations and business plan;</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">&bull;</FONT></TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">changes in the financial performance and/or condition of our borrowers or depositors;</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">&bull;</FONT></TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">changes in the level of non-performing and classified assets and charge-offs, which may require us to increase our allowance for credit losses, charge off loans and leases and incur elevated collection and carrying costs related to such non-performing assets;</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">&bull;</FONT></TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">changes in estimates of our future loss reserve requirements under current expected credit losses (&ldquo;CECL&rdquo;) based upon our periodic review thereof under relevant regulatory and accounting requirements;</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">&bull;</FONT></TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">potential claims, damages, penalties, fines and reputational damage arising from litigation and regulatory and government actions relating to our participation in and execution of government programs related to the COVID-19 pandemic or as a result of our action in response to, or failure to implement or effectively implement, applicable federal, state and local laws, rules or executive orders requiring that we grant forbearances or not act to collect amounts due under our loans;</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">&bull;</FONT></TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">the effects of changes in accounting policies and practices, as may be adopted by the regulatory agencies, Financial Accounting Standards Board and other accounting standard setters;</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">&bull;</FONT></TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">changes in external competitive market factors that might impact our results of operations;</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">&bull;</FONT></TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">changes in laws and regulations, including, without limitation, changes in capital requirements under Basel III;</FONT></TD></TR>
  </TABLE>

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

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<P STYLE="margin: 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: 4%; padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="width: 3%; padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">&bull;</FONT></TD>
    <TD STYLE="width: 3%; padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="width: 90%; padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">the extensive federal and state regulation, supervision and examination governing almost every aspect of our operations and potential expenses associated with complying with such regulations;</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">&bull;</FONT></TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">the effects of heightened regulatory requirements applicable to banks with assets in excess of $10 billion;</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">&bull;</FONT></TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">changes in our business strategy or an inability to execute our strategy due to the occurrence of unanticipated events;</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">&bull;</FONT></TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">local, regional and national economic conditions and events and the impact they may have on us and our borrowers and depositors;</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">&bull;</FONT></TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">costs and effects of legal and regulatory oversight and legal developments, including the results of regulatory examinations and the outcome of regulatory or other governmental inquiries and proceedings, such as fines, restrictions on our business activities or reputational damage;</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">&bull;</FONT></TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">any failure of ours to comply with anti-money laundering and anti-terrorism financing laws;</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">&bull;</FONT></TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">our ability to identify borrowers and make loans at terms that are favorable to us;</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">&bull;</FONT></TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">our ability to attract and retain qualified personnel;</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">&bull;</FONT></TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">timely development and acceptance of new banking products and services and perceived overall value of these products and services by users;</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">&bull;</FONT></TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">our ability to execute our digital distribution strategy;</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">&bull;</FONT></TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">technological changes, including acceptance and success of our proprietary business-to-business (&ldquo;B2B&rdquo;) instant payments platform, cubiX, which is subject to a variety of factors that are difficult to evaluate;</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">&bull;</FONT></TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">changes in consumer spending, borrowing and saving habits;</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">&bull;</FONT></TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">our ability to successfully implement our growth strategy, control expenses and maintain liquidity;</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">&bull;</FONT></TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">costs and effects of system failures or cybersecurity incidents or other breaches of our network security and the network security of our third-party service providers and our borrowers and depositors;</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">&bull;</FONT></TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">the businesses of Customers Bank and any acquisition targets or merger partners and subsidiaries not being integrated successfully or such integration being more difficult, time-consuming or costly than expected;</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">&bull;</FONT></TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">our ability to engage third-party service providers and the ability of our third-party service providers to adequately perform their services;</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">&bull;</FONT></TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">material differences in the actual financial results of merger and acquisition activities compared with our expectations, such as with respect to the full realization of anticipated cost savings and revenue enhancements within the expected time frame;</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">&bull;</FONT></TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">regulatory limits on our ability to receive dividends from our subsidiaries and pay dividends to our shareholders;</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">&bull;</FONT></TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">our ability to manage the risks of change in our deposit and loan mix;</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">&bull;</FONT></TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">our ability to manage the risks inherent in our consumer loan and mortgage portfolios;</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">&bull;</FONT></TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">shareholder and analyst ratings and sentiment, and the effects they may have on the price at which our securities trade;</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">&bull;</FONT></TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">our ability to identify potential candidates for, and consummate, acquisition or investment transactions;</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">&bull;</FONT></TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">constraints on our ability to consummate an attractive acquisition or investment transaction because of significant competition for those opportunities;</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">&bull;</FONT></TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">our ability to manage servicing, processing forgiveness, and guarantee submissions of Paycheck Protection Program (&ldquo;PPP&rdquo;) loans; and</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">&bull;</FONT></TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">any reputation, credit, interest rate, market, operational, litigation, legal, liquidity, regulatory and compliance risk resulting from developments related to any of the risks discussed above.</FONT></TD></TR>
  </TABLE>


<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 5pt 0; text-indent: 0.5in">You are cautioned not to place undue reliance on
these forward-looking statements, which speak only as of the date hereof, or, in the case of other documents referred to herein, the dates
of those documents. We do not undertake any obligation to release publicly or otherwise provide any revisions to these forward-looking
statements to reflect events or circumstances occurring after the date hereof or to reflect the occurrence of unanticipated events, except
as may be required under applicable law.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 5pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 5pt 0; text-indent: 0.5in"></P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 5pt 0; text-align: center"><B><A NAME="a_004"></A>PROSPECTUS SUPPLEMENT SUMMARY </B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 5pt 0; text-indent: 0.5in"><I>This summary highlights information
contained elsewhere in this prospectus supplement and the accompanying prospectus and in the documents we incorporate by reference.
This summary does not contain all of the information that you should consider before deciding to invest in our common stock. You
should read this entire prospectus supplement and the accompanying prospectus carefully, including the &ldquo;Risk Factors&rdquo;
sections contained in this prospectus supplement and in the accompanying prospectus and our Annual Report on Form 10-K for the year
ended December 31, 2024 and Quarterly Reports on Form 10-Q for the quarters ended March 31, 2025 and June 30, 2025, as well as our financial statements and the related notes and the other documents incorporated by reference herein, which
are described under the heading &ldquo;Incorporation of Certain Documents by Reference&rdquo; in this prospectus supplement.</I></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 5pt 0; text-align: center"><B>Customers Bancorp, Inc. </B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 5pt 0">Customers Bancorp, Inc. is a bank holding company located in West
Reading, Pennsylvania engaged in banking and related businesses through its bank subsidiary, Customers Bank. Customers Bank is a
community-based, full-service bank, and is a member of the Federal Reserve System, with deposits insured by the FDIC. Customers
Bancorp, Customers Bank and our non-bank subsidiaries serve businesses and residents in Berks County and Southeastern Pennsylvania
(Bucks, Chester and Philadelphia Counties); New York (Westchester and Suffolk Counties, and Manhattan); Hamilton, New Jersey;
Boston, Massachusetts; Providence, Rhode Island; Portsmouth, New Hampshire; California (Southern California and the Bay Area);
Nevada (Las Vegas and Reno); and nationally for certain loan and deposit products.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 5pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 5pt 0">Customers Bank has seven branches and provides commercial banking
products, primarily loans and deposits. In addition, Customers Bank administratively supports loan and other financial products,
including equipment finance leases, to customers through its limited-purpose offices. Customers Bank also serves specialized
businesses nationwide, including its mortgage finance loans, commercial equipment financing, Small Business Administration lending
and specialized lending. Customers Bank also offers consumer loans through relationships with fintech companies.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 5pt 0; text-align: center"><B>Our Corporate Information</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 5pt 0; text-indent: 0.5in">We were incorporated as a Pennsylvania
incorporation on April 7, 2010 to facilitate a reorganization into a bank holding structure pursuant to which Customers Bank became
our wholly owned subsidiary. Our principal executive offices are located at 701 Reading Avenue, West Reading, Pennsylvania, 19611.
Our telephone number is (610) 993-2000. Our Internet address is www.customersbank.com. We have included our web address as inactive
textual references only. The information found on, or otherwise accessible through, our website is not incorporated into, and does
not form a part of, this prospectus supplement or the accompanying prospectus or any other report or document we file with or
furnish to the SEC.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 5pt 0; text-indent: 0.5in">&nbsp;</P>

</DIV>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 5pt 0; text-indent: 0.5in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 5pt 0; text-indent: 0.5in">&nbsp;</P>



<DIV STYLE="padding-right: 10pt; border: Black 1pt solid; padding-left: 10pt">

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 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="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="text-align: right; padding-right: 5.4pt; padding-left: 5.4pt; vertical-align: bottom"><A NAME="a_005"></A><B>THE</B></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 0"><B>OFFERING</B></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 0">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; width: 40%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Issuer</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; width: 7%">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 0; width: 53%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Customers Bancorp, Inc.</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 0">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Common stock offered by us</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;shares
    of common stock, par value $1.00 per share (or&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;shares if the underwriters
    exercise their  option to purchase additional shares in full).</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 0">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Common stock outstanding upon completion of this offering<SUP>(1)</SUP></FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;shares
    (or&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;shares if the underwriters exercise their  option to purchase
    additional shares in full).</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 0">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Use of Proceeds</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"></FONT>

<P STYLE="font: 10pt/107% Times New Roman, Times, Serif; margin: 0 13.45pt 0 1.95pt">We estimate that the net proceeds we will receive
from this offering will be approximately $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; (or $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; if the underwriters exercise their option to purchase additional shares in full) after
deducting underwriting discounts and commissions and estimated offering expenses of approximately $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; payable by us.</P>
<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"></FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 0">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"></FONT>

<P STYLE="font: 10pt/107% Times New Roman, Times, Serif; margin: 0 5.7pt 0 2pt">We intend to use the net proceeds for general corporate
purposes to support organic growth, which may include: refinancing, reducing or repaying indebtedness; repurchasing shares of our voting
common stock; redeeming, in whole or in part, our Series F Fixed-to-Floating Rate Non-Cumulative Perpetual Preferred Stock (&ldquo;Series
F Preferred&rdquo;); investments in Customers Bank and any other of our subsidiaries as regulatory capital to fund growth; financing,
in whole or in part, possible investments or acquisitions; expansion of our business; and investments at the holding company level. We
currently have no definitive agreements, arrangements or understandings regarding any future acquisitions.</P>

<P STYLE="font: 10pt/107% Times New Roman, Times, Serif; margin: 0 13.45pt 0 1.95pt">&nbsp;</P>

<P STYLE="font: 10pt/107% Times New Roman, Times, Serif; margin: 0 5.7pt 0 2pt">As of the date of this prospectus supplement, Series
F Preferred shares with $85 million in aggregate liquidation preference were outstanding and there are accrued but unpaid dividends
of $1.7 million on the shares. The redemption price of the Series F Preferred shares is $25.00 per share, plus the per share amount
of any declared and unpaid dividends. Whether or not our board of directors determines to proceed with a redemption of the Series F
Preferred shares, in whole or in part, we intend to use the remaining proceeds for <FONT STYLE="letter-spacing: -0.25pt">the
other purposes described above.</FONT></P>
<P STYLE="font: 10pt/107% Times New Roman, Times, Serif; margin: 0 5.7pt 0 2pt"><FONT STYLE="letter-spacing: -0.25pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0">This prospectus supplement does not constitute a notice of redemption
with respect to our Series F Preferred shares.</P>
<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"></FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 0">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Risk Factors</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">See
    &ldquo;<A HREF="#a_006">Risk Factors</A>&rdquo; beginning on page S-8 of this prospectus supplement, as well as those risk factors contained in
    our Annual Report on Form 10-K for the year ended December 31, 2024 and Quarterly Reports on Form 10-Q for the quarters ended March
    31, 2025 and June 30, 2025, and other information included or incorporated by reference in this prospectus
    supplement for a discussion of factors you should consider carefully before making a decision to invest in our common
    stock.</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 0">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">NYSE Symbol</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">CUBI</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 0">&nbsp;</TD></TR>
</TABLE>

<P STYLE="margin: 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="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(1)</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">The number of shares of common stock outstanding immediately after
    the closing of this offering is based on 31,606,934 shares of our common stock outstanding as of June 30, 2025. Unless otherwise
    indicated, the number of outstanding shares of common stock presented in this prospectus supplement excludes
    &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;shares of common stock issuable
    pursuant to the exercise in full of the underwriters&rsquo; option to purchase additional shares of common stock in this offering
    and also excludes (i)  1,264,473 shares of common stock issuable upon the exercise of outstanding stock options (both vested and
    unvested) as of June 30, 2025, at a weighted-average exercise price of $28.27 per share; (ii)  835,943 shares of common stock
    underlying restricted stock units awarded but not yet vested as of June 30, 2025; and (iii)  533,513 additional shares of common
    stock available for future issuance under our equity incentive plans and compensation agreements and arrangements.</P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"></P></TD></TR>
    </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;&nbsp;</P>

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

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


<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B><A NAME="a_006"></A>RISK FACTORS</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><I></I></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><I>An investment in our common stock involves
substantial risks. In consultation with your own advisors, you should carefully consider, among other matters, the factors set forth
below and in the accompanying prospectus as well as the other information included or incorporated by reference in this prospectus
supplement and the accompanying prospectus before deciding whether an investment in our common stock is suitable for you. In
particular, you should carefully consider, among other things, the factors described under the caption &ldquo;Risk Factors&rdquo; in
our Annual Report on Form 10-K for the year ended December 31, 2024 and Quarterly Reports on Form 10-Q for the quarters ended March
31, 2025 and June 30, 2025,and any reports we have subsequently filed or may file with the SEC in the future, which may amend,
supplement or supersede those factors. If any of the risks contained in or incorporated by reference into this prospectus supplement
or the accompanying prospectus develop into actual events, our business, financial condition, liquidity, results of operations and
prospects could be materially and adversely affected, the price of our common stock could decline and you may lose all or part of
your investment. Also see the &ldquo;Cautionary Note Regarding Forward-Looking Statements&rdquo; sections in this prospectus
supplement and in the accompanying prospectus.</I></P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><I></I></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B>Risks Related to Our Common Stock and this Offering</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B>We have broad discretion to determine how to use the net proceeds of
this offering, and we may not use the net proceeds effectively.</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">Our management will have broad discretion over the
use of proceeds from this offering. Although we currently intend to use the net proceeds to redeem our Series F
Fixed-to-Floating Rate Non-Cumulative Perpetual Preferred Stock, our board of directors may determine not to complete the redemption.
We have not allocated the net proceeds from this offering for any other specific purposes, and we could deploy the net proceeds from this
offering in ways that do not improve our results of operations or enhance the value of our common stock or otherwise in ways with which
you do not agree. We have not established a timetable for the effective deployment of the net proceeds and we cannot predict how long
that will take. If we do not invest or apply the net proceeds of this offering effectively and on a timely basis, it could have a material
adverse effect on our business and could cause the market price of our common stock to decline.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B>Our stock price may fluctuate or decline after the offering</B>.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">The market price of our stock could be subject to significant
fluctuations after this offering due to a variety of factors, including:</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: 7%">&nbsp;</TD>
    <TD STYLE="width: 2%">&nbsp;</TD>
    <TD STYLE="width: 2%">&nbsp;</TD>
    <TD STYLE="width: 89%">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&bull;</FONT></TD>
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">general market and economic conditions;</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&bull;</FONT></TD>
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">declines in the stock price or changes in market valuations of companies in our peer sector or the financial services industry generally;</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&bull;</FONT></TD>
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">actual or anticipated fluctuations in our results of operations and financial condition;</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&bull;</FONT></TD>
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">changes in our earnings estimates, publication of research reports about us or the financial services industry, or failure by us to meet securities analysts&rsquo; expectations;</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&bull;</FONT></TD>
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">changes in the financial performance and/or condition of our borrowers;</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&bull;</FONT></TD>
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">the extent to which we succeed in implementing our business strategies;</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&bull;</FONT></TD>
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">proposed or adopted regulatory or accounting changes or developments; and</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&bull;</FONT></TD>
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">realization of any of the risks described in this prospectus supplement, the accompanying prospectus and in our other filings with the SEC.</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">In addition, the stock market has experienced considerable
price and volume fluctuations over the past few years. These market fluctuations may materially adversely affect the trading price of
our common stock, regardless of our actual operating performance. Accordingly, you may not be able to resell your shares at or above the
price at which you purchase our common stock in this offering.<BR>
<BR>
</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B>The trading volume in our common stock may generally be less than that
of other larger financial services companies.</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">Although the shares of our common stock are listed
on the NYSE, the trading volume in our common stock may generally be less than that of many other larger financial services companies.
A public trading market having the desired characteristics of depth, liquidity and orderliness depends upon the presence in the marketplace
of willing buyers and sellers of our common stock at any given time, which presence will be dependent upon the individual decisions of
investors, over which we have no control. Illiquidity of the stock market, or in the trading of our common stock on the NYSE, could have
a material adverse effect on the value of your shares, particularly if significant sales of our common stock, or the expectation of significant
sales, were to occur.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B>Purchasers of our common stock will experience immediate dilution.</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">The offering price for our common stock is higher than
the pro forma net tangible book value per share of our outstanding common stock immediately after this offering. At an assumed public
offering price of $71.58 per share (which was the last reported sale price of our common stock on the New York Stock Exchange on September
2, 2025), purchasers of our common stock in this offering would experience immediate dilution in the net tangible book value of
their shares of approximately $14.62 per share, or approximately 20.4% of the public offering price of $71.58 per share.
To the extent that any options to purchase shares of our common stock are exercised or any outstanding restricted stock units vest and
settle, and to the extent that we otherwise issue additional shares of our common stock or other securities convertible into or exchangeable
for shares of our common stock, investors purchasing our common stock in this offering may experience further dilution.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&nbsp;&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 3pt 0; background-color: white"><B>Substantial sales of our common stock could
cause the price of our common stock to decline.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 3pt 0; background-color: white"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 3pt 0; text-indent: 0.5in; background-color: white">If our existing
shareholders sell a large number of shares of our common stock or the public market perceives that our shareholders might sell
shares of our common stock, the market price of our common stock could decline significantly. As of June 30, 2025, our directors and
executive officers, as a group, beneficially owned a total of 2,168,819 shares of common stock and currently exercisable options to
purchase up to an additional 625,123 shares of common stock. Our directors and executive officers have executed 60-day lock-up
agreements for their shares in connection with this offering. Following the expiration of the lock-up period, all of these shares
will be eligible for resale under Rule 144 of the Securities Act, subject to any applicable holding period requirements and volume
limitations. In addition, the underwriters, at any time and without notice, may release all or any portion of the common stock
subject to such lock-up restrictions. The market price for our common stock may decline significantly when the restrictions on
resale by our executive officers and our directors lapse. Our other securityholders, including employee holders of options,
restricted stock units and restricted stock will not be executing lock-up agreements. The shares of our common stock being offered
and sold in this offering will also generally be available for resale into the public markets.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B>An investment in our common stock is not insured by any
governmental entity.</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">Although we are regulated by governmental
agencies, our common stock is not a deposit account or other obligation of ours or Customers Bank or any other bank or non-bank
subsidiary, therefore, an investment in our common stock is not insured against loss by the FDIC, any other deposit insurance fund,
any other governmental entity or by any other public or private entity. Investment in our common stock is inherently risky for the
reasons described in the &ldquo;Risk Factors&rdquo; section, in this prospectus supplement, the accompanying prospectus and our
other filings with the SEC. Our common stock is also subject to the same market forces that affect the price of common stock in any
other publicly traded company. As a result, investors who acquire our common stock may lose some or all of their investment.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B>We do not expect to pay cash dividends on our common stock in the foreseeable
future, and our ability to pay dividends is subject to regulatory limitations.</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">We have not historically declared nor paid cash dividends
on our common stock, and we do not expect to do so in the foreseeable future. Any future determination relating to our dividend policy
will be made at the discretion of our board of directors and will depend on a number of factors, including earnings and financial condition,
liquidity and capital requirements, the general economic and regulatory climate, the ability to service any equity or debt obligations
senior to the common stock, our planned growth in assets and other factors deemed relevant by the board of directors. We must be current
in the payment of dividends to holders of our Series F Preferred Stock before any dividends can be paid on our common stock.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">In addition, as a bank holding company, we are subject to general regulatory restrictions on the payment of cash and in-kind dividends.
The Federal Reserve has the authority to prohibit bank holding companies from engaging in unsafe or unsound practices in conducting their
business, which, depending on the financial condition and liquidity of the holding company at the time, could include the payment of dividends.
We rely primarily on dividends paid to us by Customers Bank to pay cash dividends to our preferred shareholders, to pay principal and
interest on our debt obligations and for dividends or distributions, if any, to our common shareholders or to repurchase our securities.
We are a legal entity separate and distinct from Customer Bank. Furthermore, Customer Bank is not obligated to pay dividends to us, and
any dividends paid to us would depend on the earnings or financial condition of Customer Bank, various business considerations, and applicable
law and regulation. Federal and state legislation and regulation limit the amount of dividends that our bank subsidiary can pay to us
as its holding company without regulatory approval.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B>You may experience further dilution if we issue additional equity securities
in the future and any additional preferred or debt securities we issue would have rights, preferences and privileges senior to our common
stock.</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">To raise additional capital, we may in the future offer
additional shares of our common stock or other securities convertible into or exchangeable for our common stock at prices that may not
be the same as the price per share in this offering. We may sell shares or other securities in any other offering at a price per share
that is less than the price per share paid by investors in this offering, and investors purchasing shares or other securities in the future
could have rights superior to existing stockholders.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">Actual or anticipated issuances or sales of substantial
amounts of our common stock or other securities convertible into or exchangeable for our common stock in the future could cause the value
of our common stock to decline significantly and make it more difficult for us to sell equity or equity-related securities in the future
at a time and on terms that we deem appropriate. The issuance of any shares of our common stock in the future also would, and other securities
convertible into or exchangeable for our common stock could, dilute the percentage ownership interest held by shareholders prior to such
issuance. Actual issuances of our common stock could also significantly dilute the voting power of the common stock.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">We have also made grants of restricted stock units
and stock options with respect to shares of our common stock to our directors and certain team members. We may also issue further equity-based
awards in the future. As such shares are issued upon vesting and as such options may be exercised and the underlying shares are or become
freely tradeable, the value or the voting power of our common stock may be adversely affected, and our ability to sell more equity or
equity-related securities could also be adversely affected.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">We are not currently required to issue any additional
equity securities to existing holders of our common stock on a preemptive basis. Therefore, additional common stock issuances, directly
or through convertible or exchangeable securities, warrants or options, will generally dilute the holdings of our existing holders of
common stock, and such issuances or the perception of such issuances may reduce the market price of our common stock. Our outstanding
preferred stock has preference on distribution payments, periodically or upon liquidation, which could eliminate or otherwise limit our
ability to make distributions to holders of our common stock.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">We currently have debt securities and preferred equity
securities outstanding and may, in the future, issue debt or preferred equity securities or incur other borrowings. Future issuances of
debt securities, which would rank senior to our common stock upon our liquidation, and future issuances of preferred stock, which would
rank senior to our common stock for the purposes of making distributions, periodically or upon liquidation, may negatively affect the
market price of our common stock. Upon our liquidation, holders of our debt securities and other loans and preferred stock will receive
a distribution of our available assets before holders of our common stock. If we incur additional debt or issue certain equity securities
in the future, our future fixed payment obligations could increase and restrictive covenants could be imposed which could adversely affect
our liquidity, cash flows and results of operations. Because our decision to issue debt or preferred equity securities or incur other
borrowings in the future will depend on market conditions and other factors beyond our control, the amount, timing, nature or success
of our future capital-raising efforts is uncertain. As a result, holders of our common stock bear the risk that our future issuances of
securities or our incurrence of other borrowings will negatively affect the value of our common stock.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B>Provisions in our articles of incorporation and bylaws may inhibit a
takeover of us, which could discourage transactions that would otherwise be in the best interests of our shareholders and could entrench
management.</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">Provisions of our articles of incorporation and
bylaws and applicable provisions of Pennsylvania law and the federal Change in Bank Control Act, as amended ( the &quot;CBCA&quot;)
may delay, inhibit or prevent someone from gaining control of our business through a tender offer, business combination, proxy
contest or some other method even though some of our shareholders might believe a change in control is desirable. They might also
increase the costs of completing a transaction in which we acquire another financial services business, merge with another financial
institution or sell our business to another financial institution. These increased costs could reduce the value of the shares held
by our shareholders upon completion of these types of transactions.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B>Shareholders may be deemed to be acting in concert or otherwise in control
of us and our bank subsidiaries, which could impose prior approval requirements and result in adverse regulatory consequences for such
holders.</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">We are a bank holding company regulated by the Federal
Reserve. Any entity (including a &ldquo;group&rdquo; composed of natural persons) owning 25% or more of a class of our outstanding shares
of voting stock, or a lesser percentage if such holder or group otherwise exercises a &ldquo;controlling influence&rdquo; over us, may
be subject to regulation as a &ldquo;bank holding company&rdquo; in accordance with the BHC Act. In addition, (i) any bank holding company
or foreign bank with a U.S. presence is required to obtain the approval of the Federal Reserve under the BHC Act to acquire or retain
5% or more of a class of our outstanding shares of voting stock and (ii) any person other than a bank holding company may be required
to obtain prior regulatory approval under the CBCA to acquire or retain 10% or more of a class of our outstanding shares of voting stock.
Any shareholder that is deemed to &ldquo;control&rdquo; the company for bank regulatory purposes would become subject to prior approval
requirements and ongoing regulation and supervision. Such a holder may be required to divest from investments that may be deemed incompatible
with bank holding company status, such as an investment in a company engaged in non-financial activities.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">Our common stock owned by holders determined by a bank
regulatory agency to be acting in concert would be aggregated for purposes of determining whether those holders have control of a bank
or bank holding company. Each shareholder obtaining control that is a &ldquo;company&rdquo; would be required to register as a bank holding
company. &ldquo;Acting in concert&rdquo; generally means knowing participation in a joint activity or parallel action towards the common
goal of acquiring control of a bank or a parent company, whether or not pursuant to an express agreement. The manner in which this definition
is applied in individual circumstances can vary and cannot always be predicted with certainty. Many factors can lead to a finding of acting
in concert, including where: (i) the shareholders are commonly controlled or managed; (ii) the shareholders are parties to an oral or
written agreement or understanding regarding the acquisition, voting or transfer of control of voting securities of a bank or bank holding
company; (iii) the shareholders each own stock in a bank and are also management officials, controlling shareholders, partners or trustees
of another company or (iv) both a shareholder and a controlling shareholder, partner, trustee or management official of such shareholder
own equity in the bank or bank holding company.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">A regulatory determination of &ldquo;control&rdquo; of a depository institution or holding company, or &ldquo;acting in concert&rdquo;
by holders, is based on all of the relevant facts and circumstances. Potential investors are advised to consult with their legal counsel
regarding the applicable regulations and requirements.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B>Our directors and executive officers can influence the outcome of shareholder
votes and, in some cases, shareholders may not have the opportunity to evaluate and affect decisions regarding potential
investment, acquisition or disposition transactions</B>.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">As of June 30, 2025, our directors and executive
officers, as a group, beneficially owned a total of 2,168,819 shares of common stock and currently exercisable options to purchase
up to an additional 625,123 shares of common stock, which potentially gives them, as a group, the ability to control approximately
8.8% of the outstanding common stock. We believe ownership of stock causes directors and officers to have the same interests
as shareholders, but it also gives them the ability to vote as shareholders for matters that are in their personal interest, which
may be contrary to the wishes of other shareholders. Shareholders will not necessarily be provided with an opportunity to evaluate
the specific merits or risks of one or more potential investment, acquisition or disposition transactions. Any decision regarding a
potential investment or acquisition transaction will be made by our board of directors. Except in limited circumstances as required
by applicable law, consummation of an acquisition will not require the approval of holders of common stock. Accordingly,
shareholders may not have an opportunity to evaluate and affect the board of directors' decision regarding most potential investment
or acquisition transactions and/or certain disposition transactions.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B>The FDIC&rsquo;s policy statement imposing restrictions and criteria
on private investors in failed bank acquisitions will apply to us and our investors.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">In August 2009, the FDIC issued a policy statement
imposing restrictions and criteria on private investors in failed bank acquisitions. The policy statement is broad in scope and both complex
and potentially ambiguous in its application. In most cases, it would apply to an investor with more than 5% of the total voting power
of an acquired depository institution or its holding company; but in certain circumstances, it could apply to investors holding fewer
voting shares. The policy statement will be applied to us if we make additional failed bank acquisitions from the FDIC or if the FDIC
changes its interpretation of the policy statement or determines at some future date that it should be applied because of our circumstances.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">Investors subject to the policy statement could be
prohibited from selling or transferring their interests for three years. They also would be required to provide the FDIC with information
about the investor and all entities in the investor&rsquo;s ownership chain, including information on the size of the capital fund or
funds, its diversification, its return profile, its marketing documents, and its management team and business model. Investors owning
80% or more of two or more banks or savings associations would be required to pledge their proportionate interests in each institution
to cross-guarantee the FDIC against losses to the Deposit Insurance Fund.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">Under the policy statement, the FDIC also could prohibit
investment through ownership structures involving multiple investment vehicles that are owned or controlled by the same parent company.
Investors that directly or indirectly hold 10% or more of the equity of a bank or savings association in receivership also would not be
eligible to bid to become investors in the deposit liabilities of that failed institution. In addition, an investor using ownership structures
with entities that are domiciled in bank-secrecy jurisdictions would not be eligible to own a direct or indirect interest in an insured
depository institution unless the investor&rsquo;s parent company is subject to comprehensive consolidated supervision as recognized by
the Federal Reserve, and the investor enters into certain agreements with the U.S. bank regulators regarding access to information, maintenance
of records and compliance with U.S. banking laws and regulations. If the policy statement applies, we (including any failed bank we acquire)
could be required to maintain a ratio of Tier 1 common equity to total assets of at least 10% for a period of three years and thereafter
maintain a capital level sufficient to be well capitalized under regulatory standards during the remaining period of ownership of the
investors. Bank subsidiaries also may be prohibited from extending any new credit to investors that own at least 10% of our equity.</P>

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


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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B><A NAME="a_007"></A>USE OF PROCEEDS</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 7.05pt 0 2pt; text-indent: 29.85pt">We estimate that the net proceeds we
will receive from this offering will be approximately $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; (or $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; if the underwriters exercise their option to purchase additional shares
in full) after deducting underwriting discounts and commissions and estimated offering expenses payable by us.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 5.7pt 0 2pt; text-indent: 29.85pt">We intend to use the net proceeds for
general corporate purposes to support organic growth, which may include: refinancing, reducing or repaying indebtedness; repurchasing
shares of our voting common stock; redeeming, in whole or in part, our Series F Fixed-to-Floating Rate Non-Cumulative Perpetual Preferred
Stock (&ldquo;Series F Preferred&rdquo;); investments in Customers Bank and any other of our subsidiaries as regulatory capital to fund
growth; financing, in whole or in part, possible investments or acquisitions; expansion of our business; and investments at the holding
company level. We currently have no definitive agreements, arrangements or understandings regarding any future acquisitions.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 5.7pt 0 2pt; text-indent: 29.85pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 5.7pt 0 2pt; text-indent: 29.85pt">As of the date of this prospectus supplement,
Series F Preferred shares with $85 million in aggregate liquidation preference were outstanding and there are accrued but unpaid dividends
of $1.7 million on the shares. The redemption price of the Series F Preferred shares is $25.00 per share, plus the per share amount of
any declared and unpaid dividends. Whether or not our board of directors determines to proceed with <FONT STYLE="letter-spacing: -0.25pt">a
</FONT>redemption of the Series F Preferred shares, in whole or in part, we intend to use the remaining proceeds for <FONT STYLE="letter-spacing: -0.25pt">the
other purposes described above.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 5.7pt 0 2pt; text-indent: 29.85pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 1.95pt; text-indent: 29.9pt">This prospectus supplement does not constitute
a notice of redemption with respect to our Series F Preferred shares.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&nbsp;</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 5pt 0; text-align: center"><B><A NAME="a_008"></A>DIVIDEND POLICY</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">We historically have not paid any cash dividends on
our common stock and do not expect to do so in the foreseeable future.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">Any future determination relating to our common stock
dividend policy will be made at the discretion of Customers Bancorp&rsquo;s board of directors and will depend on a number of factors,
including earnings and financial condition, liquidity and capital requirements, the ability of Customers Bank to pay dividends to us and
the amount of such dividends, the general economic and regulatory climate, ability to service any equity or debt obligations senior to
our common stock, including obligations to pay dividends to the holders of Customers Bancorp's issued and outstanding shares of preferred
stock and other factors deemed relevant by our board of directors.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">As a Pennsylvania registered bank holding company currently regulated by the Federal Reserve, we are subject to statutory and regulatory
prohibitions and other limitations on our ability to declare and pay dividends on our common stock. Dividends on our common stock will
not be declared, paid or set aside for payment if we fail to comply, or if and to the extent such act would cause us to fail to comply,
with applicable laws and regulations. In particular, dividends on our common stock may not be declared or set aside for payment if and
to the extent such dividends would cause us to fail to comply with the capital adequacy rules of the Federal Reserve applicable to us.
The Federal Reserve also has the authority to prohibit or to limit the payment of dividends by a bank holding company if, in its opinion,
the bank holding company is engaged in or is about to engage in an unsafe or unsound practice. Federal Reserve policy also states that
dividends on capital stock should be paid from current earnings.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">Because almost all of our operating assets are owned by Customers Bank,
we rely primarily on dividends paid to us by Customers Bank to pay cash dividends to our preferred shareholders, to pay principal and
interest on our debt obligations and for dividends or distributions, if any, to our common shareholders or to repurchase our securities.
The Federal Reserve regulates all capital distributions, such as dividends, by Customers Bank directly or indirectly to us. Generally,
Customers Bank is required to pay dividends only from current earnings and from funds lawfully available, and cannot pay dividends in
excess of its current year&rsquo;s earnings, plus the last two years&rsquo; earnings, without prior Federal Reserve approval.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">In addition, Customers Bank may not pay dividends to
us if, after paying those dividends, it would fail to meet the required minimum levels under risk-based capital guidelines and the minimum
leverage and tangible capital ratio requirements or the Federal Reserve notified Customers Bank that it was in need of more than normal
supervision. Under the prompt corrective action provisions of the Federal Deposit Insurance Act, or the FDIA, an insured depository institution
such as Customers Bank is prohibited from making a capital distribution, including the payment of dividends, if, after making such distribution,
the institution would become &ldquo;undercapitalized&rdquo; (as such term is used in the FDIA). Payment of dividends by Customers Bank
also may be restricted at any time at the discretion of the Federal Reserve if it deems the payment to constitute an unsafe or unsound
banking practice.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">We are also subject to certain limitations under the
Pennsylvania Business Corporation Law of 1988, as amended, which prohibits payment of dividends if a corporation would be unable to pay
its debts as they become due, or the total assets of the corporation would be less than the sum of its total liabilities.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&nbsp;</P>

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


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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><A NAME="a_009"></A><B>CAPITALIZATION</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 5pt 0; text-indent: 0.5in">The following table sets forth our capitalization
as of June 30, 2025:<BR>
<BR>
</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: 7%">&nbsp;</TD>
    <TD STYLE="width: 2%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&bull;</FONT></TD>
    <TD STYLE="width: 2%">&nbsp;</TD>
    <TD STYLE="width: 89%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">on an actual basis; and</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&bull;</FONT></TD>
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">on an as adjusted basis after giving effect to our
    sale and issuance of&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;shares of common stock in
    this offering at a public offering price of
    $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;per share and our receipt of
    $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;in estimated net proceeds
    from this offering, after deducting the underwriting discount and estimated offering expenses of this offering, and assuming the
    full redemption of our Series F preferred shares and assuming the underwriters do not exercise their option to purchase additional
    shares.</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-indent: 0.5in; margin-right: 0; margin-left: 0">You should read the table below
in conjunction with &ldquo;Use of Proceeds&rdquo; and &ldquo;Dividend Policy&rdquo; appearing elsewhere in this prospectus supplement
and &ldquo;Management&rsquo;s Discussion and Analysis of Financial Condition and Results of Operations&rdquo; and our consolidated financial
statements and related notes to those statements in our Annual Report on Form 10-K for the year ended December 31, 2024 and our Quarterly
Reports on Form 10-Q for the three month period ended March 31, 2025 and the six month period ended June 30, 2025, incorporated by reference
into this prospectus supplement and the accompanying prospectus, as well as other filings and reports that we have incorporated by reference
into this prospectus supplement and the accompanying prospectus.</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: center">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="7" STYLE="text-align: center"><FONT STYLE="font-size: 10pt"><B>As of June 30, 2025 <BR>
(unaudited)</B></FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: center">&nbsp;</TD>
    <TD STYLE="padding-bottom: 1pt">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="border-bottom: black 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt"><B>Actual</B></FONT></TD>
    <TD STYLE="padding-bottom: 1pt">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="border-bottom: black 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt"><B>As Adjusted</B></FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: center">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="7" STYLE="text-align: center"><FONT STYLE="font-size: 10pt">&nbsp;<B>(dollars in thousands)</B></FONT></TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: #CCEEFF">
    <TD STYLE="width: 58%; padding-bottom: 1pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt"><B>Cash and cash equivalents</B></FONT></TD>
    <TD STYLE="width: 7%; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="width: 1%; border-bottom: black 1pt solid">&nbsp;</TD>
    <TD STYLE="width: 12%; border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-size: 10pt">3,503,511</FONT></TD>
    <TD STYLE="width: 1%; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="width: 7%; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="width: 1%; border-bottom: black 1pt solid">&nbsp;</TD>
    <TD STYLE="width: 12%; border-bottom: black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="width: 1%; padding-bottom: 1pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: white">
    <TD STYLE="padding-left: 5.4pt"><FONT STYLE="font-size: 10pt"><B>Liabilities</B></FONT></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt"></FONT></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt"> </FONT></TD>
    <TD>&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: #CCEEFF">
    <TD STYLE="padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">Total Deposits</FONT></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">18,976,018</FONT></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">18,976,018</FONT></TD>
    <TD>&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: white">
    <TD STYLE="padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">FHLB advances</FONT></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">1,195,377</FONT></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">1,195,377</FONT></TD>
    <TD>&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: #CCEEFF">
    <TD STYLE="padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">Other borrowings</FONT></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">99,138</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">99,138</TD>
    <TD>&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: white">
    <TD STYLE="padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">Subordinated debt</FONT></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">182,649</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">182,649</TD>
    <TD>&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: #CCEEFF">
    <TD STYLE="padding-bottom: 1pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">Accrued interest payable and other liabilities</FONT></TD>
    <TD STYLE="padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-size: 10pt">234,060</FONT></TD>
    <TD STYLE="padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-size: 10pt">234,060</FONT></TD>
    <TD STYLE="padding-bottom: 1pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: white">
    <TD STYLE="padding-bottom: 1pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt"><B>Total Labilities</B></FONT></TD>
    <TD STYLE="padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-size: 10pt">20,687,242</FONT></TD>
    <TD STYLE="padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-size: 10pt">20,687,242</FONT></TD>
    <TD STYLE="padding-bottom: 1pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: #CCEEFF">
    <TD STYLE="padding-left: 5.4pt"><FONT STYLE="font-size: 10pt"><B>Shareholders&rsquo; equity:</B></FONT></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: white">
    <TD STYLE="padding-left: 5.4pt">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: #CCEEFF">
    <TD STYLE="padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">Preferred stock, Series F, par value $1.00 per share; liquidation preference $25.00 per share; 3,400,000 shares issued and outstanding; <SUP>(1)</SUP></FONT></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">82,201</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">0</FONT></TD>
    <TD>&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: white">
    <TD STYLE="padding-left: 5.4pt">
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">Common stock, par value $1.00 per share; 200,000,000 shares authorized;</P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">36,122,879 shares issued and 31,606,934 shares outstanding (actual) and
    shares issued and shares outstanding (as adjusted)</P></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">36,123</FONT></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: #CCEEFF">
    <TD STYLE="padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Additional paid-in capital</FONT></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">572,473</FONT></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"></TD>
    <TD>&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: white">
    <TD STYLE="padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Retained earnings</FONT></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">1,391,380</FONT></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">1,391,380</FONT></TD>
    <TD>&nbsp;</TD></TR>
  <TR STYLE="background-color: #CCEEFF">
    <TD STYLE="vertical-align: bottom; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Accumulated other comprehensive income, net</FONT></TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right"><FONT STYLE="font-size: 10pt">(71,325</FONT></TD>
    <TD STYLE="vertical-align: top">)</TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 10pt">(71,325</FONT></TD>
    <TD STYLE="vertical-align: bottom">)</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: white">
    <TD STYLE="padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Treasury stock, at
    cost; 4,515,945 shares at June 30, 2025</FONT></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">(147,294</FONT></TD>
    <TD>)</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;<FONT STYLE="font-size: 10pt"></FONT></TD>
    <TD>&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: #CCEEFF">
    <TD STYLE="padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">Total shareholders&rsquo; equity</FONT></TD>
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">$</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">1,863,558</FONT></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">$</FONT></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: white">
    <TD STYLE="padding-bottom: 1pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt"><B>Total Liabilities and Shareholders&rsquo; Equity</B></FONT></TD>
    <TD STYLE="padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-size: 10pt">22,550,800</FONT></TD>
    <TD STYLE="padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="padding-bottom: 1pt">&nbsp;</TD></TR>
  </TABLE>

<P STYLE="font: 10pt/115% Times New Roman, Times, Serif; margin: 0 0 10pt">__________</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">(1) Subsequent to June 30, 2025, the Company has accrued $1.7 million
in dividends payable on the Series F Preferred Stock.</P>

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">For purposes of the
table above, the number of shares outstanding does not include, as of June 30, 2025: (i) 1,264,473 shares of common stock issuable
upon the exercise of outstanding stock options (both vested and unvested), at a weighted-average exercise price of $28.27 per
share; (ii) 835,943 shares of common stock underlying restricted stock units awarded but not yet vested; and (iii) 533,513
additional shares of common stock available for future issuance under our equity incentive plans and compensation agreements and
arrangements.</FONT></P>

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


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

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

<P STYLE="font: 10pt/12pt Times New Roman, Times, Serif; margin: 0; text-align: center"><FONT STYLE="letter-spacing: -0.2pt"><B><A NAME="a_010"></A>MATERIAL
U.S. FEDERAL INCOME TAX&nbsp;CONSIDERATIONS</B></FONT></P>

<P STYLE="font: 10pt/12pt Times New Roman, Times, Serif; margin: 0; text-align: center"><FONT STYLE="letter-spacing: 0.2pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt/11.5pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="letter-spacing: 0.2pt"></FONT></P>

<P STYLE="font: 10pt/11.5pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="letter-spacing: 0.2pt">The
following is a summary of the material United States federal income tax consequences relevant to non-U.S. holders, as defined below,
of the ownership and disposition of our common stock acquired in this offering. The following summary is based on the provisions of
the Internal Revenue Code of 1986, as amended (the &ldquo;Code&rdquo;), the applicable United States federal&nbsp;income tax
regulations promulgated under the Code (the &ldquo;Treasury Regulations&rdquo;) and judicial and administrative authority as of the
date hereof, all of which are subject to change, possibly with retroactive effect. We have not sought and do not plan to seek any
ruling from the Internal Revenue Service (the &ldquo;IRS&rdquo;) with respect to the statements made and the conclusions reached in
the following discussion, and we cannot assure you that the IRS or a court will agree with our statements and conclusions. This
summary does not consider the consequences related to state, local, gift, estate, or foreign tax, any alternative minimum tax
consequences or the consequences of Medicare tax on certain investment income, nor does it address tax consequences to special
classes of investors, including, but not limited to, tax-exempt organizations, insurance companies, banks or other financial
institutions, entities classified as partnerships for United States federal&nbsp;income tax purposes, dealers in securities,
regulated investment companies, real estate investment trusts, controlled foreign corporations, passive foreign investment
companies, United States expatriates or United States expatriated entities, those who are subject to the United States
anti-inversion rules, traders in securities that elect to use a mark-to-market method of accounting for U.S. federal income tax
purposes with respect to their securities holdings, persons who have acquired our common stock as compensation or otherwise in
connection with the performance of services, or persons that will hold our common stock as a position in a &ldquo;straddle,&rdquo;
&ldquo;conversion transaction,&rdquo; synthetic security or other integrated investment or risk reduction transaction. Tax
consequences may vary depending upon the particular status of an investor. The summary is limited to non-U.S. holders who will hold
our common stock as capital assets (generally, property held for investment) within the meaning of section 1221 of the Code. Each
potential non-U.S. investor should consult its own tax advisor as to the United States federal, state, local, foreign and any other
tax consequences of the ownership and disposition of our common stock.</FONT></P>
<P STYLE="font: 10pt/11.5pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="letter-spacing: 0.2pt"></FONT></P>

<P STYLE="font: 10pt/11.5pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt/11.5pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="letter-spacing: 0.2pt">You are
a &ldquo;non-U.S. holder&rdquo; if you are a beneficial owner of our common stock for United States federal&nbsp;income tax&nbsp;purposes
that is:</FONT></P>

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; background-color: white; border-collapse: collapse">
  <TR>
    <TD STYLE="width: 5%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; width: 3%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&bull;</FONT></TD>
    <TD STYLE="vertical-align: top; width: 1%">&nbsp;</TD>
    <TD STYLE="vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">a nonresident alien individual, other than certain former citizens and residents of the United States subject to U.S. tax as expatriates;</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; background-color: white">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; background-color: white; border-collapse: collapse">
  <TR>
    <TD STYLE="width: 5%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; width: 3%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&bull;</FONT></TD>
    <TD STYLE="vertical-align: top; width: 1%">&nbsp;</TD>
    <TD STYLE="vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: 0.2pt">a corporation (or other entity that is taxable as a corporation for United States federal income tax&nbsp;purposes) not created or organized in the United States or under the laws of the United States or of any State (or the District of Columbia)</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; background-color: white">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; background-color: white; border-collapse: collapse">
  <TR>
    <TD STYLE="width: 4%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; width: 3%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&bull;</FONT></TD>
    <TD STYLE="vertical-align: top; width: 1%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">an estate other than an estate the income of which is includible in gross income for United States federal income tax purposes regardless of its source; or</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; background-color: white">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; background-color: white; border-collapse: collapse">
  <TR>
    <TD STYLE="width: 4%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; width: 3%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&bull;</FONT></TD>
    <TD STYLE="vertical-align: top; width: 1%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">a trust other than a trust: (A) the administration of which is subject to the primary supervision of a United States court and which has one or more &ldquo;United States persons&rdquo; (as defined in Section 7701(a)(30) of the Code) who have the authority to control all substantial decisions of the trust; or (B) that has a valid election in effect under appropriate Treasury Regulations to be treated as a United States person.</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt/11.5pt Times New Roman, Times, Serif; margin: 0; text-indent: 20pt"><FONT STYLE="letter-spacing: 0.2pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt/107% Times New Roman, Times, Serif; margin: 0"></P>

<P STYLE="font: 10pt/12pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="letter-spacing: 0.2pt">If an entity
or arrangement treated as a partnership for United States federal&nbsp;</FONT>income tax <FONT STYLE="letter-spacing: 0.2pt">purposes
holds our common stock, the tax treatment of a partner in the partnership will generally depend upon the status of the partner and the
activities of the partnership. If you are treated as a partner in such an entity or arrangement holding our common stock, you should consult
your tax advisor as to the United States federal&nbsp;</FONT>income tax <FONT STYLE="letter-spacing: 0.2pt">consequences applicable to
you.</FONT></P>

<P STYLE="font: 10pt/12pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="letter-spacing: 0.2pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt/12pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="letter-spacing: 0.2pt"></FONT></P>

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<P STYLE="font: 10pt/12pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="letter-spacing: 0.2pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt/12pt Times New Roman, Times, Serif; margin: 0; text-indent: 20pt">&nbsp;</P>

<P STYLE="font: 10pt/12pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="letter-spacing: -0.2pt"><B>Distributions</B></FONT><FONT STYLE="letter-spacing: 0.2pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt/12pt Times New Roman, Times, Serif; margin: 0; text-indent: 20pt"><FONT STYLE="letter-spacing: 0.2pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt/12pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="letter-spacing: 0.2pt">Distributions
of cash or property (other than certain stock distributions) with respect to our common stock will be treated as dividends when paid to
the extent of our current and accumulated earnings and profits as determined for United States federal&nbsp;</FONT>income tax <FONT STYLE="letter-spacing: 0.2pt">purposes.
To the extent any such distributions exceed both our current and accumulated earnings and profits, such excess amount will first be treated
as a tax-free return of capital reducing your adjusted tax basis in our common stock, but not below zero, and thereafter will be treated
as gain from the sale or other taxable disposition of such stock, the treatment of which is discussed below under &ldquo;&mdash; Gain
on Disposition of Shares of Common Stock.&rdquo; Your adjusted tax basis in a share of our common stock is generally your purchase price
for such share, reduced (but not below zero) by the amount of such prior tax-free returns of capital.</FONT></P>

<P STYLE="font: 10pt/12pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="letter-spacing: 0.2pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt/11.5pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="letter-spacing: 0.2pt">Except as
described below, dividends paid to you are subject to withholding of United States federal&nbsp;</FONT>income tax <FONT STYLE="letter-spacing: 0.2pt">at
a 30% gross rate or at a lower rate if you are eligible for the benefits of an&nbsp;</FONT>income tax <FONT STYLE="letter-spacing: 0.2pt">treaty
that provides for a lower rate.</FONT></P>

<P STYLE="font: 10pt/11.5pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt/11.5pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="letter-spacing: 0.2pt">Even if
you are eligible for a lower treaty rate, we and other payors will generally be required to withhold at a 30% gross rate (rather than
the lower treaty rate) on dividends paid to you, unless you have furnished to us or our paying agent:</FONT></P>
<P STYLE="font: 10pt/11.5pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="letter-spacing: 0.2pt"></FONT></P>

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; background-color: white; border-collapse: collapse">
  <TR>
    <TD STYLE="width: 5%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; width: 3%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&bull;</FONT></TD>
    <TD STYLE="vertical-align: top; width: 1%">&nbsp;</TD>
    <TD STYLE="vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">a valid applicable IRS Form W-8 upon which you certify, under penalties
of perjury, your status as a non-U.S. person and your entitlement to the lower treaty rate with respect to such payments, or</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; background-color: white">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; background-color: white; border-collapse: collapse">
  <TR>
    <TD STYLE="width: 5%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; width: 3%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&bull;</FONT></TD>
    <TD STYLE="vertical-align: top; width: 1%">&nbsp;</TD>
    <TD STYLE="vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: 0.2pt">if our common stock is held through certain foreign intermediaries or foreign partnerships, other documentary evidence establishing your entitlement to the lower treaty rate in accordance with Treasury Regulations.</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; background-color: white">&nbsp;</P>

<P STYLE="font: 10pt/11.5pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="letter-spacing: 0.2pt">This valid
certification must be provided to us or our paying agent prior to the payment to you of any dividends and must be updated periodically,
including upon a change in circumstances that makes any information on such certificate incorrect. If you are eligible for a reduced rate
of U.S. withholding tax under a tax treaty, you may obtain a refund of any amounts withheld in excess of that rate by timely filing a
refund claim with the IRS.</FONT></P>

<P STYLE="font: 10pt/11.5pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt/12pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="letter-spacing: 0.2pt"></FONT></P>

<P STYLE="font: 10pt/12pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="letter-spacing: 0.2pt">If dividends
paid to you are &ldquo;effectively connected&rdquo; with your conduct of a trade or business within the United States, and, if required
by a tax treaty, the dividends are attributable to a permanent establishment or fixed base that you maintain in the United States, we
generally are not required to withhold tax from such dividends, provided that you have furnished to us or our paying agent a valid IRS
Form W-8ECI upon which you represent, under penalties of perjury, that:</FONT></P>
<P STYLE="font: 10pt/12pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="letter-spacing: 0.2pt"></FONT></P>

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; background-color: white; border-collapse: collapse">
  <TR>
    <TD STYLE="width: 5%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; width: 3%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&bull;</FONT></TD>
    <TD STYLE="vertical-align: top; width: 1%">&nbsp;</TD>
    <TD STYLE="vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">you are a non-U.S. person; and</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; background-color: white">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; background-color: white; border-collapse: collapse">
  <TR>
    <TD STYLE="width: 5%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; width: 3%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&bull;</FONT></TD>
    <TD STYLE="vertical-align: top; width: 1%">&nbsp;</TD>
    <TD STYLE="vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: 0.2pt">the dividends are effectively connected with your conduct of a trade or business within the United States and are includible in your gross income.</FONT></TD></TR>
  </TABLE>

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

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

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

<P STYLE="font: 10pt/12pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="letter-spacing: 0.2pt">&ldquo;Effectively
connected&rdquo; dividends, although not subject to withholding tax, are taxed on a net income basis at applicable graduated individual
or corporate tax rates in generally the same manner as if the non-U.S. holder were a United States person, unless an applicable income
tax&nbsp;treaty provides otherwise. If you are a corporate non-U.S. holder, &ldquo;effectively connected&rdquo; dividends that you receive
may, under certain circumstances, be subject to an additional &ldquo;branch profits tax&rdquo; at a 30% gross rate, or at a lower rate
if you are eligible for the benefits of an income tax&nbsp;treaty that provides for a lower rate.</FONT></P>

<P STYLE="font: 10pt/12pt Times New Roman, Times, Serif; margin: 0; text-indent: 20pt">&nbsp;</P>

<P STYLE="font: 10pt/12pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="letter-spacing: -0.2pt"><B>Gain on Disposition of Shares
of Common Stock</B></FONT><FONT STYLE="letter-spacing: 0.2pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt/12pt Times New Roman, Times, Serif; margin: 0; text-indent: 20pt"><FONT STYLE="letter-spacing: 0.2pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt/12pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"></P>

<P STYLE="font: 10pt/12pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="letter-spacing: 0.2pt">Subject to
the discussions below regarding backup withholding and FATCA, if you are a non-U.S. holder, you generally will not be subject to United
States federal income or withholding tax on gain realized on the sale, exchange or other disposition of our common stock unless (i) you
are an individual who is present in the United States for 183 or more days in the taxable year of the sale or other disposition and certain
other conditions exist, (ii) the gain is &ldquo;effectively connected&rdquo; with your conduct of a trade or business in the United States
(and the gain is attributable to a permanent establishment or fixed base that you maintain in the United States, if that is required by
an applicable income tax&nbsp;treaty); or (iii) we are or have been a U.S. real property holding corporation (&ldquo;USRPHC&rdquo;) for
United States federal&nbsp;income tax&nbsp;purposes at any time during the shorter of the five-year period ending on the date of the disposition
or the period that you held shares of our common stock, and certain other conditions are met.</FONT></P>

<P STYLE="font: 10pt/12pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt/12pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="letter-spacing: 0.2pt">If you are
an individual described in (i) above, you will be subject to a 30% tax (or such lower rate as may be specified by an applicable&nbsp;income
tax&nbsp; treaty) on the net gain derived from the sale, which may be offset by certain United States source capital losses, if any, recognized
in the taxable year of the disposition of our common stock. If you are a non-U.S. holder described in (ii) above, gain recognized on the
sale will generally be subject to United States federal&nbsp;income tax&nbsp; at graduated United States federal&nbsp;income tax&nbsp;
rates on a net income basis and in generally the same manner as if the non-U.S. holder were a United States person, unless an applicable&nbsp;income
tax&nbsp;treaty provides otherwise. Additionally, a non-U.S. holder that is a corporation may be subject to the branch profits tax equal
to 30% of its effectively connected earnings and profits, subject to certain adjustments, or at such lower rate as may be specified by
an applicable&nbsp;income tax&nbsp;treaty. We believe that we are not currently and will not become a USRPHC. If, however, we are or become
a USRPHC, so long as our common stock continues to be regularly traded on an established securities market, only a non-U.S. holder who
holds, or held (at any time during the shorter of the five-year period ending on the date of disposition or the non-U.S. holder&rsquo;s
holding period) more than 5% of our common stock will be subject to United States federal&nbsp;income tax&nbsp;on the disposition of the
common stock. Non-U.S. holders should consult their own tax advisors about the consequences if we are, or become, a USRPHC.</FONT></P>
<P STYLE="font: 10pt/12pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="letter-spacing: 0.2pt"></FONT></P>

<P STYLE="font: 10pt/12pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt/12pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="letter-spacing: 0.2pt">Non-U.S. holders
should consult their tax advisors regarding any applicable tax treaties that may provide different results.</FONT></P>

<P STYLE="font: 10pt/12pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt/12pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="letter-spacing: -0.2pt"><B>Information Reporting and
Backup Withholding</B></FONT></P>

<P STYLE="font: 10pt/12pt Times New Roman, Times, Serif; margin: 0"><B>&nbsp;</B></P>

<P STYLE="font: 10pt/12pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="letter-spacing: 0.2pt">Payments of
dividends, and the tax withheld on those payments, are subject to information reporting requirements. These information reporting requirements
apply regardless of whether withholding was reduced or eliminated by an applicable&nbsp;income tax&nbsp;treaty. Under the provisions of
an applicable&nbsp;income tax&nbsp;treaty or agreement, copies of the information returns reporting such dividends and withholding may
also be made available to the tax authorities in the country in which the non-U.S. holder resides. U.S. backup withholding will generally
apply on payment of dividends to non-U.S. holders unless such non-U.S. holders furnish to the payor a Form W-8BEN or Form W-8BEN-E (or
other applicable form), or otherwise establish an exemption and the payor does not have actual knowledge or reason to know that the holder
is a United States person that is not an exempt recipient or that the conditions of any other exemption are not, in fact, satisfied.</FONT></P>

<P STYLE="font: 10pt/12pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="letter-spacing: 0.2pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt/12pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="letter-spacing: 0.2pt"></FONT></P>

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<P STYLE="font: 10pt/12pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="letter-spacing: 0.2pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt/12pt Times New Roman, Times, Serif; margin: 0; text-indent: 20pt">&nbsp;</P>

<P STYLE="font: 10pt/12pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="letter-spacing: 0.2pt">Payment of
the proceeds of a sale or other disposition of our common stock within the United States or conducted through certain U.S.-related entities
and financial intermediaries is subject to information reporting and, depending on the circumstances, backup withholding, unless the non-U.S.
holder, or beneficial owner thereof, as applicable, certifies that it is a non-U.S. holder on Form W-8BEN, W-8BEN-E (or other applicable
form), or otherwise establishes an exemption and the payor does not have actual knowledge or reason to know the holder is a United States
person that is not an exempt recipient or that the conditions of any other exemption are not, in fact, satisfied.</FONT></P>

<P STYLE="font: 10pt/12pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt/12pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="letter-spacing: 0.2pt"></FONT></P>

<P STYLE="font: 10pt/12pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="letter-spacing: 0.2pt">Backup withholding
is not an additional tax. Any amount withheld under the backup withholding rules from a payment to a non-U.S. holder may be allowed as
a refund or a credit against the non-U.S. holder&rsquo;s United States federal&nbsp;income tax&nbsp;liability, provided that the non-U.S.
holder timely provides the required information to the IRS. Non-U.S. holders should consult their tax advisors regarding the application
of backup withholding in their particular circumstances and the availability of and procedure for obtaining an exemption from backup withholding
under current Treasury Regulations.</FONT></P>
<P STYLE="font: 10pt/12pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="letter-spacing: 0.2pt"></FONT></P>

<P STYLE="font: 10pt/12pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="letter-spacing: 0.2pt">&nbsp;&nbsp;</FONT></P>

<P STYLE="font: 10pt/12pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="letter-spacing: -0.2pt"><B>FATCA Withholding</B></FONT></P>

<P STYLE="font: 10pt/12pt Times New Roman, Times, Serif; margin: 0"><B>&nbsp;</B></P>

<P STYLE="font: 10pt/12pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="letter-spacing: 0.2pt">Sections 1471
through 1474 of the Code and the Treasury Regulations (commonly referred to as FATCA), imposes a 30% withholding tax on certain types
of payments made to &ldquo;foreign financial institutions,&rdquo; or &ldquo;FFIs,&rdquo; and certain other non-U.S. entities unless certain
due diligence, reporting, withholding, and certification requirements are satisfied.</FONT></P>

<P STYLE="font: 10pt/12pt Times New Roman, Times, Serif; margin: 0; text-indent: 20pt">&nbsp;</P>

<P STYLE="font: 10pt/12pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="letter-spacing: 0.2pt">As a general
matter, FATCA imposes a 30% withholding tax on dividends on our common stock if paid to a foreign entity unless (i) the foreign entity
is an FFI that undertakes certain due diligence, reporting, withholding, and certification obligations, or in the case of an FFI that
is a resident in a jurisdiction that has entered into an intergovernmental agreement to implement FATCA, the entity complies with the
diligence and reporting requirements of such an agreement; (ii) the foreign entity is not an FFI and either certifies that it does not
have any &ldquo;substantial&rdquo; U.S. owners or furnishes identifying information regarding each substantial U.S. owner, or (iii) the
foreign entity qualifies for an exemption from these rules. In certain cases, a &ldquo;substantial&rdquo; United States owner can mean
an owner of any interest in the foreign entity. An intergovernmental agreement between the United States and an applicable foreign country
may modify these requirements.</FONT></P>

<P STYLE="font: 10pt/12pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt/12pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="letter-spacing: 0.2pt">On December
13, 2018, the IRS and the Treasury Department issued proposed regulations that provide certain guidance and relief from the regulatory
burden associated with FATCA, or the Proposed Regulations. The Proposed Regulations provide that the gross proceeds from a disposition
of stock, such as our common stock, is no longer subject to the 30% withholding tax under FATCA. With limited exceptions, the preamble
to the Proposed Regulation provides that taxpayers can generally rely on the Proposed Regulations until final regulations are issued.</FONT></P>

<P STYLE="font: 10pt/12pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt/12pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="letter-spacing: 0.2pt">If withholding
is required under FATCA on a payment related to our common stock, investors that otherwise would be exempt from FATCA withholding (or
that otherwise would be entitled to a reduced rate of withholding) generally will be required to seek a refund or credit from the IRS
to obtain the benefit of such exemption or reduction (provided that such benefit is available) by filing a U.S. federal income tax return
(which may entail significant administrative burden).</FONT></P>
<P STYLE="font: 10pt/12pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="letter-spacing: 0.2pt"></FONT></P>

<P STYLE="font: 10pt/12pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt/12pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="letter-spacing: 0.2pt">Non-U.S. holders
are encouraged to consult with their tax advisors regarding the possible implications of FATCA on their investment in our common stock.</FONT></P>

<P STYLE="font: 10pt/12pt Times New Roman, Times, Serif; margin: 0; text-indent: 20pt">&nbsp;</P>

<P STYLE="font: 10pt/12pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><FONT STYLE="letter-spacing: -0.2pt"><B>The
foregoing summary is for general information only and is not intended to constitute a complete description of all U.S. federal&nbsp;</B></FONT><B><FONT STYLE="letter-spacing: 0.2pt">income
tax&nbsp;</FONT><FONT STYLE="letter-spacing: -0.2pt">consequences for non-U.S. holders relating to the purchase, ownership, and disposition
of shares of our common stock. If you are considering the purchase of shares of our common stock, you should consult with your tax advisor
concerning the particular U.S. federal&nbsp;</FONT><FONT STYLE="letter-spacing: 0.2pt">income tax&nbsp;</FONT><FONT STYLE="letter-spacing: -0.2pt">consequences
to you of the purchase, ownership and disposition of shares of our common stock, as well as the consequences to you arising under U.S.
tax laws other than the federal&nbsp;</FONT><FONT STYLE="letter-spacing: 0.2pt">income tax</FONT><FONT STYLE="letter-spacing: -0.2pt">&nbsp;law
discussed in this summary or under the laws of any other applicable taxing jurisdiction in light of your particular circumstances.</FONT></B></P>

<P STYLE="font: 10pt/11.5pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in; color: #00B050"><FONT STYLE="letter-spacing: 0.2pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt/11.5pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in; color: #00B050">&nbsp;</P>

<P STYLE="font: 10pt/12pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in; color: #00B050">&nbsp;</P>


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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B><A NAME="a_011"></A>UNDERWRITING<BR>
<BR>
</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in">Under the terms and subject to the conditions
in an underwriting agreement dated the date of this prospectus supplement, the underwriters named below, for whom Morgan Stanley &amp;
Co. LLC, Keefe, Bruyette &amp; Woods, Inc. and Raymond James &amp; Associates, Inc. are acting as representative, have severally agreed
to purchase, and we have agreed to sell to them, severally, the number of  shares of our common stock indicated below:</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 8%">&nbsp;</TD>
    <TD STYLE="width: 59%; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B><U>Name</U></B></FONT></TD>
    <TD STYLE="width: 20%; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B><U>Number of Shares</U></B></FONT></TD>
    <TD STYLE="width: 13%">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">Morgan Stanley &amp; Co. LLC</P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"></P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"></P></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">Keefe, Bruyette &amp; Woods, Inc.</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">Raymond James &amp; Associates, Inc.</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Total:</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in">The underwriters and the representative are
collectively referred to as the &ldquo;underwriters&rdquo; and the &ldquo;representative,&rdquo; respectively. The underwriters are offering
the shares of common stock subject to their acceptance of the shares of common stock from us and subject to prior sale. The underwriting
agreement provides that the obligations of the several underwriters to pay for and accept delivery of the shares of common stock offered
by this prospectus supplement are subject to the approval of certain legal matters by their counsel and to certain other conditions. The
underwriters are obligated to take and pay for all of the shares of common stock offered by this prospectus supplement if any such shares
of common stock are taken. However, the underwriters are not required to take or pay for the shares of common stock covered by the underwriters&rsquo;
option to purchase additional shares of common stock described below.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in">The underwriters initially propose to offer
part of the shares of common stock directly to the public at the offering price listed on the cover page of this prospectus supplement
and part to certain dealers at a price that represents a concession not in excess of $ &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;per
share of common stock under the public offering price. After the initial offering of the shares of common stock, the offering price and
other selling terms may from time to time be varied by the representative.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in">We have granted the underwriters the right
to purchase, exercisable within a 30-day period after the date of this prospectus supplement, up to an additional
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;shares of common stock at the public offering price listed on the cover
page of this prospectus supplement, less underwriting discounts and commissions. To the extent the option is exercised, each
underwriter will become obligated, subject to certain conditions, to purchase approximately the same percentage of the additional
shares of common stock as the number listed next to the underwriter&rsquo;s name in the preceding table bears to the total number of
shares of common stock listed next to the names of all underwriters in the preceding table.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in">The following table shows the per share and
total public offering price, underwriting discounts and commissions, and proceeds, before expenses, to us. These amounts are shown assuming
both no exercise and full exercise of the underwriters&rsquo; option to purchase up to an additional &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;shares of common stock.</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%; font: 10pt Times New Roman, Times, Serif">
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: center; padding-bottom: 1pt; padding-left: 5.4pt">&nbsp;</TD><TD STYLE="padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="padding-bottom: 1pt; text-align: left">&nbsp;</TD><TD STYLE="padding-bottom: 1pt; text-align: right">&nbsp;</TD><TD STYLE="padding-bottom: 1pt; text-align: left">&nbsp;</TD><TD STYLE="font-weight: bold; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-weight: bold; text-align: left">&nbsp;</TD><TD COLSPAN="5" STYLE="border-bottom: Black 1pt solid; font-weight: bold; text-align: right"><P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B>Total</B></P>

</TD><TD STYLE="padding-bottom: 1pt; text-align: left">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: center; padding-bottom: 1pt; padding-left: 5.4pt">&nbsp;</TD><TD STYLE="padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1pt solid; text-align: right"><DIV STYLE="padding: 0in 0in 1pt"><P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B>&nbsp;</B></P><P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B>&nbsp;</B></P><P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B>&nbsp;</B></P><P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B>Per Share</B></P> </DIV></TD><TD STYLE="padding-bottom: 1pt; text-align: left">&nbsp;</TD><TD STYLE="padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1pt solid; text-align: right"><DIV STYLE="padding: 0in 0in 1pt"><P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B>&nbsp;</B></P><P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B>&nbsp;</B></P><P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B>No<BR> Exercise</B></P> </DIV></TD><TD STYLE="padding-bottom: 1pt; text-align: left">&nbsp;</TD><TD STYLE="padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1pt solid; text-align: right"><DIV STYLE="padding: 0in 0in 1pt"><P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B>&nbsp;</B></P><P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B>&nbsp;</B></P><P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B>Full<BR> Exercise</B></P> </DIV></TD><TD STYLE="padding-bottom: 1pt; text-align: left">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="width: 8%">&nbsp;</TD>
    <TD STYLE="width: 42%; padding-left: 5.4pt">Public offering price</TD><TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: left">$</TD><TD STYLE="width: 12%; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#9;</FONT></TD><TD STYLE="width: 1%; text-align: left">&nbsp;</TD><TD STYLE="width: 2%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: left">$</TD><TD STYLE="width: 12%; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#9;</FONT></TD><TD STYLE="width: 1%; text-align: left">&nbsp;</TD><TD STYLE="width: 2%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: left">$</TD><TD STYLE="width: 12%; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#9;</FONT></TD><TD STYLE="width: 2%; text-align: left">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: left; padding-left: 5.4pt">Underwriting discounts and commissions to be paid by us</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">$</TD><TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#9;</FONT></TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">$</TD><TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#9;</FONT></TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">$</TD><TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#9;</FONT></TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: left; padding-left: 5.4pt">Proceeds, before expenses, to us</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">$</TD><TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#9;</FONT></TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">$</TD><TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#9;</FONT></TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">$</TD><TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#9;</FONT></TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
  </TABLE>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in">The estimated offering expenses payable by us,
exclusive of the underwriting discounts and commissions, are approximately $ . We have agreed to reimburse the underwriters for expense
relating to clearance of this offering with the Financial Industry Regulatory Authority.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in">Our common stock is listed on the New York
Stock Exchange under the trading symbol &ldquo;CUBI.&rdquo;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in">We have agreed for a period from the date of
this prospectus supplement through and including the date 90 days after the date hereof (the &ldquo;issuer restricted period&rdquo;) that,
without the prior written consent of Morgan Stanley &amp; Co. LLC, we will not, and will not publicly disclose an intention to (i) offer,
pledge, sell, contract to sell, sell any option or contract to purchase, purchase any option or contract to sell, grant any option, right
or warrant to purchase, lend, or otherwise transfer or dispose of, directly or indirectly, any shares of the common stock or any securities
convertible into or exercisable or exchangeable for the common stock or (ii) enter into any swap or other arrangement that transfers to
another, in whole or in part, any of the economic consequences of ownership of the common stock, whether any such transaction described
in clause (i) or (ii) above is to be settled by delivery of the common stock or such other securities, in cash or otherwise or (iii) file
any registration statement with the Commission relating to the offering of any shares of the common stock or any securities convertible
into or exercisable or exchangeable for the shares of the common stock. The restrictions contained in the foregoing sentence shall not
apply to (A) the shares to be sold in this offering, (B) the issuance by us of shares of the common stock upon the exercise of an option
or warrant or the conversion of a security outstanding on the date hereof as described herein, (C) grants of compensatory equity-based
awards made pursuant to compensatory equity-based plans as currently described in the our SEC filings incorporated by reference herein,
(D) any common stock issuable pursuant to any non-employee director stock compensation plan or program described in our SEC filings incorporated
by reference herein or (E) facilitating the establishment of a trading plan on behalf of a shareholder, officer or director of ours pursuant
to Rule 10b5-1 under the Exchange Act for the transfer of shares of the common stock, <I>provided </I>that (i) such plan does not provide
for the transfer of the common stock during the issuer restricted period and (ii) to the extent a public announcement or filing under
the Exchange Act, if any, is required of or voluntarily made by us regarding the establishment of such plan, such announcement or filing
shall include a statement to the effect that no transfer of the common stock may be made under such plan during the issuer restricted
period.</P>


<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in">For a period from the date of this
prospectus supplement through and including the date 60 days after the date hereof (the &ldquo;director and officer restricted
period&rdquo;), our directors and officers have agreed that, without the prior written consent of Morgan Stanley &amp; Co. LLC, they
will not, and will not publicly disclose an intention to, during the director and officer restricted period, (1) offer, pledge,
sell, contract to sell, sell any option or contract to purchase, purchase any option or contract to sell, grant any option, right or
warrant to purchase, lend, or otherwise transfer or dispose of, directly or indirectly, any shares of the common stock beneficially
owned (as such term is used in Rule 13d-3 of the Exchange Act), by the lock-up party or any other securities so owned convertible
into or exercisable or exchangeable for the common stock or (2) enter into any swap or other arrangement that transfers to another,
in whole or in part, any of the economic consequences of ownership of the common stock, whether any such transaction described in
clause (1) or (2) above is to be settled by delivery of the common stock or such other securities, in cash or otherwise.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in">The restrictions described above shall not
apply to (a) transactions relating to shares of the common stock or other securities acquired in open market transactions after the completion
of this offering, <I>provided</I> that no filing under Section 16(a) of the Exchange Act shall be required or shall be voluntarily made
in connection with subsequent sales of the common stock or other securities acquired in such open market transactions, (b) transfers
of shares of common stock or any security convertible into Common Stock as a bona fide gift or gifts, (c) transfers of shares of common
stock or any security convertible into the common stock by will, other testamentary document, or intestate succession, (d) transfers
of shares of the common stock to any trust for the direct or indirect benefit of the lock-up party or the immediate family of the lock-up
party, <I>provided </I>that any such transfer shall not involve a disposition for value, or (e) distributions of shares of the common
stock or any security convertible into the common stock to limited partners or stockholders of the undersigned; <I>provided</I> that
in the case of any transfer or distribution pursuant to clauses (b) to (e), (i) each donee or distributee shall sign and deliver a lock
up agreement and (ii) no filing under Section 16(a) of the Exchange Act, reporting a reduction in beneficial ownership of shares of the
common stock, shall be required or shall be voluntarily made during the director and officer restricted period (other than a filing on
a Form 5 made after the expiration of the director and officer restricted period and any required Schedule 13G (or 13G/A) or 13F filing,
or in the case of clause (b) only, a filing on a Form 4 which shall clearly indicate in the footnote thereto the nature and conditions
of such transfer), (f) transfers of shares of the common stock pursuant to an order of a court, <I>provided </I>that (i) the recipient
shall sign and deliver a lock-up agreement and (ii) any filing under Section 16(a) of the Exchange Act, reporting a reduction in beneficial
ownership of shares of the common stock shall state that such transfer is pursuant to court order, unless such a statement would be prohibited
by such order or applicable law, (g) transfers of shares of the common stock to us or our affiliates upon death, disability, termination
of employment, or in connection with the withholding of shares by us to cover federal, state, local, or foreign tax obligations, or (h)
facilitating the establishment of a trading plan on behalf of a shareholder, officer or director of ours pursuant to Rule 10b5-1 under
the Exchange Act for the transfer of shares of the common stock, <I>provided </I>that (i) such plan does not provide for the transfer
of the common stock during the director and officer restricted period and (ii) to the extent a public announcement or filing under the
Exchange Act, if any, is required of or voluntarily made regarding the establishment of such plan, such announcement or filing shall
include a statement to the effect that no transfer of the common stock may be made under such plan during the director and officer restricted
period. In addition, they have agreed that, without the prior written consent of Morgan Stanley &amp; Co. LLC, they will not, during
the director and officer restricted period, make any demand for or exercise any right with respect to, the registration of any shares
of the common stock or any security convertible into or exercisable or exchangeable for the common stock.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 6pt; margin-left: 0pt; text-indent: 0pt; text-align: justify"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in"><FONT STYLE="line-height: 115%">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in">In order to facilitate the offering of the common
stock, the underwriters may engage in transactions that stabilize, maintain or otherwise affect the price of the common stock. Specifically,
the underwriters may sell more shares than they are obligated to purchase under the underwriting agreement, creating a short position.
A short sale is covered if the short position is no greater than the number of shares available for purchase by the underwriters under
the option. The underwriters can close out a covered short sale by exercising the option or purchasing shares in the open market. In determining
the source of shares to close out a covered short sale, the underwriters will consider, among other things, the open market price of shares
compared to the price available under the option. The underwriters may also sell shares in excess of the option, creating a naked short
position. The underwriters must close out any naked short position by purchasing shares in the open market. A naked short position is
more likely to be created if the underwriters are concerned that there may be downward pressure on the price of the common stock in the
open market after pricing that could adversely affect investors who purchase in this offering. As an additional means of facilitating
this offering, the underwriters may bid for, and purchase, shares of common stock in the open market to stabilize the price of the common
stock. These activities may raise or maintain the market price of the common stock above independent market levels or prevent or retard
a decline in the market price of the common stock. The underwriters are not required to engage in these activities and may end any of
these activities at any time.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in">We and the underwriters have agreed to indemnify
each other against certain liabilities, including liabilities under the Securities Act.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in">A prospectus supplement in electronic format
may be made available on websites maintained by one or more underwriters, or selling group members, if any, participating in this offering.
The representative may agree to allocate a number of shares of common stock to underwriters for sale to their online brokerage account holders. Internet
distributions will be allocated by the representative to underwriters that may make Internet distributions on the same basis as other
allocations.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in">The underwriters and their respective affiliates
are full service financial institutions engaged in various activities, which may include securities trading, commercial and investment
banking, financial advisory, investment management, investment research, principal investment, hedging, financing and brokerage activities.
Certain of the underwriters and their respective affiliates have, from time to time, performed, and may in the future perform, various
financial advisory and investment banking services for us, for which they received or will receive customary fees and expenses.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in">In addition, in the ordinary course of their
various business activities, the underwriters and their respective affiliates may make or hold a broad array of investments and actively
trade debt and equity securities (or related derivative securities) and financial instruments (including bank loans) for their own account
and for the accounts of their customers and may at any time hold long and short positions in such securities and instruments. Such investment
and securities activities may involve our securities and instruments. The underwriters and their respective affiliates may also make investment
recommendations or publish or express independent research views in respect of such securities or instruments and may at any time hold,
or recommend to clients that they acquire, long or short positions in such securities and instruments.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt"><B>Selling Restrictions</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt"><B><I>European Economic Area</I></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in">In relation to each Member State of the European
Economic Area (each, a &ldquo;Relevant State&rdquo;), no shares of common stock have been offered or will be offered pursuant to the offering to the
public in that Relevant State prior to the publication of a prospectus in relation to the shares of common stock which has been approved by the competent
authority in that Relevant State or, where appropriate, approved in another Relevant State and notified to the competent authority in
that Relevant State, all in accordance with the Prospectus Regulation, except that offers of shares of common stock may be made to the public in that
Relevant State at any time under the following exemptions under the Prospectus Regulation:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt 0.5in">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;to any legal
entity which is a qualified investor as defined under Article 2 of the Prospectus Regulation;</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt 0.5in">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;to fewer than
150 natural or legal persons (other than qualified investors as defined under Article 2 of the Prospectus Regulation), subject to obtaining
the prior consent of the representative for any such offer; or</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt 0.5in">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;in any other
circumstances falling within Article 1(4) of the Prospectus Regulation,</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt"><I>provided that</I> no such offer of shares of common stock shall require us
or any representative to publish a prospectus pursuant to Article 3 of the Prospectus Regulation or supplement a prospectus pursuant to
Article 23 of the Prospectus Regulation.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in">For the purposes of this provision, the expression
an &ldquo;offer to the public&rdquo; in relation to the shares of common stock in any Relevant State means the communication in any form and by any
means of sufficient information on the terms of the offer and any shares of common stock to be offered so as to enable an investor to decide to purchase
or subscribe for any shares of common stock, and the expression &ldquo;Prospectus Regulation&rdquo; means Regulation (EU) 2017/1129 (as amended).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt"><B><I>United Kingdom</I></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in">No shares of common stock have been offered or will be offered
pursuant to the offering to the public in the United Kingdom prior to the publication of a prospectus in relation to the shares of common stock which
either (i) has been approved by the Financial Conduct Authority, or (ii) is to be treated as if it had been approved by the Financial
Conduct Authority in accordance with the transitional provisions in Article 74 (transitional provisions) of the Prospectus Amendment etc.
(EU Exit) Regulations 2019/1234, except that offers of shares of common stock may be made to the public in the United Kingdom at any time under the
following exemptions under the UK Prospectus Regulation:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;to
any legal entity which is a qualified investor as defined under Article 2 of the UK Prospectus Regulation;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;to
fewer than 150 natural or legal persons (other than qualified investors as defined under Article 2 of the UK Prospectus Regulation), subject
to obtaining the prior consent of the representative for any such offer; or</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;in
any other circumstances falling within Section 86 of the Financial Services and Markets Act 2000 (&lsquo;FSMA&rdquo;),</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt"><I>provided</I> that no such offer of shares of common stock shall require us
or any representative to publish a prospectus pursuant to Section 85 of the FSMA or supplement a prospectus pursuant to Article 23 of
the UK Prospectus Regulation.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in">For the purposes of this provision, the expression
an &ldquo;offer to the public&rdquo; in relation to the shares of common stock in the United Kingdom means the communication in any form and by any
means of sufficient information on the terms of the offer and any shares of common stock to be offered so as to enable an investor to decide to purchase
or subscribe for any shares of common stock, and the expression &ldquo;UK Prospectus Regulation&rdquo; means Regulation (EU) 2017/1129 as it forms part
of domestic law by virtue of the European Union (Withdrawal) Act 2018.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt"><B><I>Australia</I></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in">No placement document, prospectus, product disclosure
statement or other disclosure document has been lodged with the Australian Securities and Investments Commission, or the ASIC, in relation
to the offering. This prospectus supplement does not constitute a prospectus, product disclosure statement or other disclosure document
under the Corporations Act 2001, or the Corporations Act, and does not purport to include the information required for a prospectus, product
disclosure statement or other disclosure document under the Corporations Act.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in">Any offer in Australia of the shares of common stock may only
be made to persons, referred to as the Exempt Investors, who are &ldquo;sophisticated investors&rdquo; (within the meaning of section
708(8) of the Corporations Act), &ldquo;professional investors&rdquo; (within the meaning of section 708(11) of the Corporations Act)
or otherwise pursuant to one or more exemptions contained in section 708 of the Corporations Act so that it is lawful to offer the shares of common stock
without disclosure to investors under Chapter 6D of the Corporations Act.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in">The shares of common stock applied for by Exempt Investors
in Australia must not be offered for sale in Australia in the period of 12 months after the date of allotment under the offering, except
in circumstances where disclosure to investors under Chapter 6D of the Corporations Act would not be required pursuant to an exemption
under section 708 of the Corporations Act or otherwise or where the offer is pursuant to a disclosure document which complies with Chapter
6D of the Corporations Act. Any person acquiring shares of common stock must observe such Australian on-sale restrictions.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in">This prospectus supplement contains general
information only and does not take account of the investment objectives, financial situation or particular needs of any particular person.
It does not contain any securities recommendations or financial product advice. Before making an investment decision, investors need to
consider whether the information in this prospectus supplement is appropriate to their needs, objectives and circumstances, and, if necessary,
seek expert advice on those matters.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt"><B><I>Canada</I></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in">The shares of common stock may be sold only to purchasers
purchasing, or deemed to be purchasing, as principal that are accredited investors, as defined in National Instrument 45-106 <I>Prospectus
Exemptions</I> or subsection 73.3(1) of the <I>Securities Act</I> (Ontario), and are permitted clients, as defined in National Instrument
31-103 <I>Registration Requirements, Exemptions and Ongoing Registrant Obligations</I>. Any resale of the shares of common stock must be made in accordance
with an exemption from, or in a transaction not subject to, the prospectus requirements of applicable securities laws.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in">Securities legislation in certain provinces
or territories of Canada may provide a purchaser with remedies for rescission or damages if this prospectus supplement (including any
amendment thereto) contains a misrepresentation, provided that the remedies for rescission or damages are exercised by the purchaser within
the time limit prescribed by the securities legislation of the purchaser&rsquo;s province or territory. The purchaser should refer to
any applicable provisions of the securities legislation of the purchaser&rsquo;s province or territory for particulars of these rights
or consult with a legal advisor.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in">Pursuant to section 3A.3 (or, in the case of
securities issued or guaranteed by the government of a non-Canadian jurisdiction, section 3A.4) of National Instrument 33-105 <I>Underwriting
Conflicts</I> (NI 33-105), the underwriters are not required to comply with the disclosure requirements of NI 33-105 regarding underwriter
conflicts of interest in connection with this offering.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt"><B><I>Switzerland</I></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in">The shares may not be publicly offered in Switzerland
and will not be listed on the SIX Swiss Exchange (&ldquo;SIX&rdquo;) or on any other stock exchange or regulated trading facility in Switzerland.
This document has been prepared without regard to the disclosure standards for issuance prospectuses under art. 652a or art. 1156 of the
Swiss Code of Obligations or the disclosure standards for listing prospectuses under art. 27 ff. of the SIX Listing Rules or the listing
rules of any other stock exchange or regulated trading facility in Switzerland. Neither this document nor any other offering or marketing
material relating to the shares or the offering may be publicly distributed or otherwise made publicly available in Switzerland.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in">Neither this document nor any other offering
or marketing material relating to the offering, the Company or the shares have been or will be filed with or approved by any Swiss regulatory
authority. In particular, this document will not be filed with, and the offer of shares will not be supervised by, the Swiss Financial
Market Supervisory Authority FINMA (FINMA), and the offer of shares has not been and will not be authorized under the Swiss Federal Act
on Collective Investment Schemes (&ldquo;CISA&rdquo;). The investor protection afforded to acquirers of interests in collective investment
schemes under the CISA does not extend to acquirers of shares.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt"><B><I>Hong Kong</I></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in">The shares have not been offered or sold and
will not be offered or sold in Hong Kong, by means of any document, other than (a) to &ldquo;professional investors&rdquo; as defined
in the Securities and Futures Ordinance (Cap. 571) of Hong Kong and any rules made under that Ordinance; or (b) in other circumstances
which do not result in the document being a &ldquo;prospectus&rdquo; as defined in the Companies Ordinance (Cap. 32) of Hong Kong or which
do not constitute an offer to the public within the meaning of that Ordinance. No advertisement, invitation or document relating to the
shares has been or may be issued or has been or may be in the possession of any person for the purposes of issue, whether in Hong Kong
or elsewhere, which is directed at, or the contents of which are likely to be accessed or read by, the public of Hong Kong (except if
permitted to do so under the securities laws of Hong Kong) other than with respect to shares which are or are intended to be disposed
of only to persons outside Hong Kong or only to &ldquo;professional investors&rdquo; as defined in the Securities and Futures Ordinance
and any rules made under that Ordinance.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt"><B><I>Singapore</I></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in">This prospectus supplement has not been registered
as a prospectus with the Monetary Authority of Singapore. Accordingly, the shares were not offered or sold or caused to be made the subject
of an invitation for subscription or purchase and will not be offered or sold or caused to be made the subject of an invitation for subscription
or purchase, and this prospectus supplement or any other document or material in connection with the offer or sale, or invitation for
subscription or purchase, of the shares, has not been circulated or distributed, nor will it be circulated or distributed, whether directly
or indirectly, to any person in Singapore other than (i) to an institutional investor (as defined in Section 4A of the Securities and
Futures Act (Chapter 289) of Singapore, as modified or amended from time to time (the &ldquo;SFA&rdquo;)) pursuant to Section 274 of the
SFA, (ii) to a relevant person (as defined in Section 275(2) of the SFA) pursuant to Section 275(1) of the SFA, or any person pursuant
to Section 275(1A) of the SFA, and in accordance with the conditions specified in Section 275 of the SFA, or (iii) otherwise pursuant
to, and in accordance with the conditions of, any other applicable provision of the SFA.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt 0.5in">Where the shares are subscribed or purchased under Section
275 of the SFA by a relevant person which is:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt 0.5in">(a) a corporation (which is not an accredited investor (as
defined in Section 4A of the SFA)) the sole business of which is to hold investments and the entire share capital of which is owned by
one or more individuals, each of whom is an accredited investor; or</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt 0.5in">(b) a trust (where the trustee is not an accredited investor)
whose sole purpose is to hold investments and each beneficiary of the trust is an individual who is an accredited investor,</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in">securities or securities-based derivatives contracts
(each term as defined in Section 2(1) of the SFA) of that corporation or the beneficiaries&rsquo; rights and interest (howsoever described)
in that trust shall not be transferred within six months after that corporation or that trust has acquired the shares pursuant to an offer
made under Section 275 of the SFA except:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt 0.5in">(a) an institutional investor or to a relevant person, or
to any person arising from an offer referred to in Section 275(1A) or Section 276(4)(i)(B) of the SFA;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt 0.5in">(b) where no consideration is or will be given for the transfer;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt 0.5in">(c) where the transfer is by operation of law; or</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt 0.5in">(d) as specified in Section 276(7) of the SFA.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in">&nbsp;</P>


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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><A NAME="a_012"></A><B>LEGAL MATTERS</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">The validity of the shares of common stock offered
hereby will be passed upon for us by Stradley Ronon Stevens &amp; Young, LLP, Philadelphia, Pennsylvania. Certain legal matters relating
to this offering will be passed upon for the underwriters by Davis Polk &amp; Wardwell LLP, New York, New York.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B><A NAME="a_013"></A>EXPERTS</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">The consolidated financial statements as of December
31, 2024 and 2023, and for each of the three years in the period ended December 31, 2024, incorporated by reference in this prospectus
supplement by reference from Customers Bancorp, Inc.&rsquo;s Annual Report on Form 10-K for the year ended December 31, 2024, and the
effectiveness of the Customers Bancorp, Inc.&rsquo;s internal control over financial reporting have been audited by Deloitte &amp; Touche
LLP, an independent registered public accounting firm, as stated in their reports. Such financial statements are incorporated by reference
in reliance upon the reports of such firm given their authority as experts in accounting and auditing.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><A NAME="a_014"></A><B>INCORPORATION OF CERTAIN DOCUMENTS BY REFERENCE
</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">The SEC allows us to incorporate by reference information
into this prospectus supplement and the accompanying prospectus. This means that we can disclose important information to you by referring
you to another document filed separately with the SEC. The information incorporated by reference is considered to be part of this prospectus
supplement and the accompanying prospectus, except for any information that is superseded by subsequent incorporated documents or by information
that is included directly in this prospectus supplement, any additional prospectus supplement or any related free writing prospectus.
We incorporate by reference the documents listed below and any future filings we make with the SEC after the date of this prospectus supplement
and until the termination of the offering of securities hereby under Sections 13(a), 13(c), 14 or 15(d) of the Exchange Act (other than,
in each case, documents or information that is deemed, under the Exchange Act, in accordance with the Exchange Act and SEC rules, to be
&ldquo;furnished&rdquo; and not filed with the SEC):</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&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: 5%; padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="width: 3%; padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&bull;</FONT></TD>
    <TD STYLE="width: 2%; padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="width: 90%; padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Our Annual Report on <A HREF="http://www.sec.gov/Archives/edgar/data/1488813/000148881325000013/cubi-20241231.htm" STYLE="-sec-extract: exhibit">Form 10-K</A> for the year ended December 31, 2024, filed with the SEC on February 28, 2025 (including the information specifically incorporated by reference therein from our <A HREF="http://www.sec.gov/Archives/edgar/data/1488813/000148881325000025/cubi-20250416.htm" STYLE="-sec-extract: exhibit">Definitive Proxy Statement</A> on Schedule 14A, filed with the SEC on April 16, 2025);</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&bull;</FONT></TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Our Quarterly Report on <A HREF="http://www.sec.gov/Archives/edgar/data/1488813/000148881325000037/cubi-20250331.htm" STYLE="-sec-extract: exhibit">Form 10-Q</A> for the quarter ended March 31, 2025, filed with the SEC on May 9, 2025;</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&bull;</FONT></TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Our Quarterly Report on <A HREF="http://www.sec.gov/Archives/edgar/data/1488813/000148881325000071/cubi-20250630.htm" STYLE="-sec-extract: exhibit">Form 10-Q</A> for the quarter ended June 30, 2025, filed with the SEC on August 7, 2025</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&bull;</FONT></TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Our Current Reports on Form 8-K filed with the SEC on <A HREF="https://www.sec.gov/ix?doc=/Archives/edgar/data/1488813/000148881325000018/cubi-20250328.htm" STYLE="-sec-extract: exhibit">April 2, 2025</A>, <A HREF="http://www.sec.gov/Archives/edgar/data/1488813/000148881325000044/cubi-20250514.htm" STYLE="-sec-extract: exhibit">May
14, 2025</A>, <A HREF="http://www.sec.gov/Archives/edgar/data/1488813/000148881325000047/cubi-20250527.htm" STYLE="-sec-extract: exhibit">May 28, 2025</A>, <A HREF="http://www.sec.gov/Archives/edgar/data/1488813/000148881325000050/cubi-20250528.htm" STYLE="-sec-extract: exhibit">June 2, 2025</A>, <A HREF="http://www.sec.gov/Archives/edgar/data/1488813/000148881325000057/cubi-20250528.htm" STYLE="-sec-extract: exhibit">June 11, 2025 (Form 8-K/A)</A> and <A HREF="http://www.sec.gov/Archives/edgar/data/1488813/000148881325000064/cubi-20250725.htm" STYLE="-sec-extract: exhibit">July 25, 2025</A>; and</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&bull;</FONT></TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">The description of our common stock contained set forth in <A HREF="http://www.sec.gov/Archives/edgar/data/1488813/000148881320000033/cubi-12312019xex47.htm" STYLE="-sec-extract: exhibit">Exhibit 4.7</A> to our Annual Report on Form 10-K for the fiscal year ended December 31, 2019, filed with the SEC on March 2, 2020, and any amendment or report filed for the purpose of updating such description.</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">You may obtain a copy of any or all of the documents
incorporated by reference in this prospectus supplement and the accompanying prospectus from the SEC on its web site at www.sec.gov. You
also may obtain these documents from us without charge (other than an exhibit to a document unless that exhibit is specifically incorporated
by reference into that document) by requesting them from Andrew Sachs, Corporate Secretary, Customers Bancorp, Inc., 701 Reading Avenue,
West Reading, PA 19611; telephone (610) 933-2000.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><A NAME="a_015"></A><B>WHERE YOU CAN FIND MORE INFORMATION</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">We file annual, quarterly and current reports, proxy
statements and other information with the SEC. These filings are available to the public over the Internet at the SEC&rsquo;s website
at www.sec.gov. The reports and other information we file with the SEC are also available at our website at www.customersbank.com. We
have included the web addresses for the SEC and us as inactive textual references only. Except as specifically incorporated by reference
into this prospectus, information on those websites does not constitute part of this prospectus.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&nbsp;</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">We have also filed a registration statement on Form
S-3 with the SEC relating to the securities offered by this prospectus supplement and the accompanying prospectus. This prospectus supplement
and the accompanying prospectus are parts of the registration statement and, as permitted by the SEC&rsquo;s rules, does not contain all
the information required to be set forth in the registration statement. We believe that we have included or incorporated by reference
all information material to investors in this prospectus supplement and the accompanying prospectus, but some details that may be important
for specific investment purposes have not been included. For further information, you should read the registration statement and the exhibits
filed with or incorporated by reference into the registration statement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&nbsp;</P>


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

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



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

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

<P STYLE="font: 10pt/115% Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: center"><B>&nbsp;</B></P>

<P STYLE="font: 10pt/115% Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: center"><IMG SRC="cubilogo.jpg" ALT="Customers Bancorp Logo" STYLE="width: 270px; height: 65px"><B>&nbsp;</B></P>

<P STYLE="font: 10pt/115% Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: center"><FONT STYLE="font-size: 24pt"><B>Customers
Bancorp, Inc.</B></FONT></P>

<P STYLE="font: 10pt/115% Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: center"><FONT STYLE="font-size: 14pt"><B>&nbsp;</B></FONT></P>

<P STYLE="font: 10pt/115% Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: center"><FONT STYLE="font-size: 14pt"><B>Voting
Common Stock<BR>
Class B Non-Voting Common Stock<BR>
Preferred Stock<BR>
Debt Securities<BR>
Depositary Shares<BR>
Warrants<BR>
Units</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">We may offer and sell the securities identified above
from time to time, in one or more transactions. We may also issue common stock, preferred stock, debt securities or depositary shares
upon the conversion, exchange or exercise of certain of the securities identified above. This prospectus provides you with a general description
of these securities. Each time we offer any securities pursuant to this prospectus, we will provide you with a prospectus supplement describing
the specific terms of the securities being offered, including the price of the securities. The prospectus supplements and any related
free writing prospectus also may add, update or change information contained in this prospectus. You should carefully read this prospectus,
the applicable prospectus supplement and any related free writing prospectus, together with the documents incorporated by reference in
this prospectus and any prospectus supplement, before you decide to invest in any of our securities. This prospectus may not be used to
sell securities unless it is accompanied by a prospectus supplement that further describes the securities being offered and sold to you.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">We may offer and sell these securities to or through
one or more agents, dealers or underwriters as designated by us from time to time, or directly to purchasers or through a combination
of these methods, on a continuous or delayed basis. If any agents, dealers or underwriters are involved in the offer and sale of any securities,
the applicable prospectus supplement will set forth their names and any applicable purchase price, fee, commission or discount arrangement
with, between or among them, or such amount will be calculable from the information set forth therein. For additional information, see
&ldquo;Plan of Distribution.&rdquo; No securities may be sold without delivery of this prospectus and a prospectus supplement describing
the method and terms of the offering of those securities.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">Our common stock is listed on the New York Stock Exchange
under the symbol &ldquo;CUBI.&rdquo;</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">Unless otherwise indicated in the applicable prospectus
supplement, the other securities offered hereby will not be listed on a national securities exchange.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">Our principal executive offices are located at 701
Reading Avenue, West Reading, Pennsylvania, 19611. Our telephone number is (610) 993-2000.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><B>These securities are not savings accounts, deposits
or other obligations of our bank or non-bank subsidiaries and are not insured or guaranteed by the Federal Deposit Insurance Corporation,
or the FDIC, or any other government agency.</B>&nbsp;</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><B>Investing in our securities involves risks. See
&ldquo;<A HREF="#riskfactors">Risk Factors</A>&rdquo; beginning on page 2 of this prospectus, as well as those risk factors contained in any prospectus supplement
we file and in our reports filed with the Securities and Exchange Commission, or the SEC, that are incorporated or deemed to be incorporated
by reference herein or in any applicable prospectus supplement, to read about other risk factors you should consider before making a decision
to invest in any of our securities.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><B></B></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><B>&nbsp;</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><B>None of the SEC, any state securities commission,
the Board of Governors of the Federal Reserve System, or the Federal Reserve, the FDIC or 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.</B></P>

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">The date of this prospectus is September 3, 2025</P>

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

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<P STYLE="font: 10pt/115% Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: center"><B>&nbsp;</B></P>

<P STYLE="font: 10pt/115% Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: center"><B>&nbsp;</B></P>

<P STYLE="font: 10pt/115% Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: center"><B>TABLE OF CONTENTS</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 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: 86%; text-align: justify">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: justify">&nbsp;</TD>
    <TD STYLE="width: 13%; text-align: center"><FONT STYLE="font-size: 10pt"><U>PAGE</U></FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: center">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-align: justify"><FONT STYLE="font-size: 10pt"><A HREF="#about">ABOUT THIS PROSPECTUS</A></FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: center">ii</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-align: justify"><FONT STYLE="font-size: 10pt"><A HREF="#cautionary">CAUTIONARY NOTE REGARDING FORWARD-LOOKING STATEMENTS</A></FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: center">iii</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-align: justify"><A HREF="#summary">SUMMARY</A></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: center">1</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-align: justify"><FONT STYLE="font-size: 10pt"><A HREF="#riskfactors">RISK FACTORS</A></FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: center">2</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-align: justify"><FONT STYLE="font-size: 10pt"><A HREF="#useofproceeds">USE OF PROCEEDS</A></FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: center">3</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-align: justify"><FONT STYLE="font-size: 10pt"><A HREF="#descriptionofsecurities">DESCRIPTION OF THE SECURITIES</A></FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: center">4</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-size: 10pt"><A HREF="#descriptionofcommonstock">DESCRIPTION OF COMMON STOCK</A></FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: center">4</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-align: justify"><FONT STYLE="font-size: 10pt"><A HREF="#descriptionofpreferredstock">DESCRIPTION OF PREFERRED STOCK</A></FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: center">8</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-align: justify"><FONT STYLE="font-size: 10pt"><A HREF="#descriptionofdebt">DESCRIPTION OF DEBT SECURITIES</A></FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: center">11</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-align: justify"><FONT STYLE="font-size: 10pt"><A HREF="#depositaryshares">DESCRIPTION OF DEPOSITARY SHARES</A></FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: center">22</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-align: justify"><FONT STYLE="font-size: 10pt"><A HREF="#warrants">DESCRIPTION OF WARRANTS</A></FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: center">25</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-align: justify"><FONT STYLE="font-size: 10pt"><A HREF="#units">DESCRIPTION OF UNITS</A></FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: center">26</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-align: justify"><FONT STYLE="font-size: 10pt"><A HREF="#plan">PLAN OF DISTRIBUTION</A></FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: center">28</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-align: justify"><FONT STYLE="font-size: 10pt"><A HREF="#legal">LEGAL MATTERS</A></FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: center">31</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-align: justify"><FONT STYLE="font-size: 10pt"><A HREF="#experts">EXPERTS</A></FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: center">31</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-align: justify"><FONT STYLE="font-size: 10pt"><A HREF="#reference">INCORPORATION OF CERTAIN DOCUMENTS BY REFERENCE</A></FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: center">31</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-align: justify"><FONT STYLE="font-size: 10pt"><A HREF="#findmore">WHERE YOU CAN FIND MORE INFORMATION</A></FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: center">32</TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%">
  <TR>
    <TD STYLE="width: 100%; text-align: center">&nbsp;</TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 6pt 0">&nbsp;</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 6pt 0"><BR STYLE="clear: both">
</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B><A NAME="about"></A>ABOUT THIS PROSPECTUS</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-indent: 0.5in; margin-right: 0; margin-left: 0">This prospectus, any prospectus
supplement and the documents incorporated by reference herein and therein contain forward-looking information within the meaning of the
safe harbor provisions of the U.S. Private Securities Litigation Reform Act of 1995. These statements are statements other than statements
of fact and typically relate to future events or future predictions, including events or predictions relating to future financial performance,
and are generally identifiable by the use of forward-looking terminology such as &ldquo;believe,&rdquo; &ldquo;expect,&rdquo; &ldquo;may,&rdquo;
&ldquo;will,&rdquo; &ldquo;should,&rdquo; &ldquo;plan,&rdquo; &ldquo;intend,&rdquo; or &ldquo;anticipate&rdquo; or the negative thereof
or comparable terminology. Forward-looking statements reflect numerous assumptions, estimates and forecasts as to future events. No assurance
can be given that the assumptions, estimates and forecasts underlying such forward-looking statements will accurately reflect future conditions,
or that any guidance, goals, targets or projected results will be realized. The assumptions, estimates and forecasts underlying such forward-looking
statements involve judgments with respect to, among other things, future economic, competitive, regulatory and financial market conditions
and future business decisions, which may not be realized and which are inherently subject to significant business, economic, competitive
and regulatory uncertainties and known and unknown risks, including the risks described under &ldquo;Risk Factors&rdquo; in our Annual
Report on Form 10-K for the year ended December 31, 2024 and our Quarterly Reports on Form 10-Q for the quarters ended March 31, 2025
and June 30, 2025, as such factors may be updated from time to time in our filings with the SEC. Our actual results may differ materially
from those reflected in the forward-looking statements.</P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">This prospectus and any prospectus supplement do not
contain all of the information set forth or incorporated by reference in the registration statement or the exhibits filed therewith.
Statements contained or incorporated by reference in this prospectus and any applicable prospectus supplement as to the contents of any
agreement or other document are only summaries, are not necessarily complete, and in each instance we refer you to the copy of the contract
or other document filed as an exhibit to a document incorporated by reference in this prospectus or such prospectus supplement, as applicable,
each such statement being qualified in all respects by such reference.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">You should rely only on the information contained or
incorporated by reference in this prospectus or any applicable prospectus supplement. We have not authorized any person to provide you
with any information or to make any representation other than those contained or incorporated by reference in this prospectus or any applicable
prospectus supplement, and, if made, such information or representation must not be relied upon as having been given or authorized. Neither
this prospectus nor any prospectus supplement constitutes an offer to sell or a solicitation of an offer to buy any security other than
the securities offered by this prospectus or any such prospectus supplement, or an offer to sell or a solicitation of an offer to buy
any securities by anyone in any jurisdiction in which the offer or solicitation is not authorized or is unlawful. The delivery of this
prospectus or any prospectus supplement will not, under any circumstances, create any implication that the information herein or therein
is correct as of any time subsequent to the date of this prospectus or such prospectus supplement. You should assume that the information
contained or incorporated by reference in this prospectus, any prospectus supplement or other offering materials is accurate only as of
the dates of those documents or the documents incorporated by reference, as applicable. Our business, financial condition, results of
operations and prospects may have changed since those dates. Any information disclosed in our subsequent filings with the SEC and any
applicable prospectus supplement that is inconsistent with the information included in this prospectus will supersede the information
in this prospectus or any earlier prospectus supplement.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">We have not taken any action to permit a public offering
of the securities offered by this prospectus or any prospectus supplement outside the United States or to permit the possession or distribution
of this prospectus outside the United States, unless the applicable prospectus supplement so specifies. Persons outside the United States
who come into possession of this prospectus or any prospectus supplement must inform themselves about and observe any restrictions relating
to the offering of the securities and the distribution of this prospectus or such prospectus supplement outside of the United States.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">All references in this prospectus and any prospectus
supplement to &ldquo;Customers Bancorp,&rdquo; &ldquo;Customers,&rdquo; the &ldquo;Company,&rdquo; &ldquo;we,&rdquo; &ldquo;us,&rdquo;
&ldquo;our,&rdquo; or similar references refer to Customers Bancorp, Inc., and its subsidiaries on a consolidated basis, except where
the context otherwise requires or as otherwise indicated.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&nbsp;</P>


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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><A NAME="cautionary"></A><B>CAUTIONARY NOTE REGARDING FORWARD-LOOKING STATEMENTS</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-indent: 0.5in; margin-right: 0; margin-left: 0">This prospectus, any prospectus
supplement and the documents incorporated by reference herein and therein contain forward-looking information within the meaning of the
safe harbor provisions of the U.S. Private Securities Litigation Reform Act of 1995. These statements are statements other than statements
of fact and typically relate to future events or future predictions, including events or predictions relating to future financial performance,
and are generally identifiable by the use of forward-looking terminology such as &ldquo;believe,&rdquo; &ldquo;expect,&rdquo; &ldquo;may,&rdquo;
&ldquo;will,&rdquo; &ldquo;should,&rdquo; &ldquo;plan,&rdquo; &ldquo;intend,&rdquo; or &ldquo;anticipate&rdquo; or the negative thereof
or comparable terminology. Forward-looking statements reflect numerous assumptions, estimates and forecasts as to future events. No assurance
can be given that the assumptions, estimates and forecasts underlying such forward-looking statements will accurately reflect future conditions,
or that any guidance, goals, targets or projected results will be realized. The assumptions, estimates and forecasts underlying such forward-looking
statements involve judgments with respect to, among other things, future economic, competitive, regulatory and financial market conditions
and future business decisions, which may not be realized and which are inherently subject to significant business, economic, competitive
and regulatory uncertainties and known and unknown risks, including the risks described under &ldquo;Risk Factors&rdquo; in our Annual
Report on Form 10-K for the year ended December 31, 2024 and our Quarterly Reports on Form 10-Q for the quarters ended March 31, 2025
and June 30, 2025, as such factors may be updated from time to time in our filings with the SEC. Our actual results may differ materially
from those reflected in the forward-looking statements.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 5pt 0; text-indent: 0.5in">In addition to the risks described under &ldquo;Risk
Factors&rdquo; in this prospectus and the documents incorporated by reference herein, other important factors to consider and evaluate
with respect to such forward-looking statements include:</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: 5%; padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="width: 3%; padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">&bull;</FONT></TD>
    <TD STYLE="width: 2%; padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="width: 90%; padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">a prolonged downturn in the economy, particularly in the geographic areas in which we do business, or an unexpected decline in real estate values within our market areas;</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">&bull;</FONT></TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">the impact of forbearances or deferrals we are required to provide or that we agree to as a result of borrower requests and/or government actions, including, but not limited to our potential inability to fully recover deferred payments from the borrower or the collateral;</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">&bull;</FONT></TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">inflation, interest rate, securities market and monetary fluctuations;</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">&bull;</FONT></TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">continued volatility in the credit and equity markets and its effect on the general economy;</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">&bull;</FONT></TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">our ability to attract and retain deposits and other sources of liquidity;</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">&bull;</FONT></TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">public health crises and pandemics and their effects on the economic and business environments in which we operate;</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">&bull;</FONT></TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">geopolitical conditions, including acts or threats of terrorism, actions taken by the United States or other governments in response to acts or threats of terrorism and military conflicts, including the war between Russia and Ukraine and escalating conflict in the Middle East, which could impact economic conditions in the United States;</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">&bull;</FONT></TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">the effects of actions by the federal government, including the Board of Governors of the Federal Reserve System and other government agencies, that affect market interest rates and the money supply; actions that we and our customers take in response to these developments and the effects such actions have on our operations, products, services and customer relationships;</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">&bull;</FONT></TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">the impact that changes in the economy have on the performance of our loan and lease portfolio, the market value of our investment securities, the demand for our products and services and the availability of sources of funding;</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">&bull;</FONT></TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">higher inflation and its impacts; and the effects of any changes in accounting standards or policies.</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&bull;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">our ability to raise additional funding in the capital markets, if necessary, to fund our operations and business plan;</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&bull;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">changes in the financial performance and/or condition of our borrowers or depositors;</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&bull;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">changes in the level of non-performing and classified assets and charge-offs, which may require us to increase our allowance for credit losses, charge off loans and leases and incur elevated collection and carrying costs related to such non-performing assets;</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&bull;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">changes in estimates of our future loss
    reserve requirements under current expected credit losses (&ldquo;CECL&rdquo;) based upon our periodic review thereof under relevant regulatory and
    accounting requirements;</FONT></TD></TR>
</TABLE>

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

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

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

<P STYLE="margin: 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="padding-right: 5.65pt; padding-left: 5.65pt; width: 5%">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt; width: 3%">&bull;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt; width: 2%">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt; width: 90%"><FONT STYLE="font-size: 10pt">potential claims, damages, penalties, fines and reputational damage arising from litigation and regulatory and government actions relating to our participation in and execution of government programs related to the COVID-19 pandemic or as a result of our action in response to, or failure to implement or effectively implement, applicable federal, state and local laws, rules or executive orders requiring that we grant forbearances or not act to collect amounts due under our loans;</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&bull;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">the effects of changes in accounting policies and practices, as may be adopted by the regulatory agencies, Financial Accounting Standards Board and other accounting standard setters;</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&bull;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">changes in external competitive market factors that might impact our results of operations;</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&bull;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">changes in laws and regulations, including, without limitation, changes in capital requirements under Basel III;</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&bull;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">the extensive federal and state regulation, supervision and examination governing almost every aspect of our operations and potential expenses associated with complying with such regulations;</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&bull;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">the effects of heightened regulatory requirements applicable to banks with assets in excess of $10 billion;</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&bull;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">changes in our business strategy or an inability to execute our strategy due to the occurrence of unanticipated events;</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&bull;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">costs and effects of legal and regulatory oversight and legal developments, including the results of regulatory examinations and the outcome of regulatory or other governmental inquiries and proceedings, such as fines, restrictions on our business activities or reputational damage;</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&bull;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">any failure of ours to comply with anti-money laundering and anti-terrorism financing laws;</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&bull;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">our ability to identify borrowers and make loans at terms that are favorable to us;</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&bull;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">our ability to attract and retain qualified personnel;</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&bull;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">timely development and acceptance of new banking products and services and perceived overall value of these products and services by users;</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&bull;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">our ability to execute our digital distribution strategy;</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&bull;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">technological changes, including acceptance
    and success of our proprietary business-to-business (&ldquo;B2B&rdquo;) instant payments platform, cubiX, which is subject to a variety of
    factors that are difficult to evaluate;</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&bull;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">changes in consumer spending, borrowing and saving habits;</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&bull;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">our ability to successfully implement our growth strategy, control expenses and maintain liquidity;</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&bull;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">costs and effects of system failures or cybersecurity incidents or other breaches of our network security and the network security of our third-party service providers and our borrowers and depositors;</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&bull;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">the businesses of Customers Bank and any acquisition targets or merger partners and subsidiaries not being integrated successfully or such integration being more difficult, time-consuming or costly than expected;</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&bull;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">our ability to engage third-party service providers and the ability of our third-party service providers to adequately perform their services;</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&bull;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">material differences in the actual financial results of merger and acquisition activities compared with our expectations, such as with respect to the full realization of anticipated cost savings and revenue enhancements within the expected time frame;</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&bull;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">regulatory limits on our ability to receive dividends from our subsidiaries and pay dividends to our shareholders;</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&bull;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">our ability to manage the risks of change in
    our deposit and loan mix;</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&bull;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">our ability to manage the risks inherent in our consumer loan and mortgage portfolios;</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&bull;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">shareholder and analyst ratings and sentiment, and the effects they may have on the price at which our securities trade;</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&bull;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">our ability to identify potential candidates for, and consummate, acquisition or investment transactions;</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&bull;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">constraints on our ability to consummate an attractive acquisition or investment transaction because of significant competition for those opportunities;</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&bull;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">our ability to manage servicing, processing
    forgiveness, and guarantee submissions of Paycheck Protection Program (&ldquo;PPP&rdquo;) loans; and</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&bull;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">any reputation, credit, interest rate, market, operational, litigation, legal, liquidity, regulatory and compliance risk resulting from developments related to any of the risks discussed above.</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 5pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 5pt 0; text-indent: 0.5in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 5pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 5pt 0; text-indent: 0.5in">You are cautioned not to place undue reliance on
these forward-looking statements, which speak only as of the date hereof, or, in the case of other documents referred to herein, the dates
of those documents. We do not undertake any obligation to release publicly or otherwise provide any revisions to these forward-looking
statements to reflect events or circumstances occurring after the date hereof or to reflect the occurrence of unanticipated events, except
as may be required under applicable law.</P>


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

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

<DIV STYLE="padding-right: 10pt; border: Black 1pt solid; padding-left: 10pt">

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B><A NAME="summary"></A>SUMMARY</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><I>This summary highlights information contained elsewhere
in this prospectus and in the documents we incorporate by reference. This summary does not contain all of the information that you should
consider before deciding to invest in our securities. You should read this entire prospectus and any applicable prospectus supplement
carefully, including the &ldquo;Risk Factors&rdquo; sections contained in this prospectus or the applicable prospectus supplement and
Part I, Item 1A of our Annual Report on Form 10-K for the year ended December 31, 2024 and Part II, Item 1A of our Quarterly Reports
on Form 10-Q for the quarters ended March 31, 2025 and June 30, 2025, as may be updated by our subsequently-filed Quarterly Reports on
Form 10-Q and Current Reports on Form 8-K, as well as our financial statements and the related notes and the other documents incorporated
by reference herein, which are described under the heading &ldquo;Incorporation of Certain Documents by Reference&rdquo; in this prospectus.</I></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><I>&nbsp;</I></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">Customers Bancorp, Inc. is a bank holding company
located in West Reading, Pennsylvania engaged in banking and related businesses through its bank subsidiary, Customers Bank.
Customers Bank is a community-based, full-service bank, and is a member of the Federal Reserve System, with deposits insured by the
FDIC. Customers Bancorp, Customers Bank and our non-bank subsidiaries serve businesses and residents in Berks County and
Southeastern Pennsylvania (Bucks, Chester and Philadelphia Counties); New York (Westchester and Suffolk Counties, and Manhattan);
Hamilton, New Jersey; Boston, Massachusetts; Providence, Rhode Island; Portsmouth, New Hampshire; California (Southern California
and the Bay Area); Nevada (Las Vegas and Reno); and nationally for certain loan and deposit products.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">Customers Bank has seven branches and provides
commercial banking products, primarily loans and deposits. In addition, Customers Bank administratively supports loan and other
financial products, including equipment finance leases, to customers through its limited-purpose offices. Customers Bank also serves
specialized businesses nationwide, including its mortgage finance loans, commercial equipment financing, SBA lending and specialized
lending. Customers Bank also offers consumer loans through relationships with fintech companies.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">We were incorporated as a Pennsylvania incorporation
on April 7, 2010 to facilitate a reorganization into a bank holding structure pursuant to which the Bank became our wholly owned subsidiary.
Our principal executive offices are located at 701 Reading Avenue, West Reading, Pennsylvania, 19611. Our telephone number is (610) 993-2000.
Our Internet address is www.customersbank.com. We have included our web address as inactive textual references only. The information found
on, or otherwise accessible through, our website is not incorporated into, and does not form a part of, this prospectus or any prospectus
supplement or any other report or document we file with or furnish to the SEC.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&nbsp;</P>

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

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


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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><A NAME="riskfactors"></A><B>RISK FACTORS</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><I></I></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><I>An investment in our securities involves
substantial risks. In consultation with your own advisors, you should carefully consider, among other matters, the risk factors and
other information we include or incorporate by reference in this prospectus and any prospectus supplement before deciding whether to
invest in our securities. In particular, you should carefully consider, among other things, the factors described under the caption
&ldquo;Risk Factors&rdquo; in Part I, Item 1A of our Annual Report on Form 10-K for the year ended December 31, 2024 and Part II,
Item 1A of our Quarterly Reports on Form 10-Q for the quarters ended March 31, 2025 and June 30, 2025, as may be updated by our
subsequently-filed Quarterly Reports on Form 10-Q and Current Reports on Form 8-K or other filings that we make with the SEC. If any
of the risks contained in or incorporated by reference into this prospectus or any prospectus supplement develop into actual events,
our business, financial condition, liquidity, results of operations and prospects could be materially and adversely affected, the
market price of our securities could decline and you may lose all or part of your investment. Some statements in this prospectus and
any prospectus supplement, and in the documents incorporated by reference into this prospectus or any prospectus supplement,
including statements relating to the risk factors, constitute forward-looking statements. See the &ldquo;Cautionary Note Regarding
Forward-Looking Statements&rdquo; sections in this prospectus and any prospectus supplement.</I></P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><I></I></P>

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

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 5pt 0; text-align: center"><B><A NAME="useofproceeds"></A>USE OF PROCEEDS</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-indent: 0.5in; margin-right: 0; margin-left: 0">Unless otherwise indicated in
the applicable prospectus supplement, we expect to use the net proceeds from the sale of the offered securities for general corporate
purposes, which may include refinancing, reducing or repaying debt, repurchasing shares of voting common stock or redeeming senior equity
securities; investments in Customers Bank and any other of our subsidiaries as regulatory capital to fund growth; financing possible investments
or acquisitions; expansion of the business; and investments at the holding company level. The prospectus supplement with respect to an
offering may identify different or additional uses for the proceeds of that offering. In most cases, management will retain broad discretion
over the allocation of net proceeds.</P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">Except as otherwise stated in an applicable prospectus
supplement, pending the application of the net proceeds, we expect to invest the proceeds in short-term obligations.</P>

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


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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B><A NAME="descriptionofsecurities"></A>DESCRIPTION OF THE SECURITIES</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">This prospectus contains a summary of the common stock,
the preferred stock, the debt securities, the depositary shares, the warrants and the units that we may offer and issue under this prospectus.
The particular material terms of the securities offered by a prospectus supplement will be described in that prospectus supplement. If
indicated in the applicable prospectus supplement, the terms of the offered securities may differ from the terms summarized below. The
prospectus supplement will also contain information, where applicable, about material United States federal income tax considerations
relating to the offered securities, and the securities exchange, if any, on which the offered securities will be listed. The descriptions
herein and in the applicable prospectus supplement do not contain all of the information that you may find useful or that may be important
to you. You should refer to the provisions of the actual documents whose terms are summarized herein and in the applicable prospectus
supplement, because those documents, and not the summaries, define your rights as holders of the relevant securities. For more information,
please review the forms of these documents, which are or will be filed with the SEC and will be available as described under the heading
&ldquo;Where You Can Find More Information&rdquo; below.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><A NAME="descriptionofcommonstock"></A><B>DESCRIPTION OF COMMON STOCK</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">The following description, together with the additional
information we may include in any applicable prospectus supplements, summarizes the material terms and provisions of the common stock
that we may offer under this prospectus. The following description provides a summary of the terms of our common stock, but does not purport
to be complete and is subject to and qualified by reference to our articles of incorporation and bylaws, which have been filed or incorporated
by reference in the registration statement of which this prospectus is a part. The description below does not contain all of the information
that you might find useful or that might be important to you. You should refer to the provisions of our articles of incorporation and
bylaws because they, and not the summaries, define the rights of holders of shares of our common stock. These documents are available
as described under the heading &ldquo;Where You Can Find More Information.&rdquo;</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">Under our articles of incorporation, we are authorized
to issue up to an aggregate amount of 300,000,000 shares of stock, comprising:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 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: 6%; padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="width: 1%; padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">&bull;</FONT></TD>
    <TD STYLE="width: 1%; padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="width: 92%; padding-right: 5.65pt; padding-left: 5.65pt">
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">100,000,000 shares of voting common Stock, par value $1.00 per share;</P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">&bull;</FONT></TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">100,000,000 shares of Class B non-voting common stock, par value $1.00
    per share; and</P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">&bull;</FONT></TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">100,000,000 shares of preferred stock.</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">Our board of directors has the authority to establish
and divide the authorized and unissued shares of voting common stock and of Class B non-voting common stock into series or classes and
to fix and determine, to the extent not already determined in our articles of incorporation, the designations, preferences, and other
special rights, including conversion rights, and the qualifications, limitations, or restrictions on those rights attributable to the
shares in a series or class. As of September 2, 2025, there were 31,633,189 shares of voting common stock and no shares of Class
B non-voting common stock outstanding.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">Our board of directors also has the authority to establish
and divide the authorized and unissued shares of preferred stock into series or classes or both and to determine whether or not shares
in any series or class of preferred stock have par value and, if so, the par value, whether or not the shares in a series or class have
voting rights and if so whether those voting rights are full, limited, multiple or fractional, and for each series or class of preferred
stock, the designations, preferences, and other special rights, if any, including dividend rights, conversion rights, redemption rights
and liquidation preferences, if any, and the qualifications, limitations, or restriction on those rights, and the number of shares of
each series or class. As of September 2, 2025, there were 3,400,000 shares of our Fixed-to-Floating Rate Non-Cumulative Perpetual
Preferred Stock, Series F outstanding.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&nbsp;</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">Our board of directors previously created five series
of preferred stock, Fixed Rate Perpetual Preferred Stock, Series A, Fixed Rate Cumulative Perpetual Preferred Stock, Series B, Fixed-to-Floating
Rate Non-Cumulative Perpetual Preferred Stock, Series C, Fixed-to-Floating Rate Non-Cumulative Perpetual Preferred Stock, Series D and
Fixed-to-Floating Rate Non-Cumulative Perpetual Preferred Stock, Series E. All shares of these five series of preferred stock were repurchased
by us and are no longer outstanding. The shares of these five series were canceled, and the authorized number of shares of each series
have reverted to authorized but unissued shares of preferred stock and may be issued as part of any series of preferred stock hereafter
designated by the board of directors.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">Our board of directors, in its sole discretion, has
authority to sell any treasury stock and/or unissued securities, options, warrants, or other rights to purchase any of our securities,
upon such terms as it deems advisable. Subject to applicable law and the provisions of our articles of incorporation and bylaws, our board
of directors could issue preferred stock, or additional shares of voting common stock or Class B non-voting common stock, with terms different
from those of our existing common stock, at any time.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&nbsp;</P>

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">Except as otherwise required by law and except as provided
by the terms of any other class or series of stock, holders of voting common stock have the exclusive power to vote on all matters presented
to our shareholders, including the election of directors. Each holder of voting common stock is entitled to one vote per share. The holders
of voting common stock do not have the right to vote their shares cumulatively in the election of directors. This means that, for each
director position to be elected, a shareholder may only cast a number of votes equal to the number of shares held by the shareholder.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">Any action that would significantly and adversely affect
the rights of the Class B non-voting common stock with respect to the modification of the terms of those securities or dissolution requires
the approval of the holders of Class B non-voting common stock voting separately as a class. Otherwise, the holders of the Class B non-voting
common stock have no voting power, and do not have the right to participate in or have notice of any meeting of shareholders.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">Because our articles of incorporation permit the board
of directors to set the voting rights of preferred stock, it is possible that holders of one or more series of preferred stock issued
in the future could have voting rights of any sort, which could limit the effect of the voting rights of holders of voting common stock.</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">The holders of our common stock are entitled to receive
dividends declared by our board of directors out of any assets legally available for distribution. We may not pay dividends or other distributions
unless we have paid, declared or set aside all accumulated dividends and any sinking fund, retirement fund or other retirement payments
on any class of stock having preference as to payments of dividends over our common stock. As a holding company, our ability to pay dividends
is affected by the ability of our subsidiaries, including Customers Bank, to pay dividends or otherwise transfer funds to us. The ability
of our subsidiaries to pay dividends or make other distributions to us, and our ability to pay dividends to shareholders is, and could
in the future be, subject to or influenced by bank regulatory requirements and capital guidelines.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">Because our articles of incorporation permit our board
of directors to set the dividend rights of preferred shares, it is possible that holders of one or more series of preferred shares issued
in the future could have dividend rights that differ from those of the holders of our common stock, or could have no right to the payment
of dividends. If the holders of a class or series of preferred stock is given dividend rights, the right of holders of preferred shares
to receive dividends could have priority over the right of holders of our common stock to receive dividends. As discussed above under
&quot;&mdash;General&quot; we have currently issued and outstanding shares of preferred stock that have priority over the right of holders
of our common stock to receive dividends.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">We have followed and presently intend to continue following
a policy of retaining earnings, if any, to increase our net worth and reserves. We have not historically declared or paid dividends on
our common stock, and we do not expect to do so in the foreseeable future. Any future determination relating to our dividend policy will
be made at the discretion of our board of directors and will depend on a number of factors, including our earnings and financial condition,
liquidity and capital requirements, the general economic and regulatory climate, our ability to service any equity or debt obligations
senior our common stock, and other factors deemed relevant by our board of directors.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&nbsp;</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B>Redemption, Preemptive Rights and Repurchase Provisions</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">Our common stock has no preemptive rights or redemption
or repurchase provisions. The shares are non-assessable and require no sinking fund. Repurchases of our voting common stock are subject
to Federal Reserve regulations and policies, and in some cases also may be subject to prior notice to and approval by the Federal Reserve.
Our ability to make repurchases of our common stock also may be effectively constrained by federal and state bank regulatory capital requirements.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&nbsp;</P>

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">In the event we are liquidated, dissolved or our affairs
are wound up, the holders of our common stock will be entitled to share ratably in all of our assets remaining after paying or making
adequate provision for all our debts and liabilities, subject, however, to any preferential liquidation rights of holders of any other
class or series of our stock outstanding at that time. If our only asset is our ownership of Customers Bank, it is likely that, if Customers
Bank is then in liquidation or receivership, our shareholders will not receive anything on account of their shares.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B>Potential Anti-Takeover Effect of Governing Documents and Applicable
Law</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">Some provisions of Pennsylvania law, our articles of
incorporation and our bylaws may have the effect of deterring or discouraging, among other things, a non-negotiated tender or exchange
offer for our common stock, a proxy contest for control of the company, the assumption of control of the company by a holder of a large
block of common stock or the removal of our board of directors. It is possible that these provisions could make it more difficult to accomplish
or could deter transactions that shareholders may otherwise consider to be in their best interest or in our best interest, including transactions
which provide for payment of a premium over the market price for our shares.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">These provisions, summarized below, are intended to
discourage coercive takeover practices and inadequate takeover bids. These provisions are also designed to encourage persons seeking to
acquire control of us to first negotiate with our board of directors. We believe that the benefits of the increased protection of our
potential ability to negotiate with the proponent of an unfriendly or unsolicited proposal to acquire or restructure us outweigh the disadvantages
of discouraging these proposals because negotiation of these proposals could result in an improvement of their terms.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><I>Provisions of Our Governing Documents</I>. Our articles
of incorporation and bylaws include provisions that may have the effects summarized above. These provisions:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 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: 5%; padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="width: 3%; padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">&bull;</FONT></TD>
    <TD STYLE="width: 2%; padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="width: 90%; padding-right: 5.65pt; padding-left: 5.65pt">
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">Empower our board of directors, without shareholder approval, to issue
    preferred stock, the terms of which, including voting power, are set by our board of directors;</P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">&bull;</FONT></TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">Divide our board of directors into three classes serving staggered three-year
    terms;</P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">&bull;</FONT></TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">Restrict the ability of shareholders to remove directors;</P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">&bull;</FONT></TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">Require that shares with at least 80% of total voting power approve mergers
    and other similar transactions with a person or entity holding stock with more than 5% of our voting power, if a reorganization is not
    approved, in advance, by two-thirds of the members of our board of directors;</P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">&bull;</FONT></TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">Prohibit action by the shareholders without a shareholder meeting;</P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">&bull;</FONT></TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">Require that shares representing at least 80% of total voting power approve
    the repeal or amendment of certain provisions of our articles of incorporation;</P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P></TD></TR>
</TABLE>

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

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

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

<P STYLE="margin: 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="padding-right: 5.65pt; padding-left: 5.65pt; width: 5%">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt; width: 3%"><FONT STYLE="font-size: 10pt">&bull;</FONT></TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt; width: 2%">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt; width: 90%">
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">Require any person who acquires our stock with voting power of 25% or more
    to offer to purchase for cash all remaining shares of our voting stock at the highest price paid by such person for shares of our voting
    stock during the preceding year;</P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">&bull;</FONT></TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">Eliminate cumulative voting in elections of directors;</P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">&bull;</FONT></TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">Require that shares representing at least two-thirds of the total voting
    power approve any amendment to or repeal of our bylaws;</P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">&bull;</FONT></TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">Require that our board of directors give due consideration to the effect
    of a proposed transaction on the depositors, employees, suppliers, customers and other of our and our subsidiaries&rsquo; constituents
    and on the communities in which we and they operate or are located, and to the business reputation of the other party and our value in
    a freely negotiated sale and of our future prospects as an independent entity;</P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">&bull;</FONT></TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">Require advance notice of nominations for the election of directors and
    the presentation of shareholder proposals at meetings of shareholders; and</P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">&bull;</FONT></TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">Provide that officers, directors, employees, agents and persons who own 5% or more of the voting securities of any other corporation or other entity that owns 66 2/3% or more of our outstanding voting stock cannot constitute a majority of the members of our board of directors.</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><I>&nbsp;</I></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><I>Provisions of Applicable Law</I>. The Pennsylvania
Business Corporation Law also contains certain provisions applicable to us that may have the effect of impeding a change in control. These
provisions, among other things, prohibit for five years, subject to certain exceptions, a &ldquo;business combination,&rdquo; which includes
a merger or consolidation of the corporation or a sale, lease or exchange of assets with a shareholder or group of shareholders beneficially
owning 20% or more of the corporation&rsquo;s voting power in an election of directors. In addition, certain provisions of the Pennsylvania
Business Corporation Law:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 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: 6%; padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="width: 1%; padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">&bull;</FONT></TD>
    <TD STYLE="width: 1%; padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="width: 92%; padding-right: 5.65pt; padding-left: 5.65pt">
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">Expand the factors and groups (including shareholders) a board of directors
    can consider in determining whether a certain action is in the best interests of the corporation;</P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">&bull;</FONT></TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">Provide that a board of directors need not consider the interests of any
    particular group as dominant or controlling;</P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">&bull;</FONT></TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">Provide that directors, in order to satisfy the presumption that they have
    acted in the best interests of the corporation, need not satisfy any greater obligation or higher burden of proof for actions relating
    to an acquisition or potential acquisition of control;</P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">&bull;</FONT></TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">Provide that actions relating to acquisitions of control that are approved
    by a majority of &ldquo;disinterested directors&rdquo; are presumed to satisfy the directors&rsquo; standard of care, unless it is proven
    by clear and convincing evidence that the directors did not assent to such action in good faith after reasonable investigation; and</P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">&bull;</FONT></TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">Provide that the fiduciary duties of directors are solely to the corporation and may be enforced by the corporation or by a shareholder in a derivative action, but not by a shareholder directly.</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">The Pennsylvania Business Corporation Law also provides
that the fiduciary duties of directors do not require directors to:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 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: 6%; padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="width: 1%; padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">&bull;</FONT></TD>
    <TD STYLE="width: 1%; padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="width: 92%; padding-right: 5.65pt; padding-left: 5.65pt">
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">Redeem any rights under, or to modify or render inapplicable, any shareholder
    rights plan;</P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">&bull;</FONT></TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">Render inapplicable, or make determinations under, provisions of the Pennsylvania
    Business Corporation Law, relating to control transactions, business combinations, control-share acquisitions or disgorgement by certain
    controlling shareholders following attempts to acquire control; or</P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P></TD></TR>
</TABLE>

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

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

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

<P STYLE="margin: 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="padding-right: 5.65pt; padding-left: 5.65pt; width: 6%">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt; width: 1%"><FONT STYLE="font-size: 10pt">&bull;</FONT></TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt; width: 1%">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt; width: 92%"><FONT STYLE="font-size: 10pt">Take action as the board of directors, a committee of the board or an individual director solely because of the effect such action might have on an acquisition or potential or proposed acquisition of control of us or the consideration that might be offered or paid to shareholders in such an acquisition.</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">Pursuant to provisions of our articles of incorporation,
and in accordance with Pennsylvania law, we have opted out of coverage by the &ldquo;disgorgement,&rdquo; &ldquo;control transactions,&rdquo;
&ldquo;control-share acquisitions,&rdquo; &ldquo;severance compensation,&rdquo; and &ldquo;labor contracts&rdquo; provisions of the Pennsylvania
Business Corporation Law. As a result of our opting-out from coverage by these statutes, none of the &ldquo;disgorgement,&rdquo; &ldquo;control
transactions,&rdquo; &ldquo;control-share acquisitions,&rdquo; &ldquo;severance compensation,&rdquo; or &ldquo;labor contracts&rdquo;
statutes would apply to a non-negotiated attempt to acquire control of us, although such an attempt would still be subject to the special
provisions of our governing documents.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B>New York Stock Exchange Listing</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">Our common stock is listed on the New York Stock Exchange
under the symbol &ldquo;CUBI.&rdquo;</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">Computershare serves as the transfer agent and registrar
for our common stock.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B><A NAME="descriptionofpreferredstock"></A>DESCRIPTION OF PREFERRED STOCK</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">The following description, together with the additional
information we may include in any applicable prospectus supplements, summarizes the material terms and provisions of the preferred stock
that we may offer under this prospectus. While the terms summarized below will apply generally to any shares of preferred stock that we
may offer, we will describe the particular terms of any series of preferred stock in more detail in the applicable prospectus supplement.
If we indicate in the prospectus supplement, the terms of any shares of preferred stock offered under that prospectus supplement may differ
from the terms described below. Specific statements with respect to shares will contain additional important terms and provisions and
will be incorporated by reference as an exhibit to the registration statement that includes this prospectus. We urge you to read the applicable
prospectus supplement and any related free writing prospectus, as well as the statement with respect to shares that contains the specific
terms of the shares of preferred stock.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&nbsp;</P>

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">Our articles of incorporation provides that our board
of directors may issue, without action by our shareholders, a maximum of 100,000,000 shares of preferred stock, in one or more series
and with such terms and conditions, at such times and for such consideration, as the board of directors may determine. As of September
2, 2025, there were 3,400,000 shares of our Fixed-to-Floating Rate Non-Cumulative Perpetual Preferred Stock, Series F outstanding.
The rights and privileges relating to these outstanding shares of our preferred stock are governed by the applicable statement with respect
to shares for each series of preferred stock, which have been incorporated by reference as exhibits to the registration statement of which
this prospectus is a part. You should refer to those statements with respect to shares for the specific terms of the preferred stock that
is outstanding, which may be important to you.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">Our board of directors previously created five series
of preferred stock, Fixed Rate Perpetual Preferred Stock, Series A and Fixed Rate Cumulative Perpetual Preferred Stock, Series B, Fixed-to-Floating
Rate Non-Cumulative Perpetual Preferred Stock, Series C, Fixed-to-Floating Rate Non-Cumulative Perpetual Preferred Stock and Series D
Fixed-to-Floating Rate Non-Cumulative Perpetual Preferred Stock, Series E. All shares of these five series of preferred stock were repurchased
by us and are no longer outstanding. The shares of these five series were canceled, and the authorized number of shares of each series
have reverted to authorized but unissued shares of preferred stock and may be issued as part of any series of preferred stock hereafter
designated by the board of directors.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">In authorizing the issuance of any additional shares
of our preferred stock, other than additional shares of the series of preferred stock that are then currently outstanding, our board of
directors may determine the following:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 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: 5%; padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="width: 3%; padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">&bull;</FONT></TD>
    <TD STYLE="width: 2%; padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="width: 90%; padding-right: 5.65pt; padding-left: 5.65pt">
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">the voting powers, if any, of the holders of shares of such series in addition
    to any voting rights affirmatively required by law;</P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">&bull;</FONT></TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">the rights of shareholders in respect of dividends, including, without
    limitation, the rate or rates per annum and the time or times at which (or the formula or other method pursuant to which such rate or
    rates and such time or times may be determined) and conditions upon which the holders of shares of such series will be entitled to receive
    dividends and other distributions, and whether any such dividends will be cumulative or noncumulative and, if cumulative, the terms upon
    which such dividends will be cumulative;</P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">&bull;</FONT></TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">whether the shares of each such series shall be redeemable by us at our
    option or the holder of the shares, and, if redeemable, the terms and conditions upon which the shares of such series may be redeemed;</P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">&bull;</FONT></TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">the amount payable and the rights or preferences to which the holders of
    the shares of such series will be entitled upon any voluntary or involuntary liquidation, dissolution or winding-up;</P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">&bull;</FONT></TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">the terms, if any, upon which shares of such series will be convertible
    into, or exchangeable for, shares of any other class or classes or of any other series of the same or any other class or classes, including
    the price or prices or the rate or rates of conversion or exchange and the terms of adjustment, if any; and</P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">&bull;</FONT></TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">any other designations, preferences, and relative, participating, optional or other special rights, and qualifications, limitations or restrictions thereof, so far as they are not inconsistent with the provisions of our articles of incorporation and to the full extent now or hereafter permitted under Pennsylvania law.</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">You should read the applicable prospectus supplement
relating to the particular series of preferred stock being offered and issued and the related statement with respect to shares for specific
terms of the shares of preferred stock of such series, including, where applicable:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 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: 6%; padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="width: 1%; padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">&bull;</FONT></TD>
    <TD STYLE="width: 1%; padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="width: 92%; padding-right: 5.65pt; padding-left: 5.65pt">
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">the title of the series, stated value and liquidation preferences, the
    number of shares constituting the series and the number of shares of the series that are being offered;</P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">&bull;</FONT></TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">the price or other consideration for which the shares will be issued;</P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">&bull;</FONT></TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">the dividend rate(s) (or method of calculation), the dividend periods,
    the dates on which dividends shall be payable and whether the dividends will be cumulative or noncumulative and, if cumulative, the dates
    at which the dividends shall begin to cumulate, and the participating and other rights, if any, with respect to dividends;</P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">&bull;</FONT></TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">the redemption or sinking fund provisions, if any;</P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">&bull;</FONT></TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">whether the shares will be convertible into, or exchangeable for, shares of any other class or series and, if so, the provisions relating to conversion or exchange rights;</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">&bull;</FONT></TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">the voting powers, full or limited, if any, of the shares offered; and</P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">&bull;</FONT></TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">such other powers, preferences, rights, qualifications, limitations and restrictions thereof as our Board may deem advisable.</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">When we issue shares of preferred stock, the shares
will be fully paid and nonassessable, which means the full purchase price of the shares will have been paid and holders of the shares
will not be assessed any additional monies for the shares. Unless the applicable prospectus supplement indicates otherwise, each series
of the preferred stock will rank equally with any outstanding shares of our preferred stock and each other series of the preferred stock.
Unless the applicable prospectus supplement states otherwise, the preferred stock will have no preemptive rights to subscribe for any
additional securities which are issued by us, meaning, the holders of shares of preferred stock will have no right to buy any portion
of the issued securities.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">In addition, unless the applicable prospectus supplement
indicates otherwise, we will have the right to &ldquo;reopen&rdquo; a previous issue of a series of preferred stock by issuing additional
preferred stock of such series.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">The transfer agent, registrar, dividend disbursing
agent, calculation agent and redemption agent for shares of each series of preferred stock will be named in the prospectus supplement
relating to such series.</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">The holders of the preferred stock of each series will
be entitled to receive cash dividends out of funds legally available, when, as and if, declared by our board of directors or a duly authorized
committee of the board, at the rates and on the dates stated in the applicable prospectus supplement. These rates may be fixed, or variable,
or both. If the dividend rate is variable, the applicable prospectus supplement will describe the formula used to determine the dividend
rate for each dividend period. We will pay dividends to the holders of record as they appear on our stock books on the record dates determined
by our board of directors or an authorized committee of our board.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&nbsp;</P>

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">Holders of shares of preferred stock will have no voting
rights, except as (i) otherwise stated in the applicable prospectus supplement, (ii) as otherwise stated in the statement with respect
to shares establishing such series or (iii) as required by applicable law.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">Under Federal Reserve Board regulations, if the holders
of any series of preferred stock become entitled to vote for the election of directors, that series may then be considered a class of
voting securities. A holder of 25% or more of a series may then be subject to regulation as a savings and loan holding company under the
Home Owners Loan Act or a bank holding company under the Bank Holding Company Act, depending on the nature of the holder. In addition,
at the time that the series are deemed a class of voting securities, any bank holding company or savings and loan holding company may
be required to obtain the prior approval of the Federal Reserve Board in order to acquire more than 5% of that series, and any person
other than a savings and loan or a bank holding company may be required to obtain the prior approval of the Federal Reserve Board to acquire
10% or more of that series.</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">A series of the preferred stock may be redeemable,
in whole or in part, at our option, and may be subject to mandatory redemption under a sinking fund or otherwise as described in the applicable
prospectus supplement. If a series of preferred stock is redeemable at our option, that applicable prospectus supplement will specify
the conditions to such redemption and any restrictions, whether pursuant to the terms of the preferred stock or other securities or obligations
of our, or pursuant to regulatory requirements, on our ability to redeem. If a series of preferred stock is subject to mandatory redemption,
the applicable prospectus supplement will specify the number of shares that we will redeem, the time or times for such redemption, the
redemption price per share and other obligations of ours in connection with the redemption. In each case, the applicable prospectus supplement
will indicate whether the redemption price can be paid in cash or other property. Unless we default in the payment of the redemption price,
dividends will cease to accrue after the redemption date on shares of preferred stock called for redemption and all rights of holders
of such shares will terminate except for the right to receive the redemption price.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&nbsp;</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">If any series of preferred stock we propose to offer
and issue is convertible into or exchangeable for any other class or series of our capital stock or any other securities of ours, the
applicable prospectus supplement relating to that series will describe the terms and conditions governing the conversions and exchanges.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&nbsp;</P>

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">If we voluntarily or involuntarily liquidate, dissolve
or wind up our business, the holders of shares of each series of preferred stock and any other securities that have rights equal to that
series of preferred stock under these circumstances, will be entitled to receive out of our assets that are available for distribution
to stockholders a distribution in the amount provided in statement with respect to shares and will receive such distributions (if any)
before any distribution to holders of common stock or of any securities ranking junior to the series of preferred stock. If our assets
are insufficient to pay all amounts to which holders of preferred stock are entitled, we will make no distribution on the preferred stock
or on any other securities ranking equal to the preferred stock unless we make a pro rata distribution to those holders. After we pay
the full amount of the liquidation distribution to which the holders are entitled, the holders will have no right or claim to any of our
remaining assets.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">Unless otherwise stated in the applicable prospectus
supplement or the related statement with respect to shares, neither the sale of all or any part of our property and business, nor our
merger into or consolidation with any other corporation, nor the merger or consolidation of any other corporation with or into us, will
be deemed to be a dissolution, liquidation or winding up.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt/115% Times New Roman, Times, Serif; margin: 0; text-align: center"><A NAME="descriptionofdebt"></A><B>DESCRIPTION OF DEBT SECURITIES</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 9pt 0 0; text-indent: 0.5in">The following description, together with the
additional information we may include in any applicable prospectus supplements, summarizes the material terms and provisions of the debt
securities that we may offer under this prospectus. We may offer debt securities which may be senior or subordinated. While the terms
summarized below will apply generally to any debt securities that we may offer, we will describe the particular terms of any debt securities
we offer in more detail in the applicable prospectus supplement. If we indicate in the prospectus supplement, the terms of any debt securities
offered under that prospectus supplement may differ from the terms described below. The applicable senior or subordinated indenture, the
applicable supplemental indenture and the form of debt security relating to a particular offering of debt securities have been or will
be incorporated by reference as exhibits to the registration statement of which this prospectus forms a part. We urge you to read the
applicable prospectus supplement and any related free writing prospectus, as well as the applicable indenture and supplemental indenture
that contains the specific terms of the debt securities.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 9pt 0 0; text-indent: 0.5in">We may issue senior debt securities from time
to time, in one or more series under a senior indenture that we have entered into with a trustee, which we refer to as the &ldquo;senior
trustee&rdquo; or in another senior indenture we may enter into in the future with a senior trustee. We may issue subordinated debt securities
from time to time, in one or more series under a subordinated indenture that we have entered into with a trustee, which we refer to as
the &ldquo;subordinated trustee&rdquo; or in another subordinated indenture we may enter into in the future with a subordinated trustee.
The senior indenture and subordinated indenture are incorporated by reference as exhibits to the registration statement of which this
prospectus forms a part. Together, the senior indenture and the subordinated indenture are referred to as the &ldquo;indentures&rdquo;
and, together, the senior trustee and the subordinated trustee are referred to as the &ldquo;trustees.&rdquo; This prospectus briefly
outlines some of the provisions of the indentures. The below summary of the material provisions of the indentures is qualified in its
entirety by the provisions of the indentures, including definitions of certain terms used in the indentures. Wherever we refer to particular
sections or defined terms of the indentures, those sections or defined terms are incorporated by reference in this prospectus or the applicable
prospectus supplement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 9pt 0 0; text-indent: 0.5in">Customers Bancorp is a bank holding company and
almost all of our operating assets are owned by Customers Bank. We are a legal entity separate and distinct from Customers Bank. We rely
primarily on dividends from Customers Bank to meet our obligations. There are regulatory limitations on the payment of dividends directly
or indirectly to us from Customers Bank. Accordingly, our debt securities will be effectively subordinated to all existing and future
liabilities of Customers Bank, and holders of our debt securities should look only to our assets for payments of the debt securities.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 9pt 0 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 9pt 0 0; text-indent: 0.5in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 9pt 0 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 9pt 0 0; text-indent: 0.5in">As used in this section only, &ldquo;Customers,&rdquo;
&ldquo;Customers Bancorp,&rdquo; the &ldquo;Company,&rdquo; &ldquo;we,&rdquo; &ldquo;our&rdquo; or &ldquo;us&rdquo; refer to Customers Bancorp,
Inc., excluding our subsidiaries, unless expressly stated or the context otherwise requires.</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">The indentures do not limit the aggregate principal
amount of debt securities that we may issue and provide that we may issue debt securities under the indentures from time to time in one
or more series. We may from time to time, without giving notice to or seeking the consent of the holders of the debt securities of any
series, issue debt securities having the same ranking and the same terms (other than the public offering price, issue date, payment of
interest accruing prior to the issue date and, under some circumstances, the first interest payment date) as the debt securities of a
previously issued series. Any additional debt securities having such identical terms, together with the debt securities of the applicable
series previously issued, will constitute a single series of debt securities under the applicable indenture.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">As of September 2, 2025, Customers Bancorp
has outstanding two series of senior and subordinated debt securities: (i) 2.875% fixed-to-floating senior notes due 2031, and (ii) 5.375%
subordinated notes due 2034. Each of these series of notes were issued pursuant to an indenture and a supplemental indenture that define
the terms of such notes, and such indentures and supplemental indentures have been incorporated by reference as exhibits to the registration
statement of which this prospectus is a part. You should refer to those indentures and supplemental indentures for the specific terms
applicable to these outstanding notes, which may be important to you. In addition, as of September 2, 2025, Customers Bank has
outstanding 6.125% fixed-to-floating subordinated notes due 2029. These notes were issued pursuant to a note subscription agreement dated
June 24, 2014 that defines the terms of such notes, and such notes subscription agreement has been incorporated by reference as an exhibit
to the registration statement of which this prospectus is a part. You should refer to the note purchase agreement for the specific terms
applicable to these outstanding notes, which may be important to you.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">Unless otherwise provided in a prospectus supplement,
the senior debt securities we issue will be our unsecured obligations and will rank equally with all of our other unsecured and unsubordinated
indebtedness from time to time outstanding. The subordinated debt securities we issue will be our unsecured obligations and will be subordinated
in right of payment to the prior payment in full of all of our senior indebtedness, which term includes senior debt securities, as described
below under &ldquo;&mdash;Subordination.&rdquo; In certain events of insolvency, the subordinated debt securities will also be subordinated
to certain other financial obligations, as described below under &ldquo;&mdash;Subordination.&rdquo;</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">You should read the applicable prospectus supplement
relating to the particular debt securities being offered and issued for specific terms, including, where applicable:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&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="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">&bull;</FONT></TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">the title and type of the debt securities;</P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">&bull;</FONT></TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">the aggregate principal amount of the debt securities being offered, the
    aggregate principal amount of the debt securities outstanding as of the most recent practicable date and any limit on their aggregate
    principal amount, including the aggregate principal amount of debt securities authorized;</P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">&bull;</FONT></TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">the price at which the debt securities will be issued, which may be expressed
    as a percentage of the principal;</P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">&bull;</FONT></TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">the date or dates, or the method for determining the date or dates, on
    which the principal of the debt securities will be payable;</P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">&bull;</FONT></TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">the interest rates, if any, which rate may be zero if the debt securities
    are issued at a discount from the principal amount payable at maturity, or the method by which the interest rates will be determined,
    including, if applicable, any remarketing option or similar method;</P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">&bull;</FONT></TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">the date or dates from which interest, if any, will accrue or the method
    by which the date or dates will be determined;</P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">&bull;</FONT></TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">the interest payment dates and the record dates for interest payment dates,
    or the method by which such dates will be determined;</P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">&bull;</FONT></TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">the persons to whom interest will be payable;</P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P></TD></TR>
</TABLE>

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

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

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

<P STYLE="margin: 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="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">&bull;</FONT></TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">the place or places where the principal of, and any premium or interest
    on, the debt securities will be payable, where any debt securities may be surrendered for registration of transfer or exchange, and where
    any debt securities may be surrendered for conversion or exchange;</P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">&bull;</FONT></TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">where notices or demands to or upon us in respect of the debt securities
    and the applicable indenture may be served;</P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">&bull;</FONT></TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">whether any of the debt securities are to be redeemable at our option and,
    if so, the date or dates on which, the period or periods within which, the price or prices at which and the other terms and conditions
    upon which they may be redeemed, in whole or in part;</P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">&bull;</FONT></TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">whether we will be obligated to redeem or purchase any of the debt securities
    pursuant to any sinking fund or analogous provision or at the holder&rsquo;s option, and, if so, the dates or prices and the other terms
    on which the debt securities must be redeemed or purchased pursuant to this obligation and any provisions for the remarketing of the debt
    securities so redeemed or purchased;</P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">&bull;</FONT></TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">whether the debt securities will be convertible into our common or preferred
    stock and/or exchangeable for other securities of ours and, if so, the terms and conditions upon which the debt securities will be convertible
    or exchangeable;</P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">&bull;</FONT></TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">if other than United States dollars, the currency of payment in which the
    principal of, and any premium or interest on, the debt securities will be paid;</P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">&bull;</FONT></TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">if other than the principal amount, the portion of the principal amount,
    or the method by which the portion will be determined, of the debt securities that will be payable upon declaration of acceleration of
    the maturity of the debt securities;</P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">&bull;</FONT></TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">whether the principal of, and any premium or interest on, the debt securities
    will be payable, at our or the holder&rsquo;s election, in a currency other than that in which the debt securities are stated to be payable,
    and the dates and the other terms upon which this election may be made;</P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">&bull;</FONT></TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">any index, formula or other method used to determine the amount of principal
    of, and any premium or interest on, the debt securities;</P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">&bull;</FONT></TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">whether the debt securities are to be issued in the form of one or more
    global securities and, if so, the identity of the depositary for the global security or securities;</P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">&bull;</FONT></TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">whether the debt securities are senior or subordinated and, if subordinated,
    the applicable subordination provisions;</P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">&bull;</FONT></TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">in the case of subordinated debt securities, the relative degree, if any,
    to which the subordinated debt securities will be senior to or be subordinated to other series of subordinated debt securities or other
    indebtedness of ours in right of payment, whether the other series of subordinated debt securities or other indebtedness is outstanding
    or not;</P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">&bull;</FONT></TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">any provisions relating to any security provided for the debt securities;</P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">&bull;</FONT></TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">whether the debt securities will be guaranteed as to payment or performance;</P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">&bull;</FONT></TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">any addition to, deletion of or change in the &ldquo;events of default&rdquo;
    described in this prospectus or in the indentures with respect to the debt securities and any change in the acceleration provisions described
    in this prospectus or in the applicable indenture with respect to the debt securities;</P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">&bull;</FONT></TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">any addition to, deletion of or change in the covenants described in this
    prospectus or in the applicable indenture with respect to the debt securities;</P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P></TD></TR>
</TABLE>

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

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

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

<P STYLE="margin: 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="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">&bull;</FONT></TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">the applicability, if any, of the defeasance and covenant defeasance provisions
    described in this prospectus or in the applicable indenture;</P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">&bull;</FONT></TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">whether any of the debt securities are to be issued upon the exercise of
    warrants and the time, manner and place for the debt securities to be authenticated and delivered;</P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">&bull;</FONT></TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">whether and under what circumstances we will pay any additional amounts
    on the debt securities in respect of any tax, assessment or governmental charge;</P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">&bull;</FONT></TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">the name of the applicable trustee and the nature of any material relationship
    with us or any of our affiliates, and the percentage of debt securities of the class necessary to require the trustee to take action;</P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">&bull;</FONT></TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">the names of any depositaries, security registrars, interest rate calculation
    agents, exchange rate calculation agents or other agents with respect to the debt securities; and</P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">&bull;</FONT></TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">any other terms of the debt securities, which may supplement, modify or delete any provision of the applicable indenture as it applies to that series, including any terms that may be required under applicable law or regulations or advisable in connection with the offer and sale of the securities.</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 9pt 0 0; text-indent: 0.5in">We may issue debt securities that provide for
less than the entire principal amount thereof to be payable upon declaration of acceleration of the maturity of the debt securities. We
refer to any such debt securities throughout this prospectus as &ldquo;original issue discount securities.&rdquo; The applicable prospectus
supplement will describe the United States federal income tax consequences and other relevant considerations applicable to original issue
discount securities.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 9pt 0 0; text-indent: 0.5in">Except as described under &ldquo;&mdash;Consolidations,
Mergers and Sales of Assets&rdquo; or as may be set forth in any prospectus supplement, the debt securities will not contain any provisions
that (i) would limit our ability to incur indebtedness or (ii) would afford holders of debt securities protection in the event of (a)
a highly leveraged or similar transaction involving us, or (b) a change of control or reorganization, restructuring, merger or similar
transaction involving us that may adversely affect the holders of the debt securities. In the future, we may enter into transactions,
such as the sale of all or substantially all of our assets or a merger or consolidation, that may have an adverse effect on our ability
to service our indebtedness, including the debt securities, by, among other things, substantially reducing or eliminating our assets.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 9pt 0 0; text-indent: 0.5in">We will provide you with more information in
the applicable prospectus supplement regarding any deletions, modifications, or additions to the events of default or covenants that are
summarized below, including any addition of a covenant or other provision providing event risk or similar protection.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 9pt 0 0; text-indent: 0.5in">Unless otherwise set forth in the applicable
prospectus supplement, the entity acting as trustee will also act as the paying agent. We may designate additional paying agents, rescind
the designation of any paying agent or approve a change in the office through which any paying agent acts.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 9pt 0 0; text-indent: 0.5in">Unless otherwise set forth in the applicable
prospectus supplement, holders may present the debt securities for transfer, duly endorsed or accompanied by a written instrument of transfer
if so required by us or the security registrar, or exchange for other debt securities of the same series containing identical terms and
provisions, in any authorized denominations, and of a like aggregate principal amount, in each case at the office or agency maintained
by us for this purpose, which will initially be the corporate trust office of the trustee. Any transfer or exchange will be made without
service charge, although we may require payment of a sum sufficient to cover any tax or other governmental charge and any other expenses
then payable. Neither we nor the trustee or the registrar is required to issue, register the transfer of, or exchange debt securities
during a period beginning at the opening of business 15 days before the day of mailing of a notice of redemption of any debt securities
and ending at the close of business on the day of mailing or register the transfer of or exchange any debt security selected for redemption,
in whole or in part, except the unredeemed portion of any debt security being redeemed in part.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 9pt 0 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 9pt 0 0; text-indent: 0.5in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 9pt 0 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 9pt 0 0; text-indent: 0.5in">If the purchase price, or the principal of, or
any premium or interest on, any debt securities is payable in, or if any debt securities are denominated in, one or more foreign currencies
or currency units, the restrictions, elections, U.S. Federal income tax considerations, specific terms and other information will be set
forth in the applicable prospectus supplement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 13.5pt 0 0"><B>Conversion and Exchange</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 4.5pt 0 0; text-indent: 0.5in">The terms, if any, on which debt securities
are convertible into or exchangeable for, either mandatorily or at our or the holder&rsquo;s option, property or cash, common stock, preferred
stock or other securities of ours, or a combination of any of these, will be set forth in the applicable prospectus supplement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 13.5pt 0 0"><B>Global Securities</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 4.5pt 0 0; text-indent: 0.5in">The debt securities may be issued, in whole
or in part, in the form of one or more global securities that will be deposited with, or on behalf of, a depositary identified in the
applicable prospectus supplement and registered in the name of the depositary or its nominee. Interests in any global debt security will
be shown on, and transfers of the debt securities will be effected only through, records maintained by the depositary and its participants.
The specific terms of the depositary arrangement will be described in the applicable prospectus supplement.</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 4.5pt 0 0; text-indent: 0.5in">Under the subordinated indenture, payment of
the principal, interest and any premium on the subordinated debt securities will generally be subordinated and junior in right of payment
to the prior payment in full of all Senior Indebtedness (as defined below).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 4.5pt 0 0; text-indent: 0.5in">&ldquo;<FONT STYLE="letter-spacing: 0.2pt">Senior
Indebtedness&rdquo;</FONT> <FONT STYLE="letter-spacing: 0.1pt">i</FONT>s <FONT STYLE="letter-spacing: 0.1pt">define</FONT>d <FONT STYLE="letter-spacing: 0.1pt">t</FONT>o
<FONT STYLE="letter-spacing: 0.1pt">includ</FONT>e <FONT STYLE="letter-spacing: 0.1pt">principa</FONT>l <FONT STYLE="letter-spacing: 0.1pt">o</FONT>f
<FONT STYLE="letter-spacing: 0.1pt">(an</FONT>d <FONT STYLE="letter-spacing: 0.1pt">premium</FONT>, <FONT STYLE="letter-spacing: 0.1pt">i</FONT>f
<FONT STYLE="letter-spacing: 0.1pt">any</FONT>) <FONT STYLE="letter-spacing: 0.1pt">an</FONT>d <FONT STYLE="letter-spacing: 0.1pt">interest</FONT>,
<FONT STYLE="letter-spacing: 0.1pt">i</FONT>f <FONT STYLE="letter-spacing: 0.1pt">any</FONT>, <FONT STYLE="letter-spacing: 0.1pt">on</FONT>,
<FONT STYLE="letter-spacing: 0.1pt">an</FONT>d <FONT STYLE="letter-spacing: 0.1pt">an</FONT>y <FONT STYLE="letter-spacing: 0.1pt">othe</FONT>r
<FONT STYLE="letter-spacing: 0.1pt">paymen</FONT>t <FONT STYLE="letter-spacing: 0.1pt">du</FONT>e <FONT STYLE="letter-spacing: 0.1pt">pursuant
</FONT><FONT STYLE="letter-spacing: 0.05pt">to</FONT>, <FONT STYLE="letter-spacing: 0.05pt">an</FONT>y <FONT STYLE="letter-spacing: 0.05pt">o</FONT>f
<FONT STYLE="letter-spacing: 0.05pt">th</FONT>e <FONT STYLE="letter-spacing: 0.05pt">following:</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 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: 5%; padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="width: 1%; padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">&bull;</FONT></TD>
    <TD STYLE="width: 1%; padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="width: 93%; padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">our obligations for money borrowed;</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">&bull;</FONT></TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">indebtedness evidenced by bonds, debentures, notes or similar instruments;</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">&bull;</FONT></TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">similar obligations arising from off-balance sheet guarantees and direct credit substitutes;</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">&bull;</FONT></TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">reimbursement obligations with respect to letters of credit, bankers&rsquo; acceptances or similar facilities;</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">&bull;</FONT></TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">obligations issued or assumed as the deferred purchase price of property or services (but excluding trade accounts payable or accrued liabilities arising in the ordinary course of business);</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">&bull;</FONT></TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">capital lease obligations;</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">&bull;</FONT></TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">obligations associated with derivative products, including but not limited to securities contracts, foreign currency exchange contracts, swap agreements (including interest rate and foreign exchange rate swap agreements), cap agreements, floor agreements, collar agreements, interest rate agreements, foreign exchange rate agreements, options, commodity futures contracts, commodity option contracts and similar financial instruments;</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">&bull;</FONT></TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">debt of others described in the preceding clauses that we have guaranteed or for which we are otherwise liable;</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">&bull;</FONT></TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">any deferrals, renewals or extensions of debt, guarantees or other liabilities described in the preceding clauses; and</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">&bull;</FONT></TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">General Obligations (as defined below);</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="letter-spacing: 0.05pt">unless, in any case, in the instrument
creating or evidencing any such indebtedness or obligation, or pursuant to which the same is outstanding, it is expressly provided that
such indebtedness or obligation is not superior in right of payment to any subordinated debt securities or to other debt that is <I>pari
passu</I> with or subordinate to the subordinated debt securities.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 10pt"><FONT STYLE="letter-spacing: 0.05pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 10pt"><FONT STYLE="letter-spacing: 0.05pt"></FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 10pt"><FONT STYLE="letter-spacing: 0.05pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 10pt"><FONT STYLE="letter-spacing: 0.05pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="letter-spacing: 0.05pt">Senior Indebtedness does not include:</FONT></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: 3%; padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="width: 3%; padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="width: 2%; padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="width: 92%; padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">&bull;</FONT></TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">indebtedness owed by us to Customers Bank or any other subsidiaries of ours; or</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">&bull;</FONT></TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">any indebtedness the terms of which expressly provide that such indebtedness ranks equally with, or junior to, the subordinated debt securities or to other debt that is equal with or junior to the subordinated debt securities, including guarantees of such indebtedness.</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 10pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&ldquo;General Obligations&rdquo; are defined as all
of our obligations to pay claims of general creditors, other than obligations on subordinated debt securities and our indebtedness for
money borrowed ranking equally or subordinate to the subordinated debt securities. Notwithstanding the foregoing, if the Federal Reserve
(or other competent regulatory agency or authority) promulgates any rule or issues any interpretation that defines general creditor(s),
the main purpose of which is to establish a criteria for determining whether the subordinated debt of a bank holding company is to be
included in its capital, then the term &ldquo;General Obligations&rdquo; will mean obligations to general creditors as described in that
rule or interpretation.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">If certain events in bankruptcy, insolvency or reorganization
occur, we will first pay all Senior Indebtedness, including any interest accrued after the events occur, in full before we make any payment
or distribution, whether in cash, securities or other property, on account of the principal of or interest on any subordinated debt securities.
In such an event, we will pay or deliver directly to the holders of Senior Indebtedness any payment or distribution otherwise payable
or deliverable to holders of any subordinated debt securities. We will make the payments to the holders of Senior Indebtedness according
to priorities existing among those holders until we have paid all Senior Indebtedness, including accrued interest, in full. If, notwithstanding
the preceding sentence, the subordinated trustee or the holder of any subordinated debt securities receives any payment or distribution
before all Senior Indebtedness is paid in full, and if such fact shall, at or prior to the time of such payment or distribution, have
been made known to the subordinated trustee or such holder, then such payment or distribution shall be paid over or delivered for application
to the payment of all Senior Indebtedness remaining unpaid, to the extent necessary to pay all Senior Indebtedness in full, after giving
effect to any concurrent payment or distribution to or for the holders of Senior Indebtedness.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">If such events of bankruptcy, insolvency or reorganization
occur, after we have paid in full all amounts owed on Senior Indebtedness, the holders of subordinated debt securities together with the
holders of any of our other obligations that rank equally with the subordinated debt securities will be entitled to receive from our remaining
assets any principal, premium or interest due at that time on the subordinated debt securities and such other obligations before we make
any payment or other distribution on account of any of our capital stock or obligations ranking junior to the subordinated debt securities.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">In addition, if any principal, premium or interest
in respect of Senior Indebtedness is not paid within any applicable grace period (including at maturity) or any other default on Senior
Indebtedness occurs and the maturity of such Senior Indebtedness is accelerated in accordance with its terms, we may not pay the principal
of, or interest on, the subordinated debt securities or repurchase, redeem or otherwise retire any subordinated debt securities, unless,
in each case, the default has been cured or waived and any such acceleration has been rescinded or such Senior Indebtedness has been paid
in full in cash, subject to certain exceptions as provided in the Indenture. If the subordinated debt securities are accelerated before
their stated maturity, the holders of Senior Indebtedness outstanding at the time the subordinated debt securities so become due and payable
shall be entitled to receive payment in full of all amounts due or to become due on or in respect of such Senior Indebtedness before the
holders of the subordinated debt securities are entitled to receive any payment on the subordinated debt securities. If, notwithstanding
the foregoing, we make any payment to the subordinated trustee or the holder of any subordinated debt securities prohibited by the preceding
sentences, and if such fact shall, at or prior to the time of such payment, have been made known to the subordinated trustee or such holder,
such payment must be paid over and delivered to us.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 9pt 0 0; text-indent: 0.5in">The indentures do not limit the amount of Senior
Indebtedness that we may incur.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 9pt 0 0; text-indent: 0.5in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 9pt 0 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 13.5pt 0 0"><B>Events of Default, Waiver<BR>
<BR>
</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">Under the indentures, unless and to the extent modified
by a supplemental indenture, an event of default will occur with respect to the debt securities upon the occurrence of any one of the
following events:<BR>
<BR>
</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: 6%">&nbsp;</TD>
    <TD STYLE="width: 1%"><FONT STYLE="font-size: 10pt">&bull;</FONT></TD>
    <TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="width: 92%"><FONT STYLE="font-size: 10pt">our default in the payment of any interest on the debt securities when due, and continuance of such default for a period of 30 days;</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">&bull;</FONT></TD>
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">our default in the payment of any principal on the debt securities when due and payable either at maturity, upon any redemption, upon acceleration of maturity or otherwise;</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">&bull;</FONT></TD>
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">our failure to perform any other covenant or agreement contained in the debt securities or in the indenture and the continuance of such failure for a period of 90 days after notice specifying such failure and demanding that we remedy the same is given to us by the applicable trustee, or to us and the applicable trustee by the holders of at least 25% in aggregate principal amount of the then outstanding applicable debt securities;</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">&bull;</FONT></TD>
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">a court having jurisdiction enters a decree or order for relief in respect of us or a material subsidiary in an involuntary case or proceeding under any applicable bankruptcy, insolvency, reorganization or other similar law, or a decree or order adjudging us or a material subsidiary bankrupt or insolvent, or approving as properly filed a petition seeking reorganization, arrangement, adjustment, or composition of or in respect of us or a material subsidiary under any applicable federal or state law, or appointing a receiver, liquidator, assignee, custodian, trustee, sequestrator or other similar official of us or a material subsidiary or for any substantial part of our or such material subsidiary&rsquo;s property, or ordering the winding-up or liquidation of our or such material subsidiary&rsquo;s affairs, shall have been entered, and such decree or order remains unstayed and in effect for a period of 60 consecutive days;</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">&bull;</FONT></TD>
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">we or a material subsidiary commences a voluntary case or proceeding under any applicable federal or state bankruptcy, insolvency, reorganization or other similar law now or hereinafter in effect or any other case or proceeding to be adjudicated bankrupt or insolvent, or consent to the entry of a decree or order for relief in respect of us or a material subsidiary in an involuntary case or proceeding under any such law, or to the commencement of any bankruptcy or insolvency case or proceeding against us or a material subsidiary, or the filing by us or a material subsidiary of a petition or answer to consent seeking reorganization or relief under any such applicable federal or state law, or the consent by us or a material subsidiary to the filing of such petition or to the appointment of or taking possession by a custodian, receiver, liquidator, assignee, trustee, sequestrator or other similar official of us or a material subsidiary or of any substantial part of our or its property, or the making by us or a material subsidiary of an assignment for the benefit of creditors, or the taking of action by us or a material subsidiary in furtherance of any such action; or</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">&bull;</FONT></TD>
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">we or a material subsidiary defaults under any bond, debenture, note or other evidence of indebtedness for money borrowed by us or a material subsidiary having an aggregate principal amount outstanding of at least $25,000,000, or under any mortgage, indenture or instrument (including the Indenture) under which there may be issued or by which there may be secured or evidenced any indebtedness for money borrowed by us or a material subsidiary having an aggregate principal amount outstanding of at least $25,000,000, whether such indebtedness now exists or is created in the future, which default (i) constitutes a failure to pay any portion of the principal of such indebtedness when due and payable after the expiration of any applicable grace period or (ii) results in such indebtedness becoming due or being declared due and payable prior to the date on which it otherwise would have become due and payable without, in the case of clause (i), such indebtedness having been discharged or, in the case of clause (ii), without such indebtedness having been discharged or such acceleration having been rescinded or annulled.</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">A &ldquo;material subsidiary&rdquo; means Customers
Bank or any successor thereof, or any of our subsidiaries that is a depository institution and that has consolidated assets equal to 30%
or more of our consolidated assets. As of the date of this prospectus, our only material subsidiary is Customers Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&nbsp;</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">If an event of default, other than an event of default
relating to bankruptcy, insolvency, reorganization or similar events of the Company with respect to the applicable debt securities occurs
and is continuing, the applicable trustee or the holders of at least 25% in aggregate principal amount of the then outstanding applicable
debt securities, by notice to us (with a copy to the applicable trustee if such notice is given by the holders), may declare the entire
principal amount of and all accrued but unpaid interest on all the applicable debt securities to be due and payable immediately. Subject
to certain conditions, the holders of a majority in aggregate principal amount of the outstanding applicable debt securities may on behalf
of the holders of all of the applicable debt securities rescind such acceleration and its consequences if such rescission would not conflict
with any judgment or decree of a court of competent jurisdiction. If an event of default relating to bankruptcy, insolvency, reorganization
or similar events of the Company occurs, the entire principal amount of and all accrued but unpaid interest on all the applicable debt
securities will automatically become immediately due and payable without any declaration or other action on the part of the applicable
trustee or any holder.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">The indentures also provide that the holders of a majority
in aggregate principal amount of the applicable debt securities may on behalf of the holders of all of such debt securities waive any
existing default or event of default with respect to such debt securities and its consequences, except a continuing default or event of
default in the payment of the principal of or interest on the debt securities or in respect of a covenant or provision of the applicable
indenture which cannot be amended or modified without the consent of all holders of the applicable debt securities.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">The holders of not less than a majority in aggregate
principal amount of the applicable debt securities may direct the time, method and place of conducting any proceeding for exercising any
remedy available to the applicable trustee or exercising any trust or power conferred on such trustee with respect to such debt securities,
subject to the trustee's right to receive indemnity satisfactory to it.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">Except to enforce the right to receive payment of principal
or interest, when due, no holder of debt securities may pursue any remedy with respect to the indenture applicable to such holder's debt
securities unless:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 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: 6%">&nbsp;</TD>
    <TD STYLE="width: 1%"><FONT STYLE="font-size: 10pt">&bull;</FONT></TD>
    <TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="width: 92%"><FONT STYLE="font-size: 10pt">such holder has previously given the applicable trustee written notice of a continuing event of default with respect to such debt securities;</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">&bull;</FONT></TD>
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">the holders of at least 25% in aggregate principal amount of the then outstanding applicable debt securities have made a written request to the applicable trustee to pursue the remedy with respect to such default in its own name as such trustee under such indenture;</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">&bull;</FONT></TD>
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">such holders offer and provide to the applicable trustee security or indemnity acceptable to such trustee against any costs, expenses and liabilities to be incurred in compliance with such request;</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">&bull;</FONT></TD>
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">the applicable trustee has not complied with such request within 60 days after receipt of the request and the offer and the provision of security or indemnity acceptable to such trustee; and</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">&bull;</FONT></TD>
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">the holders of a majority in aggregate principal amount of the then outstanding applicable debt securities do not give the trustee a direction inconsistent with the request within such 60-day period.</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 4.5pt 0 0"><B><I>&nbsp;</I></B></P>

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">The applicable indenture will be discharged and will
cease to be of further effect as to all debt securities issued pursuant to such indenture, when:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">(1) either:</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 1in">(i) all such debt securities that have been authenticated,
except lost, stolen or destroyed debt securities that have been replaced or paid and such debt securities for whose payment money has
been deposited in trust and thereafter repaid to us or discharged from such trust, have been delivered to the applicable trustee for cancellation;
or</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 1in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 1in">&nbsp;</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 1in">(ii) all such debt securities not previously delivered
to the applicable trustee for cancellation have become due and payable by reason of the mailing of a notice of redemption or otherwise,
or will become due and payable within one year and we have irrevocably deposited with the applicable trustee (or the paying agent if other
than the trustee), in trust, for the benefit of the holders of the debt securities, cash in United States dollars, non-callable government
securities or a combination thereof, in such amounts as will be sufficient, in the opinion of a nationally recognized firm of independent
public accountants, to pay and discharge the entire indebtedness on the applicable debt securities not delivered to the trustee for cancellation
for principal and accrued interest, to the date of maturity or redemption;</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">(2) we have paid or caused to be paid all sums payable
by us under the applicable indenture with respect to the debt securities;</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">(3) we have delivered irrevocable instructions to the
applicable trustee to apply the deposited money toward the payment of the debt securities at maturity or on the redemption date, as the
case may be; and</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">(4) we have delivered to the applicable trustee an
officers&rsquo; certificate and an opinion of counsel stating that the conditions precedent to the satisfaction and discharge of the debt
securities have been satisfied.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B>Legal Defeasance and Covenant Defeasance</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><I>Legal Defeasance</I>. We will be deemed to have
paid and will be discharged from any and all obligations in respect of a series of debt securities and the related indenture on the 91st
day after we have made the deposit referred to below, and the provisions of such indenture will cease to be applicable with respect to
such debt securities (except for, among other matters, certain obligations to register the transfer of or exchange of such debt securities,
to replace stolen, lost or mutilated debt securities, to maintain paying agencies and to hold funds for payment in trust) if:</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">(1) we have irrevocably deposited with the applicable
trustee, in trust, for the benefit of the holders of such debt securities, cash in United States dollars, non-callable government securities,
or a combination thereof, in such amounts as will be sufficient, in the opinion of a nationally recognized firm of independent public
accountants, to pay the principal of and accrued interest on such debt securities at the time such payments are due in accordance with
the terms of the applicable indenture;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">(2) we have delivered to the applicable trustee:</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 1in">(i) an opinion of counsel to the effect that holders
of such debt securities will not recognize income, gain or loss for U.S. federal income tax purposes as a result of the defeasance and
will be subject to U.S. federal income tax on the same amounts and in the same manner and at the same times as would have been the case
if such defeasance had not occurred, which opinion of counsel must be based upon a ruling of the U.S. Internal Revenue Service, referred
to as the IRS, to the same effect or a change in applicable U.S. federal income tax law or related treasury regulations after the date
of the applicable indenture;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 1in">(ii) an opinion of counsel confirming that, among other
things, the defeasance trust does not constitute an &ldquo;investment company&rdquo; within the meaning of the Investment Company Act
of 1940, as amended; and</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 1in">(iii) an opinion of counsel to the effect that (subject
to customary qualifications and assumptions) after the 91st day following the deposit, the trust funds will not be subject to the effect
of any applicable bankruptcy, insolvency, reorganization or similar laws affecting creditors&rsquo; rights generally;</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">(3) no default (as defined above) or event of default
with respect to such debt securities will have occurred and be continuing on the date of such deposit, or insofar as events of default
due to certain events of bankruptcy, insolvency or reorganization in respect of us are concerned, during the period ending on the 91st
day after the date of such deposit, and such deposit shall not (i) cause the applicable trustee to have a conflicting interest within
the meaning of the Trust Indenture Act in respect of such debt securities or (ii) result in a breach or violation of, or constitute a
default under, any material agreement or instrument (other than the applicable indenture) to which we are a party or by which we are bound;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&nbsp;</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">(4) we have delivered to the applicable trustee an
officers&rsquo; certificate stating that the deposit was not made by us with the intent of preferring the holders of such debt securities
over any other creditors of ours or with the intent of defeating, hindering, delaying or defrauding any other creditors of ours;</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">(5) we have delivered to the applicable trustee an
officers&rsquo; certificate and an opinion of counsel, each stating that, subject to customary assumptions and exclusions, all conditions
precedent provided for or relating to the defeasance have been complied with; and</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">(6) the applicable trustee shall have received such
other documents, assurances and opinions of counsel as such trustee shall have reasonably required.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><I>Covenant Defeasance</I>. We will not need to comply
with the restrictive covenants described in any prospectus supplement with respect to a series of debt securities and other covenants
relating to, among other matters, our furnishing of periodic reports under the Exchange Act, our maintenance of our corporate existence
and the maintenance of our properties, and the applicable provisions of an indenture, if any, will cease to be applicable with respect
to an event of default under the debt securities other than an event of default due to our failure to pay the principal of or interest
on the notes when due, upon:</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">(1) the satisfaction of the conditions described in
clauses 1, 2(ii), 2(iii), 3, 4 and 5 under &ldquo;&mdash;<I>Legal Defeasance</I>;&rdquo; and</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">(2) our delivery to the applicable trustee of an opinion
of counsel confirming that, subject to customary assumptions and exclusions, the holders of such debt securities will not recognize income,
gain or loss for U.S. federal income tax purposes as a result of such covenant defeasance and will be subject to U.S. federal income tax
on the same amount and in the same manner and at the same times as would have been the case if such covenant defeasance had not occurred.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">If we exercise our option to omit compliance with certain
provisions of an applicable indenture as described in the immediately preceding paragraph and such debt securities are declared due and
payable because of the occurrence of an event of default that remains applicable, the amount of money and/or non-callable government securities
on deposit with the applicable trustee may not be sufficient to pay amounts due on such debt securities at the time of acceleration resulting
from such event of default. In such event, we will remain liable for such payments.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 4.5pt 0 0"><B>Supplemental Indentures/Amendments</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 4.5pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">Except as set forth below, we and the trustee under
the applicable indenture may enter into an indenture supplemental to such indenture, with the consent of the holders of not less than
a majority in principal amount of the debt securities then outstanding and affected by such amendment, voting as a single class. However,
without the consent of each affected holder of such debt securities, an amendment may not:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&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: 6%">&nbsp;</TD>
    <TD STYLE="width: 1%"><FONT STYLE="font-size: 10pt">&bull;</FONT></TD>
    <TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="width: 92%"><FONT STYLE="font-size: 10pt">reduce the principal amount of such debt securities;</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">&bull;</FONT></TD>
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">reduce the rate of or extend the time for payment of interest on such debt securities;</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">&bull;</FONT></TD>
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">reduce the principal of or change the maturity date of such debt securities;</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">&bull;</FONT></TD>
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">reduce the amount of the principal which would be due and payable upon an acceleration of the stated maturity thereof;</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
</TABLE>

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

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

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

<P STYLE="margin: 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: 6%">&nbsp;</TD>
    <TD STYLE="width: 1%"><FONT STYLE="font-size: 10pt">&bull;</FONT></TD>
    <TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="width: 92%"><FONT STYLE="font-size: 10pt">waive a default or event of default in the payment of the principal or interest on any such debt securities (except a rescission of acceleration of such debt securities, where permitted, by the holders of at least a majority in principal amount of such debt securities outstanding and a waiver of the payment default that resulted from such acceleration);</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">&bull;</FONT></TD>
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">make any such debt securities payable in money other than those stated in such debt securities;</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">&bull;</FONT></TD>
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">waive a redemption payment with respect to such debt securities;</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">&bull;</FONT></TD>
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">impair the right of any holder to institute suit for the enforcement of any payment with respect to such debt securities; or</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">&bull;</FONT></TD>
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">make any changes to the sections of the applicable indenture regarding waiver of past defaults, the unconditional rights of holders to receive payment or the prohibition on amendments reducing the principal amount of or interest on, or extending the time for payment on, any such debt securities without the consent of each affected holder.</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">We and the trustee under the applicable indenture may
enter into one or more indentures supplemental to the applicable indenture, without the consent of any holder of debt securities covered
by such indenture, for any of the following purposes:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 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: 6%">&nbsp;</TD>
    <TD STYLE="width: 1%"><FONT STYLE="font-size: 10pt">&bull;</FONT></TD>
    <TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="width: 92%"><FONT STYLE="font-size: 10pt">to cure any ambiguity, defect or inconsistency;</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">&bull;</FONT></TD>
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">to provide for the assumption of the Company&rsquo;s obligations to holders of such debt securities by a successor to the Company pursuant to the applicable indenture;</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">&bull;</FONT></TD>
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">to make any change that would provide any additional rights or benefits to the holders of such debt securities or that does not adversely affect the legal rights under the applicable indenture of any such holder;</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">&bull;</FONT></TD>
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">to provide for the issuance of and establish the form and terms and conditions of debt securities of any series as permitted by the applicable indenture;</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">&bull;</FONT></TD>
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">to comply with requirements of the SEC in order to effect or maintain the qualification of an indenture under the TIA;</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">&bull;</FONT></TD>
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">to conform the text of the applicable indenture or such debt securities to any provision of the description thereof set forth in this prospectus or any related prospectus supplement or term sheet;</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">&bull;</FONT></TD>
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">to add any guarantor or to provide any collateral to secure any such debt securities;</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 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: 6%">&nbsp;</TD>
    <TD STYLE="width: 1%"><FONT STYLE="font-size: 10pt">&bull;</FONT></TD>
    <TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="width: 92%"><FONT STYLE="font-size: 10pt">to add additional obligors under the applicable indenture and such debt securities; or</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">&bull;</FONT></TD>
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">to evidence and provide for the acceptance of appointment hereunder by a successor trustee with respect to the debt securities of one or more series and to add to or change any of the provisions of the applicable indenture as shall be necessary to provide for or facilitate the administration of the trusts hereunder by more than one trustee.</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">Subject to the requirements for the holders to waive
a default and to pursue a remedy with respect to an indenture or the debt securities covered thereby and the rights of any holder of such
debt securities to receive payment of principal of and interest on such debt securities, holders of a majority in aggregate principal
amount of the applicable debt securities voting as a single class may waive compliance in a particular instance by us with any provision
of the applicable indenture or the debt securities covered thereby, except as otherwise stated above.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 13.5pt 0 0"><B>Consolidations, Mergers and Sales of Assets</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 4.5pt 0 0; text-indent: 0.5in">We may not merge or consolidate with any other
corporation or sell or convey all or substantially all of our assets to any other corporation, unless either:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&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: 6%; padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="width: 1%; padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">&bull;</FONT></TD>
    <TD STYLE="width: 1%; padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="width: 92%; padding-right: 5.65pt; padding-left: 5.65pt">
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">we are the continuing corporation, or the successor corporation or the
    person that acquires all or substantially all of our assets is a corporation organized and existing under the laws of the United States
    or a state thereof or the District of Columbia and expressly assumes all our obligations under the outstanding debt securities and the
    indentures;</P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">&bull;</FONT></TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">immediately after giving effect to such merger, consolidation, sale, lease
    or conveyance there is no default (as defined above) or event of default under the indentures; and</P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">&bull;</FONT></TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">we shall have delivered to the trustees an officers&rsquo; certificate and an opinion of counsel, each stating, among other things, that such transaction complies with the terms of the indentures and that all conditions precedent provided for in the indentures relating to such transaction have been complied with.</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 9pt 0 0; text-indent: 0.5in">Upon any such consolidation or merger, sale,
lease or conveyance, the successor corporation formed, or into which we are merged or to which such sale, conveyance or transfer is made,
shall succeed to, and be substituted for, us under the indentures with the same effect as if it had been an original party to the indentures.
As a result, we will be released from all our liabilities and obligations under the indentures and under the debt securities.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 9pt 0 0; text-indent: 0.5in">There are no covenants or other provisions in
the indenture that would afford holders of debt securities additional protection in the event of a recapitalization transaction, a change
of control of us or a highly leveraged transaction. The merger covenant described above would only apply if the recapitalization transaction,
change of control or highly leveraged transaction were structured to include a merger or consolidation of us, or a sale or conveyance
or lease of all or substantially all of our assets. However, we may provide specific protections, such as a put right or increased interest,
for particular debt securities, that we would describe in the applicable prospectus supplement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 9pt 0 0; text-indent: 0.5in">Although there is a limited body of case law
interpreting the phrase &ldquo;substantially all&rdquo; and similar phrases, there is no precise established definition of the phrase
under applicable law. Accordingly, in certain circumstances there may be a degree of uncertainty as to whether a particular transaction
would involve &ldquo;substantially all&rdquo; of the property or assets of a person.<BR>
<BR>
<BR>
<B>Governing Law<BR>
<BR>
</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">The indentures and debt securities will be governed
by and construed in accordance with the laws of the State of New York.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B><A NAME="depositaryshares"></A>DESCRIPTION OF DEPOSITARY SHARES</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">The following description, together with the additional
information we may include in any applicable prospectus supplements, summarizes the material terms and provisions of the depositary shares
that we may offer under this prospectus and the related depository agreements and depository receipts. While the terms summarized below
will apply generally to any depositary shares that we may offer, we will describe the particular terms of any series of depositary shares
in more detail in the applicable prospectus supplement. If we indicate in the prospectus supplement, the terms of any depositary shares
offered under that prospectus supplement may differ from the terms described below. Specific depositary agreements and depositary receipts
relating thereto will contain additional important terms and provisions and will be incorporated by reference as an exhibit to the registration
statement, which includes this prospectus. We urge you to read the applicable prospectus supplement and any related free writing prospectus,
as well as the complete depositary agreements and depositary receipts certificates that contain the terms of the depositary shares.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&nbsp;</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">We may, at our option, elect to offer and issue fractional
shares of preferred stock rather than full shares of preferred stock. In such event, we will issue receipts for depositary shares, called
depositary receipts, each of which will represent a fraction of a share of a particular series of preferred stock.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">We will deposit the shares of any series of the preferred
stock underlying the depositary shares under a separate deposit agreement between us and a bank or trust company selected by us, known
as a depositary, having its principal office in the United States, and having a combined capital and surplus of at least $50 million.
The applicable prospectus supplement will provide the name and address of the depositary. Subject to the terms of the deposit agreement,
each owner of a depositary share will have a fractional interest in all the rights and preferences of the preferred stock underlying the
depositary share. These rights include any dividend, voting, redemption, conversion and liquidation rights.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">The depositary shares will be evidenced by depositary
receipts issued pursuant to the deposit agreement. Depositary receipts will be distributed to those persons purchasing the fractional
shares of preferred stock in accordance with the terms of the applicable prospectus supplement and deposit agreement.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">While the final depositary receipts are being prepared,
we may order the depositary, in writing, to issue temporary depositary receipts substantially identical to the final depositary receipts
although not in final form. This will entitle the holders to all the rights relating to the final depositary receipts. Final depositary
receipts will be prepared without unreasonable delay, and the holders of the temporary depositary receipts can exchange them for the final
depositary receipts at our expense.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B>Dividends and Other Distributions</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">The depositary will distribute all cash dividends or
other cash distributions received for the preferred stock (less any taxes required to be withheld) to the record holders of depositary
shares representing the preferred stock in proportion to the number of depositary shares that the holders own on the relevant record date.
The depositary will distribute only the amount that can be distributed without attributing to any holder of depositary shares a fraction
of one cent. The balance not distributed will be added to and treated as part of the next sum that the depositary receives for distribution
to record holders of depositary shares.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">If there is a distribution other than in cash, the
depositary will distribute property to the record holders of depositary shares that are entitled to it, unless the depositary determines
that it is not feasible to make this distribution. If this occurs, the depositary may, with our approval, sell the property and distribute
the net proceeds from the sale to the holders of depositary shares.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B>Redemption of Preferred Stock</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">If a series of preferred stock represented by depositary
shares is to be redeemed, the depositary shares will be redeemed from the proceeds received by the depositary resulting from the redemption,
in whole or in part, of such series of preferred stock. The depositary shares will be redeemed by the depositary at a price per depositary
share equal to the applicable fraction of the redemption price per share payable in respect of the shares of preferred stock so redeemed.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">From and after the date fixed for redemption, the depositary
shares called for redemption will no longer be outstanding. When the depositary shares are no longer outstanding, all rights of the holders
of depositary shares will cease, except the right to receive money or property that the holders of the depositary shares were entitled
to receive on redemption. The payments will be made when holders surrender their depositary receipts to the depositary.</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">Unless the applicable prospectus supplement indicates
otherwise, the series of preferred stock underlying the depositary shares will not be convertible or exchangeable into any other class
or series of our capital stock.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><BR>
<BR>
<B>Withdrawal of Preferred Stock</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">If you surrender depositary receipts at the principal
corporate trust office of the depositary (unless the related depositary shares have previously been called for redemption), you are entitled
to receive at that office, should you so request, the number of shares of preferred stock and any money or other property represented
by the depositary shares. We will not issue partial shares of preferred stock. If you deliver a number of depositary receipts evidencing
a number of depositary shares that represent more than a whole number of depositary shares of preferred stock to be withdrawn, the depositary
will issue you a new depositary receipt evidencing the excess number of depositary shares at the same time that the preferred stock is
withdrawn. Holders of preferred stock will no longer be entitled to deposit these shares under the deposit agreement or to receive depositary
shares in exchange for those withdrawn shares of preferred stock. We cannot assure you that a market will exist for the withdrawn preferred
stock.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B>Voting Deposited Preferred Stock</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">Upon receipt of notice of any meeting at which the
holders of any series of deposited preferred stock are entitled to vote, the depositary will mail the information contained in such notice
of meeting to the record holders of the depositary shares relating to such series of preferred stock. Each record holder of such depositary
shares on the record date will be entitled to instruct the depositary to vote the amount of the preferred stock represented by such holder&rsquo;s
depositary shares. The depositary will try to vote the amount of such series of preferred stock represented by such depositary shares
in accordance with such instructions.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">We will agree to take all reasonable actions that the
depositary determines are necessary to enable the depositary to vote as instructed. The depositary will not vote any preferred stock if
it does not receive specific instructions from the holders of depositary shares relating to the preferred stock.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B>Amendment and Termination of the Deposit Agreement</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">Unless otherwise provided in the applicable prospectus
supplement or required by law, the form of depositary receipt evidencing the depositary shares and any provision of the deposit agreement
may be amended at any time by an agreement between us and the depositary. A deposit agreement may be terminated by either the depositary
or us only if:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 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: 5%; padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="width: 3%; padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">&bull;</FONT></TD>
    <TD STYLE="width: 2%; padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="width: 90%; padding-right: 5.65pt; padding-left: 5.65pt">
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">all outstanding depositary shares have been redeemed;</P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">&bull;</FONT></TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">each share of preferred stock has been converted into or exchanged for
    common stock; or</P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">&bull;</FONT></TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">there has been a final distribution on the preferred stock of the relevant series in connection with our liquidation, dissolution or winding up and the distribution has been distributed to the holders of the related depositary receipts evidencing the depositary shares.</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&nbsp;</P>

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">We will pay all transfer and other taxes and governmental
charges arising solely from the existence of the depositary arrangements. We will pay charges of the depositary associated with the initial
deposit and any redemption of the preferred stock. Holders of depositary shares will pay transfer and other taxes and governmental charges,
and any other charges that are stated to be their responsibility in the deposit agreement.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B>Resignation and Removal of Depositary</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">The depositary may resign at any time by delivering
notice to us. We also may remove the depositary at any time. Resignations or removals will be effective when a successor depositary is
appointed, and when the successor accepts the appointment. A successor depositary must be appointed within 60 days after delivery of the
notice of resignation or removal. A successor depositary must be a bank or trust company having its principal office in the United States,
and having a combined capital and surplus of at least $50 million.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&nbsp;</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">The depositary will forward all reports and communications
from us that are delivered to the depositary and that we are required to furnish to the holders of the deposited preferred stock.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">Neither the depositary nor we will be liable if it
is prevented or delayed by law or any circumstances beyond its control in performing its obligations under the deposit agreement. Our
obligations and the obligations of the depositary under the deposit agreement will be limited to good faith performance of their duties
thereunder, and they will not be obligated to prosecute or defend any legal proceeding in respect of any depositary shares, depositary
receipts or shares of preferred stock unless satisfactory indemnity is furnished. We and the depositary may rely upon written advice of
counsel or accountants or upon information provided by holders of depositary receipts or other persons believed to be competent and on
documents believed to be genuine.<BR>
<BR>
&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B><A NAME="warrants"></A>DESCRIPTION OF WARRANTS</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">The following description, together with the additional
information we may include in any applicable prospectus supplements, summarizes the material terms and provisions of the warrants that
we may offer under this prospectus and the related warrant agreements and warrant certificates. While the terms summarized below will
apply generally to any warrants that we may offer, we will describe the particular terms of any series of warrants in more detail in the
applicable prospectus supplement. If we indicate in the prospectus supplement, the terms of any warrants offered under that prospectus
supplement may differ from the terms described below. Specific warrant agreements will contain additional important terms and provisions
and will be incorporated by reference as an exhibit to the registration statement of which this prospectus forms a part. We urge you to
read the applicable prospectus supplement and any related free writing prospectus, as well as the complete warrant agreements and warrant
certificates that contain the terms of the warrants.</P>

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">We may issue warrants for the purchase of common stock,
preferred stock and/or debt securities. Warrants may be issued separately or together with common stock, preferred stock or debt securities
offered and issued by any prospectus supplement and may be attached to or separate from such common stock, preferred stock or debt securities.
Each series of warrants will be issued under a separate warrant agreement to be entered into between us and a bank or trust corporation,
as warrant agent, all as set forth in the prospectus supplement relating to the particular issue of warrants.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">We will describe in the applicable prospectus supplement
the terms of the particular warrants being offered and issued and the applicable warrant agreement, including, where applicable:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&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: 5%; padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="width: 3%; padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">&bull;</FONT></TD>
    <TD STYLE="width: 2%; padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="width: 90%; padding-right: 5.65pt; padding-left: 5.65pt">
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">the title of the warrants;</P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">&bull;</FONT></TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">the offering price for the warrants;</P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">&bull;</FONT></TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">the aggregate number of warrants offered;</P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">&bull;</FONT></TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">the designation and terms of the common stock, preferred stock or debt
    securities, if any, purchasable upon exercise of the warrants;</P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">&bull;</FONT></TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">the designation and terms of the common stock, preferred stock or debt
    securities, if any, with which the warrants are issued and the number of warrants issued with each of these securities;</P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">&bull;</FONT></TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">the date after which the warrants and any common stock, preferred stock
    or debt securities, if any, issued with the warrants will be separately transferable;</P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">&bull;</FONT></TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">in the case of warrants to purchase common stock or preferred stock, the
    number of shares of common stock or preferred stock, as the case may be, purchasable upon the exercise of one warrant and the price at
    which these shares may be purchased upon such exercise;</P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P></TD></TR>
</TABLE>

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

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

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

<P STYLE="margin: 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="padding-right: 5.65pt; padding-left: 5.65pt; width: 5%">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt; width: 3%"><FONT STYLE="font-size: 10pt">&bull;</FONT></TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt; width: 2%">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt; width: 90%">
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">in the case of warrants to purchase debt securities, the principal amount
    of debt securities purchasable upon exercise of one warrant and the price at, and currency in which, the principal amount of debt securities
    may be purchased upon such exercise;</P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">&bull;</FONT></TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">the dates on which the right to exercise the warrants begins and expires;</P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">&bull;</FONT></TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">the minimum or maximum amount of the warrants that may be exercised at
    any one time;</P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">&bull;</FONT></TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">the periods during which, and places at which, the warrants are exercisable;</P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">&bull;</FONT></TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">the manner of exercise;</P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">&bull;</FONT></TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">the currency, currencies or currency units in which the offering price,
    if any, and the exercise price are payable;</P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">&bull;</FONT></TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">a discussion of certain United States federal income tax considerations;</P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">&bull;</FONT></TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">any provisions for changes to or adjustments in the exercise price or number
    of securities issuable upon exercise of the warrants;</P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">&bull;</FONT></TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">any redemption or call provisions applicable to the warrants;</P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">&bull;</FONT></TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">the effect of any merger, consolidation, sale or other disposition of our
    business on the warrant agreement and the warrants; and</P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">&bull;</FONT></TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">any other terms, preferences, rights or limitations of or restrictions on the warrants.</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">Warrant certificates may be exchanged for new warrant
certificates of different denominations, may be presented for registration of transfer, and may be exercised at the corporate trust office
of the warrant agent or any other office indicated in the applicable prospectus supplement. Prior to the exercise of any warrants to purchase
common stock or preferred stock, holders of such warrants will not have any rights of holders of the common stock or preferred stock purchasable
upon such exercise, including the right to receive payments of dividends, if any, on the common stock or preferred stock purchasable upon
such exercise or to exercise any applicable right to vote. Prior to the exercise of any warrant to purchase debt securities, holders of
such warrants will not have any of the rights of holders of the debt securities purchasable upon such exercise, including the right to
receive payments of principal of, premium, if any, or interest, if any, on the debt securities purchasable upon such exercise or to enforce
covenants in the applicable indenture.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&nbsp;</P>

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">Each warrant will entitle the holder to purchase such
shares of common stock or preferred stock or principal amount of debt securities, as the case may be, at such exercise price as shall
in each case be set forth in, or calculable from, the prospectus supplement relating to the warrants we propose to offer and issue. After
the close of business on the expiration date of the warrants (or such later date to which such expiration date may be extended by us),
unexercised warrants will become void.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&nbsp;</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B><A NAME="units"></A>DESCRIPTION OF UNITS</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">The following description, together with the additional
information we may include in any applicable prospectus supplements, summarizes the material terms and provisions of the units that we
may offer under this prospectus and any related unit agreements that we may enter into. While the terms summarized below will apply generally
to any units that we may offer, we will describe the particular terms of any series of units in more detail in the applicable prospectus
supplement. If we indicate in the prospectus supplement, the terms of any units offered under that prospectus supplement may differ from
the terms described below. Specific unit agreements will contain additional important terms and provisions and will be incorporated by
reference as an exhibit to the registration statement, which includes this prospectus. We urge you to read the applicable prospectus supplement
and any related free writing prospectus, as well as the complete unit agreements that contain the terms of the units.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 37.05pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 37.05pt">We may issue units comprised of two or more of the
other securities described in this prospectus in any combination and in one or more series. We may evidence each series of units by unit
certificates that we will issue under a separate agreement. We may enter into unit agreements with a unit agent. Each unit agent will
be a bank or trust company that we select. We will indicate the name and address of the unit agent in the applicable prospectus supplement
relating to a particular series of units.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 37.05pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 37.05pt">We will describe in the applicable prospectus supplement
the terms of the particular warrants being offered and issued and the applicable warrant agreement, including, where applicable:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 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: 6%; padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="width: 1%; padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">&bull;</FONT></TD>
    <TD STYLE="width: 1%; padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="width: 92%; padding-right: 5.65pt; padding-left: 5.65pt">
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">the title of the series of units;</P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">&bull;</FONT></TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">the price or prices at which such units will be issued;</P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">&bull;</FONT></TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">the designation and terms of the units and of the securities comprising
    the units, including whether and under what circumstances those securities may be held or transferred separately;</P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">&bull;</FONT></TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-bottom: 10.25pt; padding-left: 5.65pt; line-height: 115%"><FONT STYLE="font-size: 10pt; line-height: 115%">any provisions for the issuance, payment, settlement, transfer or exchange of the units or of the securities comprising the units;</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">&bull;</FONT></TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">the terms of the unit agreement governing the units;</P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">&bull;</FONT></TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-bottom: 10.25pt; padding-left: 5.65pt; line-height: 115%"><FONT STYLE="font-size: 10pt; line-height: 115%">a discussion of certain United States federal income tax considerations; and</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">&bull;</FONT></TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">any other terms of the units and of the securities comprising the units.</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">The provisions described in this section, as well as
those described under &ldquo;Description of Common Stock,&rdquo; &ldquo;Description of Preferred Stock,&rdquo; &ldquo;Description of Debt
Securities,&rdquo; &ldquo;Description of Depositary Shares&rdquo; and &ldquo;Description of Warrants&rdquo; will apply to the securities
included in each unit, to the extent relevant and as may be updated in any prospectus supplements.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&nbsp;</P>

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B><A NAME="plan"></A>PLAN OF DISTRIBUTION</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">We may sell the securities:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 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: 6%; padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="width: 1%; padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">&bull;</FONT></TD>
    <TD STYLE="width: 1%; padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="width: 92%; padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">through underwriters;</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">&bull;</FONT></TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">through dealers;</P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">&bull;</FONT></TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">through agents;</P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">&bull;</FONT></TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">directly to purchasers; or</P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">&bull;</FONT></TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">through a combination of any of these methods or any other method permitted by law.</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">We also may issue the securities as a dividend or distribution
or in a subscription rights offering to our existing security holders.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">We may directly solicit offers to purchase securities,
or agents may be designated to solicit such offers. In the prospectus supplement relating to such offering, we will name any agent that
could be viewed as an underwriter under the Securities Act and describe any commissions that we are obligated to pay to any such agent.
Any such agent will be acting on a best efforts basis for the period of its appointment or, if indicated in the applicable prospectus
supplement, on a firm commitment basis.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">This prospectus may be used in connection with any
offering of our securities through any of these methods or other methods described in the applicable prospectus supplement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">Each time that we use this prospectus to sell our securities,
we will provide a prospectus supplement that describes the method of distribution of the securities and will set forth the specific terms
of the offering of securities, including, as applicable:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&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: 6%; padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="width: 1%; padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">&bull;</FONT></TD>
    <TD STYLE="width: 1%; padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="width: 92%; padding-right: 5.65pt; padding-left: 5.65pt">
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">the name or the underwriter, dealer or agent;</P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">&bull;</FONT></TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">the public offering or purchase price of the securities;</P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">&bull;</FONT></TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">any discounts and commissions to be allowed or paid to the underwriter or agent;</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">&bull;</FONT></TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">all other items constituting underwriting compensation;</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">&bull;</FONT></TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">any discounts and commissions to be allowed or paid to dealers;</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">&bull;</FONT></TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">any over-allotment option we grant to the underwriter under which the underwriter may purchase additional securities from us; and</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">&bull;</FONT></TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">any securities exchanges on which the securities will be listed.</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">If an underwriter is utilized in the sale of the securities
being offered by this prospectus or any prospectus supplement, an underwriting agreement will be executed under which the underwriter
will make resales of the securities to the public. In connection with the sale of the securities, we or the purchasers of securities for
whom the underwriter may act as agent, may compensate the underwriter in the form of underwriting discounts or commissions. The underwriter
may sell the securities to or through dealers, and those dealers may receive compensation in the form of discounts, concessions or commissions
from the underwriter and/or commissions from the purchasers for which they may act as agent. Unless otherwise indicated in a prospectus
supplement, an agent will be acting on a best efforts basis. If a dealer is utilized in the sale of the securities being offered by this
prospectus or any prospectus supplement, the securities will be sold to the dealer, as principal. The dealer may then resell the securities
to the public at varying prices to be determined by the dealer at the time of resale.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">Any compensation paid to underwriters, dealers or agents
in connection with the offering of the securities, and any discounts, concessions or commissions allowed by underwriters to participating
dealers will be provided in the applicable prospectus supplement. Underwriters, dealers and agents participating in the distribution of
the securities may be deemed to be underwriters within the meaning of the Securities Act, and any discounts and commissions received by
them and any profit realized by them on resale of the securities may be deemed to be underwriting discounts and commissions.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">If we offer securities in a subscription rights offering
to our existing security holders, we may enter into a standby underwriting agreement with dealers, acting as standby underwriters. We
may pay the standby underwriters a commitment fee for the securities they commit to purchase on a standby basis. If we do not enter into
a standby underwriting arrangement, we may retain a dealer-manager to manage a subscription rights offering for us.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">We may enter into agreements to indemnify underwriters,
agents and dealers against civil liabilities, including liabilities under the Securities Act, or to contribute to payments they may be
required to make in respect thereof and to reimburse those persons for certain expenses.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">Certain underwriters, agents and dealers, and their
associates and affiliates, may be customers of, have borrowing relationships with, engage in other transactions with, or perform services,
including investment banking services, for us or one or more of our respective affiliates in the ordinary course of business.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">The sale and distribution of the securities may be
effected from time to time in one or more transactions:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&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: 6%; padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="width: 1%; padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">&bull;</FONT></TD>
    <TD STYLE="width: 1%; padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="width: 92%; padding-right: 5.65pt; padding-left: 5.65pt">
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">at a fixed price or prices, which may be changed;</P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">&bull;</FONT></TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">at market prices prevailing at the time of sale;</P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">&bull;</FONT></TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">at prices related to such prevailing market prices; or</P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">&bull;</FONT></TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">at negotiated prices.</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-indent: 0.5in">Each prospectus supplement will describe the
method of distribution of the securities and any applicable conditions or restrictions.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-indent: 0.5in">In order to facilitate the offering of the securities,
any underwriters may engage in transactions that stabilize, maintain or otherwise affect the price of the securities or any other securities
the prices of which may be used to determine payments on such securities. Specifically, any underwriters may over allot in connection
with the offering, creating a short position for their own accounts. In addition, to cover overallotments or to stabilize the price of
the securities or of any such other securities, the underwriters may bid for, and purchase, the securities or any such other securities
in the open market. In any offering of the securities through a syndicate of underwriters, the underwriting syndicate also may reclaim
selling concessions allowed to an underwriter or a dealer for distributing the securities in the offering if the syndicate repurchases
previously distributed securities in transactions to cover syndicate short positions, in stabilization transactions or otherwise. Any
of these activities may stabilize or maintain the market price of the securities above independent market levels. Any such underwriters
are not required to engage in these activities and may end any of these activities at any time.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-indent: 0.5in">&nbsp;We may engage in at the market offerings
into an existing trading market in accordance with Rule 415(a)(4) under the Securities Act. In addition, we may enter into derivative
transactions with third parties, or sell securities not covered by this prospectus to third parties in privately negotiated transactions.
If the applicable prospectus supplement so indicates, in connection with those derivatives, the third parties may sell securities covered
by this prospectus and the applicable prospectus supplement, including in short sale transactions. If so, the third party may use securities
pledged by us or borrowed from us or others to settle those sales or to close out any related open borrowings of stock, and may use securities
received from us in settlement of those derivatives to close out any related open borrowings of stock. The third party in such sale transactions
will be an underwriter and, if not identified in this prospectus, will be named in the applicable prospectus supplement or a post-effective
amendment. In addition, we may otherwise loan or pledge securities to a financial institution or other third party that in turn may sell
the securities short using this prospectus and an applicable prospectus supplement. Such financial institution or other third party may
transfer its economic short position to investors in our securities or in connection with a concurrent offering of other securities.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-indent: 0.5in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-indent: 0.5in">Under Rule 15c6-1 of the Exchange Act, trades
in the secondary market generally are required to settle in two business days, unless the parties to any such trade expressly agree otherwise.
The applicable prospectus supplement may provide that the original issue date for your securities may be more than two scheduled business
days after the trade date for your securities. Accordingly, in such a case, if you wish to trade securities on any date prior to the second
business day before the original issue date for your securities, you will be required, by virtue of the fact that your securities initially
are expected to settle in more than two scheduled business days after the trade date for your securities, to make alternative settlement
arrangements to prevent a failed settlement.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">The securities may be new issues of securities and
may have no established trading market. We may elect to list other securities we offer pursuant to this prospectus and an applicable prospectus
supplement on a national securities exchange, but we are not obligated to do so. Any underwriters who purchase securities from us for
public offering and sale may make a market in those securities, but these underwriters will not be obligated to do so and may discontinue
any market making at any time without notice. We cannot assure you that there will be a trading market for any securities, and, if a trading
market for any securities does develop, we cannot assure you that such market will be liquid.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">The specific terms of any lock-up provisions in respect
of any given offering will be described in the applicable prospectus supplement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&nbsp;<BR STYLE="clear: both">
</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B><A NAME="legal"></A>LEGAL MATTERS</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">Unless otherwise indicated in the applicable prospectus
supplement, the validity of the securities offered by us pursuant to this prospectus will be passed upon for us by Stradley Ronon Stevens
&amp; Young, LLP, Philadelphia, Pennsylvania.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B><A NAME="experts"></A>EXPERTS</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">The consolidated financial statements incorporated
in this prospectus by reference from Customers Bancorp&rsquo;s Annual Report on Form 10-K and the effectiveness of Customers Bancorp&rsquo;s
internal control over financial reporting have been audited by Deloitte &amp; Touche LLP, an independent registered public accounting
firm, as stated in their reports. Such consolidated financial statements have been incorporated
by reference in reliance upon the reports of such firm, given upon their authority as experts in accounting and auditing.</P>

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B><A NAME="reference"></A>INCORPORATION OF CERTAIN DOCUMENTS BY REFERENCE</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">The SEC allows us to incorporate by reference information
into this prospectus. This means that we can disclose important information to you by referring you to another document filed separately
with the SEC. The information incorporated by reference is considered to be part of this prospectus, except for any information that is
superseded by subsequent incorporated documents or by information that is included directly in this prospectus, any prospectus supplement
or any related free writing prospectus. We incorporate by reference the documents listed below and any future filings we make with the
SEC after the date of this prospectus and until the termination of the offering of securities hereby under Sections 13(a), 13(c), 14 or
15(d) of the Exchange Act (other than, in each case, documents or information that is deemed, under the Exchange Act, in accordance with
the Exchange Act and SEC rules, to be &ldquo;furnished&rdquo; and not filed with the SEC):</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&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: 5%; padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="width: 3%; padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">&bull;</FONT></TD>
    <TD STYLE="width: 2%; padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="width: 90%; padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">Our Annual Report on <A HREF="http://www.sec.gov/Archives/edgar/data/1488813/000148881325000013/cubi-20241231.htm" STYLE="-sec-extract: exhibit">Form 10-K</A> for the year ended December 31, 2024, filed
with the SEC on February 28, 2025 (including the information specifically incorporated by reference therein from our <A HREF="http://www.sec.gov/Archives/edgar/data/1488813/000148881325000025/cubi-20250416.htm" STYLE="-sec-extract: exhibit">Definitive Proxy
Statement on Schedule 14A</A>, filed with the SEC on April 16, 2025);</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">&bull;</FONT></TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">Our Quarterly Report on <A HREF="http://www.sec.gov/Archives/edgar/data/1488813/000148881325000037/cubi-20250331.htm" STYLE="-sec-extract: exhibit">Form 10-Q</A> for the quarter ended March 31, 2025,
filed with the SEC on May 9, 2025;</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">&bull;</FONT></TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">Our Quarterly Report on <A HREF="http://www.sec.gov/Archives/edgar/data/1488813/000148881325000071/cubi-20250630.htm" STYLE="-sec-extract: exhibit">Form 10-Q</A> for the quarter ended June 30, 2025,
filed with the SEC on August 7, 2025;</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">&bull;</FONT></TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">Our Current Reports on Form 8-K filed with the SEC on <A HREF="https://www.sec.gov/ix?doc=/Archives/edgar/data/1488813/000148881325000018/cubi-20250328.htm" STYLE="-sec-extract: exhibit">April 2, 2025</A>, <A HREF="http://www.sec.gov/Archives/edgar/data/1488813/000148881325000044/cubi-20250514.htm" STYLE="-sec-extract: exhibit">May
14, 2025</A>, <A HREF="http://www.sec.gov/Archives/edgar/data/1488813/000148881325000047/cubi-20250527.htm" STYLE="-sec-extract: exhibit">May 28, 2025</A>, <A HREF="http://www.sec.gov/Archives/edgar/data/1488813/000148881325000050/cubi-20250528.htm" STYLE="-sec-extract: exhibit">June 2, 2025</A>, <A HREF="http://www.sec.gov/Archives/edgar/data/1488813/000148881325000057/cubi-20250528.htm" STYLE="-sec-extract: exhibit">June 11, 2025 (Form 8-K/A)</A> and <A HREF="http://www.sec.gov/Archives/edgar/data/1488813/000148881325000064/cubi-20250725.htm" STYLE="-sec-extract: exhibit">July 25, 2025</A>; and</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">&bull;</FONT></TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.65pt; padding-left: 5.65pt"><FONT STYLE="font-size: 10pt">The description of our common stock contained set forth in <A HREF="http://www.sec.gov/Archives/edgar/data/1488813/000148881320000033/cubi-12312019xex47.htm" STYLE="-sec-extract: exhibit">Exhibit 4.7</A> to our Annual Report on Form 10-K for the fiscal year ended December 31, 2019, filed with the SEC on March 2, 2020, and any amendment or report filed for the purpose of updating such description.</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">You may obtain a copy of any or all of the documents
incorporated by reference in this prospectus and any prospectus supplement from the SEC on its web site at www.sec.gov. You also may obtain
these documents from us without charge (other than an exhibit to a document unless that exhibit is specifically incorporated by reference
into that document) by requesting them from Andrew Sachs, Corporate Secretary, Customers Bancorp, Inc., 701 Reading Avenue, West Reading,
PA 19611; telephone (610) 933-2000.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"></P>

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    <DIV STYLE="break-before: page; margin-top: 6pt"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%"><TR><TD STYLE="text-align: center; width: 100%">&nbsp;</TD></TR></TABLE></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B><A NAME="findmore"></A>WHERE YOU CAN FIND MORE INFORMATION</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">We file annual, quarterly and current reports, proxy
statements and other information with the SEC. These filings are available to the public over the Internet at the SEC&rsquo;s website
at www.sec.gov. The reports and other information we file with the SEC are also available at our website at www.customersbank.com. We
have included the web addresses for the SEC and us as inactive textual references only. Except as specifically incorporated by reference
into this prospectus, information on those websites does not constitute part of this prospectus.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">We have filed with the SEC a registration statement
on Form S-3, which registers the securities that we may offer under this prospectus. This prospectus is part of that registration statement
and, as permitted by the SEC&rsquo;s rules, does not contain all the information required to be set forth in the registration statement.
We believe that we have included or incorporated by reference all information material to investors in this prospectus, but some details
that may be important for specific investment purposes have not been included. For further information, you should read the registration
statement and the exhibits filed with or incorporated by reference into the registration statement.</P>

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



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

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

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


<!-- Field: Page; Sequence: 66 -->
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    <DIV STYLE="break-before: page; margin-top: 6pt"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%"><TR><TD STYLE="text-align: center; width: 100%">&nbsp;</TD></TR></TABLE></DIV>
    <!-- Field: /Page -->

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

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

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

<!-- Field: Rule-Page --><DIV STYLE="margin-top: 12pt; margin-bottom: 3pt; width: 100%"><DIV STYLE="font-size: 1pt; border-top: Black 2pt solid; border-bottom: Black 1pt solid">&nbsp;</DIV></DIV><!-- Field: /Rule-Page -->

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

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center; margin-top: 0; margin-bottom: 0">&nbsp;<IMG SRC="cubilogo.jpg" ALT="Customers Bancorp Logo" STYLE="width: 385px; height: 100px"></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><FONT STYLE="font-size: 14pt"><B>Customers Bancorp,
Inc.</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-size: 14pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0; text-align: center"><FONT STYLE="font-size: 14pt"><B>$150,000,000<BR>
Common Stock</B></FONT></P>

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: center"><FONT STYLE="font-size: 14pt"><B>PROSPECTUS
SUPPLEMENT</B></FONT></P>

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

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR>
    <TD STYLE="vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt">
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><FONT STYLE="background-color: white"><I>Joint Book-Running
    Managers</I></FONT></P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><I>&nbsp;</I></P></TD>
    <TD STYLE="vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">&nbsp;</TD>
    </TR>
  <TR>
    <TD STYLE="vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-size: 14pt"><B>Morgan
    Stanley</B></FONT></TD>
    <TD COLSPAN="3" STYLE="vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-size: 14pt"><B>Keefe,
    Bruyette &amp; Woods</B><BR>
    <I>A Stifel Company</I></FONT></TD>
    <TD STYLE="vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-size: 14pt"><B>Raymond
    James</B></FONT></TD>
    </TR>
  <TR>
    <TD STYLE="width: 28%">&nbsp;</TD>
    <TD STYLE="width: 13%">&nbsp;</TD>
    <TD STYLE="width: 20%">&nbsp;</TD>
    <TD STYLE="width: 12%">&nbsp;</TD>
    <TD STYLE="width: 27%">&nbsp;</TD>
    </TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B>__________________________</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center; text-indent: 24.5pt"><B>These securities are not savings
accounts or deposits and are not federally insured or guaranteed.</B></P>

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

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

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

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

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

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B>September &nbsp;&nbsp;&nbsp;, 2025</B></P>

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


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

<!-- Field: Rule-Page --><DIV STYLE="margin-top: 3pt; margin-bottom: 12pt; width: 100%"><DIV STYLE="font-size: 1pt; border-top: Black 1pt solid; border-bottom: Black 2pt solid">&nbsp;</DIV></DIV><!-- Field: /Rule-Page -->

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

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

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























































<P STYLE="font: 10pt/115% Times New Roman, Times, Serif; margin: 0 0 10pt"></P>

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