<SEC-DOCUMENT>0001213900-25-044188.txt : 20250515
<SEC-HEADER>0001213900-25-044188.hdr.sgml : 20250515
<ACCEPTANCE-DATETIME>20250515160611
ACCESSION NUMBER:		0001213900-25-044188
CONFORMED SUBMISSION TYPE:	S-3
PUBLIC DOCUMENT COUNT:		9
FILED AS OF DATE:		20250515
DATE AS OF CHANGE:		20250515

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			Modular Medical, Inc.
		CENTRAL INDEX KEY:			0001074871
		STANDARD INDUSTRIAL CLASSIFICATION:	SURGICAL & MEDICAL INSTRUMENTS & APPARATUS [3841]
		ORGANIZATION NAME:           	08 Industrial Applications and Services
		EIN:				870620495
		STATE OF INCORPORATION:			NV
		FISCAL YEAR END:			0331

	FILING VALUES:
		FORM TYPE:		S-3
		SEC ACT:		1933 Act
		SEC FILE NUMBER:	333-287313
		FILM NUMBER:		25952763

	BUSINESS ADDRESS:	
		STREET 1:		16772 WEST BERNARDO DRIVE
		CITY:			SAN DIEGO
		STATE:			CA
		ZIP:			92127
		BUSINESS PHONE:		858-800-3500

	MAIL ADDRESS:	
		STREET 1:		16772 WEST BERNARDO DRIVE
		CITY:			SAN DIEGO
		STATE:			CA
		ZIP:			92127

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	BEAR LAKE RECREATION INC
		DATE OF NAME CHANGE:	19981208
</SEC-HEADER>
<DOCUMENT>
<TYPE>S-3
<SEQUENCE>1
<FILENAME>ea0239267-s3_modular.htm
<DESCRIPTION>REGISTRATION STATEMENT
<TEXT>
<HTML>
<HEAD>
     <TITLE></TITLE>
</HEAD>
<BODY STYLE="font: 10pt Times New Roman, Times, Serif">

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>As filed with the Securities and Exchange Commission
on May 15, 2025</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right"><B>Registration No. 333-&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</B></P>



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

<!-- Field: Rule-Page --><DIV STYLE="margin-top: 0pt; margin-bottom: 0pt; 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: 0pt 0; text-align: right"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-size: 7pt"><B>&nbsp;&nbsp;</B></FONT></P>

<P STYLE="font: 18pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-size: 12pt"><B>UNITED STATES</B></FONT></P>

<P STYLE="font: 18pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-size: 12pt"><B>SECURITIES AND
EXCHANGE COMMISSION</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>WASHINGTON, D.C. 20549</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></P>

<P STYLE="font: 18pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-size: 12pt"><B>FORM S-3</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>REGISTRATION STATEMENT UNDER THE SECURITIES
ACT OF 1933</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></P>

<P STYLE="font: 18pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-size: 12pt"><B>Modular Medical,
Inc.</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">(Exact name of registrant as specified in its charter)</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR>
    <TD STYLE="border-bottom: Black 1.5pt solid; vertical-align: top; text-align: center; width: 49%"><B>Nevada</B></TD>
    <TD STYLE="padding-bottom: 1.5pt; width: 2%">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt solid; vertical-align: top; text-align: center; width: 49%"><B>87-0620495</B></TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom; text-align: center">(State or other jurisdiction of <BR>
incorporation or organization)</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: center">(I.R.S. Employer <BR>
Identification Number)</TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-size: 7pt"><B>&nbsp;</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>10740 Thornmint Road</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>San Diego, California 92127</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>(858) 800-3500</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">(Address, including zip code, and telephone number,
including area code, of registrant&rsquo;s principal executive offices)</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-size: 7pt"><B>&nbsp;</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>James E. Besser<BR>
10740 Thornmint Road</B></P>

<P STYLE="text-align: center; margin-top: 0pt; font: 10pt Times New Roman, Times, Serif; margin-bottom: 0pt"><B>San Diego, California
92127<BR>
(858) 800-3500</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">(Name, address, including zip code, and telephone
number, including area code, of agent for service)</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>101 Wood Avenue South</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>Woodbridge, NJ 08830</B></P>

<P STYLE="text-align: center; margin-top: 0pt; font: 10pt Times New Roman, Times, Serif; margin-bottom: 0pt"><B>(732) 395-4400</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font-family: Times New Roman, Times, Serif">
  <TR STYLE="vertical-align: top">
    <TD STYLE="border-bottom: Black 1.5pt solid; font-size: 10pt; text-align: center"><B>From time to time after the effective date of this registration statement as determined by the registrant.</B></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="font-size: 10pt; text-align: center">(Approximate date of commencement of proposed sale to the public)</TD></TR>
  </TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></P>

<P STYLE="text-indent: 0.25in; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">If the only securities being registered on this Form are being offered
pursuant to dividend or interest reinvestment plans, please check the following box: <FONT STYLE="font-family: Times New Roman, Times, Serif">&#9744;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></P>

<P STYLE="text-indent: 0.25in; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">If any of the securities being registered on this Form are to be offered
on a delayed or continuous basis pursuant to Rule 415 under the Securities Act of 1933, other than securities offered only in connection
with dividend or interest reinvestment plans, check the following box: <FONT STYLE="font-family: Times New Roman, Times, Serif">&#9746;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></P>

<P STYLE="text-indent: 0.25in; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">If this Form is filed to register additional securities for an offering
pursuant to Rule 462(b) under the Securities Act, please check the following box and list the Securities Act registration statement number
of the earlier effective registration statement for the same offering. <FONT STYLE="font-family: Times New Roman, Times, Serif">&#9744;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></P>

<P STYLE="text-indent: 0.25in; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">If this Form is a post-effective amendment filed pursuant to Rule 462(c)
under the Securities Act, check the following box and list the Securities Act registration statement number of the earlier effective registration
statement for the same offering. <FONT STYLE="font-family: Times New Roman, Times, Serif">&#9744;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></P>

<P STYLE="text-indent: 0.25in; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">If this Form is a registration statement pursuant to General Instruction
I.D. or a post-effective amendment thereto that shall become effective upon filing with the Commission pursuant to Rule 462(e) under the
Securities Act, check the following box. <FONT STYLE="font-family: Times New Roman, Times, Serif">&#9744;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></P>

<P STYLE="text-indent: 0.25in; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">If this Form is a post-effective amendment to a registration statement
filed pursuant to General Instruction I.D. filed to register additional securities or additional classes of securities pursuant to Rule
413(b) under the Securities Act, check the following box. <FONT STYLE="font-family: Times New Roman, Times, Serif">&#9744;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></P>

<P STYLE="text-indent: 0.25in; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Indicate by check mark whether the registrant is a large accelerated filer,
an accelerated filer, a non-accelerated filer, a smaller reporting company, or an emerging growth company. See the definitions of &ldquo;large
accelerated filer,&rdquo; &ldquo;accelerated filer,&rdquo; &ldquo;smaller reporting company&rdquo; and &ldquo;emerging growth company&rdquo;
in Rule 12b-2 of the Exchange Act.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-size: 7pt">&nbsp;</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: 45%">Large accelerated filer</TD>
    <TD STYLE="width: 5%"><FONT STYLE="font-family: Times New Roman, Times, Serif">&#9744;</FONT></TD>
    <TD STYLE="width: 45%">Accelerated filer</TD>
    <TD STYLE="width: 5%"><FONT STYLE="font-family: Times New Roman, Times, Serif">&#9744;</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>Non-accelerated filer</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif">&#9746;</FONT></TD>
    <TD>Smaller reporting company</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif">&#9746;</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>Emerging growth company</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif">&#9744;</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></P>

<P STYLE="text-indent: 0.25in; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">If an emerging growth company, indicate by check mark if the registrant
has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant
to Section 7(a)(2)(B) of Securities Act. <FONT STYLE="font-family: Times New Roman, Times, Serif">&#9744;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></P>

<P STYLE="text-indent: 0.25in; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>The Registrant hereby amends this Registration Statement on such date or
dates as may be necessary to delay its effective date until the Registrant shall file a further amendment which specifically states that
this Registration Statement shall thereafter become effective in accordance with Section 8(a) of the Securities Act of 1933, as amended,
or until the Registration Statement shall become effective on such date as the Securities and Exchange Commission, acting pursuant to
said Section 8(a), may determine.</B></P>

<P STYLE="font: 7pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>



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

<!-- Field: Rule-Page --><DIV STYLE="margin-top: 0pt; margin-bottom: 0pt; 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: 7pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<!-- Field: Page; Sequence: 1 -->
    <DIV STYLE="margin-top: 12pt; margin-bottom: 6pt; border-bottom: Black 1.5pt solid"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">This registration statement contains two prospectuses:</P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in">&#9679;</TD><TD STYLE="text-align: justify">a base prospectus, which covers the offering, issuance and sale by us of up to $75,000,000 in the aggregate
of our common stock, preferred stock, debt securities, warrants and/or units consisting of some or all of these securities; and</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in">&#9679;</TD><TD STYLE="text-align: justify">a sales agreement prospectus supplement covering the offering, issuance and sale by us of up to a maximum
aggregate offering price of $7,200,000 of shares of our common stock pursuant to a Sales Agreement (&ldquo;Sales Agreement&rdquo;) dated
November 22, 2023, with Leerink Partners LLC as sales agent.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.25in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.25in; text-align: justify">The base prospectus immediately follows
this explanatory note. The specific terms of any securities to be offered pursuant to the base prospectus will be specified in a prospectus
supplement to the base prospectus. The sales agreement prospectus supplement immediately follows the base prospectus. Upon termination
of the Sales Agreement with Leerink Partners LLC, any portion of the $7,200,000 of securities included in the sales agreement prospectus
supplement that remains unsold pursuant to the Sales Agreement will be available for sale in other offerings pursuant to the base prospectus
and a corresponding prospectus supplement, and, if no shares are sold under the Sales Agreement, the full $7,200,000 of securities not
sold may be sold in other offerings pursuant to the base prospectus and a corresponding prospectus supplement.</P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

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

<!-- Field: Page; Sequence: 2 -->
    <DIV STYLE="margin-top: 6pt; margin-bottom: 6pt; border-bottom: Black 1.5pt solid"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="color: Red"><B>THE INFORMATION IN THIS PROSPECTUS IS NOT COMPLETE AND MAY BE CHANGED.
WE MAY NOT SELL THESE SECURITIES UNTIL THE REGISTRATION STATEMENT FILED WITH THE SECURITIES AND EXCHANGE COMMISSION IS EFFECTIVE. THIS
PROSPECTUS IS NOT AN OFFER TO SELL THESE SECURITIES AND IS NOT SOLICITING AN OFFER TO BUY THESE SECURITIES IN ANY STATE WHERE THE OFFER
OR SALE IS NOT PERMITTED.</B></FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; background-color: white"><FONT STYLE="color: Red"><B>SUBJECT
TO COMPLETION</B></FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; background-color: white"><FONT STYLE="color: Red"><B>DATED
MAY 15, 2025</B></FONT></P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B><IMG SRC="image_001.jpg" ALT=""></B></P>

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

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

<!-- Field: Rule-Page --><DIV STYLE="margin: 0pt auto; width: 25%"><DIV STYLE="font-size: 1pt; border-top: Black 1.5pt solid">&nbsp;</DIV></DIV><!-- Field: /Rule-Page -->

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; background-color: white"><B>$75,000,000</B></P>

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

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

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

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in; background-color: white">This
prospectus will allow us to issue, from time to time at prices and on terms to be determined at or prior to the time of the offering,
up to $75,000,000 of any combination of the securities described in this prospectus, either individually or in units. We may also offer
common stock or preferred stock upon conversion of or exchange for the debt securities; and common stock or preferred stock or debt securities
upon the exercise of warrants.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in; background-color: white">This
prospectus describes the general terms of these securities and the general manner in which these securities will be offered. We will provide
you with the specific terms of any offering in one or more supplements to this prospectus. The prospectus supplements will also describe
the specific manner in which these securities will be offered and may also supplement, update or amend information contained in this document.
You should read this prospectus and any prospectus supplement, as well as any documents incorporated by reference into this prospectus
or any prospectus supplement, carefully before you invest.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in; background-color: white">Our
securities may be sold directly by us to you, through agents designated from time to time or to or through underwriters or dealers. For
additional information on the methods of sale, you should refer to the section entitled &ldquo;Plan of Distribution&rdquo; in this prospectus
and in the applicable prospectus supplement. If any underwriters or agents are involved in the sale of our securities with respect to
which this prospectus is being delivered, the names of such underwriters or agents and any applicable fees, commissions or discounts and
over-allotment options will be set forth in a prospectus supplement. The price to the public of such securities and the net proceeds that
we expect to receive from such sale will also be set forth in a prospectus supplement.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in; background-color: white">Our common stock is listed on the Nasdaq Capital Market, under the
symbol &ldquo;MODD.&rdquo; On May 12, 2025, the last reported sale price of our common stock was $1.02 per share.</P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in; background-color: white">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in; background-color: white"><B>Investing
in our securities involves a high degree of risk. Before deciding whether to invest in our securities, you should consider carefully
the risks that we have described on page 6</B> <B>of this prospectus under the caption &ldquo;Risk Factors.&rdquo; We may include specific
risk factors in supplements to this prospectus under the caption &ldquo;Risk Factors.&rdquo; This prospectus may not be used to sell
our securities unless accompanied by a prospectus supplement.</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in; background-color: white"><B>Neither
the Securities and Exchange Commission nor any state securities commission has approved or disapproved of these securities or determined
if this prospectus is truthful or complete. Any representation to the contrary is a criminal offense.</B></P>

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

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

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


<!-- Field: Page; Sequence: 3 -->
    <DIV STYLE="margin-top: 12pt; margin-bottom: 6pt; border-bottom: Black 1.5pt solid"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; background-color: white">&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-bottom: 1pt; width: 91%">&nbsp;</TD>
    <TD STYLE="padding-bottom: 1pt; width: 1%">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: center; width: 8%"><B>Page</B></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: center">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD><A HREF="#m_001">ABOUT THIS PROSPECTUS</A></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: center">ii</TD></TR>
  <TR STYLE="vertical-align: top; background-color: White">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: center">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD><A HREF="#m_002">PROSPECTUS SUMMARY</A></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: center">1</TD></TR>
  <TR STYLE="vertical-align: top; background-color: White">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: center">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD><A HREF="#m_003">RISK FACTORS</A></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: center">6</TD></TR>
  <TR STYLE="vertical-align: top; background-color: White">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: center">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD><A HREF="#m_004">CAUTIONARY NOTE REGARDING FORWARD-LOOKING STATEMENTS</A></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: center">7</TD></TR>
  <TR STYLE="vertical-align: top; background-color: White">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: center">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD><A HREF="#m_005">USE OF PROCEEDS</A></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: center">8</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: center">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD><A HREF="#m_006">GENERAL DESCRIPTION OF SECURITIES</A></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: center">9-14</TD></TR>
  <TR STYLE="vertical-align: top; background-color: White">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: center">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD><A HREF="#m_011">PLAN OF DISTRIBUTION</A></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: center">15</TD></TR>
  <TR STYLE="vertical-align: top; background-color: White">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: center">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD><A HREF="#m_012">LEGAL MATTERS</A></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: center">17</TD></TR>
  <TR STYLE="vertical-align: top; background-color: White">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: center">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD><A HREF="#m_013">EXPERTS</A></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: center">17</TD></TR>
  <TR STYLE="vertical-align: top; background-color: White">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: center">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD><A HREF="#m_014">INCORPORATION OF CERTAIN INFORMATION BY REFERENCE</A></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: center">17</TD></TR>
  <TR STYLE="vertical-align: top; background-color: White">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: center">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD><A HREF="#m_015">WHERE YOU CAN FIND MORE INFORMATION</A></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: center">18</TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;&nbsp;</P>


<!-- Field: Page; Sequence: 4; Options: NewSection; Value: 1 -->
    <DIV STYLE="margin-top: 12pt; margin-bottom: 6pt; border-bottom: Black 1.5pt solid"><P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center; margin-top: 0pt; margin-bottom: 0pt"><!-- Field: Sequence; Type: LowerRoman; Name: PageNo -->i<!-- Field: /Sequence --></P></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B><A NAME="m_001"></A>ABOUT THIS PROSPECTUS</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in; background-color: white">This
prospectus is part of a registration statement that we filed with the Securities and Exchange Commission, or SEC, utilizing a &ldquo;shelf&rdquo;
registration process. Under this shelf registration process, we may offer shares of our common stock, preferred stock, various series
of debt securities or warrants to purchase common stock or preferred stock, either individually or in units, in one or more offerings,
with a total value of up to $75,000,000. This prospectus provides you with a general description of the securities we may offer. Each
time we offer a type or series of securities under this prospectus, we will provide a prospectus supplement that will contain specific
information about the terms of that offering.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in; background-color: white">This
prospectus does not contain all of the information included in the registration statement. For a more complete understanding of the offering
of the securities, you should refer to the registration statement, including its exhibits. The prospectus supplement may also add, update
or change information contained or incorporated by reference in this prospectus. However, no prospectus supplement will offer a security
that is not registered and described in this prospectus at the time of its effectiveness. This prospectus, together with the applicable
prospectus supplements and the documents incorporated by reference into this prospectus, includes all material information relating to
the offering of securities under this prospectus. You should carefully read this prospectus, the applicable prospectus supplement, the
information and documents incorporated herein by reference and the additional information under the heading &ldquo;Where You Can Find
More Information&rdquo; before making an investment decision.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in; background-color: white">You
should rely only on the information we have provided or incorporated by reference in this prospectus or any prospectus supplement. We
have not authorized anyone to provide you with information different from that contained or incorporated by reference in this prospectus.
No dealer, salesperson or other person is authorized to give any information or to represent anything not contained or incorporated by
reference in this prospectus. You must not rely on any unauthorized information or representation. This prospectus is an offer to sell
only the securities offered hereby, but only under circumstances and in jurisdictions where it is lawful to do so. You should assume that
the information in this prospectus or any prospectus supplement is accurate only as of the date on the front of the document and that
any information we have incorporated herein by reference is accurate only as of the date of the document incorporated by reference, regardless
of the time of delivery of this prospectus or any sale of a security.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in; background-color: white">We
further note that the representations, warranties and covenants made by us in any agreement that is filed as an exhibit to any document
that is incorporated by reference in the accompanying prospectus were made solely for the benefit of the parties to such agreement, including,
in some cases, for the purpose of allocating risk among the parties to such agreements, and should not be deemed to be a representation,
warranty or covenant to you. Moreover, such representations, warranties or covenants were accurate only as of the date when made. Accordingly,
such representations, warranties and covenants should not be relied on as accurately representing the current state of our affairs.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in; background-color: white">This
prospectus may not be used to consummate sales of our securities, unless it is accompanied by a prospectus supplement. To the extent there
are inconsistencies between any prospectus supplement, this prospectus and any documents incorporated by reference, the document with
the most recent date will control.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in; background-color: white">Unless the context otherwise requires, &ldquo;Modular Medical,&rdquo;
&ldquo;the Company,&rdquo; &ldquo;the Registrant,&rdquo; &ldquo;we,&rdquo; &ldquo;us,&rdquo; &ldquo;our&rdquo; and similar terms refer
to Modular Medical, Inc.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.25in">&nbsp;</P>


<!-- Field: Page; Sequence: 5; Value: 1 -->
    <DIV STYLE="margin-top: 12pt; margin-bottom: 6pt; border-bottom: Black 1.5pt solid"><P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center; margin-top: 0pt; margin-bottom: 0pt"><!-- Field: Sequence; Type: LowerRoman; Name: PageNo -->ii<!-- Field: /Sequence --></P></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<DIV STYLE="padding: 3pt; border: Black 1.5pt solid">

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B><A NAME="m_002"></A>PROSPECTUS SUMMARY</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><I>This summary highlights selected information that is presented in greater
detail elsewhere in this prospectus or incorporated by reference in this prospectus. Because it is only a summary, it does not contain
all of the information you should consider before investing in our securities, and it is qualified in its entirety by, and should be read
in conjunction with, the more detailed information included elsewhere in this prospectus. Before you decide whether to purchase our securities,
you should read this entire prospectus, the applicable prospectus supplement and any related free writing prospectus carefully, including
the risks of investing in our securities discussed under the heading &ldquo;Risk Factors&rdquo; contained in the applicable prospectus
supplement and any related free writing prospectus, and under similar headings in the other documents that are incorporated by reference
into this prospectus. You should also carefully read the information incorporated by reference into this prospectus, including our financial
statements, and the exhibits to the registration statement of which this prospectus is a part.</I></P>





<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt -6.75in; text-align: center">&nbsp;</P>

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">We are a pre-revenue medical device company focused on the design, development
and commercialization of innovative insulin pumps using modernized technology to increase pump adoption in the diabetes marketplace. Through
the creation of a novel two-part patch pump, our initial product, the MODD1, and its successor tubeless product, the Pivot, we seek to
fundamentally alter the trade-offs between cost and complexity and access to the higher standards of care that presently available insulin
pumps provide. By simplifying and streamlining the user experience from introduction, prescription, reimbursement, training and day-to-day
use, we seek to expand the wearable insulin delivery device market beyond the highly motivated &ldquo;super users&rdquo; and expand the
category into the mass market. The product seeks to serve both the type 1 and the rapidly growing, especially in terms of device adoption,
type 2 diabetes markets. In January 2024, we submitted a 510(k) premarket notification to the United States Food and Drug Administration
(the &ldquo;FDA&rdquo;) for our MODD1 insulin pump, and, in September 2024, we received FDA clearance to market and sell our MODD1 pump
in the United States. We are actively working to commercialize our MODD1 product and commence initial shipments in the first half of fiscal
2026, obtain regulatory clearance to market and sell our MODD1 product in foreign jurisdictions, improve the manufacturability and usability
of our MODD1 product and submit the Pivot tubeless version of the product for FDA approval during the quarter ending September 30, 2025.</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">We believe that there are a number of shortcomings and issues with currently
available insulin pumps that prevent a substantial number of people who require insulin on a daily basis from choosing an insulin pump
to treat their diabetes. We believe, that by tailoring our insulin pump to address such factors, we can expand the scope and adoption
rate of insulin pump usage. We believe that to achieve broader market acceptance, an insulin pump must be easier to learn to use, be less
time- consuming to operate, more intuitive to both patients and physicians, and meet the standards for coverage by insurance providers
so that co-payments required from patients are affordable and the hurdles to insurance coverage are significantly reduced, all while not
compromising accuracy and the basal bolus ability of a true pump.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Among the more prominent issues are:</P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Times New Roman">&#9679;</FONT></TD><TD STYLE="text-align: justify"><I>Complexity</I>: Many existing pumps are highly complex and require significant technical
expertise to use effectively. We believe such pumps were designed for &ldquo;super users,&rdquo; who have high levels of motivation and
technical competence. The complexity of pumps&nbsp;may be daunting to less technically inclined, less motivated users.</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Times New Roman">&#9679;</FONT></TD><TD STYLE="text-align: justify"><I>Cumbersome</I>: We believe that a majority of existing pumps are bulky and difficult to
manage, requiring a means of carrying the pump around and up to 48 inches of tubing to the injection site to connect the catheter to a
pump. The tubing and the cartridge, which holds the insulin, must be replaced every few days.&nbsp;&nbsp;This requires users to carry
spare parts and other equipment adding to the difficulty of using the pump. In comparison, our product only requires a cartridge change
every few days.</TD></TR></TABLE>

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

</DIV>

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

<!-- Field: Page; Sequence: 6; Options: NewSection; Value: 1 -->
    <DIV STYLE="margin-top: 12pt; margin-bottom: 6pt; border-bottom: Black 1.5pt solid"><P STYLE="font: normal 10pt Times New Roman, Times, Serif; text-align: center; margin-top: 0pt; margin-bottom: 0pt"><!-- Field: Sequence; Type: Arabic; Name: PageNo -->1<!-- Field: /Sequence --></P></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<DIV STYLE="padding: 3pt; border: Black 1.5pt solid">

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Times New Roman">&#9679;</FONT></TD><TD STYLE="text-align: justify"><I>Cost</I>: Costs associated with insulin pump therapy&nbsp;can be high and prohibitive,
especially for those on fixed or limited incomes. These costs vary by pump and insurance coverage, but multi-thousand-dollar upfront payments,
often with substantial co-payments in addition to possible additional co-payments on consumables, can easily place current pumps out of
reach for patients. The leading patch pump on the market today also requires the user to discard all the electronics required for pumping
and communication every three days, creating a higher cost architecture. This leads to limited or absent reimbursement/coverage and potentially
high financial hurdles for patients to gain access.</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Times New Roman">&#9679;</FONT></TD><TD STYLE="text-align: justify"><I>Outdated style</I>: Consumer electronics devices have evolved in both form and function. Diabetes
pumps have not experienced similar progress. We believe that consumers will be more receptive of products designed with the user experience
in mind and that many have low tolerance for complex, difficult procedures for use and maintenance of products.</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Times New Roman">&#9679;</FONT></TD><TD STYLE="text-align: justify"><I>Pump mechanism limitations</I>: Traditional pumps generally utilize a syringe and plunger mechanism to deliver
insulin. We believe this design limits the ability to reduce the size of the pump, and also potentially exposes the user to the unintended
delivery of the full volume of insulin within the pump, which can cause hypoglycemia or death. We believe that the fear of adverse health
events due to technical malfunctions related to traditional pump mechanism limitations deters the adoption of insulin pump therapy.</TD></TR></TABLE>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Our team has substantial knowledge of the diabetes industry and experience
in developing, obtaining marketing authorization for, and bringing insulin pumps to market. Based on this experience, we believe that
our innovative insulin pump, using a new and proprietary method of pumping insulin, can address most or all of these shortcomings. It
provides a state-of-the-art insulin pump capable of both basal (steady flow) and bolus (mealtime dosing) insulin disbursement. It also
has been designed considering a natural migration path to multi-chamber/multi-liquid pumps, potentially offering an exciting array of
new therapies to patients with diabetes and other conditions.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.25in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Our goal is to become the leader in expanding access to insulin pump technology
to a wider portion of diabetes sufferers and provide not just care for the super users, but &ldquo;diabetes care for the rest of us.&rdquo;
While our initial target market is people with Type 1 diabetes, we believe there is a substantial opportunity to penetrate the type 2
marketplace, first through our initial MODD1 pump, and with the future introduction of Pivot making our pump the only 3 milliliter, tubeless
removable patch pump on the market.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.25in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">The MODD1, and its successor product the Pivot, are high-precision pumps
that we believe represent the best choice for new pump patients because the products will be easy to afford, easy to learn, easy to use,
and have a revolutionary design and technology that enable precision with low-cost manufacture and high reproducibility.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify">Key features include:</P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 0.5in">&nbsp;</TD>
    <TD STYLE="width: 0.25in; text-align: justify">&#9679;</TD>
    <TD STYLE="text-align: justify">Two parts - one reusable, one disposable - snap together to form the working
system;</TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 0.5in">&nbsp;</TD>
    <TD STYLE="width: 0.25in; text-align: justify">&#9679;</TD>
    <TD STYLE="text-align: justify">One button interface, easy to learn and use;</TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 0.5in">&nbsp;</TD>
    <TD STYLE="width: 0.25in; text-align: justify">&#9679;</TD>
    <TD STYLE="text-align: justify">90-day reusable, 3-day disposable;</TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 0.5in">&nbsp;</TD>
    <TD STYLE="width: 0.25in; text-align: justify">&#9679;</TD>
    <TD STYLE="text-align: justify">Disposable portion removable at any time from an adhesive-backed retainer, which
remains in place;</TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 0.5in">&nbsp;</TD>
    <TD STYLE="width: 0.25in; text-align: justify">&#9679;</TD>
    <TD STYLE="text-align: justify">No external controller required, no charging, no battery replacement; and</TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 0.5in">&nbsp;</TD>
    <TD STYLE="width: 0.25in; text-align: justify">&#9679;</TD>
    <TD STYLE="text-align: justify">Slim profile, lighter weight.</TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">A proprietary survey of American healthcare payors representing 50 million
covered lives (approximately 1/3 of U.S. covered lives) performed for us by industry leading survey firm ISA in 2019 has demonstrated
that payors are willing to grant equivalent or preferential coverage for a product with this feature set at launch in exchange for discounts
of approximately 20%.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.25in">&nbsp;</P>

</DIV>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.25in"></P>

<!-- Field: Page; Sequence: 7; Value: 1 -->
    <DIV STYLE="margin-top: 12pt; margin-bottom: 6pt; border-bottom: Black 1.5pt solid"><P STYLE="font: normal 10pt Times New Roman, Times, Serif; text-align: center; margin-top: 0pt; margin-bottom: 0pt"><!-- Field: Sequence; Type: Arabic; Name: PageNo -->2<!-- Field: /Sequence --></P></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<DIV STYLE="padding: 3pt; border: Black 1.5pt solid">

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.25in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Our research, along with marketplace data provided by Seagrove Partners
in 2023, estimates that 33% of Americans with Type 1 diabetes, or T1D, have an insulin pump and 28% of Americans with T1D (44% of those
who currently utilize MDI) can be classified as having an interest in pump adoption and meeting the American Diabetes Association guidelines
of glucose control if their objections to the currently available suite of products can be overcome. They do not want to closely manage
their glucose levels and incur the associated time and effort involved. They are the Almost Pumpers. We have developed what we believe
to be the most technologically advanced delivery system to overcome the objections and provide the needed motivation for this market to
develop. We believe that there are four addressable hurdles to adoption:</P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Times New Roman">&#9679;</FONT></TD><TD STYLE="text-align: justify">Usability: the device needs to be easy to learn and to operate;</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Times New Roman">&#9679;</FONT></TD><TD STYLE="text-align: justify">Affordability: we will focus on overcoming copay and insurance hurdles rather than leaving
the &ldquo;insurance journey&rdquo; to the clinician and patient;</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Times New Roman">&#9679;</FONT></TD><TD STYLE="text-align: justify">Accessibility and Education: we will seek to engage patients to sample this new technology by supplying clinicians with free samples and simple
training to allow people to see first-hand the typical barriers to adoption that have been overcome; and</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Times New Roman">&#9679;</FONT></TD><TD STYLE="text-align: justify">Service and Support: where we will answer their questions and concerns during this diabetes experience.</TD></TR></TABLE>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">We believe this conversion process, engaging people to try and thereby
receive the benefits of our technology will substantially increase adoption of insulin pumps among both those with T1D and Type 2 diabetes
who remain reliant upon multiple daily injections. Diabetes is a disease that appears throughout the world. Therefore, we cannot segment
the market by socioeconomics, education or level of care. We intend to create an insulin pump that appeals to all Almost Pumpers.</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Instead of building complex, bespoke, and difficult to manufacture and maintain
pumping and control systems, we began with the technology and the user in mind. Using proprietary and patented methods of insulin measurement,
we were able to eschew complex mechanisms and instead built a product candidate using only parts from high volume consumer electronics
manufacturing lines, breaking the cost vs functionality curve that has existed in the insulin pump space and representing the first truly
modern insulin pump design. This is a new kind of product for a new kind of patient.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.25in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">A good part of our focus has shifted to managing the process of preparing
to move our initial production line to our manufacturing partner, Phillips-Medisize, a large tier-one medical device manufacturer, which
will manage and operate our production to produce products for human use. We believe that Phillips-Medisize will be able to rapidly scale
to higher volumes at lower cost. We continue to devote substantial time and resources, including exhibiting at major diabetes conferences,
to better understand the needs and preferences of Almost Pumpers and the specific patient/provider/payor requirements to motivate change
from MDI therapy. By making the bolus delivery at meals simple, we believe we will drive improved health outcomes.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.25in">&nbsp;</P>

</DIV>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.25in"></P>

<!-- Field: Page; Sequence: 8; Value: 1 -->
    <DIV STYLE="margin-top: 12pt; margin-bottom: 6pt; border-bottom: Black 1.5pt solid"><P STYLE="font: normal 10pt Times New Roman, Times, Serif; text-align: center; margin-top: 0pt; margin-bottom: 0pt"><!-- Field: Sequence; Type: Arabic; Name: PageNo -->3<!-- Field: /Sequence --></P></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<DIV STYLE="padding: 3pt; border: Black 1.5pt solid">

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.25in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">MODD1 has several distinguishing
features:</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><IMG SRC="image_002.jpg" ALT=""></P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in">1.</TD><TD STYLE="text-align: justify">The pump has a simple button to press to deliver insulin as the patient
requires it. The electronic pump uses a simple motor and rotating cam to motivate the insulin into the patient along with a low power
Bluetooth and near-field communication (NFC) chips to optionally allow the patient to communicate with their smart phone, tablet, or other
mobile computing platform.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 2.4pt">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in">2.</TD><TD STYLE="text-align: justify">The pump snaps together with a three-day disposable cartridge that is patient
filled with insulin for delivery. It includes the power source and a simple coin cell that allows it to run through the 80-hour life of
the cartridge.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 2.4pt">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in">3.</TD><TD STYLE="text-align: justify">The infusion set contains a soft 6 mm cannula and an introducer for insertion
into the skin and removal of the needle used to transfer insulin to the body.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.25in">&nbsp;&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">The system will deliver a
small continuous rate called a basal that will provide approximately 50% of the total daily dose required and the user will use the on-pump
button to administer boluses, typically before and after meals.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.25in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">The objective is to make the product candidate simple to acquire and take
home, simple to learn and most importantly, simple to use to expand the pump market, drive adoption and ultimately better clinical outcomes.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.25in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">We have developed a successor product, the Pivot, which represents a new
and improved version of the MODD1 and eliminates the external infusion set and incorporates it into the adhesive plate, while maintaining
the removable aspect of the pump. We anticipate that we will submit this product for FDA approval in the fall of 2025.</P>



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

</DIV>


<!-- Field: Page; Sequence: 9; Value: 1 -->
    <DIV STYLE="margin-top: 12pt; margin-bottom: 6pt; border-bottom: Black 1.5pt solid"><P STYLE="font: normal 10pt Times New Roman, Times, Serif; text-align: center; margin-top: 0pt; margin-bottom: 0pt"><!-- Field: Sequence; Type: Arabic; Name: PageNo -->4<!-- Field: /Sequence --></P></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<DIV STYLE="padding: 3pt; border: Black 1.5pt solid">

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-weight: normal">We
plan to commercialize our MODD1 product line using a highly differentiated
go-to-market strategy. Generally, current pumps are marketed by a large, direct sales force to end users directly, and the manufacturer
provides all training and support, as the current training reimbursement offered by insurance providers is inadequate to motivate clinicians
to provide such training to patients. We intend to employ a different strategy and utilize i) distributors to target the daily insulin
users who are still managed by a primary care physician and ii) a small direct sales force to directly engage with diabetes educator practices.
Specifically, our direct sales force will engage with larger diabetes educator practices, which currently prescribe a high volume of pumps
and deliver a consultative message focused on those users that indicate a desire to use a pump but have rejected all of the currently
available options. We engaged Seagrove Partners, LLC to conduct a survey of physicians and diabetes educators, and the resulting data
suggested that approximately 25% of multiple daily injectors could be receptive to our offering. We believe that the modest 30-minute
training requirement for our product, combined with the more limited feature set for our MODD1, will incentivize nurse practitioners to
identify and train new users who have not been offered pumps before. This would also allow us to offer virtual or second level training
support and not require us to be the primary training provider.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-weight: normal">We
plan to launch our MODD1 product during the quarter ending September
30, 2025 in a single region in the United States with a select group of providers to gain user experience. During the quarter ending December
31, 2025, we plan to submit a 510(k) premarket notification to the FDA for a new and improved version of the MODD1 product, our Pivot
product, which will use our proprietary, integrated insulin-delivery set manufactured by us. We believe the new integrated insulin-delivery
set will offer improved user experience, while reducing our production costs. The Pivot pump is the version that we plan to launch nationally
in the United States after we receive FDA clearance, which we expect could occur during the quarter ending March 31, 2026.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-weight: normal">We
have also begun the process of obtaining <I>Conformite Europeenne</I>,
or CE, mark clearance for our Pivot pump, which would allow us to market and sell in European markets. We expect to obtain CE mark clearance
during the quarter ending March 31, 2026. Our initial strategy to address European markets is to partner with distributors to bring the
Pivot to market in those countries that accept the CE mark and have acceptable reimbursement. We believe that the combination of our patch
pump form factor, lower cost at scale and lower training burden is well suited for European markets where there are very few physicians
or nurses available to provide training. This would allow the Pivot to gain rapid adoption in areas where pump penetration is currently
much lower than in the United States. We will target other select international markets using the same approach.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-weight: normal">We
believe the combination of these differentiated approaches will enable
us to take reasonable initial market share, while not incurring the significant overhead cost of existing commercialization strategies
employed by the incumbents, where competition for users is intense.</FONT></P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Our principal executive
offices are located at 10740 Thornmint Road, San Diego, California 92127 and our telephone number is (858) 800-3500. We maintain a
website at www.modular-medical.com to which we regularly post copies of our press releases, as well as additional information about
us. Our filings with the Securities and Exchange Commission, or SEC, will be available free of charge through the website as soon as
reasonably practicable after being electronically filed with or furnished to the SEC. Information contained on, or accessible
through, our website does not constitute a part of this prospectus or our other filings with the SEC, and you should not consider
any information contained on, or that can be accessed through, our website as part of this prospectus or in deciding whether to
purchase our Units.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.25in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">All brand names or trademarks appearing in this prospectus are the
property of their respective holders. Use or display by us of other parties&rsquo; trademarks, trade dress, or products in this prospectus
is not intended to, and does not, imply a relationship with, or endorsements or sponsorship of, us by the trademark or trade dress owners.</P>

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

</DIV>

<!-- Field: Page; Sequence: 10; Value: 1 -->
    <DIV STYLE="margin-top: 12pt; margin-bottom: 6pt; border-bottom: Black 1.5pt solid"><P STYLE="font: normal 10pt Times New Roman, Times, Serif; text-align: center; margin-top: 0pt; margin-bottom: 0pt"><!-- Field: Sequence; Type: Arabic; Name: PageNo -->5<!-- Field: /Sequence --></P></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B><A NAME="m_003"></A>RISK FACTORS</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Investment in any securities offered pursuant to this prospectus and the applicable
prospectus supplement involves risks. You should carefully consider the risk factors incorporated by reference to our most recent Annual
Report on Form 10-K and any subsequent Quarterly Reports on Form 10-Q or Current Reports on Form 8-K we file after the date of this prospectus,
and all other information contained or incorporated by reference into this prospectus, as updated by our subsequent filings under the
Exchange Act, and the risk factors and other information contained in the applicable prospectus supplement before acquiring any of such
securities. The occurrence of any of these risks might cause you to lose all or part of your investment in the offered securities.</P>

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

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

<!-- Field: Page; Sequence: 11; Value: 1 -->
    <DIV STYLE="margin-top: 12pt; margin-bottom: 6pt; border-bottom: Black 1.5pt solid"><P STYLE="font: normal 10pt Times New Roman, Times, Serif; text-align: center; margin-top: 0pt; margin-bottom: 0pt"><!-- Field: Sequence; Type: Arabic; Name: PageNo -->6<!-- Field: /Sequence --></P></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><B><A NAME="m_004"></A>CAUTIONARY NOTE REGARDING FORWARD-LOOKING STATEMENTS</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">This
prospectus, any accompanying prospectus supplement, and the documents incorporated by reference herein and therein, include forward-looking
statements within the meaning of Section 27A of the Securities Act of 1933, as amended, or the Securities Act, and Section 21E of the
Securities Exchange Act of 1934, as amended, or the Exchange Act. All statements other than statements of historical fact contained in
this prospectus, any accompanying prospectus supplement, or the documents incorporated by reference herein or therein, including statements
regarding estimates, future events, our future financial performance, business strategy and plans and objectives of management for future
operations, including with respect to us specifically and the cancer diagnostics industry in general, are forward-looking statements.
We have attempted to identify estimates and forward-looking statements by terminology including &ldquo;aims,&rdquo; &ldquo;anticipates,&rdquo;
&ldquo;believes,&rdquo; &ldquo;can,&rdquo; &ldquo;continue,&rdquo; &ldquo;could,&rdquo; &ldquo;estimates,&rdquo; &ldquo;expects,&rdquo;
&ldquo;goal,&rdquo; &ldquo;intends,&rdquo; &ldquo;may,&rdquo; &ldquo;plans,&rdquo; &ldquo;potential,&rdquo; &ldquo;predicts,&rdquo; &ldquo;seeks,&rdquo;
&ldquo;should,&rdquo; &ldquo;suggests,&rdquo; &ldquo;targets&rdquo; or &ldquo;will&rdquo; or the negative of these terms or other comparable
terminology. Although we do not make estimates or forward-looking statements unless we believe we have a reasonable basis for doing so,
we cannot guarantee their accuracy. Our estimates and forward-looking statements are based on our current assumptions and expectations
about future events and trends, which affect or may affect our business, strategy, operations or financial performance. These statements
are only predictions and involve known and unknown risks, uncertainties and other factors, which may cause our or our industry&rsquo;s
actual results, levels of activity, performance or achievements to vary materially from those expressed or implied by these estimates
and forward-looking statements.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Factors
that could cause or contribute to such differences in results and outcomes include, but are not limited to, those discussed under the
section entitled &ldquo;Risk Factors&rdquo; in this prospectus, any accompanying prospectus supplement, and in any documents incorporated
by reference herein and therein. Readers should carefully review this information as well as other risks and uncertainties described in
other filings with the SEC that we may make after the filing date of this prospectus. See the information included under the heading &ldquo;Where
You Can Find More Information.&rdquo;</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Moreover,
we operate in a very competitive and rapidly changing environment. New risks emerge from time to time and it is not possible for us to
predict all risk factors, nor can we address the impact of all factors on our business or the extent to which any factor, or combination
of factors, may cause our actual results to differ materially from those contained in any estimates or forward-looking statements. All
estimates and forward-looking statements speak only as of the date they were made, and, except to the extent required by applicable law
or regulation, we undertake no obligation to update or to review any estimate and/or forward-looking statement. In light of these risks
and uncertainties, we cannot assure you that the estimates or forward-looking statements contained in this prospectus, any accompanying
prospectus supplement, or the documents incorporated by reference herein or therein, will in fact occur. You should not place undue reliance
on these estimates and forward-looking statements.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">We
qualify all of our forward-looking statements by these cautionary statements.</P>

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


<!-- Field: Page; Sequence: 12; Value: 1 -->
    <DIV STYLE="margin-top: 12pt; margin-bottom: 6pt; border-bottom: Black 1.5pt solid"><P STYLE="font: normal 10pt Times New Roman, Times, Serif; text-align: center; margin-top: 0pt; margin-bottom: 0pt"><!-- Field: Sequence; Type: Arabic; Name: PageNo -->7<!-- Field: /Sequence --></P></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><A NAME="m_005"></A><B>USE OF PROCEEDS</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">We intend to use the net proceeds
we receive from the sale of our securities offered by us hereby for working capital and other general corporate purposes, including capital
expenditures.</P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.25in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-indent: 0.5in; margin: 0pt 0; text-align: justify; background-color: white">We
may set forth additional information regarding the use of proceeds from the sale of securities we offer under this prospectus in a prospectus
supplement relating to the specific offering. We have not determined the amount of net proceeds to be used specifically for the foregoing
purposes. As a result, our management will have broad discretion in the allocation of net proceeds.</P>

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


<!-- Field: Page; Sequence: 13; Value: 1 -->
    <DIV STYLE="margin-top: 12pt; margin-bottom: 6pt; border-bottom: Black 1.5pt solid"><P STYLE="font: normal 10pt Times New Roman, Times, Serif; text-align: center; margin-top: 0pt; margin-bottom: 0pt"><!-- Field: Sequence; Type: Arabic; Name: PageNo -->8<!-- Field: /Sequence --></P></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><A NAME="m_006"></A><B>GENERAL DESCRIPTION OF SECURITIES</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in; background-color: white">We,
directly or through agents, dealers or underwriters designated from time to time, may offer, issue and sell, together or separately, in
one or more offerings, up to $75,000,000 in the aggregate, inclusive of any exercise price thereof, of:</P>

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%">
  <TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top; width: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif">&#9679;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif">shares
    of our common stock, par value $0.001 per share;</FONT></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top">&nbsp;</TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif">&#9679;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif">shares
    of our preferred stock, par value $0.001 per share;</FONT></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top">&nbsp;</TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif">&#9679;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif">debt
    securities;</FONT></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top">&nbsp;</TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif">&#9679;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif">warrants
    to purchase shares of our common stock;</FONT></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top">&nbsp;</TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif">&#9679;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif">units
    comprised of one or more shares of common stock and warrants in any combination; or</FONT></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top">&nbsp;</TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif">&#9679;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif">any
    combination of the foregoing, each on terms to be determined at the time of sale.</FONT></TD></TR>
  </TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.25in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">The common stock, preferred stock, debt securities, warrants and units
are collectively referred to herein as the securities. This prospectus provides you with a general description of the securities we may
offer. Each time we offer securities under this prospectus, we will, to the extent required by law, provide you with a prospectus supplement
that will contain specific information about the terms of the offering. The prospectus supplement may also add, update or change information
in this prospectus. The securities involve various risks that we will describe in the section entitled &ldquo;Risk Factors&rdquo; that
will be included in each prospectus supplement. For more details, see the information included under the heading &ldquo;About this Prospectus.&rdquo;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.25in">&nbsp;</P>


<!-- Field: Page; Sequence: 14; Value: 1 -->
    <DIV STYLE="margin-top: 12pt; margin-bottom: 6pt; border-bottom: Black 1.5pt solid"><P STYLE="font: normal 10pt Times New Roman, Times, Serif; text-align: center; margin-top: 0pt; margin-bottom: 0pt"><!-- Field: Sequence; Type: Arabic; Name: PageNo -->9<!-- Field: /Sequence --></P></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B><A NAME="m_007"></A>DESCRIPTION OF CAPITAL STOCK</B></P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">We are authorized to issue up to 100,000,000 shares of Common Stock,
par value $0.001 per share and up to 5,000,000 shares of preferred stock, par value $0.001 per share. As of May 12, 2025, there were 54,247,388
shares of our Common Stock outstanding. In addition, as of May 12, 2025, there were outstanding:</P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; width: 100%"><TR STYLE="font-size: 10pt; vertical-align: top; text-align: justify">
<TD STYLE="font-size: 10pt; width: 0.5in"></TD><TD STYLE="font-size: 10pt; width: 0.25in; text-align: left">&#9679;</TD><TD STYLE="font-size: 10pt; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">5,397,871
shares of Common Stock reserved for issuance under our Amended and Restated 2017 Equity Incentive Plan;</FONT></TD>
</TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; width: 100%"><TR STYLE="font-size: 10pt; vertical-align: top; text-align: justify">
<TD STYLE="font-size: 10pt; width: 0.5in"></TD><TD STYLE="font-size: 10pt; width: 0.25in; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&#9679;</FONT></TD><TD STYLE="font-size: 10pt; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">4,917,090
shares of Common Stock issuable upon the exercise of options outstanding, with a weighted average exercise price of $3.17 per share;</FONT></TD>
</TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; width: 100%"><TR STYLE="font-size: 10pt; vertical-align: top; text-align: justify">
<TD STYLE="font-size: 10pt; width: 0.5in"></TD><TD STYLE="font-size: 10pt; width: 0.25in; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&#9679;</FONT></TD><TD STYLE="font-size: 10pt; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">104,168
shares of Common Stock issuable upon vesting of restricted stock units;</FONT></TD>
</TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; width: 100%"><TR STYLE="font-size: 10pt; vertical-align: top; text-align: justify">
<TD STYLE="font-size: 10pt; width: 0.5in"></TD><TD STYLE="font-size: 10pt; width: 0.25in; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#9679;</FONT></TD><TD STYLE="font-size: 10pt; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">767,796
shares of Common Stock issuable upon exercise of warrants outstanding at $6.00 per share;</FONT></TD>
</TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; width: 100%"><TR STYLE="font-size: 10pt; vertical-align: top; text-align: justify">
<TD STYLE="font-size: 10pt; width: 0.5in"></TD><TD STYLE="font-size: 10pt; width: 0.25in; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#9679;</FONT></TD><TD STYLE="font-size: 10pt; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">5,449,478
shares of Common Stock issuable upon exercise of warrants outstanding at $6.60 per share;</FONT></TD>
</TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; width: 100%"><TR STYLE="font-size: 10pt; vertical-align: top; text-align: justify">
<TD STYLE="font-size: 10pt; width: 0.5in"></TD><TD STYLE="font-size: 10pt; width: 0.25in; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#9679;</FONT></TD><TD STYLE="font-size: 10pt; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">484,006
shares of Common Stock issuable upon exercise of warrants outstanding at $1.325 per share;</FONT></TD>
</TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; width: 100%"><TR STYLE="font-size: 10pt; vertical-align: top; text-align: justify">
<TD STYLE="font-size: 10pt; width: 0.5in"></TD><TD STYLE="font-size: 10pt; width: 0.25in; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#9679;</FONT></TD><TD STYLE="font-size: 10pt; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">3,564,183
shares of Common Stock issuable upon exercise of warrants outstanding at $1.22 per share;</FONT></TD>
</TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; width: 100%"><TR STYLE="font-size: 10pt; vertical-align: top; text-align: justify">
<TD STYLE="font-size: 10pt; width: 0.5in"></TD><TD STYLE="font-size: 10pt; width: 0.25in; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#9679;</FONT></TD><TD STYLE="font-size: 10pt; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">381,540
shares of Common Stock issuable upon exercise of warrants outstanding at $1.875 per share;</FONT></TD>
</TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; width: 100%"><TR STYLE="font-size: 10pt; vertical-align: top; text-align: justify">
<TD STYLE="font-size: 10pt; width: 0.5in"></TD><TD STYLE="font-size: 10pt; width: 0.25in; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#9679;</FONT></TD><TD STYLE="font-size: 10pt; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">6,508,073
shares of Common Stock issuable upon exercise of warrants outstanding at $1.12 per share; and</FONT></TD>
</TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; width: 100%"><TR STYLE="font-size: 10pt; vertical-align: top; text-align: justify">
<TD STYLE="font-size: 10pt; width: 0.5in"></TD><TD STYLE="font-size: 10pt; width: 0.25in; text-align: left">&#9679;</TD><TD STYLE="font-size: 10pt; text-align: justify"><FONT STYLE="font-size: 10pt">874,672 shares of Common Stock
issuable upon exercise of warrants outstanding at $1.40 per share.</FONT></TD>
</TR></TABLE>


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

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-indent: 0.5in; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">The
following description is a summary, does not purport to be complete and is subject to and qualified in its entirety by reference to our
amended and rest</FONT>ated articles of incorporation, and our amended bylaws, each of which is incorporated herein by reference and
are exhibits to the registration statement of which this prospectus forms a part. We encourage you to read our amended and restated articles
of incorporation, our amended bylaws and the applicable provisions of the Nevada Revised Statutes (the &ldquo;NRS&rdquo;) for additional
information.</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-indent: 0.5in; margin: 0pt 0; text-align: justify">Each holder of our Common Stock is entitled to
a pro rata share of any cash distributions made to shareholders, including any dividend payments. The holders of our Common Stock are
entitled to one vote for each share or record on all matters to be voted on by our shareholders. There is no cumulative voting with respect
to the election of our directors or any other matter. Therefore, under our charter documents, the holders of more than 50% of the shares
voted for the election of those directors can elect all of the directors. Our board of directors currently are elected as a single class.
Our board of directors may from time to time declare dividends on our outstanding shares. In the event of our liquidation, dissolution
or winding up, the holders of our Common Stock are entitled to share ratably in all assets remaining available for distribution to them
after payment of our liabilities and after provision has been made for each class of stock, if any, having any preference in relation
to our Common Stock. Holders of shares of our Common Stock have no conversion, preemptive or other subscription rights, and there are
no redemption provisions applicable to our Common Stock.</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-indent: 0.5in; margin: 0pt 0; text-align: justify">Our articles of incorporation provide that our
board of directors has the right in its discretion to issue preferred stock without approval of our shareholders and to set the series,
classes, rights, privileges and preferences of our preferred stock or any classes, or series thereof without approval. In the event of
a hostile takeover, the board of directors could potentially use this preferred stock to preserve control.</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-indent: 0.5in; margin: 0pt 0; text-align: justify">The transfer agent and registrar for our Common
Stock is Colonial Stock Transfer Company, Inc., 7840 S 700 E, Sandy, UT 84070. Its telephone number is 801-355-5740.</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-indent: 0.5in; margin: 0pt 0; text-align: justify; background-color: white">Our common stock is listed
on The Nasdaq Capital Market under the symbol &ldquo;MODD.&rdquo;</P>

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

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

<!-- Field: Page; Sequence: 15; Value: 1 -->
    <DIV STYLE="margin-top: 12pt; margin-bottom: 6pt; border-bottom: Black 1.5pt solid"><P STYLE="font: normal 10pt Times New Roman, Times, Serif; text-align: center; margin-top: 0pt; margin-bottom: 0pt"><!-- Field: Sequence; Type: Arabic; Name: PageNo -->10<!-- Field: /Sequence --></P></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; background-color: white"><B><A NAME="m_008"></A>DESCRIPTION OF DEBT
SECURITIES</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in; background-color: white">The
following description, together with the additional information we include in any applicable prospectus supplements, summarizes the material
terms and provisions of the debt securities that we may offer under this prospectus. While the terms we have summarized below will apply
generally to any future debt securities we may offer pursuant to this prospectus, we will describe the particular terms of any debt securities
that we may offer in more detail in the applicable prospectus supplement. If we so indicate in a prospectus supplement, the terms of any
debt securities offered under such prospectus supplement may differ from the terms we describe below, and to the extent the terms set
forth in a prospectus supplement differ from the terms described below, the terms set forth in the prospectus supplement shall control.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in; background-color: white">We
may sell from time to time, in one or more offerings under this prospectus, debt securities, which may be senior or subordinated. We will
issue any such senior debt securities under a senior indenture that we will enter into with a trustee to be named in the senior indenture.
We will issue any such subordinated debt securities under a subordinated indenture, which we will enter into with a trustee to be named
in the subordinated indenture. We use the term &ldquo;indentures&rdquo; to refer to either the senior indenture or the subordinated indenture,
as applicable. The indentures will be qualified under the Trust Indenture Act of 1939, as in effect on the date of the indenture. We use
the term &ldquo;debenture trustee&rdquo; to refer to either the trustee under the senior indenture or the trustee under the subordinated
indenture, as applicable.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in; background-color: white">The
following summaries of material provisions of the senior debt securities, the subordinated debt securities and the indentures are subject
to, and qualified in their entirety by reference to, all the provisions of the indenture applicable to a particular series of debt securities.</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-indent: 0.5in; margin: 0pt 0; text-align: justify; background-color: white">Each indenture will provide
that debt securities may be issued from time to time in one or more series and may be denominated and payable in foreign currencies or
units based on or relating to foreign currencies. Neither indenture will limit the amount of debt securities that may be issued thereunder,
and each indenture will provide that the specific terms of any series of debt securities shall be set forth in, or determined pursuant
to, an authorizing resolution and/or a supplemental indenture, if any, relating to such series.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-indent: 0.5in; margin: 0pt 0; text-align: justify; background-color: white">We will describe in each
prospectus supplement the following terms relating to a series of debt securities:</P>

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%">
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0.25pt; width: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0.25pt; text-align: justify; width: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#9679;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0.25pt; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">the
    title or designation;</FONT></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0.25pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0.25pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0.25pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0.25pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0.25pt; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#9679;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0.25pt; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">the
    aggregate principal amount and any limit on the amount that may be issued;</FONT></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0.25pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0.25pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0.25pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0.25pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0.25pt; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#9679;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0.25pt; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">the
    currency or units based on or relating to currencies in which debt securities of such series are denominated and the currency or
    units in which principal or interest or both will or may be payable;</FONT></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0.25pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0.25pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0.25pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0.25pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0.25pt; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#9679;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0.25pt; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">whether
    we will issue the series of debt securities in global form, the terms of any global securities and who the depositary will be;</FONT></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0.25pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0.25pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0.25pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0.25pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0.25pt; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#9679;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0.25pt; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">the
    maturity date and the date or dates on which principal will be payable;</FONT></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0.25pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0.25pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0.25pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0.25pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0.25pt; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#9679;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0.25pt; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">the
    interest rate, which may be fixed or variable, or the method for determining the rate and the date interest will begin to accrue,
    the date or dates interest will be payable and the record dates for interest payment dates or the method for determining such dates;</FONT></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0.25pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0.25pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0.25pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0.25pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0.25pt; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#9679;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0.25pt; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">whether
    or not the debt securities will be secured or unsecured, and the terms of any secured debt;</FONT></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0.25pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0.25pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0.25pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0.25pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0.25pt; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#9679;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0.25pt; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">the
    terms of the subordination of any series of subordinated debt;</FONT></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0.25pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0.25pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0.25pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0.25pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0.25pt; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#9679;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0.25pt; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">the
    place or places where payments will be payable;</FONT></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0.25pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0.25pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0.25pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0.25pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0.25pt; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#9679;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0.25pt; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">our
    right, if any, to defer payment of interest and the maximum length of any such deferral period;</FONT></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0.25pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0.25pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0.25pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0.25pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0.25pt; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#9679;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0.25pt; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">the
    date, if any, after which, and the price at which, we may, at our option, redeem the series of debt securities pursuant to any optional
    redemption provisions;</FONT></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0.25pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0.25pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0.25pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0.25pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0.25pt; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#9679;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0.25pt; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">the
    date, if any, on which, and the price at which we are obligated, pursuant to any mandatory sinking fund provisions or otherwise,
    to redeem, or at the holder&rsquo;s option to purchase, the series of debt securities;</FONT></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0.25pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0.25pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0.25pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0.25pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0.25pt; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#9679;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0.25pt; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">whether
    the indenture will restrict our ability to pay dividends, or will require us to maintain any asset ratios or reserves</FONT></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0.25pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0.25pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0.25pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0.25pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0.25pt; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#9679;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0.25pt; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">whether
    we will be restricted from incurring any additional indebtedness;</FONT></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0.25pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0.25pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0.25pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0.25pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0.25pt; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#9679;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0.25pt; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">a
    discussion on any material or special U.S. federal income tax considerations applicable to a series of debt securities;</FONT></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0.25pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0.25pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0.25pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0.25pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0.25pt; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#9679;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0.25pt; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">the
    denominations in which we will issue the series of debt securities, if other than denominations of $1,000 and any integral multiple
    thereof; and</FONT></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0.25pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0.25pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0.25pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0.25pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0.25pt; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#9679;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0.25pt; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">any
    other specific terms, preferences, rights or limitations of, or restrictions on, the debt securities.</FONT></TD></TR>
  </TABLE>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in; background-color: white">We
may issue debt securities that provide for an amount less than their stated principal amount to be due and payable upon declaration of
acceleration of their maturity pursuant to the terms of the indenture. We will provide you with information on the federal income tax
considerations and other special considerations applicable to any of these debt securities in the applicable prospectus supplement.</P>

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

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

<!-- Field: Page; Sequence: 16; Value: 1 -->
    <DIV STYLE="margin-top: 12pt; margin-bottom: 6pt; border-bottom: Black 1.5pt solid"><P STYLE="font: normal 10pt Times New Roman, Times, Serif; text-align: center; margin-top: 0pt; margin-bottom: 0pt"><!-- Field: Sequence; Type: Arabic; Name: PageNo -->11<!-- Field: /Sequence --></P></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; background-color: white"><B>Conversion or Exchange Rights</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in; background-color: white">We
will set forth in the prospectus supplement the terms, if any, on which a series of debt securities may be convertible into or exchangeable
for our common stock or our other securities. We will include provisions as to whether conversion or exchange is mandatory, at the option
of the holder or at our option. We may include provisions pursuant to which the number of shares of our common stock or our other securities
that the holders of the series of debt securities receive would be subject to adjustment.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; background-color: white"><B>Information Concerning the Debenture Trustee</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in; background-color: white">The
debenture trustee, other than during the occurrence and continuance of an event of default under the applicable indenture, undertakes
to perform only those duties as are specifically set forth in the applicable indenture. Upon an event of default under an indenture, the
debenture trustee under such indenture must use the same degree of care as a prudent person would exercise or use in the conduct of his
or her own affairs. Subject to this provision, the debenture trustee is under no obligation to exercise any of the powers given it by
the indentures at the request of any holder of debt securities unless it is offered reasonable security and indemnity against the costs,
expenses and liabilities that it might incur.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; background-color: white"><B>Payment and Paying Agents</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in; background-color: white">Unless
we otherwise indicate in the applicable prospectus supplement, we will make payment of the interest on any debt securities on any interest
payment date to the person in whose name the debt securities, or one or more predecessor securities, are registered at the close of business
on the regular record date for the interest.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in; background-color: white">We
will pay principal of and any premium and interest on the debt securities of a particular series at the office of the paying agents designated
by us, except that unless we otherwise indicate in the applicable prospectus supplement, we will make interest payments by check which
we will mail to the holder. Unless we otherwise indicate in a prospectus supplement, we will designate the corporate trust office of the
debenture trustee in the City of New York as our sole paying agent for payments with respect to debt securities of each series. We will
name in the applicable prospectus supplement any other paying agents that we initially designate for the debt securities of a particular
series. We will maintain a paying agent in each place of payment for the debt securities of a particular series.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in; background-color: white">All
money we pay to a paying agent or the debenture trustee for the payment of the principal of or any premium or interest on any debt securities
which remains unclaimed at the end of two years after such principal, premium or interest has become due and payable will be repaid to
us, and the holder of the security thereafter may look only to us for payment thereof.</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in; background-color: white">The
indentures and the debt securities will be governed by and construed in accordance with the laws of the State of New York, except to the
extent that the Trust Indenture Act is applicable.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; background-color: white"><B>Subordination of Subordinated Debt Securities</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in; background-color: white">Our
obligations pursuant to any subordinated debt securities will be unsecured and will be subordinate and junior in priority of payment to
certain of our other indebtedness to the extent described in a prospectus supplement. The subordinated indenture does not limit the amount
of senior indebtedness we may incur. It also does not limit us from issuing any other secured or unsecured debt.</P>

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

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

<!-- Field: Page; Sequence: 17; Value: 1 -->
    <DIV STYLE="margin-top: 12pt; margin-bottom: 6pt; border-bottom: Black 1.5pt solid"><P STYLE="font: normal 10pt Times New Roman, Times, Serif; text-align: center; margin-top: 0pt; margin-bottom: 0pt"><!-- Field: Sequence; Type: Arabic; Name: PageNo -->12<!-- Field: /Sequence --></P></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; background-color: white"><A NAME="m_009"></A><B>DESCRIPTION OF WARRANTS</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in; background-color: white">We
may offer, sell and issue, from time to time, warrants to purchase shares of our common stock. The warrants may be issued independently
or together with shares of our common stock and may be attached to or separate from the shares of our common stock. If we issue warrants,
they will be evidenced by warrant agreements or warrant certificates issued under one or more warrant agreements, which will be contracts
between us and/or a bank or trust company, as warrant agent, and the holders of the warrants or an agent for the holders of the warrants,
all as shall be set forth in the prospectus supplement relating to warrants being offered pursuant to such prospectus supplement. The
forms of warrant agreements or warrant certificates, as applicable, relating to the warrants will be filed as exhibits to the registration
statement of which this prospectus is part and/or will be incorporated by reference from reports that we file with the SEC.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in; background-color: white">The
following summary of material provisions of the warrants and warrant agreements are subject to, and qualified in their entirety by reference
to, all of the provisions of the warrant agreement and warrant certificate applicable to a particular series of warrants. 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: 0pt 0; text-align: justify; text-indent: 0.5in; background-color: white"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in; background-color: white"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Whenever
warrants are to be issued and sold pursuant to this prospectus, we will file a prospectus supplement relating to that offer and sale
which will specify (in each case as applicable):</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in; background-color: white"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%">
  <TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top; width: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#9679;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">the
    number of shares of common stock purchasable upon exercise of the warrants and the exercise price at which such number of shares
    may be purchased upon exercise;</FONT></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#9679;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">the
    price or prices at which the warrants will be issued;</FONT></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#9679;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">the
    provisions, if any, for changes to or adjustments in the exercise price;</FONT></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#9679;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">the
    provisions, if any, for call rights or put rights relating to the warrants or the underlying shares of common stock;</FONT></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#9679;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">the
    date on which the right to exercise the warrants shall commence and the date on which the right will expire;</FONT></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#9679;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">if
    applicable, the number of warrants issued with each share of our common stock;</FONT></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#9679;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">if
    applicable, the date on and after which the warrants and the related common stock will be separately transferable; and</FONT></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#9679;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">any
    other terms of the warrants, including terms, procedures and limitations relating to the exchange, exercise and settlement of the
    warrants.</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Until
any warrants to purchase common stock are exercised, the holders of warrants will not be entitled, by virtue of being such holders, to
vote, consent, receive dividends, receive notice as stockholders with respect to any meeting of stockholders for the election of our
directors or any other matter, or to exercise any rights whatsoever as our stockholders.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Each
warrant will entitle the holder to purchase for cash such shares of our common stock at such exercise price as shall be in each case
be set forth in, or be determinable as set forth in, the prospectus supplement relating to the warrants offered thereby. Warrants may
be exercised at any time up to the close of business on the expiration date set forth in the prospectus supplement relating to the warrants
offered thereby. After the close of business on the expiration date, unexercised warrants will become void.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">The
warrants may be exercised as set forth in the prospectus supplement relating to the warrants offered. Upon receipt of payment and the
warrant certificate properly completed and duly executed at the Company or the corporate trust office of the warrant agent, as applicable,
or any other office indicated in the prospectus supplement, we will, as soon as practicable, forward the shares of our common stock purchasable
upon such exercise. If less than all of the warrants represented by such warrant certificate are exercised, a new warrant certificate
will be issued for the remaining warrants.</FONT></P>

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

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

<!-- Field: Page; Sequence: 18; Value: 1 -->
    <DIV STYLE="margin-top: 12pt; margin-bottom: 6pt; border-bottom: Black 1.5pt solid"><P STYLE="font: normal 10pt Times New Roman, Times, Serif; text-align: center; margin-top: 0pt; margin-bottom: 0pt"><!-- Field: Sequence; Type: Arabic; Name: PageNo -->13<!-- Field: /Sequence --></P></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

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


<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; background-color: white"><A NAME="m_010"></A><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>DESCRIPTION
OF UNITS</B></FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">We
may issue units comprised of one or more of the other securities described in this prospectus in any combination from time to time. Each
unit will be issued so that the holder of the unit is also the holder of each security included in the unit. Thus, the holder of a unit
will have the rights and obligations of a holder of each included security. If we issue units, they will be evidenced by unit agreements
or unit certificates issued under one or more unit agreements, which will be contracts between us and the holders of the units or an
agent for the holders of the units. The unit agreement under which a unit is issued may provide that the securities included in the unit
may not be held or transferred separately, at any time or at any time before a specified date. The forms of unit agreements or unit certificates,
as applicable, relating to the units will be filed as exhibits to the registration statement that includes this prospectus, or as an
exhibit to a filing with the SEC that is incorporated by reference into this prospectus.</FONT></P>

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

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

<!-- Field: Page; Sequence: 19; Value: 1 -->
    <DIV STYLE="margin-top: 12pt; margin-bottom: 6pt; border-bottom: Black 1.5pt solid"><P STYLE="font: normal 10pt Times New Roman, Times, Serif; text-align: center; margin-top: 0pt; margin-bottom: 0pt"><!-- Field: Sequence; Type: Arabic; Name: PageNo -->14<!-- Field: /Sequence --></P></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><A NAME="m_011"></A><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>PLAN
OF DISTRIBUTION</B></FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">We
may sell our securities from time to time in any manner permitted by the Securities Act, including any one or more of the following ways:</FONT></P>

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%">
  <TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top; width: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#9679;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">to
    investors through agents;</FONT></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#9679;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">directly
    to agents;</FONT></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#9679;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">to
    or through underwriters;</FONT></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#9679;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">to
    or through broker-dealers (acting as agent or principal);</FONT></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#9679;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">in
    a block trade;</FONT></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#9679;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">in
    ordinary brokerage transactions and transactions in which a broker solicits purchasers;</FONT></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#9679;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">in
    privately negotiated transactions;</FONT></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#9679;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">in
    &ldquo;at the market&rdquo; offerings, within the meaning of Rule 415(a)(4) of the Securities Act, to or through a market maker or
    into an existing trading market, on an exchange or otherwise; and/or</FONT></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#9679;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">directly
    to purchasers, through a specific bidding or auction process or otherwise.</FONT></TD></TR>
  </TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">The
securities may be sold at a fixed price or prices, which may be changed, at market prices prevailing at the time of sale, at prices relating
to the prevailing market prices or at negotiated prices.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Offers
to purchase offered securities may be solicited by agents designated by us from time to time. Any agent involved in the offer or sale
of the offered securities in respect of which this prospectus is delivered will be named, and any commissions payable by us will be set
forth, in the applicable prospectus supplement. Unless otherwise set forth in the applicable prospectus supplement, any agent will be
acting on a reasonable best efforts basis for the period of its appointment. Any agent may be deemed to be an underwriter, as that term
is defined in the Securities Act, of the offered securities so offered and sold.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">We
will set forth in a prospectus supplement the terms of the offering of our securities, including:</FONT></P>

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%">
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#9679;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">the
    name or names of any agents, underwriters or dealers;</FONT></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#9679;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">the
    purchase price of our securities being offered and the proceeds we will receive from the sale;</FONT></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#9679;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">any
    over-allotment options under which underwriters may purchase additional securities from us;</FONT></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#9679;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">any
    agency fees or underwriting discounts and commissions and other items constituting agents&rsquo; or underwriters&rsquo; compensation;</FONT></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#9679;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">the
    public offering price;</FONT></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#9679;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">any
    discounts or concessions allowed or reallowed or paid to dealers; and</FONT></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#9679;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">any
    securities exchanges on which such securities may be listed.</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

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

<!-- Field: Page; Sequence: 20; Value: 1 -->
    <DIV STYLE="margin-top: 12pt; margin-bottom: 6pt; border-bottom: Black 1.5pt solid"><P STYLE="font: normal 10pt Times New Roman, Times, Serif; text-align: center; margin-top: 0pt; margin-bottom: 0pt"><!-- Field: Sequence; Type: Arabic; Name: PageNo -->15<!-- Field: /Sequence --></P></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">If
offered securities are sold to the public by means of an underwritten offering, either through underwriting syndicates represented by
managing underwriters or directly by the managing underwriters, we will execute an underwriting agreement with an underwriter or underwriters,
and the names of the specific managing underwriter or underwriters, as well as any other underwriters, will be set forth in the applicable
prospectus supplement. In addition, the terms of the transaction, including commissions, discounts and any other compensation of the
underwriters and dealers, if any, will be set forth in the applicable prospectus supplement, which prospectus supplement will be used
by the underwriters to make resales of the offered securities. If underwriters are utilized in the sale of the offered securities, the
offered securities will be acquired by the underwriters for their own account and may be resold from time to time in one or more transactions,
including:</FONT></P>

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%">
  <TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top; width: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#9679;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">transactions
    on the Nasdaq Capital Market or any other organized market where the securities may be traded;</FONT></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#9679;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">in
    the over-the-counter market;</FONT></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#9679;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">in
    negotiated transactions; or</FONT></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#9679;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">under
    delayed delivery contracts or other contractual commitments.</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>


<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">We
may grant to the underwriters options to purchase additional offered securities to cover over-allotments, if any, at the public offering
price with additional underwriting discounts or commissions, as may be set forth in the applicable prospectus supplement. If we grant
any over-allotment option, the terms of the over-allotment option will be set forth in the applicable prospectus supplement.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">We
may authorize agents or underwriters to solicit offers by certain types of institutional investors to purchase securities from us at
the public offering price set forth in the prospectus supplement pursuant to delayed delivery contracts providing for payment and delivery
on a specified date in the future. We will describe the conditions to these contracts and the commissions we must pay for solicitation
of these contracts in the prospectus supplement.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">We
may indemnify agents, underwriters and dealers against specified liabilities, including liabilities incurred under the Securities Act,
or to contribution by us to payments they may be required to make in respect of such liabilities. Agents, underwriters or dealers, or
their respective affiliates, may be customers of, engage in transactions with or perform services for us or our respective affiliates,
in the ordinary course of business.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Unless
otherwise specified in the applicable prospectus supplement, each class or series of securities will be a new issue with no established
trading market, other than our common stock, which is traded on the Nasdaq Capital Market. We may elect to list any other class or series
of securities on any exchange and, in the case of our common stock, on any additional exchange. However, unless otherwise specified in
the applicable prospectus supplement, we will not be obligated to do so. It is possible that one or more underwriters may make a market
in a class or series of securities, but the underwriters will not be obligated to do so and may discontinue any market making at any
time without notice. We cannot give any assurance as to the liquidity of the trading market for any of the offered securities.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Any
underwriter may engage in over-allotment, stabilizing transactions, short-covering transactions and penalty bids in accordance with Regulation
M under the Exchange Act. Over-allotment involves sales in excess of the offering size, which create a short position. Stabilizing transactions
permit bids to purchase the underlying security so long as the stabilizing bids do not exceed a specified maximum price. Syndicate-covering
or other short-covering transactions involve purchases of the securities, either through exercise of the over-allotment option or in
the open market after the distribution is completed, to cover short positions. Penalty bids permit the underwriters to reclaim a selling
concession from a dealer when the securities originally sold by the dealer are purchased in a stabilizing or covering transaction to
cover short positions. Those activities may cause the price of the securities to be higher than it would otherwise be. If commenced,
the underwriters may discontinue any of the activities at any time.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">To
comply with the securities laws of certain states, if applicable, the securities offered by this prospectus will be offered and sold
in those states only through registered or licensed brokers or dealers.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">In
compliance with guidelines of the Financial Industry Regulatory Authority, or FINRA, the maximum consideration or discount to be received
by any FINRA member or independent broker dealer may not exceed 8% of the aggregate amount of the securities offered pursuant to this
prospectus and any applicable prospectus supplement.</FONT></P>

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

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

<!-- Field: Page; Sequence: 21; Value: 1 -->
    <DIV STYLE="margin-top: 12pt; margin-bottom: 6pt; border-bottom: Black 1.5pt solid"><P STYLE="font: normal 10pt Times New Roman, Times, Serif; text-align: center; margin-top: 0pt; margin-bottom: 0pt"><!-- Field: Sequence; Type: Arabic; Name: PageNo -->16<!-- Field: /Sequence --></P></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; background-color: white"><A NAME="m_012"></A><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>LEGAL
MATTERS</B></FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Lucosky
Brookman LLP will pass upon the validity of the issuance of the securities to be offered by this prospectus.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; background-color: white"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B><A NAME="m_013"></A>EXPERTS</B></FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">The
consolidated financial statements of Modular Medical, Inc. as of and for the years ended March 31, 2024 and 2023 incorporated by reference
in this Prospectus and in this Registration Statement to the Annual Report on Form 10-K for the year ended March 31, 2024, have been
so incorporated in reliance on the report of Farber Hass Hurley LLP, an independent registered public accounting firm, as indicated in
their report with respect thereto, and are included herein in reliance upon the authority of said firm as experts in auditing and accounting
in giving said report.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; background-color: white"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><A NAME="m_014"></A><B>INCORPORATION
OF CERTAIN INFORMATION BY REFERENCE</B></FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">The
SEC allows us to &ldquo;incorporate&rdquo; into this prospectus information that we file with the SEC in other documents. This means
that we can disclose important information to you by referring to other documents that contain that information. Any information that
we incorporate by reference into this prospectus is considered part of this prospectus.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Information
contained in this prospectus and information that we file with the SEC in the future and incorporate by reference in this prospectus
automatically modifies and supersedes previously filed information, including information in previously filed documents or reports that
have been incorporated by reference in this prospectus, to the extent the new information differs from or is inconsistent with the old
information. Any statement so modified will be deemed to constitute a part of this prospectus only as so modified, and any statement
so superseded will be deemed not to constitute a part of this prospectus. For more information, see &ldquo;About this Prospectus.&rdquo;</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">We
incorporate by reference, as of their respective dates of filing, the documents listed below that we have filed with the SEC and any
additional documents that we may file in the future with the SEC pursuant to Sections 13(a), 13(c), 14 or 15(d) of the Exchange Act,
including any documents filed after the date on which the registration statement of which this prospectus is a part is initially filed
until the offering of the security covered by this prospectus has been completed, other than, in each case, documents or information
deemed to have been &ldquo;furnished&rdquo; and not &ldquo;filed&rdquo; in accordance with SEC rules:</FONT></P>

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0.25pt 0.5pt; width: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#9679;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0.25pt 0.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">our
    Annual Report on <A HREF="https://www.sec.gov/Archives/edgar/data/1074871/000121390024054877/ea0207206-10k_modular.htm">Form 10-K</A> for the fiscal year ended March 31, 2024 filed with the SEC on June 21, 2024; </FONT></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0.25pt 0.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0.25pt 0.5pt; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0.25pt 0.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#9679;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; padding: 0.25pt 0.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">the
    portions of our Definitive Proxy Statement on <A HREF="https://www.sec.gov/Archives/edgar/data/1074871/000121390025006614/ea0228195-01.htm">Schedule 14A</A> for our 2025 Annual Meeting of Stockholders, filed with the SEC on January
    24, 2025, specifically incorporated by reference into our Annual Report on <A HREF="http://www.sec.gov/Archives/edgar/data/1074871/000121390024054877/ea0207206-10k_modular.htm">Form 10-K</A> for the year ended March 31, 2024;</FONT></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0.25pt 0.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0.25pt 0.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0.25pt 0.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#9679;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0.25pt 0.5pt; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">our
    Quarterly Reports on Form 10-Q for the quarters ended June 30, 2024, September 30, 2024 and December 31, 2024, filed with the SEC
    on <A HREF="https://www.sec.gov/Archives/edgar/data/1074871/000121390024068407/ea0210785-10q_modular.htm">August 13, 2024</A>, <A HREF="https://www.sec.gov/Archives/edgar/data/1074871/000121390024098418/ea0220455-10q_modular.htm">November 14, 2024</A>, as amended on <A HREF="https://www.sec.gov/Archives/edgar/data/1074871/000121390024103547/ea0222929-10qa1_modular.htm">November 27, 2024</A>, and <A HREF="https://www.sec.gov/Archives/edgar/data/1074871/000121390025013462/ea0230149-10q_modular.htm">February 13, 2025</A>, respectively;</FONT></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0.25pt 0.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0.25pt 0.5pt; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0.25pt 0.5pt; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#9679;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0.25pt 0.5pt; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">our
    Current Reports on Form 8-K filed <A HREF="https://www.sec.gov/Archives/edgar/data/1074871/000121390024031921/ea0203660-8k_modular.htm">April 10, 2024</A>, <A HREF="https://www.sec.gov/Archives/edgar/data/1074871/000121390024072999/ea0212472-8k_modular.htm">August 27, 2024</A>, <A HREF="https://www.sec.gov/Archives/edgar/data/1074871/000121390024075772/ea0213557-8k_modular.htm">September 5, 2024</A>, <A HREF="https://www.sec.gov/Archives/edgar/data/1074871/000121390024102121/ea0222418-8k_modular.htm">November 25, 2024</A>, <A HREF="https://www.sec.gov/Archives/edgar/data/1074871/000121390025019397/ea0232745-8k_modular.htm">March 3, 2025</A> and <A HREF="https://www.sec.gov/Archives/edgar/data/1074871/000101376225002793/ea0235502-8k_modular.htm">March 26, 2025</A>; and</FONT></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0.25pt 0.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0.25pt 0.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0.25pt 0.5pt; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#9679;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0.25pt 0.5pt; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">All
    reports and other documents we subsequently file pursuant to Section 13(a), 13(c), 14 or 15(d) of the Exchange Act prior to the termination
    of this offering, including all such documents we may file with the SEC after the date of the initial registration statement and
    prior to the effectiveness of the registration statement, but excluding any information furnished to, rather than filed with, the
    SEC, will also be incorporated by reference into this prospectus and deemed to be part of this prospectus from the date of the filing
    of such reports and documents.</FONT></TD></TR>
  </TABLE>

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

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

<!-- Field: Page; Sequence: 22; Value: 1 -->
    <DIV STYLE="margin-top: 12pt; margin-bottom: 6pt; border-bottom: Black 1.5pt solid"><P STYLE="font: normal 10pt Times New Roman, Times, Serif; text-align: center; margin-top: 0pt; margin-bottom: 0pt"><!-- Field: Sequence; Type: Arabic; Name: PageNo -->17<!-- Field: /Sequence --></P></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">We
hereby undertake to provide without charge to each person, including any beneficial owner, to whom this prospectus is delivered, upon
written or oral request, a copy of any or all documents that are incorporated by reference into this prospectus, but not delivered with
the prospectus, other than exhibits to such documents unless such exhibits are specifically incorporated by reference into this prospectus.
These documents are also available free of charge through the investors section on our website at www.modular-medical.com as soon as
practicable after such materials have been electronically filed with, or furnished to, the SEC. You may request a copy of these filings,
at no cost, by writing or telephoning us at the following:</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Modular
Medical, Inc.,</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">10740
Thornmint Road</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">San
Diego, California 92127</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Attention:
Corporate Secretary</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(858)
800-3500</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">You
should rely only on the information contained in this prospectus, in any accompanying prospectus supplement, or in any document incorporated
by reference herein or therein. We have not authorized anyone to provide you with any different information. We take no responsibility
for, and can provide no assurance as to the reliability of, any other information that others may provide to you. The information contained
in this prospectus, in any applicable prospectus supplement, and in the documents incorporated by reference herein or therein is accurate
only as of the date such information is presented. Our business, financial condition, results of operations and future prospects may
have changed since those respective dates.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><A NAME="m_015"></A><B>WHERE
YOU CAN FIND MORE INFORMATION</B></FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">We
file annual, quarterly and current reports and other information with the SEC. Our filings with the SEC are available from the SEC&rsquo;s
website at www.sec.gov, which contains reports, proxy and information statements, and other information regarding issuers that file electronically.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">This
prospectus supplement and the accompanying prospectus are part of a registration statement that we filed with the SEC. As permitted by
SEC rules, this prospectus supplement and the accompanying prospectus form a part of the registration statement, but do not contain all
of the information that is included in the registration statement. The registration statement contains more information regarding us
and our securities, including certain exhibits. You can obtain a copy of the registration statement from the SEC&rsquo;s website.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in; background-color: white"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in; background-color: white"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"></FONT></P>

<!-- Field: Page; Sequence: 23; Value: 1 -->
    <DIV STYLE="margin-top: 12pt; margin-bottom: 6pt; border-bottom: Black 1.5pt solid"><P STYLE="font: normal 10pt Times New Roman, Times, Serif; text-align: center; margin-top: 0pt; margin-bottom: 0pt"><!-- Field: Sequence; Type: Arabic; Name: PageNo -->18<!-- Field: /Sequence --></P></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: justify; background-color: white"><FONT STYLE="color: Red"><B>THE
INFORMATION IN THIS PROSPECTUS IS NOT COMPLETE AND MAY BE CHANGED. WE MAY NOT SELL THESE SECURITIES UNTIL THE REGISTRATION STATEMENT
FILED WITH THE SECURITIES AND EXCHANGE COMMISSION IS EFFECTIVE. THIS PROSPECTUS IS NOT AN OFFER TO SELL THESE SECURITIES AND IS NOT SOLICITING
AN OFFER TO BUY THESE SECURITIES IN ANY STATE WHERE THE OFFER OR SALE IS NOT PERMITTED.</B></FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center; background-color: white"><FONT STYLE="color: Red"><B>SUBJECT
TO COMPLETION</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center; background-color: white"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; color: Red"><B>&nbsp;</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center; background-color: white"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; color: Red"><B>DATED
MAY 15, 2025</B></FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; background-color: white"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>PROSPECTUS
SUPPLEMENT</B></FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; background-color: white"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>(To
Prospectus dated _______, 2025)</B></FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; background-color: white"><B>Up to $7,200,000</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; background-color: white"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><IMG SRC="image_003.jpg" ALT=""></FONT></P>

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

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

<!-- Field: Rule-Page --><DIV STYLE="margin: 0pt auto; width: 25%"><DIV STYLE="font-size: 1pt; border-top: Black 1.5pt solid">&nbsp;</DIV></DIV><!-- Field: /Rule-Page -->

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in; background-color: white">We have entered into a sales agreement with Leerink Partners LLC (&ldquo;Leerink
Partners&rdquo;) relating to shares of our common stock, par value $0.001 per share, offered by this prospectus supplement. In accordance
with the terms of the sales agreement, we may offer and sell shares of our common stock having an aggregate offering price of up to $7,200,000
from time to time through or to Leerink Partners, acting as agent or principal. As of May 12, 2025, we have offered and sold $2,510,560
of our common stock pursuant to the Sales Agreement.</P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; background-color: white">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in; background-color: white">Our common stock is listed on The Nasdaq Capital Market, or Nasdaq,&nbsp;under
the symbol &ldquo;MODD.&rdquo; On May 12, 2025, the last reported sale price of our common stock on Nasdaq was $1.02 per share.</P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; background-color: white"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in; text-align: justify; background-color: white"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Sales
of our common stock, if any, under this prospectus supplement will be made in sales deemed to be &ldquo;at the market offerings&rdquo;
as defined in Rule&nbsp;415 promulgated under the Securities Act of 1933, as amended (the &ldquo;Securities Act&rdquo;). Leerink Partners
is not required to sell any specific amount of securities, but will act as our sales agent using commercially reasonable efforts consistent
with its normal trading and sales practices, on mutually agreed terms between Leerink Partners and us. There is no arrangement for funds
to be received in any escrow, trust or similar arrangement.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in; text-align: justify; background-color: white"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">The
compensation to Leerink Partners for sales of common stock sold pursuant to the sales agreement will be an amount equal to 3.0% of the
gross proceeds of any shares of common stock sold under the sales agreement. In connection with the sale of the common stock on our behalf,
Leerink Partners will be deemed to be an &ldquo;underwriter&rdquo; within the meaning of the Securities Act and the compensation of Leerink
Partners will be deemed to be underwriting commissions or discounts. See &ldquo;Plan of Distribution&rdquo; beginning on page&nbsp;S-7
&nbsp;for additional information regarding the compensation to be paid to Leerink Partners. We have also agreed to provide indemnification
and contribution to Leerink Partners with respect to certain liabilities, including liabilities under the Securities Act or the Securities
Exchange Act of 1934, as amended (the &ldquo;Exchange Act&rdquo;).</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in; background-color: white">
On May 12, 2025, the last reported sale price of our common stock on
the Nasdaq Capital Market was $1.02 per share. As of the date of this prospectus supplement, the aggregate market value of our public
float, calculated according to General Instructions I.B.6. of Form S-3, is $53,630,454, based on 54,247,388 shares of common stock outstanding
as of May 12, 2025, of which 46,635,178 shares of our common stock are held by non-affiliates, and a price of $1.15 per share, the price
at which our common stock was last sold on the Nasdaq Capital Market on March 26, 2025. As of the date of this prospectus supplement,
we have sold $10,408,469 of our securities pursuant to General Instruction I.B.6. of Form S-3 during the prior 12 calendar month period
that ends on, and includes, the date of this prospectus supplement. Pursuant to General Instruction I.B.6 of Form S-3, in no event will
we sell our common stock in a public primary offering with a value exceeding more than one-third of our public float in any 12-month period
so long as our public float remains below $75,000,000.</P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; background-color: white">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in; text-align: justify; background-color: white"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">We
are a &ldquo;smaller reporting company&rdquo; under federal securities laws and as such, have elected to comply with reduced public company
reporting requirements for this prospectus supplement and the documents incorporated by reference herein and may elect to comply with
reduced public company reporting requirements in future filings. See &ldquo;Summary&mdash;Implications of Being a Smaller Reporting Company.&rdquo;</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in; text-align: justify; background-color: white"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Our
business and an investment in our common stock involve significant risks. These risks are described under the caption &ldquo;Risk Factors&rdquo;
beginning on page&nbsp;S-3 of this prospectus supplement and in the documents incorporated by reference into this prospectus supplement
and the accompanying prospectus.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in; text-align: justify; background-color: white"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Neither
the Securities and Exchange Commission nor any state securities commission has approved or disapproved of these securities or passed
upon the adequacy or accuracy of this prospectus supplement. Any representation to the contrary is a criminal offense.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center; background-color: white"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 16pt"><B>Leerink
Partners</B></FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; background-color: white"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">The
date of this prospectus supplement is &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;,
2025</FONT></P>

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

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

<!-- Field: Page; Sequence: 24 -->
    <DIV STYLE="margin-top: 12pt; margin-bottom: 6pt; border-bottom: Black 1.5pt solid"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

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

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

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

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

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%">
  <TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="padding: 0pt; vertical-align: bottom; width: 91%; text-indent: 0pt"><A HREF="#n_001"><B>ABOUT THIS PROSPECTUS</B> <B>SUPPLEMENT </B></A></TD>
    <TD STYLE="padding: 0pt; vertical-align: bottom; width: 1%; text-indent: 0pt">&nbsp;</TD>
    <TD STYLE="padding: 0pt; text-align: center; white-space: nowrap; vertical-align: top; width: 8%"><B>S-ii</B></TD></TR>
  <TR STYLE="background-color: White">
    <TD STYLE="padding: 0pt; vertical-align: bottom; text-indent: 0pt">&nbsp;</TD>
    <TD STYLE="padding: 0pt; vertical-align: bottom; text-indent: 0pt">&nbsp;</TD>
    <TD STYLE="padding: 0pt; text-align: center; white-space: nowrap; vertical-align: top"><B>&nbsp;</B></TD></TR>
  <TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="padding: 0pt; vertical-align: bottom; text-indent: 0pt"><B><A HREF="#n_002">PROSPECTUS SUPPLEMENT SUMMARY</A></B></TD>
    <TD STYLE="padding: 0pt; vertical-align: bottom; text-indent: 0pt">&nbsp;</TD>
    <TD STYLE="padding: 0pt; text-align: center; white-space: nowrap; vertical-align: top"><B>S-1</B></TD></TR>
  <TR STYLE="background-color: White">
    <TD STYLE="padding: 0pt; vertical-align: bottom; text-indent: 0pt">&nbsp;</TD>
    <TD STYLE="padding: 0pt; vertical-align: bottom; text-indent: 0pt">&nbsp;</TD>
    <TD STYLE="padding: 0pt; text-align: center; white-space: nowrap; vertical-align: top"><B>&nbsp;</B></TD></TR>
  <TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="padding: 0pt; vertical-align: bottom; text-indent: 0pt"><B><A HREF="#n_003">THE OFFERING</A></B></TD>
    <TD STYLE="padding: 0pt; vertical-align: bottom; text-indent: 0pt">&nbsp;</TD>
    <TD STYLE="padding: 0pt; text-align: center; white-space: nowrap; vertical-align: top"><B>S-2</B></TD></TR>
  <TR STYLE="background-color: White">
    <TD STYLE="padding: 0pt; vertical-align: bottom; text-indent: 0pt">&nbsp;</TD>
    <TD STYLE="padding: 0pt; vertical-align: bottom; text-indent: 0pt">&nbsp;</TD>
    <TD STYLE="padding: 0pt; text-align: center; white-space: nowrap; vertical-align: top"><B>&nbsp;</B></TD></TR>
  <TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="padding: 0pt; vertical-align: bottom; text-indent: 0pt"><B><A HREF="#n_004">RISK FACTORS</A></B></TD>
    <TD STYLE="padding: 0pt; vertical-align: bottom; text-indent: 0pt">&nbsp;</TD>
    <TD STYLE="padding: 0pt; text-align: center; white-space: nowrap; vertical-align: top"><B>S-3</B></TD></TR>
  <TR STYLE="background-color: White">
    <TD STYLE="padding: 0pt; vertical-align: bottom; text-indent: 0pt">&nbsp;</TD>
    <TD STYLE="padding: 0pt; vertical-align: bottom; text-indent: 0pt">&nbsp;</TD>
    <TD STYLE="padding: 0pt; text-align: center; white-space: nowrap; vertical-align: top"><B>&nbsp;</B></TD></TR>
  <TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="padding: 0pt; vertical-align: bottom; text-indent: 0pt"><B><A HREF="#n_005">SPECIAL NOTE REGARDING FORWARD-LOOKING STATEMENTS</A></B></TD>
    <TD STYLE="padding: 0pt; vertical-align: bottom; text-indent: 0pt">&nbsp;</TD>
    <TD STYLE="padding: 0pt; text-align: center; white-space: nowrap; vertical-align: top"><B>S-4</B></TD></TR>
  <TR STYLE="background-color: White">
    <TD STYLE="padding: 0pt; vertical-align: bottom; text-indent: 0pt">&nbsp;</TD>
    <TD STYLE="padding: 0pt; vertical-align: bottom; text-indent: 0pt">&nbsp;</TD>
    <TD STYLE="padding: 0pt; text-align: center; white-space: nowrap; vertical-align: top"><B>&nbsp;</B></TD></TR>
  <TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="padding: 0pt; vertical-align: bottom; text-indent: 0pt"><B><A HREF="#n_006">USE OF PROCEEDS</A></B></TD>
    <TD STYLE="padding: 0pt; vertical-align: bottom; text-indent: 0pt">&nbsp;</TD>
    <TD STYLE="padding: 0pt; text-align: center; white-space: nowrap; vertical-align: top"><B>S-5</B></TD></TR>
  <TR STYLE="background-color: White">
    <TD STYLE="padding: 0pt; vertical-align: bottom; text-indent: 0pt">&nbsp;</TD>
    <TD STYLE="padding: 0pt; vertical-align: bottom; text-indent: 0pt">&nbsp;</TD>
    <TD STYLE="padding: 0pt; text-align: center; white-space: nowrap; vertical-align: top"><B>&nbsp;</B></TD></TR>
  <TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="padding: 0pt; vertical-align: bottom; text-indent: 0pt"><B><A HREF="#n_007">DILUTION</A></B></TD>
    <TD STYLE="padding: 0pt; vertical-align: bottom; text-indent: 0pt">&nbsp;</TD>
    <TD STYLE="padding: 0pt; text-align: center; white-space: nowrap; vertical-align: top"><B>S-6</B></TD></TR>
  <TR STYLE="background-color: White">
    <TD STYLE="padding: 0pt; vertical-align: bottom; text-indent: 0pt">&nbsp;</TD>
    <TD STYLE="padding: 0pt; vertical-align: bottom; text-indent: 0pt">&nbsp;</TD>
    <TD STYLE="padding: 0pt; text-align: center; white-space: nowrap; vertical-align: top"><B>&nbsp;</B></TD></TR>
  <TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="padding: 0pt; vertical-align: bottom; text-indent: 0pt"><B><A HREF="#n_008">PLAN OF DISTRIBUTION</A></B></TD>
    <TD STYLE="padding: 0pt; vertical-align: bottom; text-indent: 0pt">&nbsp;</TD>
    <TD STYLE="padding: 0pt; text-align: center; white-space: nowrap; vertical-align: top"><B>S-7</B></TD></TR>
  <TR STYLE="background-color: White">
    <TD STYLE="padding: 0pt; vertical-align: bottom; text-indent: 0pt">&nbsp;</TD>
    <TD STYLE="padding: 0pt; vertical-align: bottom; text-indent: 0pt">&nbsp;</TD>
    <TD STYLE="padding: 0pt; text-align: center; white-space: nowrap; vertical-align: top"><B>&nbsp;</B></TD></TR>
  <TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="padding: 0pt; vertical-align: bottom; text-indent: 0pt"><B><A HREF="#n_009">LEGAL MATTERS</A></B></TD>
    <TD STYLE="padding: 0pt; vertical-align: bottom; text-indent: 0pt">&nbsp;</TD>
    <TD STYLE="padding: 0pt; text-align: center; white-space: nowrap; vertical-align: top"><B>S-8</B></TD></TR>
  <TR STYLE="background-color: White">
    <TD STYLE="padding: 0pt; vertical-align: bottom; text-indent: 0pt">&nbsp;</TD>
    <TD STYLE="padding: 0pt; vertical-align: bottom; text-indent: 0pt">&nbsp;</TD>
    <TD STYLE="padding: 0pt; text-align: center; white-space: nowrap; vertical-align: top"><B>&nbsp;</B></TD></TR>
  <TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="padding: 0pt; vertical-align: bottom; text-indent: 0pt"><B><A HREF="#n_010">EXPERTS</A></B></TD>
    <TD STYLE="padding: 0pt; vertical-align: bottom; text-indent: 0pt">&nbsp;</TD>
    <TD STYLE="padding: 0pt; text-align: center; white-space: nowrap; vertical-align: top"><B>S-8</B></TD></TR>
  <TR STYLE="background-color: White">
    <TD STYLE="padding: 0pt; vertical-align: bottom; text-indent: 0pt">&nbsp;</TD>
    <TD STYLE="padding: 0pt; vertical-align: bottom; text-indent: 0pt">&nbsp;</TD>
    <TD STYLE="padding: 0pt; text-align: center; white-space: nowrap; vertical-align: top"><B>&nbsp;</B></TD></TR>
  <TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="padding: 0pt; vertical-align: bottom; text-indent: 0pt"><B><A HREF="#n_011">WHERE YOU CAN FIND MORE INFORMATION</A></B></TD>
    <TD STYLE="padding: 0pt; vertical-align: bottom; text-indent: 0pt">&nbsp;</TD>
    <TD STYLE="padding: 0pt; text-align: center; white-space: nowrap; vertical-align: top"><B>S-8</B></TD></TR>
  <TR STYLE="background-color: White">
    <TD STYLE="padding: 0pt; vertical-align: bottom; text-indent: 0pt">&nbsp;</TD>
    <TD STYLE="padding: 0pt; vertical-align: bottom; text-indent: 0pt">&nbsp;</TD>
    <TD STYLE="padding: 0pt; text-align: center; white-space: nowrap; vertical-align: top"><B>&nbsp;</B></TD></TR>
  <TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="padding: 0pt; vertical-align: bottom; text-indent: 0pt"><B><A HREF="#n_012">INCORPORATION OF CERTAIN DOCUMENTS BY REFERENCE</A></B></TD>
    <TD STYLE="padding: 0pt; vertical-align: bottom; text-indent: 0pt">&nbsp;</TD>
    <TD STYLE="padding: 0pt; text-align: center; white-space: nowrap; vertical-align: top"><B>S-9</B></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; background-color: white"><B>&nbsp;</B></P>

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

<!-- Field: Page; Sequence: 25; Options: NewSection; Value: 1 -->
    <DIV STYLE="margin-top: 12pt; margin-bottom: 6pt; border-bottom: Black 1.5pt solid"><P STYLE="font: normal 10pt Times New Roman, Times, Serif; text-align: center; margin-top: 0pt; margin-bottom: 0pt">S-<!-- Field: Sequence; Type: LowerRoman; Name: PageNo -->i<!-- Field: /Sequence --></P></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; background-color: white"><A NAME="n_001"></A><B>ABOUT THIS PROSPECTUS
SUPPLEMENET</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; background-color: white">This document is part
of the registration statement that we filed with the Securities and Exchange Commission, or the SEC, using a &ldquo;shelf&rdquo; registration
process and consists of two parts. The first part is this prospectus supplement, which describes the specific terms of this offering.
The second part, the accompanying prospectus, gives more general information, some of which may not apply to this offering. Generally,
when we refer only to the &ldquo;prospectus,&rdquo; we are referring to both parts combined. This prospectus supplement may add to, update
or change information in the accompanying prospectus and the documents incorporated by reference into this prospectus supplement or the
accompanying prospectus. By using a shelf registration statement, we may offer shares of our common stock having an aggregate offering
price of up to $7,200,000 from time to time under this prospectus supplement at prices and on terms to be determined by market conditions
at the time of offering.&nbsp;</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-indent: 0.5in; margin: 0pt 0; text-align: justify; background-color: white">If information in this
prospectus supplement is inconsistent with the accompanying prospectus or with any document incorporated by reference that was filed with
the SEC before the date of this prospectus supplement, you should rely on this prospectus supplement. This prospectus supplement, the
accompanying prospectus and the documents incorporated into each by reference include important information about us, the securities being
offered and other information you should know before investing in our securities. You should also read and consider information in the
documents we have referred you to in the sections of this prospectus supplement entitled &ldquo;Where You Can Find More Information&rdquo;
and &ldquo;Incorporation by Reference.&rdquo;</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-indent: 0.5in; margin: 0pt 0; text-align: justify; background-color: white">You should rely only
on this prospectus supplement, the accompanying prospectus, the documents incorporated or deemed to be incorporated by reference herein
or therein and any free writing prospectus prepared by us or on our behalf. We have not, and the underwriters have not, authorized anyone
to provide you with information that is in addition to or different from that contained or incorporated by reference in this prospectus
supplement and the accompanying prospectus. If anyone provides you with different or inconsistent information, you should not rely on
it. We and the underwriters are not offering to sell these securities in any jurisdiction where the offer or sale is not permitted. You
should not assume that the information contained in this prospectus supplement, the accompanying prospectus or any free writing prospectus,
or incorporated by reference herein, is accurate as of any date other than as of the date of this prospectus supplement or the accompanying
prospectus or any free writing prospectus, as the case may be, or in the case of the documents incorporated by reference, the date of
such documents regardless of the time of delivery of this prospectus supplement and the accompanying prospectus or any sale of our securities.
Our business, financial condition, liquidity, results of operations and prospects may have changed since those dates.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-indent: 0.5in; margin: 0pt 0; text-align: justify; background-color: white">We further note that
the representations, warranties and covenants made by us in any agreement that is filed as an exhibit to any document that is incorporated
by reference in this prospectus supplement or the accompanying prospectus were made solely for the benefit of the parties to such agreement,
including, in some cases, for the purpose of allocating risk among the parties to such agreements, and should not be deemed to be a representation,
warranty or covenant to you. Moreover, such representations, warranties or covenants were accurate only as of the date when made. Accordingly,
such representations, warranties and covenants should not be relied on as accurately representing the current state of our affairs.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-indent: 0.5in; margin: 0pt 0; text-align: justify; background-color: white">No action is being taken
in any jurisdiction outside the United States to permit a public offering of the securities or possession or distribution of this prospectus
supplement or the accompanying prospectus in that jurisdiction. Persons who come into possession of this prospectus supplement or the
accompanying prospectus in jurisdictions outside the United States are required to inform themselves about and to observe any restrictions
as to this offering and the distribution of this prospectus supplement or the accompanying prospectus applicable to that jurisdiction.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-indent: 0.5in; margin: 0pt 0; text-align: justify; background-color: white">In this prospectus, the
terms &ldquo;MODD,&rdquo; &ldquo;Modular Medical,&rdquo; &ldquo;Company,&rdquo; &ldquo;we,&rdquo; &ldquo;us,&rdquo; &ldquo;our&rdquo;
and similar terms refer to Modular Medical, Inc., a Nevada corporation, and its subsidiaries unless the context otherwise requires.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-indent: 0.5in; margin: 0pt 0; text-align: justify; background-color: white">This prospectus and the
information incorporated herein by reference include trademarks, service marks and trade names owned by us or other companies. All trademarks,
service marks and trade names included or incorporated by reference in this prospectus are the property of their respective owners.&nbsp;&nbsp;</P>

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


<!-- Field: Page; Sequence: 26; Value: 1 -->
    <DIV STYLE="margin-top: 12pt; margin-bottom: 6pt; border-bottom: Black 1.5pt solid"><P STYLE="font: normal 10pt Times New Roman, Times, Serif; text-align: center; margin-top: 0pt; margin-bottom: 0pt">S-<!-- Field: Sequence; Type: LowerRoman; Name: PageNo -->ii<!-- Field: /Sequence --></P></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<DIV STYLE="padding: 3pt; border: Black 1.5pt solid">

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; background-color: white"><A NAME="n_002"></A><B>PROSPECTUS SUPPLEMENT
SUMMARY</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in; text-align: justify"><I>This summary highlights
certain information about us, this offering and selected information contained elsewhere in or incorporated by reference into this prospectus.
This summary is not complete and does not contain all of the information that you should consider before deciding whether to invest in
the securities covered by this prospectus. For a more complete understanding of MODD and this offering, we encourage you to read and consider
carefully the more detailed information in this prospectus, including the information incorporated by reference in this prospectus and
the information included in any free writing prospectus that we have authorized for use in connection with this offering, including the
information referred to under the heading &ldquo;Risk Factors&rdquo; in this prospectus beginning on&nbsp;page S-6.</I></P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-indent: 0.5in; margin: 0pt 0; text-align: justify; background-color: white">We are a pre-revenue
medical device company focused on the design, development and commercialization of innovative insulin pumps using modernized technology
to increase pump adoption in the diabetes marketplace. Through the creation of a novel two-part patch pump, our initial product, the MODD1,
we seek to fundamentally alter the trade-offs between cost and complexity and access to the higher standards of care that presently-available
insulin pumps provide. By simplifying and streamlining the user experience from introduction, prescription, reimbursement, training and
day-to-day use, we seek to expand the wearable insulin delivery device market beyond the highly motivated &ldquo;super users&rdquo; and
expand the category into the mass market. The product seeks to serve both the type 1 and the rapidly growing, especially in terms of device
adoption, type 2 diabetes markets. In January 2024, we submitted a 510(k) premarket notification to the United States Food and Drug Administration
(the &ldquo;FDA&rdquo;) for our MODD1 insulin pump, and, in September 2024, we received FDA clearance to market and sell our MODD1 pump
in the United States. We are actively working to commercialize our MODD1 product and commence initial shipments during the quarter ending
September 30, 2025, obtain regulatory clearance to market and sell our MODD1 product in foreign jurisdictions, improve the manufacturability
and usability of our MODD1 product and develop new pump products.&nbsp;</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; background-color: white"><B>Implications of Being
a Smaller Reporting Company</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-indent: 0.5in; margin: 0pt 0; text-align: justify; background-color: white">We are a &ldquo;smaller
reporting company&rdquo; as defined in the Exchange Act. We may take advantage of certain of the scaled disclosures available to smaller
reporting companies and will be able to take advantage of these scaled disclosures for so long as our voting and non-voting common stock
held by non-affiliates is less than $250 million measured on the last business day of our second fiscal quarter, or our annual revenue
is less than $100 million during the most recently completed fiscal year and our voting and non-voting common stock held by non-affiliates
is less than $700 million measured on the last business day of our second fiscal quarter.</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-indent: 0.5in; margin: 0pt 0; text-align: justify; background-color: white">We are a Nevada corporation,
and Quasuras, Inc., a Delaware corporation, is our only subsidiary. Our corporate headquarters and operating facilities are located at
10740 Thornmint Road, San Diego, CA 92127. Our telephone number is (858) 800-3500. We maintain a website at www.modular-medical.com. The
information contained on or that can be accessed through our website is not incorporated by reference into this prospectus and you should
not consider information on our website to be part of this prospectus or in deciding whether to purchase our securities.</P>

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

</DIV>

<!-- Field: Page; Sequence: 27; Options: NewSection; Value: 1 -->
    <DIV STYLE="margin-top: 12pt; margin-bottom: 6pt; border-bottom: Black 1.5pt solid"><P STYLE="font: normal 10pt Times New Roman, Times, Serif; text-align: center; margin-top: 0pt; margin-bottom: 0pt">S-<!-- Field: Sequence; Type: Arabic; Name: PageNo -->1<!-- Field: /Sequence --></P></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<DIV STYLE="padding: 3pt; border: Black 1.5pt solid">

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; background-color: white"><A NAME="n_003"></A><B>The Offering</B></P>

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%">
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 0pt; width: 27%; text-indent: 0pt">Common stock offered by us</TD>
    <TD STYLE="padding: 0pt; width: 1%; text-indent: 0pt">&nbsp;</TD>
    <TD STYLE="padding: 0pt; width: 72%; text-align: justify; text-indent: 0pt">Shares having an aggregate offering price of up to $7,200,000.</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 0pt; text-indent: 0pt">&nbsp;</TD>
    <TD STYLE="padding: 0pt; text-indent: 0pt">&nbsp;</TD>
    <TD STYLE="padding: 0pt; text-indent: 0pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 0pt 0pt 0pt 0.125in; text-indent: -0.125in; text-align: left">Common stock to be outstanding after this offering</TD>
    <TD STYLE="padding: 0pt; text-indent: 0pt">&nbsp;</TD>
    <TD STYLE="padding: 0pt; text-align: justify; text-indent: 0pt">Up to 61,237,679 shares, assuming the sale of $7,200,000 of shares at a sales price
of $1.02 per share, which was the last reported sale price on Nasdaq on May 12, 2025. The actual number of shares issued and outstanding
will vary depending on the sales price under this offering.</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 0pt; text-indent: 0pt">&nbsp;</TD>
    <TD STYLE="padding: 0pt; text-indent: 0pt">&nbsp;</TD>
    <TD STYLE="padding: 0pt; text-indent: 0pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 0pt; text-indent: 0pt">Manner of offering</TD>
    <TD STYLE="padding: 0pt; text-indent: 0pt">&nbsp;</TD>
    <TD STYLE="padding: 0pt; text-align: justify; text-indent: 0pt">Sales of our common stock by Leerink Partners, if any, under this prospectus may be made by any method permitted by law and deemed to be an &ldquo;at the market offering&rdquo; as defined in Rule&nbsp;415(a)(4)&nbsp;promulgated under the&nbsp;Securities Act, from time to time through or to Leerink Partners, as sales agent or principal. See &ldquo;Plan of Distribution&rdquo; on&nbsp;page&nbsp;S-7&nbsp;of this prospectus.</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 0pt; text-indent: 0pt">&nbsp;</TD>
    <TD STYLE="padding: 0pt; text-indent: 0pt">&nbsp;</TD>
    <TD STYLE="padding: 0pt; text-indent: 0pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 0pt; text-indent: 0pt">Use of proceeds</TD>
    <TD STYLE="padding: 0pt; text-indent: 0pt">&nbsp;</TD>
    <TD STYLE="padding: 0pt; text-align: justify; text-indent: 0pt">Our management will retain broad discretion regarding the allocation and use of the net proceeds from this offering. We currently intend to use the net proceeds from this offering, if any, for working capital and general corporate purposes, including capital expenditures. See &ldquo;Use of Proceeds&rdquo; on&nbsp;page&nbsp;S-5 of this prospectus.</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 0pt; text-indent: 0pt">&nbsp;</TD>
    <TD STYLE="padding: 0pt; text-indent: 0pt">&nbsp;</TD>
    <TD STYLE="padding: 0pt; text-indent: 0pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 0pt; text-indent: 0pt">Nasdaq Capital Market symbol</TD>
    <TD STYLE="padding: 0pt; text-indent: 0pt">&nbsp;</TD>
    <TD STYLE="padding: 0pt; text-indent: 0pt">&ldquo;MODD&rdquo;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 0pt; text-indent: 0pt">&nbsp;</TD>
    <TD STYLE="padding: 0pt; text-indent: 0pt">&nbsp;</TD>
    <TD STYLE="padding: 0pt; text-indent: 0pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 0pt; text-indent: 0pt">Risk factors</TD>
    <TD STYLE="padding: 0pt; text-indent: 0pt">&nbsp;</TD>
    <TD STYLE="padding: 0pt; text-align: justify; text-indent: 0pt">Investing in our securities involves a high degree of risk. See &ldquo;Risk Factors&rdquo; beginning on&nbsp;page&nbsp;S-3 of this prospectus and the other information included in, or incorporated by reference into, this prospectus for a discussion of certain factors that you should carefully consider before deciding to invest in shares of our common stock.</TD></TR>
  </TABLE>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in; background-color: white">The
number of shares of common stock shown above to be outstanding immediately following this offering is based on 54,247,388 shares outstanding
as of May 12, 2025 and excludes:</P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; background-color: white">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; width: 100%"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#9679;</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">5,397,871
shares of common stock reserved for issuance under our Amended and Restated 2017 Equity Incentive Plan;</FONT></TD>
</TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; width: 100%"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#9679;</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">4,917,090
shares of common stock issuable upon the exercise of options outstanding, with a weighted average exercise price of $3.17 per share;</FONT></TD>
</TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; width: 100%"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#9679;</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">104,168
shares of common stock issuable upon vesting of restricted stock units;</FONT></TD>
</TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; width: 100%"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#9679;</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">767,796
shares of common stock issuable upon exercise of warrants outstanding at $6.00 per share;</FONT></TD>
</TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; width: 100%"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#9679;</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">5,449,478
shares of common stock issuable upon exercise of warrants outstanding at $6.60 per share;</FONT></TD>
</TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; width: 100%"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#9679;</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">484,006
shares of common stock issuable upon exercise of warrants outstanding at $1.325 per share;</FONT></TD>
</TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; width: 100%"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#9679;</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">3,564,183
shares of common stock issuable upon exercise of warrants outstanding at $1.22 per share;</FONT></TD>
</TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; width: 100%"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#9679;</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">381,540
shares of common stock issuable upon exercise of warrants outstanding at $1.875 per share;</FONT></TD>
</TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; width: 100%"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#9679;</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">6,508,073
shares of common stock issuable upon exercise of warrants outstanding at $1.12 per share; and</FONT></TD>
</TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; width: 100%"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#9679;</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">874,672
shares of common stock issuable upon exercise of warrants outstanding at $1.40 per share.</FONT></TD>
</TR></TABLE>


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

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-indent: 0.5in; margin: 0pt 0; background-color: white"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">This
prospectus reflects and assumes no exercise of outstanding options or warrants.</FONT></P>

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

</DIV>

<!-- Field: Page; Sequence: 28; Value: 1 -->
    <DIV STYLE="margin-top: 12pt; margin-bottom: 6pt; border-bottom: Black 1.5pt solid"><P STYLE="font: normal 10pt Times New Roman, Times, Serif; text-align: center; margin-top: 0pt; margin-bottom: 0pt">S-<!-- Field: Sequence; Type: Arabic; Name: PageNo -->2<!-- Field: /Sequence --></P></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; background-color: white"><A NAME="n_004"></A><B>RISK FACTORS</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; background-color: white"><I>Investing in our securities
involves risk. You should carefully consider the specific risks discussed below, together with all the other information contained in
the prospectus or incorporated by reference into this prospectus. You should also consider the risks, uncertainties and assumptions discussed
under the caption &ldquo;Risk Factors&rdquo; included in our&nbsp;Annual Report on Form&nbsp;10-K for the year ended March&nbsp;31, 2024&nbsp;and
in our Quarterly Reports on Form&nbsp;10-Q for the periods ended&nbsp;June&nbsp;30, September&nbsp;30,and December 31, 2024 and in subsequent
filings, which are incorporated by reference into this prospectus, which may be amended, supplemented or superseded from time to time
by other reports we file with the SEC in the future that are incorporated by reference in this prospectus. These risks and uncertainties
are not the only risks and uncertainties we face. Additional risks and uncertainties not presently known to us, or that we currently view
as immaterial, may also impair our business. If any of the risks or uncertainties described in our SEC filings or any additional risks
and uncertainties actually occur, our business, financial condition and results of operations could be materially and adversely affected.
In that case, the trading price of our securities could decline and you might lose all or part of your investment.</I></P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; background-color: white">&nbsp;</P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; background-color: white">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; background-color: white"><B>Risks Related to This Offering</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; background-color: white"><B><I>We have broad discretion in the use
of the net proceeds from this offering.</I></B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-indent: 0.5in; margin: 0pt 0; text-align: justify; background-color: white">Our management will have
broad discretion in the application of the net proceeds from this offering and could spend the proceeds in ways with which you may not
agree. Accordingly, you will be relying on the judgment of our management with regard to the use of the net proceeds, and you will not
have the opportunity, as part of your investment decision, to assess whether the proceeds are being used appropriately. It is possible
that the net proceeds will be invested or otherwise used in a way that does not yield a favorable, or any, return for the Company.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; background-color: white"><B><I>Investors in this
offering will experience immediate and substantial dilution in the net tangible book value per share of the common stock they purchase.</I></B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-indent: 0.5in; margin: 0pt 0; text-align: justify; background-color: white">Since the price per share
of our common stock being offered is higher than the net tangible book value per share of our common stock, you will suffer substantial
dilution in the net tangible book value of the common stock you purchase in this offering. See the section entitled &ldquo;Dilution&rdquo;
in this prospectus for a more detailed discussion of the dilution you will incur if you purchase common stock in this offering. In addition,
we have a significant number of options outstanding. If the holders of these options exercise such options, you may incur further dilution.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; background-color: white"><B><I>Our stockholders
may experience significant dilution as a result of future equity offerings and exercise of outstanding options.</I></B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-indent: 0.5in; margin: 0pt 0; text-align: justify; background-color: white">In order 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. We cannot assure you that we will be able to sell shares or other securities in any other offering at a price per share
that is equal to or greater 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. The price per share at which we sell additional shares of our common
stock or other securities convertible into or exchangeable for our common stock in future transactions may be higher or lower than the
price per share in this offering.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; background-color: white"><B><I>It is not possible
to predict the aggregate proceeds resulting from sales made under the sales agreement.</I></B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-indent: 0.5in; margin: 0pt 0; text-align: justify; background-color: white">Subject to certain limitations
in the sales agreement and compliance with applicable law, we have the discretion to deliver a placement notice to Leerink Partners at
any time throughout the term of the sales agreement. The number of shares that are sold through Leerink Partners after delivering a placement
notice will fluctuate based on a number of factors, including the market price of our common stock during the sales period, any limits
we may set with Leerink Partners in any applicable placement notice and the demand for our common stock. Because the price per share of
each share sold pursuant to the sales agreement will fluctuate over time, it is not currently possible to predict the aggregate proceeds
to be raised in connection with sales under the sales agreement.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; background-color: white"><B><I>The common stock
offered hereby will be sold in &ldquo;at the market offerings&rdquo; and investors who buy shares at different times will likely pay different
prices.</I></B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-indent: 0.5in; margin: 0pt 0; text-align: justify; background-color: white">Investors who purchase
shares in this offering at different times will likely pay different prices, and accordingly may experience different levels of dilution
and different outcomes in their investment results. We will have discretion, subject to market demand, to vary the timing, prices and
number of shares sold in this offering. In addition, subject to the final determination by our board of directors or any restrictions
we may place in any applicable placement notice, there is no minimum or maximum sales price for shares to be sold in this offering. Investors
may experience a decline in the value of the shares they purchase in this offering as a result of sales made at prices lower than the
prices they paid.</P>

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

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

<!-- Field: Page; Sequence: 29; Value: 1 -->
    <DIV STYLE="margin-top: 12pt; margin-bottom: 6pt; border-bottom: Black 1.5pt solid"><P STYLE="font: normal 10pt Times New Roman, Times, Serif; text-align: center; margin-top: 0pt; margin-bottom: 0pt">S-<!-- Field: Sequence; Type: Arabic; Name: PageNo -->3<!-- Field: /Sequence --></P></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; background-color: white"><B><A NAME="n_005"></A>SPECIAL NOTE REGARDING
FORWARD-LOOKING STATEMENTS</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-indent: 0.5in; margin: 0pt 0; text-align: justify; background-color: white">This prospectus includes
forward-looking statements within the meaning of Section 27A of the Securities Act of 1933, as amended, which we refer to as the &ldquo;Securities
Act,&rdquo; and Section 21E of the Securities Exchange Act of 1934, as amended, which we refer to as the &ldquo;Exchange Act,&rdquo; that
relate to future events or to our future operations or financial performance. Any forward-looking statement involves known and unknown
risks, uncertainties and other factors that may cause our actual results, levels of activity, performance or achievements to differ materially
from any future results, levels of activity, performance or achievements expressed or implied by such forward-looking statement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; background-color: white"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-indent: 0.5in; margin: 0pt 0; text-align: justify; background-color: white">Words such as, but not
limited to, &ldquo;believe,&rdquo; &ldquo;expect,&rdquo; &ldquo;anticipate,&rdquo; &ldquo;estimate,&rdquo; &ldquo;forecast,&rdquo; &ldquo;intend,&rdquo;
&ldquo;may,&rdquo; &ldquo;plan,&rdquo; &ldquo;potential,&rdquo; &ldquo;predict,&rdquo; &ldquo;project,&rdquo; &ldquo;targets,&rdquo; &ldquo;likely,&rdquo;
&ldquo;will,&rdquo; &ldquo;would,&rdquo; &ldquo;could,&rdquo; &ldquo;should,&rdquo; &ldquo;continue,&rdquo; &ldquo;scheduled&rdquo; and
similar expressions or phrases, or the negative of those expressions or phrases, are intended to identify forward-looking statements,
although not all forward-looking statements contain these identifying words. Although we believe that we have a reasonable basis for each
forward-looking statement contained in this prospectus, we caution you that these statements are based on our estimates or projections
of the future that are subject to known and unknown risks and uncertainties and other important factors that may cause our actual results,
level of activity, performance, experience or achievements to differ materially from those expressed or implied by any forward-looking
statement. Actual results, level of activity, performance, experience or achievements may differ materially from those expressed or implied
by any forward-looking statement as a result of various important factors, including risks and uncertainties relating, to:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; background-color: white"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%">
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 0pt; width: 0.5in; text-indent: 0pt">&nbsp;</TD>
    <TD STYLE="padding: 0pt; width: 0.25in; text-indent: 0pt">&#9679;</TD>
    <TD STYLE="text-align: justify; padding: 0pt; text-indent: 0pt">our strategies, prospects, plans, expectations, forecasts or objectives;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 0pt; text-indent: 0pt"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD>
    <TD STYLE="padding: 0pt; text-indent: 0pt"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: justify; padding: 0pt; text-indent: 0pt"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-align: justify; padding: 0pt; text-indent: 0pt">&nbsp;</TD>
    <TD STYLE="text-align: justify; padding: 0pt; text-indent: 0pt">&#9679;</TD>
    <TD STYLE="text-align: justify; padding: 0pt; text-indent: 0pt">our ability to achieve marketable products (i.e., our insulin pumps) and the costs and timing thereof;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-align: justify; padding: 0pt; text-indent: 0pt"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: justify; padding: 0pt; text-indent: 0pt"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: justify; padding: 0pt; text-indent: 0pt"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-align: justify; padding: 0pt; text-indent: 0pt">&nbsp;</TD>
    <TD STYLE="text-align: justify; padding: 0pt; text-indent: 0pt">&#9679;</TD>
    <TD STYLE="text-align: justify; padding: 0pt; text-indent: 0pt">acceptance of our product candidate by our target market and our ability to compete in such market;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-align: justify; padding: 0pt; text-indent: 0pt"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: justify; padding: 0pt; text-indent: 0pt"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: justify; padding: 0pt; text-indent: 0pt"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-align: justify; padding: 0pt; text-indent: 0pt">&nbsp;</TD>
    <TD STYLE="text-align: justify; padding: 0pt; text-indent: 0pt">&#9679;</TD>
    <TD STYLE="text-align: justify; padding: 0pt; text-indent: 0pt">our ability to raise additional financing when needed and the terms and timing thereof;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-align: justify; padding: 0pt; text-indent: 0pt"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: justify; padding: 0pt; text-indent: 0pt"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: justify; padding: 0pt; text-indent: 0pt"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-align: justify; padding: 0pt; text-indent: 0pt">&nbsp;</TD>
    <TD STYLE="text-align: justify; padding: 0pt; text-indent: 0pt">&#9679;</TD>
    <TD STYLE="text-align: justify; padding: 0pt; text-indent: 0pt">our ability to expand, protect and maintain our intellectual property rights;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-align: justify; padding: 0pt; text-indent: 0pt"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: justify; padding: 0pt; text-indent: 0pt"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: justify; padding: 0pt; text-indent: 0pt"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-align: justify; padding: 0pt; text-indent: 0pt">&nbsp;</TD>
    <TD STYLE="text-align: justify; padding: 0pt; text-indent: 0pt">&#9679;</TD>
    <TD STYLE="text-align: justify; padding: 0pt; text-indent: 0pt">our future operations, financial position, revenues, costs, expenses, uses of cash, capital requirements, our need for additional financing or the period for which our existing cash resources will be sufficient to meet our operating requirements;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-align: justify; padding: 0pt; text-indent: 0pt"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: justify; padding: 0pt; text-indent: 0pt"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: justify; padding: 0pt; text-indent: 0pt"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-align: justify; padding: 0pt; text-indent: 0pt">&nbsp;</TD>
    <TD STYLE="text-align: justify; padding: 0pt; text-indent: 0pt">&#9679;</TD>
    <TD STYLE="text-align: justify; padding: 0pt; text-indent: 0pt">our analysis of the target market for our insulin pump;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-align: justify; padding: 0pt; text-indent: 0pt"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: justify; padding: 0pt; text-indent: 0pt"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: justify; padding: 0pt; text-indent: 0pt"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-align: justify; padding: 0pt; text-indent: 0pt">&nbsp;</TD>
    <TD STYLE="text-align: justify; padding: 0pt; text-indent: 0pt">&#9679;</TD>
    <TD STYLE="text-align: justify; padding: 0pt; text-indent: 0pt">our ability to obtain all regulatory approvals and clearances relating to our insulin pump products;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-align: justify; padding: 0pt; text-indent: 0pt"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: justify; padding: 0pt; text-indent: 0pt"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: justify; padding: 0pt; text-indent: 0pt"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-align: justify; padding: 0pt; text-indent: 0pt">&nbsp;</TD>
    <TD STYLE="text-align: justify; padding: 0pt; text-indent: 0pt">&#9679;</TD>
    <TD STYLE="text-align: justify; padding: 0pt; text-indent: 0pt">regulatory developments in the United States and other countries;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-align: justify; padding: 0pt; text-indent: 0pt"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: justify; padding: 0pt; text-indent: 0pt"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: justify; padding: 0pt; text-indent: 0pt"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-align: justify; padding: 0pt; text-indent: 0pt">&nbsp;</TD>
    <TD STYLE="text-align: justify; padding: 0pt; text-indent: 0pt">&#9679;</TD>
    <TD STYLE="text-align: justify; padding: 0pt; text-indent: 0pt">the timing and costs of our obtaining all regulatory approvals and clearances identified immediately above;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-align: justify; padding: 0pt; text-indent: 0pt"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: justify; padding: 0pt; text-indent: 0pt"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: justify; padding: 0pt; text-indent: 0pt"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-align: justify; padding: 0pt; text-indent: 0pt">&nbsp;</TD>
    <TD STYLE="text-align: justify; padding: 0pt; text-indent: 0pt">&#9679;</TD>
    <TD STYLE="text-align: justify; padding: 0pt; text-indent: 0pt">our compliance with all applicable laws, rules and regulations, including those of the SEC and the FDA;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-align: justify; padding: 0pt; text-indent: 0pt"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: justify; padding: 0pt; text-indent: 0pt"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: justify; padding: 0pt; text-indent: 0pt"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-align: justify; padding: 0pt; text-indent: 0pt">&nbsp;</TD>
    <TD STYLE="text-align: justify; padding: 0pt; text-indent: 0pt">&#9679;</TD>
    <TD STYLE="text-align: justify; padding: 0pt; text-indent: 0pt">our ability to compete in the diabetes marketplace with larger and more substantial medical device companies;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-align: justify; padding: 0pt; text-indent: 0pt"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: justify; padding: 0pt; text-indent: 0pt"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: justify; padding: 0pt; text-indent: 0pt"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-align: justify; padding: 0pt; text-indent: 0pt">&nbsp;</TD>
    <TD STYLE="text-align: justify; padding: 0pt; text-indent: 0pt">&#9679;</TD>
    <TD STYLE="text-align: justify; padding: 0pt; text-indent: 0pt">general economic, business, political and social conditions;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-align: justify; padding: 0pt; text-indent: 0pt"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: justify; padding: 0pt; text-indent: 0pt"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: justify; padding: 0pt; text-indent: 0pt"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-align: justify; padding: 0pt; text-indent: 0pt">&nbsp;</TD>
    <TD STYLE="text-align: justify; padding: 0pt; text-indent: 0pt">&#9679;</TD>
    <TD STYLE="text-align: justify; padding: 0pt; text-indent: 0pt">our reliance on and our ability to retain (and if necessary, timely recruit and replace) our officers, directors and key employees and their ability to timely and competently perform at levels expected of them;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-align: justify; padding: 0pt; text-indent: 0pt"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: justify; padding: 0pt; text-indent: 0pt"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: justify; padding: 0pt; text-indent: 0pt"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-align: justify; padding: 0pt; text-indent: 0pt">&nbsp;</TD>
    <TD STYLE="text-align: justify; padding: 0pt; text-indent: 0pt">&#9679;</TD>
    <TD STYLE="text-align: justify; padding: 0pt; text-indent: 0pt">our ability to generate significant revenues and achieve profitability;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-align: justify; padding: 0pt; text-indent: 0pt"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: justify; padding: 0pt; text-indent: 0pt"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: justify; padding: 0pt; text-indent: 0pt"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-align: justify; padding: 0pt; text-indent: 0pt">&nbsp;</TD>
    <TD STYLE="text-align: justify; padding: 0pt; text-indent: 0pt">&#9679;</TD>
    <TD STYLE="text-align: justify; padding: 0pt; text-indent: 0pt">our ability to manage the growth of our business;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-align: justify; padding: 0pt; text-indent: 0pt"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: justify; padding: 0pt; text-indent: 0pt"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: justify; padding: 0pt; text-indent: 0pt"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-align: justify; padding: 0pt; text-indent: 0pt">&nbsp;</TD>
    <TD STYLE="text-align: justify; padding: 0pt; text-indent: 0pt">&#9679;</TD>
    <TD STYLE="text-align: justify; padding: 0pt; text-indent: 0pt">our commercialization, marketing and manufacturing capabilities and strategies;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-align: justify; padding: 0pt; text-indent: 0pt"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: justify; padding: 0pt; text-indent: 0pt"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: justify; padding: 0pt; text-indent: 0pt"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-align: justify; padding: 0pt; text-indent: 0pt">&nbsp;</TD>
    <TD STYLE="text-align: justify; padding: 0pt; text-indent: 0pt">&#9679;</TD>
    <TD STYLE="text-align: justify; padding: 0pt; text-indent: 0pt">our ability to expand, protect and maintain our intellectual property position;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-align: justify; padding: 0pt; text-indent: 0pt"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: justify; padding: 0pt; text-indent: 0pt"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: justify; padding: 0pt; text-indent: 0pt"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-align: justify; padding: 0pt; text-indent: 0pt">&nbsp;</TD>
    <TD STYLE="text-align: justify; padding: 0pt; text-indent: 0pt">&#9679;</TD>
    <TD STYLE="text-align: justify; padding: 0pt; text-indent: 0pt">the success of competing third-party products;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-align: justify; padding: 0pt; text-indent: 0pt"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: justify; padding: 0pt; text-indent: 0pt"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: justify; padding: 0pt; text-indent: 0pt"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-align: justify; padding: 0pt; text-indent: 0pt">&nbsp;</TD>
    <TD STYLE="text-align: justify; padding: 0pt; text-indent: 0pt">&#9679;</TD>
    <TD STYLE="text-align: justify; padding: 0pt; text-indent: 0pt">our ability to fully remediate our identified internal control material weaknesses;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-align: justify; padding: 0pt; text-indent: 0pt"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: justify; padding: 0pt; text-indent: 0pt"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: justify; padding: 0pt; text-indent: 0pt"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-align: justify; padding: 0pt; text-indent: 0pt">&nbsp;</TD>
    <TD STYLE="text-align: justify; padding: 0pt; text-indent: 0pt">&#9679;</TD>
    <TD STYLE="text-align: justify; padding: 0pt; text-indent: 0pt">our ability to meet the initial or continuing listing requirements of the Nasdaq Capital Market;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-align: justify; padding: 0pt; text-indent: 0pt"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: justify; padding: 0pt; text-indent: 0pt"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: justify; padding: 0pt; text-indent: 0pt"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-align: justify; padding: 0pt; text-indent: 0pt">&nbsp;</TD>
    <TD STYLE="text-align: justify; padding: 0pt; text-indent: 0pt">&#9679;</TD>
    <TD STYLE="text-align: justify; padding: 0pt; text-indent: 0pt">our ability to comply with regulatory requirements relating to our business, and the costs of compliance with those requirements, including those on data privacy and security;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-align: justify; padding: 0pt; text-indent: 0pt"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: justify; padding: 0pt; text-indent: 0pt"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: justify; padding: 0pt; text-indent: 0pt"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-align: justify; padding: 0pt; text-indent: 0pt">&nbsp;</TD>
    <TD STYLE="text-align: justify; padding: 0pt; text-indent: 0pt">&#9679;</TD>
    <TD STYLE="text-align: justify; padding: 0pt; text-indent: 0pt">the specific risk factors discussed under the heading &ldquo;<I>Risk Factors</I>&rdquo; set forth in this prospectus; and</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-align: justify; padding: 0pt; text-indent: 0pt"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: justify; padding: 0pt; text-indent: 0pt"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: justify; padding: 0pt; text-indent: 0pt"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-align: justify; padding: 0pt; text-indent: 0pt">&nbsp;</TD>
    <TD STYLE="text-align: justify; padding: 0pt; text-indent: 0pt">&#9679;</TD>
    <TD STYLE="text-align: justify; padding: 0pt; text-indent: 0pt">various other matters, many of which are beyond our control.</TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; background-color: white"><FONT STYLE="font-size: 7pt"><B>&nbsp;</B></FONT></P>

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

<!-- Field: Page; Sequence: 30; Value: 1 -->
    <DIV STYLE="margin-top: 12pt; margin-bottom: 6pt; border-bottom: Black 1.5pt solid"><P STYLE="font: normal 10pt Times New Roman, Times, Serif; text-align: center; margin-top: 0pt; margin-bottom: 0pt">S-<!-- Field: Sequence; Type: Arabic; Name: PageNo -->4<!-- Field: /Sequence --></P></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; background-color: white"><B><A NAME="n_006"></A>USE OF PROCEEDS</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in; text-align: justify; background-color: white">We may issue and sell
shares of our common stock having an aggregate sales proceeds of up to $7,200,000 from time to time. The amount of proceeds from this
offering, if any, will depend upon the number of shares of our common stock sold and the market price at which they are sold. There can
be no assurance that we will be able to sell any shares under, or fully utilize, the sales agreement with Leerink Partners as a source
of financing.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in; background-color: white">We
will retain broad discretion over the use of the net proceeds from the sale of the securities offered hereby. We currently intend to use
the net proceeds from this offering, if any, for working capital and other general corporate purposes, including capital expenditures.
The amount and timing of these expenditures will depend on a number of factors, such as the timing, scope, progress and results of our
research and development efforts.</P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; background-color: white">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-indent: 0.5in; margin: 0pt 0; text-align: justify; background-color: white">As of the date of this
prospectus, we cannot specify with certainty all of the particular uses for the net proceeds to us from this offering, if any. As a result,
our management will have broad discretion regarding the timing and application of the net proceeds from this offering. Pending their use,
we plan to invest the net proceeds from this offering in high-quality, short-term interest-bearing obligations, investment-grade instruments,
certificates of deposit or direct or guaranteed obligations of the U.S. government.</P>

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

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

<!-- Field: Page; Sequence: 31; Value: 1 -->
    <DIV STYLE="margin-top: 12pt; margin-bottom: 6pt; border-bottom: Black 1.5pt solid"><P STYLE="font: normal 10pt Times New Roman, Times, Serif; text-align: center; margin-top: 0pt; margin-bottom: 0pt">S-<!-- Field: Sequence; Type: Arabic; Name: PageNo -->5<!-- Field: /Sequence --></P></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; background-color: white"><A NAME="n_007"></A><B>DILUTION</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-indent: 0.5in; margin: 0pt 0; text-align: justify; background-color: white">If you invest in our
common stock, you will experience dilution to the extent of the difference between the price per share you pay in this offering and the
net tangible book value per share of our common stock immediately after this offering. Our net tangible book value as of December&nbsp;31,
2024 was approximately $10.3 million or $0.25 per share of our common stock. Net tangible book value per share as of December&nbsp;31,
2024 is equal to our total tangible assets minus total liabilities, all divided by the number of shares of common stock outstanding as
of December&nbsp;31, 2024.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in; background-color: white">After giving effect to the sale of approximately $7.2 million of shares
of our common stock in this offering at an assumed offering price of $1.02 per share, the last reported sale price of our common stock
on Nasdaq on May 12, 2025, and, after deducting estimated offering commissions and expenses payable by us, our as adjusted net tangible
book value would have been approximately $17.2 million or approximately $0.36 per share of common stock, as of December&nbsp;31, 2024.
This represents an immediate increase in net tangible book value of approximately $0.11 per share to existing stockholders and an immediate
dilution of approximately $0.67 per share to investors in this offering.</P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; background-color: white">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-indent: 0.5in; margin: 0pt 0; text-align: justify; background-color: white">The following table illustrates
this calculation on a per share basis.</P>

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: bottom; background-color: #CCEEFF">
    <TD STYLE="width: 76%; padding-left: 9pt; text-indent: -9pt"><FONT STYLE="font-size: 10pt">Assumed public offering price per share</FONT></TD>
    <TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="width: 9%">&nbsp;</TD>
    <TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="width: 1%"><FONT STYLE="font-size: 10pt">$</FONT></TD>
    <TD STYLE="width: 9%; text-align: right"><FONT STYLE="font-size: 10pt">1.02</FONT></TD>
    <TD STYLE="width: 1%">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: white">
    <TD STYLE="padding-left: 9pt; text-indent: -9pt"><FONT STYLE="font-size: 10pt">Net tangible book value per share as of December&nbsp;31, 2024</FONT></TD>
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">$</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">0.25</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: 9pt; text-indent: -9pt"><FONT STYLE="font-size: 10pt">Increase in net tangible book value per share attributable to this offering</FONT></TD>
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">$</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">0.11</FONT></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: white">
    <TD STYLE="padding-left: 9pt; text-indent: -9pt"><FONT STYLE="font-size: 10pt">As adjusted net tangible book value per share as of December&nbsp;31, 2024, after giving effect to this offering</FONT></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">$</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">0.36</FONT></TD>
    <TD>&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: #CCEEFF">
    <TD STYLE="padding-left: 9pt; text-indent: -9pt"><FONT STYLE="font-size: 10pt">Dilution per share to new investors purchasing shares in this offering</FONT></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">$</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">0.66</FONT></TD>
    <TD>&nbsp;</TD></TR>
  </TABLE>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in; background-color: white">The table above assumes for illustrative purposes that an aggregate
of 7,058,824 shares of our common stock are sold during the term of the sales agreement with Leerink Partners at a price of $1.02 per
share, the last reported sale price of our common stock on Nasdaq on May 12, 2025, for aggregate gross proceeds of $7,200,000. The shares
sold in this offering, if any, will be sold from time to time at various prices. Changes in the assumed public offering price per share
shown in the table above would not affect our as adjusted net tangible book value after this offering because this offering is currently
limited to $7,200,000. An increase of $0.25 per share in the price at which the shares are sold from the assumed offering price per share
shown in the table above, to $1.27 per share, assuming all of our common stock is sold at that price in the aggregate amount of $7,200,000
during the remaining term of the sales agreement with Leerink Partners, would increase our adjusted net tangible book value per share
after the offering to $0.37 per share and would decrease the dilution in net tangible book value per share to new investors in this offering
to $0.65 per share, after deducting commissions and estimated aggregate offering expenses payable by us. A decrease of $0.25 per share
in the price at which the shares are sold from the assumed offering price per share shown in the table above, to $0.77 per share, assuming
all of our common stock is sold at that price in the aggregate amount of $7,200,000 during the remaining term of the sales agreement with
Leerink Partners, would decrease our adjusted net tangible book value per share after the offering to $0.34 per share and would increase
the dilution in net tangible book value per share to new investors in this offering to $0.68 per share, after deducting commissions and
estimated aggregate offering expenses payable by us. This information is supplied for illustrative purposes only.</P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; background-color: white">&nbsp;</P>

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in; background-color: white"><FONT STYLE="font-family: Times New Roman, Times, Serif">The
above discussion and table are based on 40,665,220 shares of our common stock issued and outstanding as of December 31, 2024, and excludes,
as of such date:</FONT></P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; width: 100%"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&#9679;</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">2,686,122
shares of common stock reserved for issuance under our Amended and Restated 2017 Equity Incentive Plan;</FONT></TD>
</TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; width: 100%"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&#9679;</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">4,632,715
shares of common stock issuable upon the exercise of options outstanding, with a weighted average exercise price of $3.30 per share;</FONT></TD>
</TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; width: 100%"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&#9679;</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">125,001
shares of common stock issuable upon vesting of restricted stock units;</FONT></TD>
</TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; width: 100%"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#9679;</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">767,796
shares of common stock issuable upon exercise of warrants outstanding at $6.00 per share;</FONT></TD>
</TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; width: 100%"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#9679;</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">5,449,478
shares of common stock issuable upon exercise of warrants outstanding at $6.60 per share;</FONT></TD>
</TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; width: 100%"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#9679;</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">484,006
shares of common stock issuable upon exercise of warrants outstanding at $1.325 per share;</FONT></TD>
</TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; width: 100%"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#9679;</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">531,314
shares of common stock issuable upon exercise of pre-funded warrants outstanding at $0.01 per share;</FONT></TD>
</TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; width: 100%"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#9679;</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">3,564,183
shares of common stock issuable upon exercise of warrants outstanding at $1.22 per share; and</FONT></TD>
</TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; width: 100%"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#9679;</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">381,540
shares of common stock issuable upon exercise of warrants outstanding at $1.875 per share.</FONT></TD>
</TR></TABLE>


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

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

<!-- Field: Page; Sequence: 32; Value: 1 -->
    <DIV STYLE="margin-top: 12pt; margin-bottom: 6pt; border-bottom: Black 1.5pt solid"><P STYLE="font: normal 10pt Times New Roman, Times, Serif; text-align: center; margin-top: 0pt; margin-bottom: 0pt">S-<!-- Field: Sequence; Type: Arabic; Name: PageNo -->6<!-- Field: /Sequence --></P></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; background-color: white"><B><A NAME="n_008"></A>PLAN OF DISTRIBUTION</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in; text-align: justify; background-color: white">We have entered into
a sales agreement with Leerink Partners LLC (&ldquo;Leerink Partners&rdquo;) under which we may issue and sell from time to time up to
$7,200,000 of our common stock through or to Leerink Partners as sales agent or principal. Sales of our common stock, if any, will be
made at market prices by any method that is deemed to be an &ldquo;at the market offering&rdquo; as defined in Rule&nbsp;415 under the
Securities Act. If authorized by us in writing, Leerink Partners may purchase shares of our common stock as principal.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-indent: 0.5in; margin: 0pt 0; text-align: justify; background-color: white">Leerink Partners will
offer our common stock subject to the terms and conditions of the sales agreement as agreed upon by us and Leerink Partners. We will designate
the maximum amount of common stock to be sold through Leerink Partners on a daily basis or otherwise determine such maximum amount together
with Leerink Partners. Subject to the terms and conditions of the sales agreement, Leerink Partners will use its commercially reasonable
efforts to sell on our behalf all of the shares of common stock requested to be sold by us. We may instruct Leerink Partners not to sell
common stock if the sales cannot be effected at or above the price designated by us in any such instruction. Leerink Partners or we may
suspend the offering of our common stock being made through Leerink Partners under the sales agreement upon proper notice to the other
party. Leerink Partners and we each have the right, by giving written notice as specified in the sales agreement, to terminate the sales
agreement in each party&rsquo;s discretion at any time.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in; text-align: justify; background-color: white">The aggregate compensation
payable to Leerink Partners as sales agent equal to 3.0% of the gross sales price of the shares sold through it pursuant to the sales
agreement. We reimbursed Leerink Partners $75,000 of its actual outside legal expenses incurred by Leerink Partners in connection with
the establishment of this offering plus certain ongoing fees of its legal counsel. We have also agreed to reimburse Leerink Partners for
ongoing diligence expenses in an amount not to exceed $15,000 per calendar quarter, as provided in the Sales Agreement We estimate that
the total expenses of the offering payable by us, excluding commissions payable to Leerink Partners under the sales agreement, will be
approximately $200,000.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-indent: 0.5in; margin: 0pt 0; text-align: justify; background-color: white">The remaining sales proceeds,
after deducting any expenses payable by us and any transaction fees imposed by any governmental, regulatory, or self-regulatory organization
in connection with the sales, will equal our net proceeds for the sale of such common stock.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-indent: 0.5in; margin: 0pt 0; text-align: justify; background-color: white">Leerink Partners will
provide written confirmation to us following the close of trading on Nasdaq on each day in which common stock is sold through it as sales
agent under the sales agreement. Each confirmation will include the number of shares of common stock sold through it as sales agent on
that day, the volume weighted average price of the shares sold, the percentage of the daily trading volume and the net proceeds to us.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-indent: 0.5in; margin: 0pt 0; text-align: justify; background-color: white">To the extent any sales
are made, we will report at least quarterly the number of shares of common stock sold through Leerink Partners under the sales agreement,
the net proceeds to us and the compensation paid by us to Leerink Partners in connection with the sales of common stock.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-indent: 0.5in; margin: 0pt 0; text-align: justify; background-color: white">Settlement for sales
of common stock will occur, unless the parties agree otherwise, on the second business day that is also a trading day following the date
on which any sales were made in return for payment of the net proceeds to us. There is no arrangement for funds to be received in an escrow,
trust or similar arrangement.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-indent: 0.5in; margin: 0pt 0; text-align: justify; background-color: white">In connection with the
sales of our common stock on our behalf, Leerink Partners will be deemed to be an &ldquo;underwriter&rdquo; within the meaning of the
Securities Act, and the compensation paid to Leerink Partners will be deemed to be underwriting commissions or discounts. We have agreed
in the sales agreement to provide indemnification and contribution to Leerink Partners against certain liabilities, including liabilities
under the Securities Act. As sales agent, Leerink Partners will not engage in any transactions that stabilizes our common stock.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-indent: 0.5in; margin: 0pt 0; text-align: justify; background-color: white">Our common stock is listed
on The Nasdaq Capital Market and trades under the symbol &ldquo;MODD.&rdquo; The transfer agent of our common stock is Colonial Stock
Transfer Co., Inc.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-indent: 0.5in; margin: 0pt 0; text-align: justify; background-color: white">Leerink Partners and/or
its affiliates have provided, and may in the future provide, various investment banking and other financial services for us for which
services they have received and, may in the future receive, customary fees.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-indent: 0.5in; margin: 0pt 0; text-align: justify; background-color: white">In addition, in the ordinary
course of its business activities, Leerink Partners and its 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. Such investments and securities activities may involve securities and/or instruments of ours or our
affiliates. Leerink Partners and its affiliates may also make investment recommendations and/or publish or express independent research
views in respect of such securities or financial instruments and may hold, or recommend to clients that they acquire, long and/or short
positions in such securities and instruments.</P>

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

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

<!-- Field: Page; Sequence: 33; Value: 1 -->
    <DIV STYLE="margin-top: 12pt; margin-bottom: 6pt; border-bottom: Black 1.5pt solid"><P STYLE="font: normal 10pt Times New Roman, Times, Serif; text-align: center; margin-top: 0pt; margin-bottom: 0pt">S-<!-- Field: Sequence; Type: Arabic; Name: PageNo -->7<!-- Field: /Sequence --></P></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; background-color: white"><A NAME="n_009"></A><B>LEGAL MATTERS</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-indent: 0.5in; margin: 0pt 0; text-align: justify; background-color: white">Certain legal matters
in connection with the securities offered hereby will be passed upon for us by Lucosky Brookman LLP. Leerink Partners is being represented
in connection with this offering by Duane Morris LLP.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; background-color: white"><A NAME="n_010"></A><B>EXPERTS</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-indent: 0.5in; margin: 0pt 0; text-align: justify; background-color: white">The consolidated financial
statements of Modular Medical, Inc. as of and for the years ended March 31, 2024 and 2023 incorporated by reference in this Prospectus
and in this Registration Statement to the Annual Report on Form 10-K for the year ended March 31, 2024, have been so incorporated in reliance
on the report of Farber Hass Hurley LLP, an independent registered public accounting firm, as indicated in their report with respect thereto,
and are included herein in reliance upon the authority of said firm as experts in auditing and accounting in giving said report.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; background-color: white"><B><A NAME="n_011"></A>WHERE YOU CAN FIND
MORE INFORMATION</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-indent: 0.5in; margin: 0pt 0; text-align: justify; background-color: white">We have filed with the
SEC a registration statement on&nbsp;Form&nbsp;S-3&nbsp;under the Securities Act of 1933, as amended (the &ldquo;Securities Act&rdquo;),
with respect to the securities offered by this prospectus. This prospectus does not contain all of the information set forth in the registration
statement, of which it is a part, and its exhibits and schedules in accordance with SEC rules&nbsp;and regulations. For further information
with respect to us and the securities being offered by this prospectus, you should read the registration statement, including its exhibits
and schedules. Statements contained in this prospectus, including documents that we have incorporated by reference, as to the contents
of any contract or other document referred to are not necessarily complete, and, with respect to any contract or other document filed
as an exhibit to the registration statement or any other such document, each such statement is qualified in all respects by reference
to the corresponding exhibit. You should review the complete contract or other document to evaluate these statements. You may obtain copies
of the registration statement and its exhibits via the SEC&rsquo;s website at http://www.sec.gov.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-indent: 0.5in; margin: 0pt 0; text-align: justify; background-color: white">We are subject to the
information and periodic reporting requirements of the Exchange Act, and we file annual, quarterly and current reports, proxy statements
and other documents with the SEC. The SEC maintains a website that contains reports, proxy and information statements and other information
regarding issuers, including us, that file electronically with the SEC. You may obtain documents that we file with the SEC at&nbsp;http://www.sec.gov.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-indent: 0.5in; margin: 0pt 0; text-align: justify; background-color: white">We also make these documents
available on our website at&nbsp;<I>www.modular-medical.com</I>. Our website and the information contained or accessible through our website
is not incorporated by reference in this prospectus, and you should not consider it part of this prospectus.</P>

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

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

<!-- Field: Page; Sequence: 34; Value: 1 -->
    <DIV STYLE="margin-top: 12pt; margin-bottom: 6pt; border-bottom: Black 1.5pt solid"><P STYLE="font: normal 10pt Times New Roman, Times, Serif; text-align: center; margin-top: 0pt; margin-bottom: 0pt">S-<!-- Field: Sequence; Type: Arabic; Name: PageNo -->8<!-- Field: /Sequence --></P></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; background-color: white"><A NAME="n_012"></A><B>INCORPORATION OF CERTAIN
INFORMATION BY REFERENCE</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-indent: 0.5in; margin: 0pt 0; text-align: justify; background-color: white">The SEC allows us to
&ldquo;incorporate&rdquo; into this prospectus information that we file with the SEC in other documents. This means that we can disclose
important information to you by referring to other documents that contain that information. Any information that we incorporate by reference
into this prospectus is considered part of this prospectus.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-indent: 0.5in; margin: 0pt 0; text-align: justify; background-color: white">Information contained
in this prospectus and information that we file with the SEC in the future and incorporate by reference in this prospectus automatically
modifies and supersedes previously filed information, including information in previously filed documents or reports that have been incorporated
by reference in this prospectus, to the extent the new information differs from or is inconsistent with the old information. Any statement
so modified will be deemed to constitute a part of this prospectus only as so modified, and any statement so superseded will be deemed
not to constitute a part of this prospectus. For more information, see &ldquo;About this Prospectus.&rdquo;</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-indent: 0.5in; margin: 0pt 0; text-align: justify; background-color: white">We incorporate by reference,
as of their respective dates of filing, the documents listed below that we have filed with the SEC and any additional documents that we
may file in the future with the SEC pursuant to Sections 13(a), 13(c), 14 or 15(d) of the Exchange Act, including any documents filed
after the date on which the registration statement of which this prospectus is a part is initially filed until the offering of the security
covered by this prospectus has been completed, other than, in each case, documents or information deemed to have been &ldquo;furnished&rdquo;
and not &ldquo;filed&rdquo; in accordance with SEC rules:</P>

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0.25pt 0.5pt; width: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#9679;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0.25pt 0.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">our
    Annual Report on <A HREF="https://www.sec.gov/Archives/edgar/data/1074871/000121390024054877/ea0207206-10k_modular.htm">Form 10-K</A> for the fiscal year ended March 31, 2024 filed with the SEC on June 21, 2024; </FONT></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0.25pt 0.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0.25pt 0.5pt; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0.25pt 0.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#9679;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; padding: 0.25pt 0.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">the
    portions of our Definitive Proxy Statement on <A HREF="https://www.sec.gov/Archives/edgar/data/1074871/000121390025006614/ea0228195-01.htm">Schedule 14A</A> for our 2025 Annual Meeting of Stockholders, filed with the SEC on January
    24, 2025, specifically incorporated by reference into our Annual Report on <A HREF="http://www.sec.gov/Archives/edgar/data/1074871/000121390024054877/ea0207206-10k_modular.htm">Form 10-K</A> for the year ended March 31, 2024;</FONT></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0.25pt 0.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0.25pt 0.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0.25pt 0.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#9679;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0.25pt 0.5pt; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">our
    Quarterly Reports on Form 10-Q for the quarters ended June 30, 2024, September 30, 2024 and December 31, 2024, filed with the SEC
    on <A HREF="https://www.sec.gov/Archives/edgar/data/1074871/000121390024068407/ea0210785-10q_modular.htm">August 13, 2024</A>, <A HREF="https://www.sec.gov/Archives/edgar/data/1074871/000121390024098418/ea0220455-10q_modular.htm">November 14, 2024</A>, as amended on <A HREF="https://www.sec.gov/Archives/edgar/data/1074871/000121390024103547/ea0222929-10qa1_modular.htm">November 27, 2024</A>, and <A HREF="https://www.sec.gov/Archives/edgar/data/1074871/000121390025013462/ea0230149-10q_modular.htm">February 13, 2025</A>, respectively;</FONT></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0.25pt 0.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0.25pt 0.5pt; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0.25pt 0.5pt; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#9679;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0.25pt 0.5pt; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">our
    Current Reports on Form 8-K filed <A HREF="https://www.sec.gov/Archives/edgar/data/1074871/000121390024031921/ea0203660-8k_modular.htm">April 10, 2024</A>, <A HREF="https://www.sec.gov/Archives/edgar/data/1074871/000121390024072999/ea0212472-8k_modular.htm">August 27, 2024</A>, <A HREF="https://www.sec.gov/Archives/edgar/data/1074871/000121390024075772/ea0213557-8k_modular.htm">September 5, 2024</A>, <A HREF="https://www.sec.gov/Archives/edgar/data/1074871/000121390024102121/ea0222418-8k_modular.htm">November 25, 2024</A>, <A HREF="https://www.sec.gov/Archives/edgar/data/1074871/000121390025019397/ea0232745-8k_modular.htm">March 3, 2025</A> and <A HREF="https://www.sec.gov/Archives/edgar/data/1074871/000101376225002793/ea0235502-8k_modular.htm">March 26, 2025</A>;</FONT></TD></TR>

<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: justify; width: 0.5in">&nbsp;</TD>
    <TD STYLE="text-align: justify; padding: 0pt; text-indent: 0pt; width: 0.25in">&nbsp;</TD>
    <TD STYLE="text-align: justify; padding: 0pt; text-indent: 0pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify; padding: 0pt; text-indent: 0pt">&#9679;</TD>
    <TD STYLE="text-align: justify; padding: 0pt; text-indent: 0pt">the description of our common stock contained in our Registration
    Statement on <A HREF="https://www.sec.gov/Archives/edgar/data/1074871/000101905622000163/modular_8a.htm">Form 8-A</A> (File No. 001-41277) filed on February 9, 2022, including any amendment or report filed for the purpose of updating
    such description; and</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify; padding: 0pt; text-indent: 0pt">&nbsp;</TD>
    <TD STYLE="text-align: justify; padding: 0pt; text-indent: 0pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="padding: 0pt; text-indent: 0pt; text-align: justify">&#9679;</TD>
    <TD STYLE="padding: 0pt; text-indent: 0pt; text-align: justify">All reports and other documents we subsequently file pursuant to Section 13(a), 13(c), 14 or 15(d) of the Exchange Act prior to the termination of this offering, including all such documents we may file with the SEC after the date of the initial registration statement and prior to the effectiveness of the registration statement, but excluding any information furnished to, rather than filed with, the SEC, will also be incorporated by reference into this prospectus and deemed to be part of this prospectus from the date of the filing of such reports and documents.</TD></TR>
  </TABLE>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-indent: 0.5in; margin: 0pt 0; text-align: justify; background-color: white">All documents that we
file (but not those that we furnish) pursuant to Section&nbsp;13(a), 13(c), 14 or 15(d)&nbsp;of the Exchange Act, after the date of the
initial registration statement of which this prospectus is a part and prior to the effectiveness of the registration statement shall be
deemed to be incorporated by reference into this prospectus and will automatically update and supersede the information in this prospectus,
and any previously filed documents. All documents that we file (but not those that we furnish) pursuant to Section&nbsp;13(a), 13(c),
14 or 15(d)&nbsp;of the Exchange Act on or after the date of this prospectus and prior to the termination of the offering of any of the
securities covered under this prospectus shall be deemed to be incorporated by reference into this prospectus and will automatically update
and supersede the information in this prospectus and any previously filed documents.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-indent: 0.5in; margin: 0pt 0; text-align: justify; background-color: white">Any statement contained
herein or in a document incorporated or deemed to be incorporated by reference in this prospectus shall be deemed to be modified or superseded
for purposes of this prospectus to the extent that a statement contained in this prospectus, or in any other subsequently filed document
which also is or is deemed to be incorporated by reference in this prospectus, modifies or supersedes such earlier statement. Any statement
so modified or superseded shall not be deemed, except as so modified or superseded, to constitute a part of this prospectus.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-indent: 0.5in; margin: 0pt 0; text-align: justify; background-color: white">You can obtain any of
the filings incorporated by reference into this prospectus through us or from the SEC through the SEC&rsquo;s website at http://www.sec.gov.
Upon request, we will provide, without charge, a copy of any or all of the reports and documents referred to above which have been incorporated
by reference into this prospectus. Prospective investors may obtain documents incorporated by reference in this prospectus by requesting
them in writing or by telephone from us at our executive offices at:</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; background-color: white"><B>Modular Medical,&nbsp;Inc.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; background-color: white"><B>10740 Thornmint Road</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; background-color: white"><B>San Diego, California
92127</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; background-color: white"><B>(858) 800-3500</B></P>

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

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in; background-color: white">Exhibits to the filings will not be sent,
however, unless those exhibits have specifically been incorporated by reference in this prospectus and any accompanying prospectus supplement.</P>

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


<!-- Field: Page; Sequence: 35; Value: 1 -->
    <DIV STYLE="margin-top: 12pt; margin-bottom: 6pt; border-bottom: Black 1.5pt solid"><P STYLE="font: normal 10pt Times New Roman, Times, Serif; text-align: center; margin-top: 0pt; margin-bottom: 0pt">S-<!-- Field: Sequence; Type: Arabic; Name: PageNo -->9<!-- Field: /Sequence --></P></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

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

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; background-color: white"><B>Up to $7,200,000</B></P>

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center; background-color: white"><IMG SRC="image_004.jpg" ALT=""></P>

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

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

<!-- Field: Rule-Page --><DIV STYLE="margin: 0pt auto; width: 25%"><DIV STYLE="font-size: 1pt; border-top: Black 1.5pt solid">&nbsp;</DIV></DIV><!-- Field: /Rule-Page -->

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center; background-color: white"><B>Common Stock</B></P>

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center; background-color: white"><B>PROSPECTUS SUPPLEMENT</B></P>

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center; background-color: white"><FONT STYLE="font-size: 14pt"><B>Leerink
Partners</B></FONT></P>

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center; background-color: white"><B>, 2025</B></P>

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

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

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


<!-- Field: Page; Sequence: 36 -->
    <DIV STYLE="margin-top: 12pt; margin-bottom: 6pt; border-bottom: Black 1.5pt solid"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>INFORMATION NOT REQUIRED IN PROSPECTUS</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>Item 14. Other Expenses of Issuance and Distribution</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">The following table sets forth an itemization of the various costs
and expenses, other than underwriting discounts and commissions, payable by us in connection with the issuance and distribution of the
securities being registered hereunder. All of the amounts shown are estimated except for the SEC registration fee paid.</P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%; font: 10pt Times New Roman, Times, Serif">
  <TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="width: 88%; text-align: left">SEC registration fee</TD>
    <TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: left">$</TD>
    <TD STYLE="width: 9%; text-align: right">11,482.50</TD>
    <TD STYLE="width: 1%; text-align: left">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-align: left">FINRA filing fees</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: left">$</TD>
    <TD STYLE="text-align: right">11,750.00</TD>
    <TD STYLE="text-align: left">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: left">Legal fees and expenses</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: left">$</TD>
    <TD STYLE="text-align: right">*</TD>
    <TD STYLE="text-align: left">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-align: left">Accounting fees and expenses</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: left">$</TD>
    <TD STYLE="text-align: right">*</TD>
    <TD STYLE="text-align: left">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="padding-bottom: 1.5pt">Miscellaneous</TD>
    <TD STYLE="padding-bottom: 1.5pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt solid; text-align: left">$</TD>
    <TD STYLE="border-bottom: Black 1.5pt solid; text-align: right">*</TD>
    <TD STYLE="padding-bottom: 1.5pt; text-align: left">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="padding-bottom: 4pt">Total expenses</TD>
    <TD STYLE="padding-bottom: 4pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 4pt double; text-align: left">$</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: Black 4pt double; text-align: right">*</TD>
    <TD STYLE="padding-bottom: 4pt; text-align: left">&nbsp;</TD></TR>
  </TABLE>


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

<!-- Field: Rule-Page --><DIV STYLE="margin-top: 0pt; margin-bottom: 0pt; width: 25%"><DIV STYLE="font-size: 1pt; border-top: Black 1.5pt solid">&nbsp;</DIV></DIV><!-- Field: /Rule-Page -->

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; width: 100%"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 0in"></TD><TD STYLE="width: 0.25in; text-align: left">*</TD><TD STYLE="text-align: justify">These fees and expenses depend on the securities offered and the number of issuances, and accordingly cannot be estimated at this time.</TD>
</TR></TABLE>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>Item 15. Indemnification of Directors and Executive Officers</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Our Amended and Restated Articles of Incorporation and our Amended Bylaws
provide that each person who was or is made a party or is threatened to be made a party to or is otherwise involved (including, without
limitation, as a witness) in any action, suit or proceeding, whether civil, criminal, administrative or investigative, by reason of the
fact that he or she is or was one of our directors or officers or is or was serving at our request as a director, officer, employee or
agent of another corporation, partnership, joint venture, trust or other enterprise, whether the basis of such action, suit or proceeding
is alleged action in an official capacity as a director, officer or trustee or in any other capacity while serving as a director, officer
or trustee, shall be indemnified and held harmless by us to the fullest extent authorized by the Nevada Revised Statutes, or NRS, against
all expense, liability and loss (including attorneys&rsquo; fees and amounts paid in settlement) reasonably incurred or suffered by such.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.25in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">NRS 78.7502 permits a corporation to indemnify any director or officer
of the corporation against expenses (including attorneys&rsquo; fees) and amounts paid in settlement actually and reasonably incurred
in connection with any action, suit or proceeding brought by reason of the fact that such person is or was a director or officer of the
corporation, if such person (i) is not liable pursuant to NRS 78.138 and (ii) acted in good faith and in a manner which he or she reasonably
believed to be in or not opposed to the best interests of the corporation, and, with respect to any criminal action or proceeding, had
no reasonable cause to believe the conduct was unlawful. In a derivative action (i.e., one brought by or on behalf of the corporation),
indemnification may be provided only for expenses actually and reasonably incurred by any director or officer in connection with the defense
or settlement of such an action or the suit if such person (i) is not liable pursuant to NRS 78.138 and (ii) acted in good faith and in
a manner which he or she reasonably believed to be in or not opposed to the best interests of the corporation, except that no indemnification
shall be provided if such person shall have been adjudged to be liable to the corporation, unless and only to the extent that the court
in which the action or suit was brought or some other court of competent jurisdiction determines that such person is fairly and reasonably
entitled to indemnity for such expenses as the court deems proper.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.25in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Our Amended and Restated Articles of Incorporation provide that the liability
of our directors and officers shall be eliminated or limited to the fullest extent permitted by the NRS. NRS 78.138(7) provides that,
subject to limited statutory exceptions and unless the articles of incorporation or an amendment thereto (in each case filed on or after
October 1, 2003) provide for greater individual liability, a director or officer is not individually liable to a corporation or its shareholders
or creditors for any damages as a result of any act or failure to act in his or her capacity as a director or officer unless it is proven
that: (i) the act or failure to act constituted a breach of his or her fiduciary duties as a director or officer and (ii) the breach of
those duties involved intentional misconduct, fraud or a knowing violation of law.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.25in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.25in"></P>

<!-- Field: Page; Sequence: 37; Options: NewSection; Value: 1 -->
    <DIV STYLE="margin-top: 12pt; margin-bottom: 6pt; border-bottom: Black 1.5pt solid"><P STYLE="font: normal 10pt Times New Roman, Times, Serif; text-align: center; margin-top: 0pt; margin-bottom: 0pt">II-<!-- Field: Sequence; Type: Arabic; Name: PageNo -->1<!-- Field: /Sequence --></P></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.25in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">The foregoing discussion of our Amended and Restated Articles of Incorporation, Amended Bylaws and Nevada law is
not intended to be exhaustive and is qualified in its entirety by such Second Amended and Restated Articles of Incorporation, Amended
and Restated Bylaws, indemnification agreements, indemnity agreement, or law.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.25in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Nevada Revised Statutes provide that a corporation may purchase and maintain
insurance or make other<B>&nbsp;</B>financial arrangements on behalf of any person who is or was a director, officer, employee or agent
of<B>&nbsp;</B>the corporation, or is or was serving at the request of the corporation as a director, officer, employee or agent of another
corporation, partnership, joint venture, trust or other enterprise for any liability asserted against him and liability and expenses incurred
by him in his capacity as a director, officer, employee or agent, or arising out of his status as such, whether or not the corporation
has the authority to indemnify him against such liability and expenses.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.25in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">We have been advised that in the opinion of the SEC, insofar as indemnification
for liabilities arising under the Securities Act may be permitted to our directors, officers and other persons pursuant to the foregoing
provisions, or otherwise, such indemnification is against public policy as expressed in the Securities Act and is therefore unenforceable.
In the event a claim for indemnification against such liabilities (other than payment of expenses incurred or paid by a director or officer
in the successful defense of any action, suit or proceeding) is asserted by such director, officer or other person in connection with
the securities being registered, we will, unless in the opinion of our counsel the matter has been settled by controlling precedent, submit
to a court of appropriate jurisdiction the question of whether such indemnification is against public policy as expressed in the Securities
Act and will be governed by the final adjudication of such issue.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.25in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">In any underwriting agreement we enter into in
connection with the sale of Common Stock being registered hereby, the underwriters will agree to indemnify, under certain conditions,
us, our directors, our officers and persons who control us within the meaning of the Securities Act of 1933, as amended, against certain
liabilities.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.25in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>Item 16. Exhibits</B></P>

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR>
    <TD STYLE="white-space: nowrap; vertical-align: top; text-align: left">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: center">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: justify">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: center">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="white-space: nowrap; vertical-align: bottom; text-align: center"><B>Incorporated by</B></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: center">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="white-space: nowrap; vertical-align: bottom; text-align: center">&nbsp;</TD></TR>
  <TR>
    <TD STYLE="text-align: left; white-space: nowrap; vertical-align: top"><B>Exhibit</B></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: center">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: justify">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: center">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="white-space: nowrap; vertical-align: bottom; border-bottom: black 1.5pt solid; text-align: center"><B>Reference</B></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: center">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="white-space: nowrap; vertical-align: bottom; border-bottom: black 1.5pt solid; text-align: center"><B>Filed or Furnished</B></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-bottom: black 1.5pt solid; white-space: nowrap; text-align: left; width: 9%"><B>Number</B></TD>
    <TD STYLE="white-space: nowrap; text-align: center; width: 1%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; border-bottom: black 1.5pt solid; text-align: center; width: 58%"><B>Exhibit Description</B></TD>
    <TD STYLE="white-space: nowrap; text-align: center; width: 1%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; border-bottom: black 1.5pt solid; text-align: center; width: 7%"><B>Form</B></TD>
    <TD STYLE="white-space: nowrap; text-align: center; width: 1%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; border-bottom: black 1.5pt solid; text-align: center; width: 7%"><B>Exhibit</B></TD>
    <TD STYLE="white-space: nowrap; text-align: center; width: 1%">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1.5pt solid; white-space: nowrap; text-align: center; width: 7%"><B>Filing Date</B></TD>
    <TD STYLE="white-space: nowrap; text-align: center; width: 1%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; border-bottom: black 1.5pt solid; text-align: center; width: 7%"><B>Herewith</B></TD></TR>
  <TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: top; text-align: left">1.1*</TD>
    <TD STYLE="vertical-align: bottom; text-align: center">&nbsp;</TD>
    <TD STYLE="vertical-align: top">Form of Underwriting Agreement</TD>
    <TD STYLE="vertical-align: bottom; text-align: center">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: center">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: center">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: center">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: center">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: center">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: center">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: center">&nbsp;</TD></TR>
  <TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; text-align: left">1.2</TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: top"><P STYLE="margin: 0pt 0; font: 10pt Times New Roman, Times, Serif"><A HREF="https://www.sec.gov/Archives/edgar/data/1074871/000121390023089664/ea188824ex1-1_modular.htm">Sales Agreement, dated as of November 22, 2023, between Modular Medical, Inc and Leerink Partners LLC</A></P></TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: center">8-K</TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: center">1.01</TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: center">11/22/2023</TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD></TR>
  <TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: top; text-align: left">3.1</TD>
    <TD STYLE="vertical-align: bottom; text-align: center">&nbsp;</TD>
    <TD STYLE="vertical-align: top"><A HREF="https://www.sec.gov/Archives/edgar/data/1074871/000101905617000593/ex3_1.htm">Third Amended and Restated Articles of Incorporation, as filed with the Secretary of State of Nevada on June 27, 2017</A></TD>
    <TD STYLE="vertical-align: bottom; text-align: center">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: center">8-K</TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: center">3.1</TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: center">06/29/2017</TD>
    <TD STYLE="vertical-align: bottom; text-align: center">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: center">&nbsp;</TD></TR>
  <TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; text-align: left">3.2</TD>
    <TD STYLE="vertical-align: bottom; text-align: center">&nbsp;</TD>
    <TD STYLE="vertical-align: top"><A HREF="https://www.sec.gov/Archives/edgar/data/1074871/000101905621000620/ex3_1.htm">Certificate of Amendment to the Amended and Restated Articles of Incorporation of Modular Medical, Inc., filed with the Secretary of State of the State of Nevada on November 24, 2021</A></TD>
    <TD STYLE="vertical-align: bottom; text-align: center">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: center">8-K</TD>
    <TD STYLE="vertical-align: bottom; text-align: center">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: center">3.1</TD>
    <TD STYLE="vertical-align: bottom; text-align: center">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: center">12/01/2021</TD>
    <TD STYLE="vertical-align: bottom; text-align: center">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: center">&nbsp;</TD></TR>
  <TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: top; text-align: left">3.3</TD>
    <TD STYLE="vertical-align: bottom; text-align: center">&nbsp;</TD>
    <TD STYLE="vertical-align: top"><A HREF="https://www.sec.gov/Archives/edgar/data/1074871/000121390024014542/ea193897ex3-1_modular.htm">Certificate of Amendment to the Amended and Restated Articles of Incorporation of Modular Medical, Inc., filed with the Secretary of State of the State of Nevada on February 15, 2024</A></TD>
    <TD STYLE="vertical-align: bottom; text-align: center">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: center">8-K</TD>
    <TD STYLE="vertical-align: bottom; text-align: center">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: center">3.1</TD>
    <TD STYLE="vertical-align: bottom; text-align: center">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: center">2/15/2024</TD>
    <TD STYLE="vertical-align: bottom; text-align: center">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: center">&nbsp;</TD></TR>
  <TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; text-align: left">3.4</TD>
    <TD STYLE="vertical-align: bottom; text-align: center">&nbsp;</TD>
    <TD STYLE="vertical-align: top"><A HREF="https://www.sec.gov/Archives/edgar/data/1074871/000101041209000212/ex32amendedbylaws.htm">Amended Bylaws</A></TD>
    <TD STYLE="vertical-align: bottom; text-align: center">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: center">10-K/A</TD>
    <TD STYLE="vertical-align: bottom; text-align: center">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: center">3.2(i)</TD>
    <TD STYLE="vertical-align: bottom; text-align: center">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: center">09/02/2009</TD>
    <TD STYLE="vertical-align: bottom; text-align: center">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: center">&nbsp;</TD></TR>
  <TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: top; text-align: left">4.1</TD>
    <TD STYLE="vertical-align: bottom; text-align: center">&nbsp;</TD>
    <TD STYLE="vertical-align: top"><A HREF="https://www.sec.gov/Archives/edgar/data/1074871/000101905622000320/ex4_1.htm">Form of Indenture</A></TD>
    <TD STYLE="vertical-align: bottom; text-align: center">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: center">S-3</TD>
    <TD STYLE="vertical-align: bottom; text-align: center">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: center">4.1</TD>
    <TD STYLE="vertical-align: bottom; text-align: center">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: center">04/08/2022&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: center">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD></TR>
  <TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; text-align: left">4.2*</TD>
    <TD STYLE="vertical-align: bottom; text-align: center">&nbsp;</TD>
    <TD STYLE="vertical-align: top">Form of Note</TD>
    <TD STYLE="vertical-align: bottom; text-align: center">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: center">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: center">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: center">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: center">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: center">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: center">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: center">&nbsp;</TD></TR>
  <TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: top; text-align: left">4.3*</TD>
    <TD STYLE="vertical-align: bottom; text-align: center">&nbsp;</TD>
    <TD STYLE="vertical-align: top">Form of Warrant</TD>
    <TD STYLE="vertical-align: bottom; text-align: center">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: center">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: center">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: center">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: center">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: center">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: center">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: center">&nbsp;</TD></TR>
  <TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; text-align: left">4.4*</TD>
    <TD STYLE="vertical-align: bottom; text-align: center">&nbsp;</TD>
    <TD STYLE="vertical-align: top">Form of Warrant Agreement</TD>
    <TD STYLE="vertical-align: bottom; text-align: center">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: center">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: center">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: center">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: center">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: center">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: center">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: center">&nbsp;</TD></TR>
  <TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: top; text-align: left">4.5*</TD>
    <TD STYLE="vertical-align: bottom; text-align: center">&nbsp;</TD>
    <TD STYLE="vertical-align: top">Form of Rights Agreement</TD>
    <TD STYLE="vertical-align: bottom; text-align: center">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: center">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: center">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: center">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: center">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: center">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: center">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: center">&nbsp;</TD></TR>
  <TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; text-align: left">4.6*</TD>
    <TD STYLE="vertical-align: bottom; text-align: center">&nbsp;</TD>
    <TD STYLE="vertical-align: top">Form of Unit Agreement</TD>
    <TD STYLE="vertical-align: bottom; text-align: center">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: center">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: center">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: center">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: center">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: center">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: center">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: center">&nbsp;</TD></TR>
  <TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: top; text-align: left">5.1</TD>
    <TD STYLE="vertical-align: bottom; text-align: center">&nbsp;</TD>
    <TD STYLE="vertical-align: top"><A HREF="ea023926701ex5-1_modular.htm">Opinion of Lucosky Brookman LLP</A></TD>
    <TD STYLE="vertical-align: bottom; text-align: center">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: center">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: center">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: center">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: center">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: center">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: center">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: center">X</TD></TR>
  <TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; text-align: left">23.1</TD>
    <TD STYLE="vertical-align: bottom; text-align: center">&nbsp;</TD>
    <TD STYLE="vertical-align: top"><A HREF="ea023926701ex23-1_modular.htm">Consent of Farber Hass Harley LLP, independent registered public accounting firm</A></TD>
    <TD STYLE="vertical-align: bottom; text-align: center">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: center">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: center">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: center">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: center">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: center">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: center">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: center">X</TD></TR>
  <TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: top; text-align: left">23.2</TD>
    <TD STYLE="vertical-align: bottom; text-align: center">&nbsp;</TD>
    <TD STYLE="vertical-align: top"><A HREF="ea023926701ex5-1_modular.htm">Consent of Lucosky Brookman LLP (Included in Exhibit 5.1)</A></TD>
    <TD STYLE="vertical-align: bottom; text-align: center">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: center">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: center">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: center">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: center">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: center">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: center">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: center">X</TD></TR>
  <TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; text-align: left">24.1</TD>
    <TD STYLE="vertical-align: bottom; text-align: center">&nbsp;</TD>
    <TD STYLE="vertical-align: top"><A HREF="#POA_001">Power of Attorney (incorporated by reference to the signature page hereto)</A></TD>
    <TD STYLE="vertical-align: bottom; text-align: center">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: center">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: center">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: center">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: center">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: center">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: center">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: center">X</TD></TR>
  <TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: top; text-align: left">25.1**</TD>
    <TD STYLE="vertical-align: bottom; text-align: center">&nbsp;</TD>
    <TD STYLE="vertical-align: top">Statement of Eligibility of Trustee on Form T-1 under the Trust Indenture Act of 1939, as amended</TD>
    <TD STYLE="vertical-align: bottom; text-align: center">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: center">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: center">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: center">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: center">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: center">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: center">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: center">&nbsp;</TD></TR>
  <TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; text-align: left">107.1</TD>
    <TD STYLE="vertical-align: bottom; text-align: center">&nbsp;</TD>
    <TD STYLE="vertical-align: top"><A HREF="ea023926701ex-fee_modular.htm">Filing Fee Table</A></TD>
    <TD STYLE="vertical-align: bottom; text-align: center">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: center">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: center">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: center">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: center">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: center">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: center">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: center">X</TD></TR>
  </TABLE>


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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse; font-family: Times New Roman, Times, Serif">
  <TR STYLE="vertical-align: top">
    <TD STYLE="font-size: 10pt; text-align: justify; width: 0.25in">*</TD>
    <TD STYLE="font-size: 10pt; text-align: justify">To be filed by amendment or incorporated by reference in connection with the offering of the securities.</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="font-size: 10pt; text-align: justify">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; text-align: justify">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="font-size: 10pt; text-align: justify">**</TD>
    <TD STYLE="font-size: 10pt; text-align: justify">To be filed, if applicable, pursuant to Section 305(b)(2) of the Trust Indenture Act of 1939.</TD></TR>
  </TABLE>

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

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

<!-- Field: Page; Sequence: 38; Value: 1 -->
    <DIV STYLE="margin-top: 12pt; margin-bottom: 6pt; border-bottom: Black 1.5pt solid"><P STYLE="font: normal 10pt Times New Roman, Times, Serif; text-align: center; margin-top: 0pt; margin-bottom: 0pt">II-<!-- Field: Sequence; Type: Arabic; Name: PageNo -->2<!-- Field: /Sequence --></P></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>Item 17. Undertakings</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-left: 0.5in; text-align: justify; margin-top: 0pt; margin-bottom: 0pt"> (a) The undersigned registrant hereby undertakes:</P>



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

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-indent: 0.5in; text-align: justify; margin-top: 0pt; margin-bottom: 0pt"> (1) To file, during any period in which offers or sales are being made, a post-effective amendment to this registration statement:</P>



<P STYLE="text-indent: 0.25in; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-left: 0.75in; text-align: justify; margin-top: 0pt; margin-bottom: 0pt"> (i) To include any prospectus required by section 10(a)(3) of the Securities Act of 1933;</P>



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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.75in">(ii) To reflect in the prospectus
any facts or events arising after the effective date of the registration statement (or the most recent post-effective amendment thereof)
which, individually or in the aggregate, represent a fundamental change in the information set forth in the registration statement. Notwithstanding
the foregoing, any increase or decrease in volume of securities offered (if the total dollar value of securities offered would not exceed
that which was registered) and any deviation from the low or high end of the estimated maximum offering range may be reflected in the
form of prospectus filed with the Commission pursuant to Rule 424(b) if, in the aggregate, the changes in volume and price represent no
more than a 20% change in the maximum aggregate offering price set forth in the &ldquo;Calculation of Registration Fee&rdquo; table in
the effective registration statement; and</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.75in">(iii) To include any material
information with respect to the plan of distribution not previously disclosed in the registration statement or any material change to
such information in the registration statement;</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-indent: 0.5in; text-align: justify; margin-top: 0pt; margin-bottom: 0pt">(2) That, for the purpose
of determining any liability under the Securities Act of 1933, each such post-effective amendment shall be deemed to be a new registration
statement relating to the securities offered therein, and the offering of such securities at that time shall be deemed to be the initial
<I>bona fide</I> offering thereof.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-indent: 0.5in; text-align: justify; margin-top: 0pt; margin-bottom: 0pt">(3) To remove from registration
by means of a post-effective amendment any of the securities being registered which remain unsold at the termination of the offering.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-indent: 0.5in; text-align: justify; margin-top: 0pt; margin-bottom: 0pt">(4) That, for the purpose
of determining liability under the Securities Act of 1933 to any purchaser:</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.75in">(i) Each prospectus filed
by the registrant pursuant to Rule 424(b)(3) shall be deemed to be part of the registration statement as of the date the filed prospectus
was deemed part of and included in the registration statement; and</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.75in">(ii) Each prospectus required
to be filed pursuant to Rule 424(b)(2), (b)(5), or (b)(7) as part of a registration statement in reliance on Rule 430B relating to an
offering made pursuant to Rule 415(a)(1)(i), (vii), or (x) for the purpose of providing the information required by section 10(a) of the
Securities Act of 1933 shall be deemed to be part of and included in the registration statement as of the earlier of the date such form
of prospectus is first used after effectiveness or the date of the first contract of sale of securities in the offering described in the
prospectus. As provided in Rule 430B, for liability purposes of the issuer and any person that is at that date an underwriter, such date
shall be deemed to be a new effective date of the registration statement relating to the securities in the registration statement to which
that prospectus relates, and the offering of such securities at that time shall be deemed to be the initial <I>bona fide</I> offering
thereof. <I>Provided, however,</I> that no statement made in a registration statement or prospectus that is part of the registration statement
or made in a document incorporated or deemed incorporated by reference into the registration statement or prospectus that is part of the
registration statement will, as to a purchaser with a time of contract of sale prior to such effective date, supersede or modify any statement
that was made in the registration statement or prospectus that was part of the registration statement or made in any such document immediately
prior to such effective date.</P>

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

<!-- Field: Page; Sequence: 39; Value: 1 -->
    <DIV STYLE="margin-top: 12pt; margin-bottom: 6pt; border-bottom: Black 1.5pt solid"><P STYLE="font: normal 10pt Times New Roman, Times, Serif; text-align: center; margin-top: 0pt; margin-bottom: 0pt">II-<!-- Field: Sequence; Type: Arabic; Name: PageNo -->3<!-- Field: /Sequence --></P></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-indent: 0.5in; text-align: justify; margin-top: 0pt; margin-bottom: 0pt">(5) That, for the purpose
of determining liability of the registrant under the Securities Act of 1933 to any purchaser in the initial distribution of the securities,
in a primary offering of securities of the undersigned registrant pursuant to this registration statement, regardless of the underwriting
method used to sell the securities to the purchaser, if the securities are offered or sold to such purchaser by means of any of the following
communications, the undersigned registrant will be a seller to the purchaser and will be considered to offer or sell such securities to
such purchaser:</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.75in">(i) Any preliminary prospectus
or prospectus of the undersigned registrant relating to the offering required to be filed pursuant to Rule 424;</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.75in">(ii) Any free writing prospectus
relating to the offering prepared by or on behalf of the undersigned registrant or used or referred to by the undersigned registrant;</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.75in">(iii) The portion of any other
free writing prospectus relating to the offering containing material information about the undersigned registrant or its securities provided
by or on behalf of the undersigned registrant; and</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.75in">(iv) Any other communication
that is an offer in the offering made by the undersigned registrant to the purchaser.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-indent: 0.5in; text-align: justify; margin-top: 0pt; margin-bottom: 0pt">(b) The undersigned registrant
hereby undertakes that, for purposes of determining any liability under the Securities Act of 1933, each filing of the registrant&rsquo;s
annual report pursuant to section 13(a) or section 15(d) of the Securities Exchange Act of 1934 (and, where applicable, each filing of
an employee benefit plan&rsquo;s annual report pursuant to section 15(d) of the Securities Exchange Act of 1934) that is incorporated
by reference in the registration statement shall be deemed to be a new registration statement relating to the securities offered therein,
and the offering of such securities at that time shall be deemed to be the initial <I>bona fide</I> offering thereof.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-indent: 0.5in; text-align: justify; margin-top: 0pt; margin-bottom: 0pt">(c) Insofar as indemnification
for liabilities arising under the Securities Act of 1933 may be permitted to directors, officers and controlling persons of the registrant,
the registrant has been advised that in the opinion of the Securities and Exchange Commission such indemnification is against public policy
as expressed in the Act and is, therefore, unenforceable. In the event that a claim for indemnification against such liabilities (other
than the payment by the registrant of expenses incurred or paid by a director, officer or controlling person of the registrant in the
successful defense of any action, suit or proceeding) is asserted by such director, officer or controlling person in connection with the
securities being registered, the registrant will, unless in the opinion of its counsel the matter has been settled by controlling precedent,
submit to a court of appropriate jurisdiction the question whether such indemnification by it is against public policy as expressed in
the Act and will be governed by the final adjudication of such issue.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-indent: 0.5in; text-align: justify; margin-top: 0pt; margin-bottom: 0pt">(d) The undersigned registrant hereby undertakes to file an application
for the purpose of determining the eligibility of the trustee to act under subsection (a) of Section 310 of the Trust Indenture Act (&ldquo;Act&rdquo;)
in accordance with the rules and regulations prescribed by the Commission under section 305(b)(2) of the Act.</P>

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


<!-- Field: Page; Sequence: 40; Value: 1 -->
    <DIV STYLE="margin-top: 12pt; margin-bottom: 6pt; border-bottom: Black 1.5pt solid"><P STYLE="font: normal 10pt Times New Roman, Times, Serif; text-align: center; margin-top: 0pt; margin-bottom: 0pt">II-<!-- Field: Sequence; Type: Arabic; Name: PageNo -->4<!-- Field: /Sequence --></P></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><A NAME="POA_001"></A><B>SIGNATURES</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Pursuant to the requirements
of the Securities Act of 1933, as amended, the registrant certifies that it has reasonable grounds to believe that it meets all of the
requirements for filing on Form S-3 and has duly caused this registration statement to be signed on its behalf by the undersigned, thereunto
duly authorized, thereto duly authorized, in the City of San Diego, State of California, on May 15, 2025.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 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>&nbsp;</TD>
    <TD COLSPAN="2"><B>Modular Medical, Inc.</B></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 60%">&nbsp;</TD>
    <TD STYLE="width: 4%">&nbsp;</TD>
    <TD STYLE="width: 36%">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>By:</TD>
    <TD STYLE="border-bottom: Black 1.5pt solid"><I>/s/ James E. Besser</I></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;&nbsp;</TD>
    <TD>James E. Besser</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>Chief Executive Officer</TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.25in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">KNOW ALL PERSONS BY THESE PRESENTS that each of the undersigned directors
and officers of Modular Medical, Inc. hereby appoints James E. Besser, as his or her true and lawful attorney-in-fact and agent, for him
or her and in his or her name, place and stead, with full power to act alone, to sign on his or her behalf and in the capacity set forth
below, any and all amendments and post-effective amendments and supplements to this Registration Statement on Form S-3 and to file each
such amendment and post-effective amendment and supplements to this Registration Statement, with all exhibits thereto, and any and all
other documents in connection therewith, with the Securities and Exchange Commission, hereby granting unto said attorney-in-fact and agent
full power and authority to do and perform any and all acts and things requisite and necessary or appropriate to be done in and about
the premises as fully to all intents and purposes as he or she might or could do in person, hereby ratifying and confirming all that said
attorney-in-fact and agent may lawfully do or cause to be done by virtue hereof.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.25in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Pursuant to the requirements of the Securities Act of 1933, as amended, this Registration Statement has been signed by
the following persons in the capacities and on the dates indicated.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 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: bottom">
    <TD STYLE="width: 30%; border-bottom: black 1.5pt solid"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Signature</B></FONT></TD>
    <TD STYLE="width: 1%; text-align: center">&nbsp;</TD>
    <TD STYLE="width: 50%; border-bottom: black 1.5pt solid; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Title</B></FONT></TD>
    <TD STYLE="width: 1%; text-align: center">&nbsp;</TD>
    <TD STYLE="width: 18%; border-bottom: black 1.5pt solid; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Date</B></FONT></TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: center">&nbsp;</TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom; border-bottom: black 1.5pt solid"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><I>/s/ James E. Besser</I></FONT></TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Chief Executive Officer </FONT></TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">May 15, 2025</FONT></TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">James E. Besser </FONT></TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(Principal Executive Officer)</FONT></TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: center">&nbsp;</TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: center">&nbsp;</TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom; border-bottom: black 1.5pt solid"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><I>/s/ Paul DiPerna</I></FONT></TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Chairman, President, Chief Financial Officer and Treasurer</FONT></TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">May 15, 2025</FONT></TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Paul DiPerna</FONT></TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(Principal Financial and Accounting Officer)</FONT></TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: center">&nbsp;</TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: center">&nbsp;</TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom; border-bottom: black 1.5pt solid"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><I>/s/ Duane DeSisto</I></FONT></TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Director</FONT></TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">May 15, 2025</FONT></TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Duane DeSisto</FONT></TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: center">&nbsp;</TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: center">&nbsp;</TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom; border-bottom: black 1.5pt solid"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><I>/s/ Steven Felsher</I></FONT></TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Director</FONT></TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">May 15, 2025</FONT></TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Steven Felsher</FONT></TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: center">&nbsp;</TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: center">&nbsp;</TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom; border-bottom: black 1.5pt solid"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><I>/s/ Morgan C. Frank</I></FONT></TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Director</FONT></TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">May 15, 2025</FONT></TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Morgan C. Frank</FONT></TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: center">&nbsp;</TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: center">&nbsp;</TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom; border-bottom: black 1.5pt solid"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><I>/s/ Philip Sheibley</I></FONT></TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Director</FONT></TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">May 15, 2025</FONT></TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Philip Sheibley</FONT></TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: center">&nbsp;</TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: center">&nbsp;</TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom; border-bottom: black 1.5pt solid"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><I>/s/ Carmen Volkart</I></FONT></TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Director</FONT></TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">May 15, 2025</FONT></TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Carmen Volkart</FONT></TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: center">&nbsp;</TD></TR>
  </TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 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: 30%; border-bottom: black 1.5pt solid"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><I>/s/ Ellen O&rsquo;Connor Vos</I></FONT></TD>
    <TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="width: 50%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Director</FONT></TD>
    <TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="width: 18%; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">May 15, 2025</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Ellen O&rsquo;Connor Vos</FONT></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: center">&nbsp;</TD></TR>
  </TABLE>

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


<!-- Field: Page; Sequence: 41; Options: Last -->
    <DIV STYLE="margin-top: 12pt; margin-bottom: 6pt; border-bottom: Black 1.5pt solid"><P STYLE="font: normal 10pt Times New Roman, Times, Serif; text-align: center; margin-top: 0pt; margin-bottom: 0pt">II-<!-- Field: Sequence; Type: Arabic; Name: PageNo -->5<!-- Field: /Sequence --></P></DIV>
    <!-- Field: /Page -->


</BODY>
</HTML>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-5.1
<SEQUENCE>2
<FILENAME>ea023926701ex5-1_modular.htm
<DESCRIPTION>OPINION OF LUCOSKY BROOKMAN LLP
<TEXT>
<HTML>
<HEAD>
     <TITLE></TITLE>
</HEAD>
<BODY STYLE="font: 10pt Times New Roman, Times, Serif">

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right"><B>Exhibit 5.1</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><IMG SRC="ex5-1_001.jpg" ALT="">&nbsp;</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">May 15, 2025</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Modular Medical, Inc.&#9;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">10740 Thornmint Road</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">San Diego, California 92127</P>

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 0.5in"><B>RE:</B></TD>
    <TD STYLE="font-size: 10pt"><B>Registration Statement on Form S-3</B></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  </TABLE>

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

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">We are acting as counsel for Modular Medical,
Inc., a Nevada corporation (the &ldquo;<U>Company</U>&rdquo;), in connection with the Registration Statement on Form S-3 (such Registration
Statement, as amended from time to time, is herein referred to as the &ldquo;<U>Registration Statement</U>&rdquo;), filed by the Company
with the Securities and Exchange Commission (the &ldquo;<U>Commission</U>&rdquo;) under the Securities Act of 1933, as amended (the &ldquo;<U>Securities
Act</U>&rdquo;), on the date hereof, relating to the registration of the proposed public offering from time to time of up to $75,000,000
of the securities described below. The Registration Statement includes two prospectuses: (i) a base prospectus, covering the offering
and sale, from time to time, of up to $75,000,000 in aggregate amount of one or more of the Company&rsquo;s Securities (as defined below)
(the &ldquo;<U>Base Prospectus</U>&rdquo;) and (ii) a sales agreement prospectus (the &ldquo;<U>Sales Agreement Prospectus</U>&rdquo;)
covering the offer and sale of shares of common stock of the Company, par value $0.001 per share, having an aggregate offering price of
up to $7,200,000 (the &ldquo;<U>Common Stock</U>&rdquo;) that may be sold pursuant to that certain at the market offering agreement, dated
November 22, 2023, by and between the Company and Leerink Partners LLC (such agreement, the &ldquo;<U>Sales Agreement</U>,&rdquo; and
such shares, the &ldquo;<U>Placement Shares</U>&rdquo;). The Base Prospectus provides it will be supplemented in the future by one or
more prospectus supplements (each, a &ldquo;<U>Prospectus Supplement</U>&rdquo;). The Registration Statement, including the Base Prospectus
(as supplemented from time to time by one or more Prospectus Supplements) and the Sales Agreement Prospectus will provide for the registration
by the Company of:</P>

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 0.25in">&nbsp;</TD>
    <TD STYLE="width: 0.25in; font-size: 10pt">&#9679;</TD>
    <TD STYLE="font-size: 10pt; text-align: justify">shares of Common Stock of the Company issuable directly (the &ldquo;<U>Base Prospectus Shares</U>&rdquo;);</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; text-align: justify">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="font-size: 10pt">&#9679;</TD>
    <TD STYLE="font-size: 10pt">shares of preferred stock, par value $0.001 per share (the &ldquo;<U>Preferred Stock</U>&rdquo;), of the Company issuable directly;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="font-size: 10pt">&#9679;</TD>
    <TD STYLE="font-size: 10pt; text-align: justify">debt securities of the Company (the &ldquo;<U>Debt Securities</U>&rdquo;);</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; text-align: justify">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="font-size: 10pt">&#9679;</TD>
    <TD STYLE="font-size: 10pt">warrants of the Company (the &ldquo;<U>Warrants</U>&rdquo;) entitling the holders to purchase shares of Common Stock, shares of Preferred Stock, or other securities of the Company;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="font-size: 10pt">&#9679;</TD>
    <TD STYLE="font-size: 10pt; text-align: justify">debt securities of the Company (the &ldquo;<U>Debt Securities</U>&rdquo;);</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; text-align: justify">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="font-size: 10pt">&#9679;</TD>
    <TD STYLE="font-size: 10pt">units (the &ldquo;<U>Units</U>&rdquo;) comprised of any combination of other Securities offered in the Registration Statement; and</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="font-size: 10pt">&#9679;</TD>
    <TD STYLE="font-size: 10pt; text-align: justify">the Placement Shares (and, together with the Base Prospectus Shares, the Preferred Stock, the Debt Securities, the Warrants, the Units, and any Base Prospectus Shares or Preferred Stock that may be issued upon exercise, conversion or exchange pursuant to the terms of any the foregoing securities, the &ldquo;<U>Securities</U>&rdquo;).</TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

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

<!-- Field: Page; Sequence: 1 -->
    <DIV STYLE="margin-top: 12pt; margin-bottom: 6pt; border-bottom: Black 1.5pt solid"><P STYLE="text-align: center; margin-top: 0pt; margin-bottom: 0pt">&nbsp;</P></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="text-align: center; margin-top: 0pt; margin-bottom: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">The Shares (including the Base Prospectus Shares
and the Placement Shares) are to be issued under the Amended and Restated Certificate of Incorporation of the Company, as amended (the
&ldquo;<U>Certificate of Incorporation</U>&rdquo;). Each series of Preferred Stock is to be issued under the Certificate of Incorporation
and a certificate of designation (a &ldquo;<U>Certificate of Designation</U>&rdquo;) to be approved by the board of directors of the Company
(the &ldquo;<U>Board of Directors</U>&rdquo;) or a committee thereof and filed with the Secretary of State of the State of Nevada (the
&ldquo;<U>Nevada Secretary of State</U>&rdquo;). The Debt Securities may be issued pursuant to a senior debt indenture (the &ldquo;<U>Senior
Debt Indenture</U>&rdquo;) between the Company and the trustee to be named therein (the &ldquo;<U>Senior Debt Trustee</U>&rdquo;) and
a subordinated debt indenture (the &ldquo;<U>Subordinated Debt Indenture</U>,&rdquo; and together with the Senior Debt Indenture, the
&ldquo;<U>Indentures</U>&rdquo;) between the Company and the trustee to be named therein (the &ldquo;<U>Subordinated Debt Trustee</U>&rdquo;
and, together with the Senior Debt Trustee, the &ldquo;<U>Trustees</U>&rdquo;). The Warrants are to be issued under one or more warrant
agreements in a form to be filed and incorporated into the Registration Statement, with appropriate insertions (each, a &ldquo;<U>Warrant
Agreement</U>&rdquo;), to be entered into by the Company, a warrant agent to be named by the Company (the &ldquo;<U>Warrant Agent</U>&rdquo;),
and the holders from time to time of the Warrants. The Units are to be issued under one or more unit agreements in a form to be filed
and incorporated into the Registration Statement, with appropriate insertions (each, a &ldquo;<U>Unit Agreement</U>&rdquo;), to be entered
into by the Company and the unit agent named therein. The Certificate of Incorporation, each Certificate of Designation, each Warrant
Agreement, and each Unit Agreement are referred to herein individually as a &ldquo;<U>Governing Document</U>&rdquo; and collectively as
the &ldquo;<U>Governing Documents</U>.&rdquo;</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">As part of the corporate actions taken and to
be taken in connection with issuance of any Securities to be issued and sold from time to time under the Registration Statement, the Board
of Directors, a committee thereof or certain authorized officers of the Company as authorized by the Board of Directors will, before such
Securities are issued under the Registration Statement, duly authorize the issuance and approve the terms of such Securities (the &ldquo;<U>Corporate
Proceedings</U>&rdquo;).</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">This opinion is being furnished in connection
with the requirements of Item 601(b)(5) of Regulation S-K under the Securities Act, and no opinion is expressed herein as to any matter
pertaining to the contents of the Registration Statement, the Base Prospectus, the Sales Agreement Prospectus, or any Prospectus Supplement
other than as expressly stated herein with respect to the issue of the Securities. It is understood that the opinions set forth below
are to be used only in connection with the offer while the Registration Statement is in effect.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">In our capacity as your counsel in connection
with such registration, we have reviewed and are familiar with such documents, certificates, Corporate Proceedings and other materials,
including an examination of originals or copies certified or otherwise identified to our satisfaction of the Certificate of Incorporation
and By-laws of the Company, Governing Documents and the Registration Statement (collectively, the &ldquo;<U>Constituent Documents</U>&rdquo;),
and have reviewed such questions of law, as we have considered relevant or necessary as a basis for this opinion.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">In our examination, we have assumed the genuineness
of all signatures, the authenticity of all documents submitted to us as originals, and the conformity to authentic original documents
of all documents submitted to us as copies. For purposes of this opinion, we have assumed that proper proceedings in connection with the
authorization and issuance or sale of the Securities will be timely and properly completed, in accordance with all requirements of applicable
federal laws and Chapter 78 of the Nevada Revised Statutes (the &ldquo;<U>NRS</U>&rdquo;) and, in the manner presently proposed. We have
assumed and have not verified the accuracy of the factual matters of each document we have reviewed.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">As to facts material to the opinions, statements
and assumptions expressed herein, we have, with your consent, relied upon oral or written statements and representations of officers and
other representatives of the Company and others. We have specifically relied upon the certification of an officer of the Company signed
on even date herewith. In addition, we have obtained and relied upon such certificates and assurances from public officials as we have
deemed necessary.</P>

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

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

<!-- Field: Page; Sequence: 2; Options: NewSection; Value: 2 -->
    <DIV STYLE="margin-top: 12pt; margin-bottom: 6pt; border-bottom: Black 1.5pt solid"><P STYLE="font: normal 10pt Times New Roman, Times, Serif; text-align: center; margin-top: 0pt; margin-bottom: 0pt"><!-- Field: Sequence; Type: Arabic; Name: PageNo -->2<!-- Field: /Sequence --></P></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="text-align: center; margin-top: 0pt; margin-bottom: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">With respect to the Securities to be offered and
sold by the Company, we have also assumed that (a) the Registration Statement shall have become and remain effective under the Securities
Act, a Prospectus Supplement shall have been prepared and filed with the Commission describing the Securities, and such Securities shall
have been issued and sold in accordance with the terms set forth in such Prospectus Supplement; (b) such Securities, as issued and delivered,
comply with any requirements and restrictions imposed by any court or governmental or regulatory body applicable to the Company; (c) at
the time of any offering or sale of any Securities, there shall be a sufficient number of shares of Common Stock or Preferred Stock, authorized
and unissued under the Certificate, and not otherwise reserved for issuance, except in connection with the issuance of the Securities;
(d) at the time of issuance or sale of the Securities, the Company shall validly exist and shall be in good standing under the laws of
the State of Nevada, and, in the case of Securities, the Company shall have the necessary corporate power for such issuance; (e) any definitive
purchase, underwriting or similar agreement with respect to any Securities, if applicable, shall have been duly authorized, executed and
delivered by the parties thereto and shall constitute legally valid and binding obligations of the parties thereto, enforceable against
each of them in accordance with their respective terms, at the time of issuance of the applicable Securities; (f) certificates representing
the Securities, if any, shall have been duly executed, countersigned, registered and delivered, or if uncertificated, valid book-entry
notations shall have been made in the share or other register of the Company, in each case in accordance with the Constituent Documents,
and in the manner contemplated by the Registration Statement and/or the applicable Prospectus Supplement, against payment therefor in
an amount not less than the par value thereof, or such other consideration determined by the Board of Directors, or an authorized committee
thereof, as permitted under the NRS, in accordance with the provisions of any applicable definitive purchase agreement, underwriting agreement,
or similar agreement approved by the Company; and (g) the Constituent Documents shall be in full force and effect and shall not have been
amended, restated, supplemented or otherwise altered, and there shall be no authorization of any such amendment, restatement, supplement
or alteration, in each case since the date hereof.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Subject to the foregoing and the other matters
set forth herein, it is our opinion that as of the date hereof:</P>

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 0.25in; padding: 0.75pt; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="width: 0.25in; padding: 0.75pt; font-size: 10pt">1.</TD>
    <TD STYLE="padding: 0.75pt; font-size: 10pt; text-align: justify">With respect to the Base Prospectus Shares, upon (a) the completion of all required Corporate Proceedings with respect to the issuance of such Base Prospectus Shares, (b) the due execution, registration of issuance and delivery of certificates representing such Base Prospectus Shares against payment of the purchase price therefor in accordance with the applicable purchase, underwriting or other agreement, and as contemplated by the Registration Statement, and (c) receipt by the Company of the consideration therefor, such Base Prospectus Shares will be duly and validly issued, fully paid and nonassessable. The Base Prospectus Shares covered in the opinion in this paragraph include any Shares that may be issued upon exercise, conversion or exchange pursuant to the terms of any other Securities.</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 0.75pt">&nbsp;</TD>
    <TD STYLE="padding: 0.75pt">&nbsp;</TD>
    <TD STYLE="padding: 0.75pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 0.75pt">&nbsp;</TD>
    <TD STYLE="padding: 0.75pt; font-size: 10pt">2.</TD>
    <TD STYLE="padding: 0.75pt; font-size: 10pt; text-align: justify">With respect to any Preferred Stock, upon (a) the completion of all required Corporate Proceedings with respect to the issuance and terms of such Preferred Stock, (b) the due authorization, execution, acknowledgment, delivery and filing with, and recording by, the Nevada Secretary of State of a Certificate of Designation in respect of such Preferred Stock, (c) the due execution, registration of issuance and delivery of certificates representing such Preferred Stock against payment of the purchase price therefor in accordance with the applicable purchase, underwriting or other agreement, and as contemplated by the Registration Statement, and (d) receipt by the Company of the consideration therefor, such Preferred Stock will be duly and validly issued, fully paid and nonassessable. The Preferred Stock covered in the opinion in this paragraph includes any shares of Preferred Stock that may be issued upon exercise, conversion or exchange pursuant to the terms of any other Securities.</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 0.75pt">&nbsp;</TD>
    <TD STYLE="padding: 0.75pt">&nbsp;</TD>
    <TD STYLE="padding: 0.75pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 0.75pt">&nbsp;</TD>
    <TD STYLE="padding: 0.75pt; font-size: 10pt">3.</TD>
    <TD STYLE="padding: 0.75pt; font-size: 10pt; text-align: justify">With respect to any Debt Securities, upon (a) the completion of all required Corporate Proceedings with respect to the issuance of such Debt Securities, (b) the due execution, registration of issuance and delivery of the Debt Securities and the applicable Indenture relating to the Debt Securities representing such Debt Securities against payment of the purchase price therefor in accordance with the applicable purchase, underwriting or other agreement, and as contemplated by the Registration Statement, and (c) receipt by the Company of the consideration therefor, such Debt Securities will constitute valid and binding obligations of the Company.</TD></TR>
  </TABLE>
<P STYLE="text-align: center; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt">&nbsp;</P>

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

<!-- Field: Page; Sequence: 3; Value: 2 -->
    <DIV STYLE="margin-top: 12pt; margin-bottom: 6pt; border-bottom: Black 1.5pt solid"><P STYLE="font: normal 10pt Times New Roman, Times, Serif; text-align: center; margin-top: 0pt; margin-bottom: 0pt"><!-- Field: Sequence; Type: Arabic; Name: PageNo -->3<!-- Field: /Sequence --></P></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="text-align: center; margin-top: 0pt; margin-bottom: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center; margin-top: 0pt; margin-bottom: 0pt">&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: 27px; padding: 0.75pt">&nbsp;</TD>
    <TD STYLE="width: 27px; padding: 0.75pt; font-size: 10pt">4.</TD>
    <TD STYLE="padding: 0.75pt; font-size: 10pt; text-align: justify">With respect to any Warrants, upon (a) the completion of all required Corporate Proceedings relating to the terms and issuance of the Warrants, (b) the due authorization, execution and delivery of a Warrant Agreement, (c) the preparation and due execution and delivery of the related Warrants against payment of the purchase price therefor in accordance with the applicable purchase, underwriting or other agreement, and as contemplated by the Registration Statement, (d) the due authentication of the related Warrants by the Warrant Agent, and (e) receipt by the Company of the consideration therefor, such Warrants will be valid and binding obligations of the Company. The Warrants covered in the opinion in this paragraph includes any Warrants that may be issued upon exercise, conversion or exchange pursuant to the terms of any other Securities.</TD></TR>
</TABLE>

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 0.75pt; width: 27px">&nbsp;</TD>
    <TD STYLE="padding: 0.75pt; font-size: 10pt; width: 27px">5.</TD>
    <TD STYLE="padding: 0.75pt; font-size: 10pt; text-align: justify">With respect to any Units, upon (a) the completion of all required Corporate Proceedings relating to the terms and issuance of the Units, (b) the due authorization, execution and delivery of a Unit Agreement against payment of the purchase price therefor in accordance with the applicable purchase, underwriting or other agreement, and as contemplated by the Registration Statement, (c) the Securities underlying such Units having been deposited with the applicable unit agent, and (d) receipt by the Company of the consideration therefor such Unit Agreement will be a valid and binding obligation of the Company and the Units will be valid and binding obligations of the Company. The Units covered in the opinion in this paragraph includes any Units that may be issued upon exercise, conversion or exchange pursuant to the terms of any other Securities.</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 0.75pt">&nbsp;</TD>
    <TD STYLE="padding: 0.75pt; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="padding: 0.75pt; font-size: 10pt; text-align: justify">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 0.75pt; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="padding: 0.75pt; font-size: 10pt">6.</TD>
    <TD STYLE="text-align: justify; padding: 0.75pt">With respect to the Placement Shares, upon (a) the completion of all required Corporate Proceedings with respect to the issuance of such Placement Shares, (b) the due execution, registration of issuance and delivery of certificates representing such Placement Shares against payment of the purchase price therefor in accordance with the Sales Agreement, and as contemplated by the Sales Agreement Prospectus, and (c) receipt by the Company of the consideration therefor, such Placement Shares will be duly and validly issued, fully paid and nonassessable. &nbsp;</TD></TR>
  </TABLE>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">The opinions set forth above are subject to the
following exceptions, limitations and qualifications: (i) the effect of bankruptcy, insolvency, reorganization, fraudulent conveyance,
moratorium or other similar laws now or hereafter in effect relating to or affecting the rights and remedies of creditors; (ii) the effect
of general principles of equity, including without limitation, concepts of materiality, reasonableness, good faith and fair dealing and
the possible unavailability of specific performance or injunctive relief, regardless of whether enforcement is considered in a proceeding
in equity or at law, and the discretion of the court before which any proceeding therefor may be brought; (iii) the unenforceability under
certain circumstances under law or court decisions of provision providing for the indemnification of, or contribution to, a party with
respect to liability where such indemnification or contribution is contrary to public policy. We express no opinion concerning the enforceability
of any waiver of rights or defenses with respect to stay, extension or usury laws. Our opinion expressed herein is also subject to the
qualification that no term or provision hereof shall be included in: (a) the Certificate of Designation relating to any series of the
Preferred Stock, (b) the Indenture, (c) the Warrant Agreement, (d) the Unit Agreement, (e) the Sales Agreement or (f) any other agreement
or instrument pursuant to which any of the Securities are to be issued that would affect the validity of such opinion.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Our opinion is limited to the federal laws of
the United States and Chapter 78 of the Nevada Revised Statutes. We express no opinion as to the effect of the law of any other jurisdiction.
Our opinion is rendered as of the date hereof, and we assume no obligation to advise you of changes in law or fact (or the effect thereof
on the opinions expressed herein) that hereafter may come to our attention.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">We hereby consent to the filing of this opinion
as Exhibit 5.1 to the Registration Statement and to the reference to our firm under the caption &ldquo;Legal Matters&rdquo; in the Registration
Statement. In so doing, we do not admit that we are in the category of persons whose consent is required under Section 7 of the Securities
Act and the rules and regulations of the Commission promulgated thereunder.</P>

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

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

<!-- Field: Page; Sequence: 4; Value: 2 -->
    <DIV STYLE="margin-top: 12pt; margin-bottom: 6pt; border-bottom: Black 1.5pt solid"><P STYLE="font: normal 10pt Times New Roman, Times, Serif; text-align: center; margin-top: 0pt; margin-bottom: 0pt"><!-- Field: Sequence; Type: Arabic; Name: PageNo -->4<!-- Field: /Sequence --></P></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="text-align: center; margin-top: 0pt; margin-bottom: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">In connection with this opinion, we have examined
the originals or copies certified or otherwise identified to our satisfaction of the following: (a) Articles of Incorporation of the Company,
as amended to date, (b) Bylaws of the Company, as amended to date, and (c) the Registration Statement and all exhibits thereto. In addition
to the foregoing, we also have relied as to matters of fact upon the representations made by the Company and its representatives and we
have assumed the genuineness of all signatures, the authenticity of all documents submitted to us as originals, and the conformity to
original documents of all documents submitted to us certified or photostatic copies.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Based upon the foregoing and in reliance thereon,
and subject to the qualifications, limitations, exceptions and assumptions set forth herein, we are of the opinion that, when issued and
sold in exchange for payment in full to the Company of all consideration required therefor as applicable, and as described in the Registration
Statement, the Common Shares will be validly issued, fully paid and non-assessable.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Our opinion is limited to the federal laws of
the United States and Chapter 78 of the Nevada Revised Statutes. We express no opinion as to the effect of the law of any other jurisdiction.
Our opinion is rendered as of the date hereof, and we assume no obligation to advise you of changes in law or fact (or the effect thereof
on the opinions expressed herein) that hereafter may come to our attention. This opinion letter is limited to the laws in effect as of
the date the Registration Statement is declared effective by the Commission and is provided exclusively in connection with the public
offering contemplated by the Registration Statement.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Our opinion letter is expressly limited to the
matters set forth above, and we render no opinion, whether by implication or otherwise, as to any other matters relating to the Company,
the Common Shares or the agreements and instruments addressed herein, or in the Registration Statement. This opinion is based upon currently
existing statutes, regulations, rules and judicial decisions, and we disclaim any obligation to advise you of any change in any of these
sources of law or subsequent legal or factual developments which might affect any matters or opinions set forth herein.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">This opinion letter is furnished in connection
with the filing of the Registration Statement and may not be relied upon for any other purpose without our prior written consent in each
instance. Further, no portion of this letter may be quoted, circulated or referred to in any other document for any other purpose without
our prior written consent.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">We hereby consent to the filing of this opinion
with the Commission as an exhibit to the Registration Statement and to the use of our name as it appears in the Base Prospectus and Sales
Agreement Prospectus included in the Registration Statement. In giving such consent, we do not thereby admit that we come within the category
of persons whose consent is required under Section 7 of the Securities Act or the rules and regulations of the Commission promulgated
thereunder. This opinion is expressed as of the date hereof unless otherwise expressly stated, and we disclaim any undertaking to advise
you of any subsequent changes in the facts stated or assumed herein or of any subsequent changes in applicable laws.</P>

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 60%; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="width: 40%; font-size: 10pt">Very Truly Yours,</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt solid; padding-bottom: 1.4pt; font-size: 10pt">/s/<I>Lucosky Brookman LLP</I></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="font-size: 10pt">Lucosky Brookman LLP</TD></TR>
  </TABLE>
<P STYLE="text-align: center; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt">&nbsp;</P>

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

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

<!-- Field: Rule-Page --><DIV STYLE="margin-top: 0pt; margin-bottom: 0pt; width: 100%"><DIV STYLE="font-size: 1pt; border-top: Black 1.5pt solid">&nbsp;</DIV></DIV><!-- Field: /Rule-Page -->

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

</BODY>
</HTML>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-23.1
<SEQUENCE>3
<FILENAME>ea023926701ex23-1_modular.htm
<DESCRIPTION>CONSENT OF FARBER HASS HARLEY LLP, INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM
<TEXT>
<HTML>
<HEAD>
     <TITLE></TITLE>
</HEAD>
<BODY STYLE="font: 10pt Times New Roman, Times, Serif">

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right"><B>Exhibit 23.1</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>CONSENT OF INDEPENDENT REGISTERED PUBLIC ACCOUNTING
FIRM</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">We consent to the incorporation by reference in this Registration Statement
on Form S-3 of our report dated June 21, 2024, with respect to the consolidated balance sheets of Modular Medical, Inc. as of March 31,
2024 and 2023 and the related consolidated statements of operations, stockholders&rsquo; equity, and cash flows for the years then ended.
Our report dated June 21, 2024, relating to those consolidated financial statements, includes an emphasis of matter paragraph relating
to uncertainty as to Modular Medical, Inc.&rsquo;s ability to continue as a going concern. We also consent to the reference to us under
the heading &ldquo;Experts&rdquo; in such Registration Statement.</P>

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

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

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

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

<P STYLE="margin: 0pt 0; font: 10pt Times New Roman, Times, Serif">May 15, 2025</P>

</BODY>
</HTML>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-FILING FEES
<SEQUENCE>4
<FILENAME>ea023926701ex-fee_modular.htm
<DESCRIPTION>FILING FEE TABLE
<TEXT>
<HTML>
<HEAD>
     <TITLE></TITLE>
</HEAD>
<BODY STYLE="font: 10pt Times New Roman, Times, Serif">

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right"><B>Exhibit 107.1</B></P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B><U>Form S-3</U></B></P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">(Exact Name of Registrant as Specified in its Charter)</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><U>Table 1: Newly Registered and Carry Forward
Securities</U></P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 8pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%">
  <TR STYLE="font: 8pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: normal 8pt Times New Roman, Times, Serif; vertical-align: bottom; padding-left: 0.125in; padding-bottom: 1.5pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt"><B>&nbsp;</B></FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif; vertical-align: bottom; padding-bottom: 1.5pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt"><B>&nbsp;</B></FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt solid; font: normal 8pt Times New Roman, Times, Serif; vertical-align: bottom; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt"><B>Security<BR>
    Type</B></FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif; vertical-align: bottom; padding-bottom: 1.5pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt"><B>&nbsp;</B></FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt solid; font: normal 8pt Times New Roman, Times, Serif; vertical-align: bottom; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt"><B>Security<BR>
    Class<BR> Title</B></FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif; vertical-align: bottom; padding-bottom: 1.5pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt"><B>&nbsp;</B></FONT></TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1.5pt solid; font: normal 8pt Times New Roman, Times, Serif; vertical-align: bottom; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt"><B>Fee<BR>
    Calculation<BR> or Carry<BR> Forward<BR> Rule</B></FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif; vertical-align: bottom; padding-bottom: 1.5pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt"><B>&nbsp;</B></FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif; vertical-align: bottom; padding-bottom: 1.5pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt"><B>&nbsp;</B></FONT></TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1.5pt solid; font: normal 8pt Times New Roman, Times, Serif; vertical-align: bottom; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt"><B>Amount<BR>
    Registered</B></FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif; vertical-align: bottom; padding-bottom: 1.5pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt"><B>&nbsp;</B></FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif; vertical-align: bottom; padding-bottom: 1.5pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt"><B>&nbsp;</B></FONT></TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1.5pt solid; font: normal 8pt Times New Roman, Times, Serif; vertical-align: bottom; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt"><B>Proposed<BR>
    Maximum<BR> Offering<BR> Price Per<BR> Unit</B></FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif; vertical-align: bottom; padding-bottom: 1.5pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt"><B>&nbsp;</B></FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif; vertical-align: bottom; padding-bottom: 1.5pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt"><B>&nbsp;</B></FONT></TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1.5pt solid; font: normal 8pt Times New Roman, Times, Serif; vertical-align: bottom; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt"><B>Maximum<BR>
    Aggregate<BR> Offering<BR> Price</B></FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif; vertical-align: bottom; padding-bottom: 1.5pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt"><B>&nbsp;</B></FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif; vertical-align: bottom; padding-bottom: 1.5pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt"><B>&nbsp;</B></FONT></TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1.5pt solid; font: normal 8pt Times New Roman, Times, Serif; vertical-align: bottom; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt"><B>Fee<BR>
    Rate</B></FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif; vertical-align: bottom; padding-bottom: 1.5pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt"><B>&nbsp;</B></FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif; vertical-align: bottom; padding-bottom: 1.5pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt"><B>&nbsp;</B></FONT></TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1.5pt solid; font: normal 8pt Times New Roman, Times, Serif; vertical-align: bottom; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt"><B>Amount
    of<BR> Registration<BR> Fee</B></FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif; vertical-align: bottom; padding-bottom: 1.5pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt"><B>&nbsp;</B></FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif; vertical-align: bottom; padding-bottom: 1.5pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt"><B>&nbsp;</B></FONT></TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1.5pt solid; font: normal 8pt Times New Roman, Times, Serif; vertical-align: bottom; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt"><B>Carry<BR>
    Forward<BR> Form<BR> Type</B></FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif; vertical-align: bottom; padding-bottom: 1.5pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt"><B>&nbsp;</B></FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif; vertical-align: bottom; padding-bottom: 1.5pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt"><B>&nbsp;</B></FONT></TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1.5pt solid; font: normal 8pt Times New Roman, Times, Serif; vertical-align: bottom; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt"><B>Carry<BR>
    Forward <BR> File<BR> Number</B></FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif; vertical-align: bottom; padding-bottom: 1.5pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt"><B>&nbsp;</B></FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif; vertical-align: bottom; padding-bottom: 1.5pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt"><B>&nbsp;</B></FONT></TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1.5pt solid; font: normal 8pt Times New Roman, Times, Serif; vertical-align: bottom; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt"><B>Carry<BR>
    Forward<BR> Initial<BR> Effective<BR> date</B></FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif; vertical-align: bottom; padding-bottom: 1.5pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt"><B>&nbsp;</B></FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif; vertical-align: bottom; padding-bottom: 1.5pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt"><B>&nbsp;</B></FONT></TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1.5pt solid; font: normal 8pt Times New Roman, Times, Serif; vertical-align: bottom; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt"><B>Filing
    Fee<BR> Previously<BR> Paid In<BR> Connection<BR> with Unsold<BR> Securities to<BR> be Carried<BR> Forward</B></FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif; vertical-align: bottom; padding-bottom: 1.5pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt"><B>&nbsp;</B></FONT></TD></TR>
  <TR STYLE="font: 8pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD COLSPAN="45" STYLE="font: normal 8pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">Newly
    Registered Securities</FONT></TD></TR>
  <TR STYLE="font: 8pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font: normal 8pt Times New Roman, Times, Serif; text-indent: -0.125in; padding-left: 0.125in; text-align: left; width: 12%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">Fees
    to Be Paid</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif; width: 0.5%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD>
    <TD STYLE="font: normal 8pt Times New Roman, Times, Serif; vertical-align: top; width: 6%; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&mdash;</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif; width: 0.5%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD>
    <TD STYLE="font: normal 8pt Times New Roman, Times, Serif; vertical-align: top; width: 6%; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&mdash;</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif; width: 0.5%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD>
    <TD STYLE="font: normal 8pt Times New Roman, Times, Serif; width: 0.5%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif; vertical-align: top; width: 6%; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&mdash;</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif; width: 0.5%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif; width: 0.5%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD>
    <TD STYLE="font: normal 8pt Times New Roman, Times, Serif; width: 0.5%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif; width: 6%; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&mdash;</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif; width: 0.5%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif; width: 0.5%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD>
    <TD STYLE="font: normal 8pt Times New Roman, Times, Serif; width: 0.5%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif; width: 6%; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&mdash;</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif; width: 0.5%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif; width: 0.5%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD>
    <TD STYLE="font: normal 8pt Times New Roman, Times, Serif; width: 0.5%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif; width: 6%; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&mdash;</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif; width: 0.5%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif; width: 0.5%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD>
    <TD STYLE="font: normal 8pt Times New Roman, Times, Serif; width: 0.5%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif; width: 6%; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&mdash;</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif; width: 0.5%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif; width: 0.5%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD>
    <TD STYLE="font: normal 8pt Times New Roman, Times, Serif; width: 0.5%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif; width: 6%; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&mdash;</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif; width: 0.5%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif; width: 0.5%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD>
    <TD STYLE="font: normal 8pt Times New Roman, Times, Serif; width: 0.5%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif; width: 6%; text-align: right">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif; width: 0.5%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif; width: 0.5%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD>
    <TD STYLE="font: normal 8pt Times New Roman, Times, Serif; width: 0.5%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif; width: 6%; text-align: right">&nbsp;</TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif; width: 0.5%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif; width: 0.5%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD>
    <TD STYLE="font: normal 8pt Times New Roman, Times, Serif; width: 0.5%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif; width: 6%; text-align: right">&nbsp;</TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif; width: 0.5%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif; width: 0.5%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD>
    <TD STYLE="font: normal 8pt Times New Roman, Times, Serif; width: 0.5%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif; width: 6%; text-align: right">&nbsp;</TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif; width: 0.5%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font: 8pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font: normal 8pt Times New Roman, Times, Serif; text-indent: -0.125in; padding-left: 0.125in">&nbsp;</TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD>
    <TD STYLE="font: normal 8pt Times New Roman, Times, Serif; vertical-align: top; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">Equity</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD>
    <TD STYLE="font: normal 8pt Times New Roman, Times, Serif; vertical-align: top; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">Common&nbsp;Stock,&nbsp;par value $0.001 per share</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD>
    <TD STYLE="font: normal 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif; vertical-align: top; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD>
    <TD STYLE="font: normal 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif; text-align: right">&nbsp;</TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">(1</FONT><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">)(2)</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD>
    <TD STYLE="font: normal 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif; text-align: right"></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">(1</FONT><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">)</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD>
    <TD STYLE="font: normal 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif; text-align: right">&nbsp;</TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">(3</FONT><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">)</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD>
    <TD STYLE="font: normal 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD>
    <TD STYLE="font: normal 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD>
    <TD STYLE="font: normal 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD>
    <TD STYLE="font: normal 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD>
    <TD STYLE="font: normal 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD>
    <TD STYLE="font: normal 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font: 8pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font: normal 8pt Times New Roman, Times, Serif; text-indent: -0.125in; padding-left: 0.125in">&nbsp;</TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD>
    <TD STYLE="font: normal 8pt Times New Roman, Times, Serif; vertical-align: top; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">Equity</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD>
    <TD STYLE="font: normal 8pt Times New Roman, Times, Serif; vertical-align: top; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">Preferred
    Stock</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD>
    <TD STYLE="font: normal 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif; vertical-align: top; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD>
    <TD STYLE="font: normal 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif; text-align: right">&nbsp;</TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">(1</FONT><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">)</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD>
    <TD STYLE="font: normal 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif; text-align: right">&nbsp;</TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">(1</FONT><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">)</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD>
    <TD STYLE="font: normal 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif; text-align: right">&nbsp;</TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">(3</FONT><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">)</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD>
    <TD STYLE="font: normal 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD>
    <TD STYLE="font: normal 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD>
    <TD STYLE="font: normal 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD>
    <TD STYLE="font: normal 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD>
    <TD STYLE="font: normal 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD>
    <TD STYLE="font: normal 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font: 8pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font: normal 8pt Times New Roman, Times, Serif; text-indent: -0.125in; padding-left: 0.125in">&nbsp;</TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD>
    <TD STYLE="font: normal 8pt Times New Roman, Times, Serif; vertical-align: top; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">Debt</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD>
    <TD STYLE="font: normal 8pt Times New Roman, Times, Serif; vertical-align: top; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">Debt
    Securities</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD>
    <TD STYLE="font: normal 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif; vertical-align: top; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD>
    <TD STYLE="font: normal 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif; text-align: right">&nbsp;</TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">(1</FONT><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">)</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD>
    <TD STYLE="font: normal 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif; text-align: right">&nbsp;</TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">(1</FONT><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">)</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD>
    <TD STYLE="font: normal 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif; text-align: right">&nbsp;</TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">(3</FONT><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">)</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD>
    <TD STYLE="font: normal 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD>
    <TD STYLE="font: normal 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD>
    <TD STYLE="font: normal 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD>
    <TD STYLE="font: normal 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD>
    <TD STYLE="font: normal 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD>
    <TD STYLE="font: normal 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font: 8pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font: normal 8pt Times New Roman, Times, Serif; text-indent: -0.125in; padding-left: 0.125in">&nbsp;</TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD>
    <TD STYLE="font: normal 8pt Times New Roman, Times, Serif; vertical-align: top; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">Other</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD>
    <TD STYLE="font: normal 8pt Times New Roman, Times, Serif; vertical-align: top; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">Warrants</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD>
    <TD STYLE="font: normal 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif; vertical-align: top; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD>
    <TD STYLE="font: normal 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif; text-align: right">&nbsp;</TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">(1</FONT><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">)(3)</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD>
    <TD STYLE="font: normal 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif; text-align: right">&nbsp;</TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">(1</FONT><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">)</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD>
    <TD STYLE="font: normal 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif; text-align: right">&nbsp;</TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">(3</FONT><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">)</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD>
    <TD STYLE="font: normal 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD>
    <TD STYLE="font: normal 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD>
    <TD STYLE="font: normal 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD>
    <TD STYLE="font: normal 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD>
    <TD STYLE="font: normal 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD>
    <TD STYLE="font: normal 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font: 8pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font: normal 8pt Times New Roman, Times, Serif; text-indent: -0.125in; padding-left: 0.125in">&nbsp;</TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD>
    <TD STYLE="font: normal 8pt Times New Roman, Times, Serif; vertical-align: top; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">Other</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD>
    <TD STYLE="font: normal 8pt Times New Roman, Times, Serif; vertical-align: top; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">Units</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD>
    <TD STYLE="font: normal 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif; vertical-align: top; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD>
    <TD STYLE="font: normal 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif; text-align: right">&nbsp;</TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">(1</FONT><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">)(4)</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD>
    <TD STYLE="font: normal 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif; text-align: right">&nbsp;</TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">(1</FONT><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">)</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD>
    <TD STYLE="font: normal 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif; text-align: right">&nbsp;</TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">(3</FONT><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">)</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD>
    <TD STYLE="font: normal 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD>
    <TD STYLE="font: normal 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD>
    <TD STYLE="font: normal 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD>
    <TD STYLE="font: normal 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD>
    <TD STYLE="font: normal 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD>
    <TD STYLE="font: normal 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font: 8pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font: normal 8pt Times New Roman, Times, Serif; text-indent: -0.125in; padding-left: 0.125in">&nbsp;</TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD>
    <TD STYLE="font: normal 8pt Times New Roman, Times, Serif; vertical-align: top; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">Unallocated
    (Universal) Shelf</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD>
    <TD STYLE="font: normal 8pt Times New Roman, Times, Serif; vertical-align: top; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&mdash;</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD>
    <TD STYLE="font: normal 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif; vertical-align: top; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt; font-style: normal; font-variant: normal; font-weight: normal">Rule
                                            457(o)</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD>
    <TD STYLE="font: normal 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif; text-align: right"></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">(1</FONT><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">)</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD>
    <TD STYLE="font: normal 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif; text-align: right">&nbsp;</TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">(1</FONT><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">)</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD>
    <TD STYLE="font: normal 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">$</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">75,000,000</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">(3)</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD>
    <TD STYLE="font: normal 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">$</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">0.00015310</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD>
    <TD STYLE="font: normal 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">$</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">11,482.50</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">(5)</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD>
    <TD STYLE="font: normal 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD>
    <TD STYLE="font: normal 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD>
    <TD STYLE="font: normal 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD>
    <TD STYLE="font: normal 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font: 8pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD COLSPAN="45" STYLE="font: normal 8pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">Carry Forward Securities</FONT></TD></TR>
  <TR STYLE="font: 8pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font: normal 8pt Times New Roman, Times, Serif; text-indent: -0.125in; padding-left: 0.125in; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">Carry
    &nbsp; Forward &nbsp; Securities</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD>
    <TD STYLE="font: normal 8pt Times New Roman, Times, Serif; vertical-align: top; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&mdash;</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD>
    <TD STYLE="font: normal 8pt Times New Roman, Times, Serif; vertical-align: top; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&mdash;</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD>
    <TD STYLE="font: normal 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif; vertical-align: top; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&mdash;</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD>
    <TD STYLE="font: normal 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&mdash;</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD>
    <TD STYLE="font: normal 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD>
    <TD STYLE="font: normal 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&mdash;</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD>
    <TD STYLE="font: normal 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD>
    <TD STYLE="font: normal 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD>
    <TD STYLE="font: normal 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&mdash;</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD>
    <TD STYLE="font: normal 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&mdash;</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD>
    <TD STYLE="font: normal 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&mdash;</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD>
    <TD STYLE="font: normal 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&mdash;</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font: 8pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font: normal 8pt Times New Roman, Times, Serif; text-indent: -0.125in; padding-left: 0.125in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD>
    <TD STYLE="font: normal 8pt Times New Roman, Times, Serif; vertical-align: top; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 8pt Times New Roman, Times, Serif; vertical-align: top; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font: 8pt Times New Roman, Times, Serif; vertical-align: top; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font: 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font: 8pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font: 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD>
    <TD STYLE="font: normal 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD>
    <TD STYLE="font: normal 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD>
    <TD STYLE="font: normal 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD>
    <TD STYLE="font: normal 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD>
    <TD STYLE="font: normal 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD>
    <TD STYLE="font: normal 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD>
    <TD STYLE="font: normal 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD>
    <TD STYLE="font: normal 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font: 8pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font: normal 8pt Times New Roman, Times, Serif; text-indent: -0.125in; padding-left: 0.125in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD>
    <TD COLSPAN="10" STYLE="font: normal 8pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">Total Offering Amounts</FONT></TD><TD STYLE="font: 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD>
    <TD STYLE="font: normal 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD>
    <TD STYLE="font: normal 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">$</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">75,000,000</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD>
    <TD STYLE="font: normal 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt solid; font: normal 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">$</FONT></TD><TD STYLE="border-bottom: Black 1.5pt solid; font: normal 8pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">11,482.50</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD>
    <TD STYLE="font: normal 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD>
    <TD STYLE="font: normal 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD>
    <TD STYLE="font: normal 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD>
    <TD STYLE="font: normal 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font: 8pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font: normal 8pt Times New Roman, Times, Serif; text-indent: -0.125in; padding-left: 0.125in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD>
    <TD COLSPAN="10" STYLE="font: normal 8pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">Total Fees Previously Paid</FONT></TD><TD STYLE="font: 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD>
    <TD STYLE="font: normal 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD>
    <TD STYLE="font: normal 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD>
    <TD STYLE="font: normal 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt solid; font: normal 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="border-bottom: Black 1.5pt solid; font: normal 8pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&mdash;</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD>
    <TD STYLE="font: normal 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD>
    <TD STYLE="font: normal 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD>
    <TD STYLE="font: normal 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD>
    <TD STYLE="font: normal 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font: 8pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font: normal 8pt Times New Roman, Times, Serif; text-indent: -0.125in; padding-left: 0.125in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD>
    <TD COLSPAN="10" STYLE="font: normal 8pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">Total Fee Offsets</FONT></TD><TD STYLE="font: 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD>
    <TD STYLE="font: normal 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD>
    <TD STYLE="font: normal 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD>
    <TD STYLE="font: normal 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt solid; font: normal 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">$</FONT></TD><TD STYLE="border-bottom: Black 1.5pt solid; font: normal 8pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt; font-style: normal; font-variant: normal; font-weight: normal">1,086</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">(6)</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD>
    <TD STYLE="font: normal 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD>
    <TD STYLE="font: normal 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD>
    <TD STYLE="font: normal 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD>
    <TD STYLE="font: normal 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font: 8pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font: normal 8pt Times New Roman, Times, Serif; text-indent: -0.125in; padding-left: 0.125in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD>
    <TD COLSPAN="10" STYLE="font: normal 8pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">Net Fee Due</FONT></TD><TD STYLE="font: 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD>
    <TD STYLE="font: normal 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD>
    <TD STYLE="font: normal 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD>
    <TD STYLE="font: normal 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt solid; font: normal 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">$&nbsp;</FONT></TD><TD STYLE="white-space: nowrap; border-bottom: Black 1.5pt solid; font: normal 8pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt; font-style: normal; font-variant: normal; font-weight: normal">10,396.50</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD>
    <TD STYLE="font: normal 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD>
    <TD STYLE="font: normal 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD>
    <TD STYLE="font: normal 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD>
    <TD STYLE="font: normal 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD><TD STYLE="font: normal 8pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;</FONT></TD></TR>
  </TABLE>



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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; width: 100%"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 0in"></TD><TD STYLE="width: 20pt; text-align: left">(1)</TD><TD STYLE="text-align: justify">Pursuant to General Instruction II.D of Form S-3, the table lists
each class of securities being registered and the aggregate proceeds to be raised in the offering, but does not specify by each class
information as to the amount to be registered, the proposed maximum offering price per security or the proposed maximum aggregate offering
price. Any securities registered hereunder for the offering may be sold separately or together in combination with other securities registered
hereunder for the offering. Any securities registered hereunder may be sold separately or as units with any other securities registered
hereunder. In no event will the aggregate offering price of all securities issued from time to time in the offering pursuant to this
registration statement exceed $75,000,000, inclusive of any exercise price thereof. Pursuant to Rule 416 under the Securities Act of
1933, as amended, or the Securities Act, the shares being registered hereunder also include such indeterminate number of shares of our
common stock as may be issued from time to time with respect to the shares being registered hereunder as a result of stock splits, stock
dividends or similar transactions.</TD>
</TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; width: 100%"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 0in"></TD><TD STYLE="width: 20pt; text-align: left">(2)</TD><TD STYLE="text-align: justify">Subject to Note 1 above, there is being registered hereunder
an indeterminate number of shares of our common stock as may from time to time be sold hereunder. In addition, pursuant to Rule 457(i)
under the Securities Act, the shares being registered hereunder include an indeterminate number of shares of our common stock as may
be issued from time to time upon exercise or exchange of the securities issued directly hereunder. No separate consideration will be
received for any shares of our common stock so issued upon exchange.</TD>
</TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; width: 100%"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 0in"></TD><TD STYLE="width: 20pt; text-align: left">(3)</TD><TD STYLE="text-align: justify">Subject to Note 1 above, there is being registered hereunder
an indeterminate number of warrants to purchase shares of our common stock.</TD>
</TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; width: 100%"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 0in"></TD><TD STYLE="width: 20pt; text-align: left">(4)</TD><TD STYLE="text-align: justify">Each unit will represent an interest in two or more securities,
which may or may not be separable from one another.</TD>
</TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; width: 100%"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 0in"></TD><TD STYLE="width: 20pt; text-align: left">(5)</TD><TD STYLE="text-align: justify">Calculated pursuant to Rule 457(o) under the Securities Act based
on the proposed maximum aggregate offering price of all securities listed.</TD>
</TR></TABLE>

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


<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; width: 100%"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 0in"></TD><TD STYLE="width: 20pt; text-align: left">(6)</TD><TD STYLE="text-align: justify">See Note (1) under Table 2 below.</TD>
</TR></TABLE>

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

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

<!-- Field: Page; Sequence: 1 -->
    <DIV STYLE="margin-top: 12pt; margin-bottom: 6pt; border-bottom: Black 1.5pt solid"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><B>Table 2: Fee Offset Claims and Sources</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</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 STYLE="text-align: center">&nbsp;</TD><TD STYLE="font-weight: bold; padding-bottom: 1.5pt">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: center; border-bottom: Black 1.5pt solid">Registrant or<BR> Filer Name</TD><TD STYLE="font-weight: bold; padding-bottom: 1.5pt">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: center; border-bottom: Black 1.5pt solid">Form or<BR> Filing<BR> Type</TD><TD STYLE="font-weight: bold; padding-bottom: 1.5pt">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: center; border-bottom: Black 1.5pt solid">File Number</TD><TD STYLE="font-weight: bold; padding-bottom: 1.5pt">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: center; border-bottom: Black 1.5pt solid">Initial<BR> Filing<BR> Date</TD><TD STYLE="font-weight: bold; padding-bottom: 1.5pt">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: center; border-bottom: Black 1.5pt solid">Filing<BR> Date</TD><TD STYLE="font-weight: bold; padding-bottom: 1.5pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font-weight: bold; text-align: center; border-bottom: Black 1.5pt solid">Fee Offset<BR> Claimed</TD><TD STYLE="padding-bottom: 1.5pt; font-weight: bold">&nbsp;</TD><TD STYLE="font-weight: bold; padding-bottom: 1.5pt">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: center; border-bottom: Black 1.5pt solid">Security Type<BR> Associated<BR> with Fee Offset<BR> Claimed</TD><TD STYLE="font-weight: bold; padding-bottom: 1.5pt">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: center; border-bottom: Black 1.5pt solid">Security<BR> Title<BR> Associated<BR> with Fee<BR> Offset<BR> Claimed</TD><TD STYLE="font-weight: bold; padding-bottom: 1.5pt">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: center; border-bottom: Black 1.5pt solid">Unsold<BR> Securities<BR> Associated<BR> with Fee<BR> Offset<BR> Claimed</TD><TD STYLE="font-weight: bold; padding-bottom: 1.5pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font-weight: bold; text-align: center; border-bottom: Black 1.5pt solid">Unsold<BR> Aggregate<BR> Offering<BR> Amount<BR> Associated<BR> with Fee<BR> Offset<BR> Claimed</TD><TD STYLE="padding-bottom: 1.5pt; font-weight: bold">&nbsp;</TD><TD STYLE="font-weight: bold; padding-bottom: 1.5pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font-weight: bold; text-align: center; border-bottom: Black 1.5pt solid">Fee Paid<BR> with Fee<BR> Offset<BR> Source</TD><TD STYLE="padding-bottom: 1.5pt; font-weight: bold">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD COLSPAN="29" STYLE="font-weight: bold; text-align: center">Rule 457(p)</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-weight: bold; text-align: left; text-indent: -0.125in; padding-left: 0.125in; width: 3.6%">Fee Offset Claims</TD><TD STYLE="width: 0.2%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; width: 15%; text-align: left; text-indent: -0.125in; padding-left: 0.125in">Modular Medical, Inc.</TD><TD STYLE="width: 0.2%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; width: 6%; text-align: center; text-indent: 0pt; padding-left: 0pt">S-3</TD><TD STYLE="width: 0.2%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; width: 7%; text-align: center; text-indent: 0pt; padding-left: 0pt">333-264193</TD><TD STYLE="width: 0.2%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; width: 7%; text-align: center; text-indent: 0pt; padding-left: 0pt">04/08/2022</TD><TD STYLE="width: 0.2%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; width: 7%; text-align: center; padding-left: 0pt">&nbsp;</TD><TD STYLE="width: 0.2%">&nbsp;</TD>
    <TD STYLE="width: 0.2%; text-align: left">$</TD><TD STYLE="width: 6%; text-align: right">1,086</TD><TD STYLE="width: 0.2%; text-align: left"><SUP>(1)</SUP>&nbsp;</TD><TD STYLE="width: 0.2%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; width: 13%; text-align: center; text-indent: 0pt; padding-left: 0pt">Unallocated (Universal) Shelf</TD><TD STYLE="width: 0.2%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; width: 13%; text-align: center; text-indent: 0pt; padding-left: 0pt">Unallocated (Universal) Shelf</TD><TD STYLE="width: 0.2%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; width: 7%; text-align: center; text-indent: 0pt; padding-left: 0pt">N/A</TD><TD STYLE="width: 0.2%">&nbsp;</TD>
    <TD STYLE="width: 0.2%; text-align: left">$</TD><TD STYLE="width: 6%; text-align: right">11,713,103</TD><TD STYLE="width: 0.2%; text-align: left">&nbsp;</TD><TD STYLE="width: 0.2%">&nbsp;</TD>
    <TD STYLE="width: 0.2%; text-align: left">&nbsp;</TD><TD STYLE="width: 6%; text-align: right">&nbsp;</TD><TD STYLE="width: 0.2%; text-align: left">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font-weight: bold; text-align: left; text-indent: -0.125in; padding-left: 0.125in">Fee Offset Claims</TD><TD>&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: left; text-indent: -0.125in; padding-left: 0.125in">Modular Medical, Inc.</TD><TD>&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: center; text-indent: 0pt; padding-left: 0pt">S-3</TD><TD>&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: center; text-indent: 0pt; padding-left: 0pt">333-264193</TD><TD>&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: center; padding-left: 0pt">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: center; text-indent: 0pt; padding-left: 0pt">04/08/2022</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: center; text-indent: 0pt; padding-left: 0pt">Unallocated (Universal) Shelf</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: center; text-indent: 0pt; padding-left: 0pt">Unallocated (Universal) Shelf</TD><TD>&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: center; text-indent: 0pt; padding-left: 0pt">N/A</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">$</TD><TD STYLE="text-align: right">1,086</TD><TD STYLE="text-align: left"><SUP>(1)</SUP>&nbsp;</TD></TR>
  </TABLE>



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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; width: 100%"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 0in"></TD><TD STYLE="width: 20pt; text-align: left">1.</TD><TD STYLE="text-align: justify">The Registrant hereby offsets the total registration fee of $4,635
due under this registration statement by $1,086, which represents the portion of the registration fee previously paid with respect to
$11,713,103 of unsold securities previously registered under the Registration Statement on Form S-3 (File No. 333-264193) filed by the
registrant on April 8, 2022, and further amended by Amendment No. 1 thereto filed on April 15, 2022, and declared effective on April
19, 2022, (the &ldquo;2022 Shelf Registration Statement&rdquo;). The offering of the unsold securities registered under the 2022 Shelf
Registration Statement has been terminated.</TD>
</TR></TABLE>

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

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

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

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

<!-- Field: Rule-Page --><DIV STYLE="margin-top: 0pt; margin-bottom: 0pt; width: 100%"><DIV STYLE="font-size: 1pt; border-top: Black 1.5pt solid">&nbsp;</DIV></DIV><!-- Field: /Rule-Page -->

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








</BODY>
</HTML>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>5
<FILENAME>image_001.jpg
<DESCRIPTION>GRAPHIC
<TEXT>
begin 644 image_001.jpg
M_]C_X  02D9)1@ ! 0$ 8 !@  #_VP!#  $! 0$! 0$! 0$! 0$! 0$! 0$!
M 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0'_
MVP!# 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0$!
M 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0'_P  1" !) )D# 2(  A$! Q$!_\0
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ME))*3YDG?=?R)_\ !FB#]K_;S &/]$^ 1&1_L_$;OZ';QSD^HXQ_= .I)X)
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MCM[:".*W@MX(TC@@MXHQ'#!!#&JQ0Q11HD<4:(J(@5$ "@"99 H (/&0>_0
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M,$].?8$ \$=,D_T[Y/\ /?\ \$.L#4/V@P3D_9OAX#W(PFMY..3R<@=<] <
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M."A%/V;YHP<I>S<74O*;G5_BIJ,MFHQ3D?/W[5?PL_;&_;4^/7Q%^/?P8^#
MM;7]C^ZT/P[^P)XE^)OQ \0_!FZA^/'A74=(\=?&7XSO\/==^'&J7/B_P1\4
M8(M(_9QT^[OM0TZSU3P%IWQ(-C';P>*4U,X'C?P%^T7^UG^V7XI_:0^$_P"S
M9\($O/&?_!*[X$7&D>#/V]/V=/&7B?P?!\5X?C+^T'J&K_!"349=2\*1>!_'
M.A7]Y#8>-Y&;71)HE_X=UM-)GT6XLM1N_7-%_P""@7Q4\=?LO?L]RZ7XZ6Q_
M:"\!_P#!1O\ 9I_8V_:5O;7PC+H,GCC1=9^*^D:%?^+K/PCXQ\/V.KZ!X;_:
M"^%>I^'OB%H\L>A:-<Z=_P )/?:;HTEG)H\OE?OCD$D8.1G&1U P.#[YZ>A[
M#BN>OBL1@.6C4P>%]Q8C"4HMU9.-&$L,JCG[\'4A7J1AB*<KT_XTI>ZTU&Z5
M.&(3<:]9N7LZLY*RO*?M9I)6DHN$&Z;BF[*&JDVF_@__ ()E>%H/ G["O[.O
M@J&T^+6F7GA7PA>Z/KVB?''P[=>%/B/X9\4Q>)-;F\4^$]2T&XWPV6A>$_$-
MQJ7ASP0-(O=8\/R>!]+\/2>'==UO1'LM4O/O.D /&3R,D_4Y_EFEKQ*LG6JU
M:K]UU*DZC4=KSDY/MLWRI=(QCUNWZ%.*A",%M",8)VLWRJUWJ_7?JRE>V5K?
MVUS97D"3V=W;S6US#(I*2V]Q$T$\3CNLL4CHXR"58\@YKP?X7?LM?L_?!KQ%
M<>*OA?\ "CPCX)\0W.EW&C3:OH=@UK>RZ7<W%M=3V+RM/*#;RW%G;2NFP$O"
MASQBOH6BMJ.8X_"TL3A,-C<70PN/BH8W#4<5B*6'Q4:<K0CB:%.I"EB(QO>,
M:\*BA]E(\S&9%DN8X[+\RS#*,KQV8Y/.I5RG,,9E^#Q6-RRI65ZL\NQ=>A4Q
M& G4_P"7D\)5HSJ+2<F1[592I^8,#TXXZ$=??ITY/'6OGCQO^RE^SO\ $CQJ
MOQ"\<?"3P9XA\;J^ER?\)->Z<1K7FZ-(LFE3&]MYX96GT]HXC:S8$L0AB ;;
M'&%^BAU;Z_T%+587,,?EU257+\;C,!5JTJE"I5P6*Q&$J3H58VJT9SP]2E*=
M*JDHU*<VZ<U=2BUM6:Y)DV>T*.&SO*<LSC#8?$T<;0P^:9?@\PH4<9AW>ABZ
M-+&T,1"CB:+UI5Z2A6IO6%2+*ZHJ@* , $8SDX],G/IGW)ZD\UX[\6/@#\&_
MC>-%3XL_#_0/':^'6O)-#37X);N'39-0\H7DEM$MQ%%'-.L$:/*5:3RT50ZK
ME:]I;H?H?Y5!48;%8K UX8S!8G$8/%47S4<3A:U7#8BE+6[IUZ$Z=6FWS25Z
M<X.TI*^KOKF.49;G6"KY9FV P.9Y=BHQAB<!F."PV/P.(A"2E&-?"8NE6P]9
M1E&+2J4YI.,7:Z37/>$/!_AGP)X9T;P?X.T33O#?A?P[8Q:;HFAZ1;QVNG:=
M90#]W!;01Y2- 268G<SR,\DC,[,YD\4^%_#WC7P]K/A/Q7I=GKOASQ#I]UI6
MMZ/J">99:CI]Y$8KFTNHPRF2&:-BCH'4%"V3C!'2+T'T'\J3^#_@/]*S]M6=
M;ZTZU5XEU5B'B'.;K^WYW4]M[9R]K[7VC<U5<W44_?YG)W-?J.#6#_LY87#+
M+UAOJ2P*P]%8-8-4_8?55A53]@L-[!>P]@J?L?8_NN3D]T\6^$_[/GP9^"#Z
MR_PF^'?ASP(WB 62ZTV@V9M3J(T_S?L0N=TT@D6V,\WEC.5WL.00*]F(4@]#
MCKGZ  CKP< '^F34B]!]!_*D;I^?_H+5>*QF+S"O4Q6.Q6(QN)JRA&KB<77K
M8JO4M'V:<ZV(G4J3M!<L5.4DE9;:&&693EF28&CEN3Y=@,JR_#*?U? Y;@L-
M@,%0YYRJS]CA,)2H8>ES5&YR]G2AS3;E*[9X;XQ_9J_9^^(MI\6=,\>_!?X:
M^,].^.T'A6V^-%AXF\(Z+K-E\4H/ UO;VO@V#QS;:A:SP>)(O"]O:6L.AQZG
M'.NFQP1+;! BD'C+]FG]G[XBQ^.H/'7P;^'?BN+XF^!_#WPT^(2:YX6TF^7Q
MA\/O".I:AK/A;P;KZS6Q74/#?A[5=5U'4-%TN8&UTV[O;B>UCB>0D^Y#[Q_'
M^24ZLW7K0<7&K53C9Q:J37*X\J7+:2M90@E;5*,4FE&*7=R0;E[D=7K[JUTO
MJ[=V_O[W;^0M/_8)_8WT[P]XU\)P?L[?#:7PQ\1_#\'A7QUX>U#1Y-7T3Q3X
M=M=7L=?M=)UC3-5NKVSN[:VUK2M-U2%6A$D5[96TR,K1+CNOAO\ LI_LX?""
MS\56/PS^"GPZ\'1>.M*;0O&L^D^&K!-3\6Z'Y5S"NB>)-8GCFU76-'CCO+M(
M-,O[Z>Q@^UW+0P(9Y2WT$>GXK_,4M-UZ[YDZU5IM59+VM2TIJUG+WM6K73=W
M?5["]G!)6A!:65HK17;LNEKMNVSU[GS3XQ_8^_9?\?\ @_X=^ O%WP*^'.K^
M$OA'H\'ASX6:5_PC]MIY^'7AZUTZTT>/0?!6H:6+'5/#.B-I.G:?IUSI.DWM
MK87=E86=O>03Q6L CZKP5^SE\ OAK?>"M4^'_P 'OAUX+O\ X<>%O$?@GP#=
M^&O">C:/-X0\*^,=4TW7/%VC>'6LK6(Z7;^*]:T72]5\326HBN-?U&P@O-6F
MNYT#GVRD[CZ'^:TO:UW&WMZO+JG'GDXVFTYZ.37O\S4KW3ZK>YR4^9?NX7L]
M>57]UZ=/*_ETV1\\?$7]D_\ 9J^+=WXQOOB5\#OAOXSO_B%/X"NO&^HZYX9T
MZYO_ !3>_"RXO[KX:ZCK-X(XKF^U/P'/J=^WA/4I)FU#01=2)I]S F%'2?!_
M]G[X-? *SUS3O@Y\/M"\ 6/B2[M-0URWT)+M(]2O+&![:SGN/M5U<DR06\LD
M:E"@*L2VX\CV2BG[6LX*$JU64%IR2G)PM=V2@WRKE22C9:?E2A%-R48INUVH
0I-VO9MK=ZO[PHHHJ2C__V0$!

end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>6
<FILENAME>image_002.jpg
<DESCRIPTION>GRAPHIC
<TEXT>
begin 644 image_002.jpg
M_]C_X  02D9)1@ ! 0$ 8 !@  #_VP!#  $! 0$! 0$! 0$! 0$! 0$! 0$!
M 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0'_
MVP!# 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0$!
M 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0'_P  1" $W <<# 2(  A$! Q$!_\0
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M'3;Z%9[2]M)4FMYXF)&Z.1"02K!D=3AXY%>.15=647Z "BBB@ HHHH ****
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MO_1O$O3_ )]==Z_^!?3W_2OO>BC_ (AEQG_T>_Q!_P##9P3_ /.(/]>N%O\
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M*'\6?:UE?91ZG@U.(\;C)NCEM":A>TJSW45>\FVE!.VBV5]7*RU^I?C_ /\
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M=0TA<@UV"06Z%6CAA0IYP1DC12@GD66<*0H*B:55DEQCS'57?<P!KXP_;?\
M^16_9[_[/-_97_3XJZ.?\_IS7V)?:E8:19SZAJE[;6%E;@O-<W4J0PH "<;G
M(RS=$107=@%12Q KKKX:-+!Y?B8RE*>,GF$)P:7+%8.OAJ4.2WO-S5>3E?9Q
MC9I7.2GB)3Q>+P[45##T\).,DWS/ZQ3K3ES7]U*/LERVZ-WZ VD:2QA+:7IS
M&WN9;V M96Q,%Y/)YLUW"3$3%<S2_O)9TVRR2?.[EN:E?3M/DNX]0DL;.2_A
M79#>O;0M=Q)M==L=RR&:-=LDB[5<#;(XQAFSQ.H>/+2WTE]<)BTG1LXM]2UQ
M)X)=07@AM+TA M]=+*I/V=IVLS,0&1&A993XM<?'K4GNV%CI<DMFK%1+<RVU
MF\H!8"5+>.VNG@4Y!6*6\G(! =RQXRA0J3V22ZN322_/YVO;K9Z%U<51I:2;
M;M>T5=V]+K?IM?H?3T.FZ=;M.UOI]E US.EU<M#:P1-<74;^8EQ.4C4RSI(!
M(DTA:17^8,&&:KG0=#87:G1M**W[B6^4Z=:$7LBN\BR78,.+AUDDD<-,'8/(
M[ AF8GRKPY\8=#U)HH-0GETVX90I6]2-H&?@ K=0)'M))YWQ<\8"\UZY:ZA;
MW<0FBDC>)AE98Y4EA<=BLJG SV#A&_V<<U,Z52GK*+2O927O1?\ V\KKY.S\
MATL31K.T)KF_DDG"?_@,K77G%R1<CC2)$BB1(XXT6...-0B1H@"HB(H"JBJ
MJJH 4    4ZBBLS<**** "BLG7=3_L?2;[41&LLEO#^XB=_+CEN9G6"UBDDP
MQCBDN98DED"L8XV9PKE0IRYM2U^W35Q)::=+-IMA97]M';/=2R:A&&NQ?1>4
MR)]EFN!9N-/19;L1O(@N6D .0#JJ*X#Q/XS;1#%);_V0MI'HUSXCO+K6-0;3
MXI],LP&EMM-;RF1[YHCYNZ=D@@0H901)E)8_%LT+IJ6JQZ;IWA:[>\BM-4GO
M'AGM6LVF$<NIBXCCMHH-1BMY)[-HIB8E,<<X\Q\4 =U17GD_CZW/B+3=*LK.
M_N["YL?$-U+?Q:5?S17LFB'3H_(T6XA4PWD@N+R6"5-C>8T3- YCBDDK;A\7
MZ-)!<S2M>6;6EM]HN;:]L;FWNXL3K;FW,!C+/>"66U46L6^9OMMD45OM,>0#
MJ**X[6_'.A:!J$NF7W]H-=Q6EA=N+?3KF:#&JW%_:Z9;"[V+:M>WTVF7RP6H
MF,H6W,DHBC>)GEMO&WAV\M9+NWO3+#"NE&9DADD$4FL:S>>'[6!S&'4SQZQI
M]Y8W<:,WV66!S,5CPY .LHKD(?&FG7,$UQ::?X@NXTD"0?9M#OI?MT>]T-S9
M,(_+EMT*'>[O$Z;HPR RQAL$_$2+SO$T4=M/)%IR6[Z/?KIU\=,E-WX8L=<M
M8M2OLB&&:>YN7@1%,(5#!$[+/("P!Z;17#:%X]T75[G3]*:Y1-7N[:$,BJ4M
M)M373EU&_P!.LI'D9YKBS@$TTT8#>7##(6D9D:NYH 3TZ'KSW'T_EVKYQ^,7
M[2'@[X5VVHPO>Z;<7^F#9JE_J5XUGX>T*XD0M#:7]S;17-[J>LR@J\'AK0[6
M]U:5"&N1I\++<UVWQB\7W_A?PREIH=PMKXB\133:?IMVR^8=+LK:UEO]>UP1
MD;'?2-(M[F>V1R$DU![*)@RR,I_FK^/OCG6_BGXM'A;PK?RV'A7PO=ZA83Z[
M)_ID[W0F_P!+AT-9=]M?:E/.99O$/B2[\\R:B7@@CN&C+0^)FF9PPD*KE5CA
MZ5!0]O7;CS>TJKFIX>@I7_>RIIU:D^67LX."BN>HI1=&CB\9C<-EN78:6*QV
M*YIQ@D_98?#P?++$XB2TC#G?LZ:NN>2D[-1Y9>I?M+?MQ:OXWUB/3M+UG7M1
M$C;=*L$L$_M"\N'+*+CP[X+L9+J#0["-1M76-<N;[4%0&:ZU.S;]ROR!'X6\
M8^.9I+KQ/J%WHEA=EVGTNQO'GUR^\P_,VK:^I\V!F4D/!I3!@68'4&P*]-\)
M?#C2=$5Y+2U47EUL_M#4[@F?5-0=0=IO;^4-/. 1E%+>5&3B*-%XKTY;72]%
MM&OM2NK:PLXP?,NKVX2",#J55W(,C #.V,.Q/ 4G K\JQ_$CJ5:D,MI.$Z\K
M3Q$N>IB*TM(JTI.I5:MLE*RO[J6Q^OY%X=8>@J>,X@Q'UVK22DL/+EIX.CUM
MR>["33O=SWLKQV.$\)?#K1O#MA!I^E:?;Z?9Q(-D-K$(QN'!DE?F2>5CR\\K
MR32-N9W9B37IMOI5OI]M+<74MO:6ENBR7%W=31VUK!&HW,TT\S)#&@(Y9V'N
M>1GXN^*/[>WP8\!7>J^&_!UPWQ \7:3I6L:I=V6AQF\L=/BT73;K5;I;Z\C=
M+"SNS;6<BVUGJ-_:75S/Y<45I(9%#?B[^TA^V+\?/BK>+'\1/B#9?!WX8ZG9
M:3K5AX-\,F2Y\:ZSX7U_3[;4])OM7EF6U'AZ*[L+RVN)H4M]*FAVM&US<E2S
M>-+!XFLHXG'5W2I5,5'"NHVL17C6FE+DE2C4Y:#Y9<W[Z<9-:1IRE9+]ER3A
MC-LRK5LNR;*E0J8;(Z_$,%CD\JH5\IPTZE%XK!2Q.'IU,=3E7I.A"6$I5*2F
MXN56%/\ >/\ HU^+WQ?\)?!GX,^)/C4T,OC/P[X?@B>&/P<5\12:I=7%W]AB
MM[1M,DGCE*7>8;A?-00,C">2 !F'\^_QU_X*7_M5>*[75O&'@J:Q^"6@^$HK
M3Q#H/AJ\U*'_ (2CQ390W\/GO<:7;.(HK:.(QF:*\;4XI[:2:*28C*#5_P""
M?7[5<FG?L[_M>?!C3(IO'^G6ES?ZKX-N[S4+F^6PUG6?"FJ1:DEC<,96FNKS
M5M*TV\M+A#(T%\DEQ%&UP2S?@;X7^#_[4_[0FM/J'B+1_%O@?P.,/KUUJMMJ
M&B_;(&G1CI4']HD:QJTUS(B0W6HW.W3[.%9KB24!5C;Z/"\/_P!GUX5<14P+
MPE*K6^NU<5!2JU:+A#V%.E"KS.-22G)<E*"ESI.56UH'S.'XDX7Q/#V?4,5@
M,\Q?%N-IX2'":R^K-8#"58SD\?B<>Z;A1]G0G2474Q-2I%TJDH4L,YWJ+^QS
MQ[_P4E^'EMX8^ /BCPM?3RZUXKD\ ZUXUT:VBC32;/1?%%K96OBC2KIIF>:2
M:RO[J22QNMD A>U#1AT)+?1/Q;_;J^#/PWO9]$T_4AXMUD(HCMM)F*6"2R*'
MC6>Z4-=SA=P\TC[%$/F19' !K^=+6_V>_&5KX0\&>'],M[&:X\+V.A0RO:.1
M#<IIA@>=&U*8(+EW1&2 P+Y+L%(F.XN.7O= FTK5KF^^(?B4>'+33='UWQ7?
M:-9SV\_B2?1O#UD^I:I<16TTOE[H[>,*'G=XM[#>ZJ":JCA>'XU95O<Y:45R
MT^6=1SES.THT[2YVFX1YFG&[2;/EL9BL]AAHPDIP<N:56K>,%3@U&ZE.\>75
M3E&"]]INR/U6^+7[5WQC^(,%G!+'KWA+PMKPF.@V6CZ-J.G6FM0I@2'3K_[,
M(M3>(.GGR6\MU-&'1Y)E0JQ^<4^%=QKT<VN^*9(-$TI6,MWJOB#4O-G]7-Q>
M7EP+2)R/^6!EN[PG(2R)&*^A?"W[3'BCXK_L^^$/A E[\.EU&+5M8^(?@JWE
M^U>+-272_"NB6EMXEUCRHYK)/#>GW&E:GIQAT-S>66I:O&L<PA@AB:N(U+1M
M*TK2[WQOX_U>YUB+0;&:_N]8\1M ]EIMO;H7*:-HD:QZ1IA)Q';Q0V\LH?:/
M.SEJ[<;C%@53IKEP]9TJ,_9QBJE9>VC)PA!VC22:2M)MM>\O9Q<)''AL)A\5
M/%59U%B*6!G-UL15E[*A3ITZ:JSK5)2E*I90YW/6$5&-W6:DCQS5?%W@/X>V
M4C^!_#$>LR0Q,9/%_B7SO#OA.W"J!)<QS3I#KFM1KRRBSBT>T=<#=)O&?D#Q
M3^UE\/;C78=,\=>*;GQ,T<OF?8M.M8-.\&Z2K-@/9>&(KJT;4&'7[3?QW$LP
MRX\S&3\P_&[X]^,/C9J7B'2X[5/#OA23Q"9M(N[:YNAJ,WABU@6'3].GRRJD
MMY=B?4[RXA2*1TDAM\I##&H\ M?!-D4G:VTFXOQ:1-=WL\-M-=>1 "%>[O&A
MC=8;<.0K3W#*@8A3(22*^.QV>QC6J4U4<ZD9.">'G'$5965W)XJ:G9:M>SH0
MIQ7*[R:L?F&>^,.7X'&0P'#&74\]5-+VN)JNOA\ YQ<^>CAL)AJ4J]>5-4^:
M5>K[2%G>+LI27W=-^VGX/CN98HO 6I7FGVT\T%C-'<S6D,]M%(R17,5JNF>7
M;K.@658$ $8<+EP 3L1_&;X-?&N%8[W1?%GAZ_\ #:O.-8TJYO[*[T5-306E
MQ"^J>'VMM7AL-12/R;E)+8VDC11&0I(J-7P5I^AZGKFHVVBZ!I6H:UJET1':
M:5I%E<:C?2MD(HCM[6.614' WMLC4 [W4"ONKX"_LL?%CPCXGTSQWXIO=/\
M!MM!#<6][X5GCCUO6-=TJ\BV3Z7JL,,O]FZ2A<0W*2/<7=Y:W,,;I C;@?'J
MYGA))5ITY4*BC*5*I1Q=>%534;?"_:0DYZIN5-Q;D[^ZK+W?#GCSCWBS-Z&
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ME_:R+*L-L(;>*XTW1VN()3#'!+<1ZK'I\>JAIHT=7A-X8 )9$6-8]B)V=%%
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M-\4WGAW4TC75RECO)DE+-%$T0!#!]Q7AHR0$.2Q.%!8XK<U?XFB0M#H,0=R
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M@"3S/;]?_K4X.#[=._7-0T=* +%%,5@< GYCG_/Y4^@ HHHH **** . \?\
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MV<Y125NB7X+L*%2<I*,%.<F[*,$VWZ6^[6RVUMJ:%W BJ=I7!!&#UP,]\8/
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M!$EMIUG:7%]=V\"1W.I3QW-]. #+=2Q6\5K"TSG+,(;:&."%<[8XU"H * +
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M%P#HZ*YB\\5Z79:S'H\TBHPT>77;RZD+Q6]IIPE,%O+YAB,4[W,Z2HL22B5
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M;)65]/-W:[MW?9:H^_Z***9L%%%% !5>[E>"UN9XD,DD-O-+'& 29'CC9T0
M<DNP"@#DDXJQ10!_')I7BGQ!XM\3>()]4D>2[N?$_BG5=2>1&26/4M7UF\O;
MF)M[,X$4C;2),NC'9TC5:]=\/:KKL%[;VVC.D%[=D6\+-<VUI%*R*SB.6ZO)
M(;6,L5(3SIHU:0HF0[ '[._:\_8/\<_#OQIXR^+OP.T"^\8^!_&>JS^(M?\
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M\::YJ6IS^(!<?VOXGA),=E>Q>'K.PDU74UA=8!':R7&MZ:"85<7;H[M7RO\
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M+/Y\2&T9UCD+CNM4N9K/3KZ[MT$DUM:7$T2%'D#/'$SKF.+][(H(#-''^\D
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M?:S;20RS+=^;_:/]GB']T8FC:]6Z2X>*![=7FB#@'4A5!!"J"!M!  (7T''
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MB@ HHI,_U'X_YSU]J %HJM=WEK86\MW>W,%I:PH9)KBZE2W@B4<EI)I62-%
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MOX@\=WXEN--O]8OIU6(W%T[SNZQ+\@FED'$<0<!%51M4X0XX'T[\"/@U\0M
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
end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>7
<FILENAME>image_003.jpg
<DESCRIPTION>GRAPHIC
<TEXT>
begin 644 image_003.jpg
M_]C_X  02D9)1@ ! 0$ 8 !@  #_VP!#  $! 0$! 0$! 0$! 0$! 0$! 0$!
M 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0'_
MVP!# 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0$!
M 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0'_P  1" !* )8# 2(  A$! Q$!_\0
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MY8O2VNKT]++,7+'8#"XR<%3EB**J.$6W&-Y25E?5VMH^WS'4445XQWA1110
M4444 %%%% !1110!^:__  6'.?\ @EK^WZ.?^36?B[G!Q\O_  B]X#@G@,!S
MDY'M7\T/_!FI=)+HG_!0339 L@;5/V=+J2W<!HVBN=*^+-LQ=""&5Q T;;@V
M0NT]Q7]8'_!0+X&^-?VF?V)?VI_V?/AO+H<'C[XQ_!+Q]\/O"$WBB^N=*\.Q
M:_XDT2ZT_3I-9U&TL-5NK/3EN)D-Q<V^G7LL<>YDMIF&P_BU_P &\G_!)3]J
M_P#X)?7W[5DO[3.H_"+4(OC/:_!R'P=_PJWQAKOBMXI/ 9^(@UHZVNL>#_"O
MV$2#Q3I9L3 ;W[25O/,$ BC\W[W*,RR^CX?<6996Q=&GF&*S3*L1@\)-S5;$
M1H<CJSI>XU:%O>:G&UK1O8^9QF&Q-3B3*,7"A.6&HX/%4JU5)N$)5'/EC)I*
MW,^71].O?^>S_@H3\)?'_P#P;_?\%D/AY^US\ ]"U"W_ &<_BIXDU?XE^$?#
MNG*8-$U3P=XBOX(/VAOV=G(1;.W73?[0&M^";>7<=-T_4O!]W!NGT":2/_0N
M^#/Q=\ _'OX4_#OXU?"S7K7Q1\.OBEX0T+QQX/UVTD1TO]"\06$-_9&18WD6
M"]@68VNH6;,9K&^@N+.X"3PR*OP/_P %?/\ @GIH/_!23]BGXC? _P BPMOB
MMH,;?$;X!^);L0J_A_XL^'+.Z;1;2:\<I]FT3QC9S7W@WQ%F5(8],UM[_8]S
MIUJZ?SC?\&KG_!0;7?!_B+XD_P#!*G]H"XU'P_XG\+:WXR\5_ /2O$\C6^I:
M#K^@ZA=I\:_@C(EQ)NAOM'U:VO?&^@:3#&H11X[9=R06L8[,QYN,>$J.;P7/
MQ!PI2A@\XBFI5L;DCBW@\?**O.I/!V]C7G%2<87;Z)YX;_A&SBI@Y/ER[-I.
MM@V_=C0QJUJT%?1*NVYQ5_>M=+JO[@?\_P"34;L00!CIDY[@]N>,<9)Y( /'
M6E1LJ"<Y &1C)'U '4#T]Z_GR_X.+_\ @I8/V#OV+=3^'WPY\0+IW[1_[4=K
MKOPW^',EE<0IJO@OP5]C2'XF_%!59'>W?0]'OH- \.W)\IE\4^(M,OK:1CI-
MR%^$RK+<3G.8X/*\%#VF)QE>G1IK>,>:2YZL]DJ=*'/4J3;48Q@Y-H^AQF*I
M8'"U\77:C3H4Y3E=[M+W8+NYSY8I+5MV2;:/YI?^"IOQQ^)'_!=K_@KQ\,?V
M%OV;]7N+KX&?"/QCK'PN\+:_8K<7GA^*YTVY23]H;]H?4HXE,<NE:!8:9+X=
M\+SD/%?V&@Z<=/D$_BQH7_HQ_P""Z'P4^'?[,7_! ;XO_ #X2Z-'X>^'/PI\
M+_L_> ?"FEJ5,PTS2OC)\.H&N[^=50WFKZM<"XU;6;^1%FU'5;R\OIBTMPQ/
MS_\ \&MW_!-$_LU?LUZA^VG\5/#S6'QG_:ET>R3X?V>IVTB:IX(_9[MKB/4/
M#RB.ZB2YL=1^*&I0Q^,=2^8_:/#MMX+5RLRWB-^M?_!93]D#XP?MW_\ !/SX
MO_LQ_ FZ\&V7Q&\>ZS\-[S2I_'^MZAX>\,)9^%/B#X>\5:JM]JFF:)X@O897
ML=(E2S6/2YO.NC%&[Q*3(OZ'FV=9?A^)N&\@P->G1X<X3S#"TIUWRNGB<;3K
M4WF>9UIP4N:4JD9PC-J:Y*<G"S=CYC"X'$5,JS3,,13E/,\WPU5QII^]3HRA
M-87#PB]5>#BY1C9N4E?9L_)'_@T,#?\ #O7XTD#!'[5?BPX(P2/^%?\ P])!
MQCGYO\<Y.?ZNAP3]<XZ]?P[^G-?AC_P0-_X)W_M _P#!-7]E'XB_!;]HR\^'
M5_XS\5?'+7_B'IDWPT\2:KXGT-/#^I>%O"FCVJ7=[K'ASPQ<PZBMYHUX9;:.
MPEA6 P2+<LSND?[G @Y]<\]??'4=<=1T!_7Y+C'&87'\59[C<%6AB,+B<PJU
M:%>$G*-6G*%-1G&32<HMQ:3:3O>^J9[.14:N'RG+Z%>$J=6EAXQJ0DK2C).3
M<6GK?79[K7L.HHHKYL]<**** "BBB@ HHHH **** /#OVBOB3JWP?^"'Q3^*
M&A:?I^J:QX%\%ZWXETVPU4W TZ\O-,M3-#!?&U>*X^SR''F^1*DFWE77(-?B
M/\)O^"S_ ,0-7^(_@S2OBM\/OAUHGP]UG6K+3/$NO>'I/$8U70[+4C]FBUA$
MO[ZXMGL].O);>XU)'A>1=/6Y:#$JJ:_7;]N7C]D3]HK'!_X53XM[ X)T]AD
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MS.S<@;1G<6Z 8+%NAP">E/$H Z'A?3K@D=NO;&.QSD\&OS:_X*;?M41_L]_
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M@.Z\-ZMXIDUS1PIM-<] _:*\1?M-?"#X9_LY:)IGQH_:U^'6O?M _P#!0O\
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-=G;_ (&@4445!9__V0$!

end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>8
<FILENAME>image_004.jpg
<DESCRIPTION>GRAPHIC
<TEXT>
begin 644 image_004.jpg
M_]C_X  02D9)1@ ! 0$ 8 !@  #_VP!#  $! 0$! 0$! 0$! 0$! 0$! 0$!
M 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0'_
MVP!# 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0$!
M 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0'_P  1" !+ )D# 2(  A$! Q$!_\0
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ME))*3YDG?=?R)_\ !FB#]K_;S &/]$^ 1&1_L_$;OZ';QSD^HXQ_= .I)X)
M./P';&1Z=>>:_F9_X-Z/^"2G[5?_  2^N?VH9?VE]0^$FHK\88OA9'X1'PM\
M8:YXJ\K_ (0Y?%HU?^V1K7A#PI]C#'6K(V36_P!M\_%QY@AV()/Z9@<DYQD#
M'&>G'J/7/3J,'Z>)Q_C\%F?%V:XW+\13Q>$KRPSHXBE)RA44,)3IR<9-1;49
MQ:=XIIZ=$=W#>'KX3)\'0Q-.5*M#VO/3FK2CS5I22:>NJU726KU2'4445\>>
M\%%%% !1110 4444 %%%% '.>)M3ET;0=<U>WB2:?2]'U/488YMX22:QL;B[
MB20KAA&[PA&VD-M+!<$$U_.3H?\ P6Q^-"ZOH\OB;X4_#)_#@U*R_M]=%E\3
MKK"Z.+M$U0Z3]JU*6V.H1V0FDM%N$D@DG2,2*RMBOZ)_'O\ R)7B\XZ^%]?;
MID?\@B]QQWX)SZG-?QX?LC_LZ-^TS#\=_!>DHI\=>'/A/!XW^'DN53S?$NC>
M);1)='F?:RK!K]A=W&F2LWR1S26EQ\H@PW]%^!O#? >;9#Q[G''N54L?@LD>
M04Z6+E/$1K993S.K/!5L31]CBL/3?LZN(HUYNK&HE&DY*+491?\ !?TP.//&
M7ASC+P>X8\'N),5E&:\44^,<17RVE3P=6AG57(*=',Z&"KO%8+%SO6PV#QF$
MITZ$J,IRQ"IJ7/.$H_V*^$?%FA^.O"^@>,?#-_!JOAWQ1H^G:[HNH6K;X+W3
M=4M(KRTG3(!!,4H#*X#1N&5PK*0/XZ/^#J[_ ()S7^M>%_!G_!3GX(Z?>:=X
M]^$7_"-^#_V@+GP\9;?53X.M-3@/PQ^+L4UL4FAU7X;^));?0=1U-6-V-#U?
M1+AS%9^&&=/U3_X(]?M/3M::U^RCXZNI[35-!?4_$'PRBU/S(;J.QANF_P"$
MO\$^7, R7&@ZCYNIVMLP\T6]UJ$8\N&Q"+^W7Q \">#_ (I^!?&'PU\?:%8>
M*/ _C_PUK?A#Q=X=U*);BPUKP[XCTZ?2=6TVZB;@PW5C=2Q%@1)&2LB.DB*P
M_/,[RS,O";Q Q&!FUB:6!Q'/AJSN\-G?#N9KGPU>,M85:6+R^K35ES1CB:+B
MW[UU_2'A5X@Y1XW^%^2\58.*PN*Q^'>$SK+WIBL@XKRIQPV;9=6A)*I2J87,
ML-6J4U.,'/#5X3BDH2;_ "X_X(J?\%&=-_X*/?L.>"/B9X@U*Q7XX?#.*#X6
M_M$:4CI;O;^/_#^G0&/QBEOO)AT?XB:)]C\864ZA+."\O-8TB$L=&N G\A'_
M  4)^*WC[_@X"_X+'?#O]D'X Z[=S?LX?"+Q%K?PZ\->*M+9KC0].\'>'KR"
MY_:#_:&?AK2?^TSIB^'? <]RBKJ4%EX2LX5CD\0W)D^%_P!H]OVLO^"!_P"U
MC^V[^RC\*_&5]X?\!_M!_"?6/ WAOQ9J<4ZOXK^ _C2\N+GP'\1O#=['<0+:
M_$SP-I[^)O %QX@A>8:9K,GBQ1 SRV$T7];7_!L5_P $TA^R/^RC/^U1\3O#
MQTWX\?M9Z1I&KZ7:ZC;F+4O OP#MS_:'@'PV$E7S;.^\;.Z>/O$,3[9'@N?"
MVGW$<=SHT@;Z.OEV5\%4\UXSP-;"XB&<4(4^"\/[2G.IA:F:4IUL97G3LW3G
MEL95*%.3C%T[0LU)6?U%+$XK/987(Z].M2E@IN6=5'&4855A9*-"G3FE::Q3
M49R7,[:J5[N2_HQ^#GPC\!? 7X5?#SX+_"[0;7PQ\//A=X0T3P1X.T*RCBBA
MT_0O#]A%I]D)/*C19[R=(?M5_=,GFWM_/<7LY:>>1S^>G_!0'_@HE??LI^(O
M"'P_^'.@>%O&/CS5K*;Q!XIM?$-Q?G3_  YX=8O;:4LL>DW5O<#5=8NEEGMX
MIF1(M/M)9W1OM$!/Z _&GXM>%?@=\,/&?Q3\97/V?0O!^BW&ISHC!9[^Z5#%
MIVE6:G<9+W5;]X-.M4'6>X520N2/Y;OA'\-O%_[9'BC]J?\ :H^*:276@^!?
M _CKQI?JYE:PNO&S^&;^7P3X/T^1G4MIG@S38;6]G@ =0EIIL<P9KR3?/A%P
M?DV=8C..,N.:=3$<(Y%*EA\10JRG">>\19O5IX; 973DJM&K5FZN*GC*ZIU+
M[0E*,5(_G_Z4?BMQ9PO@^'O#+PEQ4</XH\:1Q>88?%T?8U'PKP?P[A:^9YWG
MV(C4H8JC0IU:6"E@,-.MAY)_O:E.%24HV_:K_@GA^V[\0OVO[KXH0>.?"O@[
MPVO@5/##Z:_A0ZR?M8US^T?M(O?[6N[G(@^QQ^2(1'@E]Q?(V_I['SS[#G@]
M0",' /J/PP>:_GP_X(;Y-_\ M E@HS9?#IOE Q\T>MMR ,;N?F]^P.:_H0.-
MHP!@_7/KZ=. ,]\CD<9\/QFR+)^&?$CB+)<BP-/+<JP<\#]5P=-U)4Z"JY?A
M:\XJ56I7J-\]:7Q5I6<7HH\J/L?HI\7<2\=>!/!/%/%^<8C/N(,RCG/U_-,4
MJ$:^*>%SW'82BY+#8?"T>6%'#QA'DP\&X.+E[W,2<=?Z<_XT?Y^G^-9<6JZ9
M<7E[ID&HV4^I::MK)J&G0W=O+?:?'>H\EF]]:QN;BU2\1)'M6GCC$ZHS1%U!
M-)#JNE7&H7>DV^I6,^J:?';S7^FPW<$E_80W@8V<MY9+(;JVCNE1GMY)XXTF
M5',;/@FOS&TD[.+TBI.RE=1>TI>[I![<S]UNUF[H_HGF7>/Q<OQ+?JM]TM>7
M?T-7_.?Y#_/KQ17)>'?&W@OQ:^IIX4\7^&/$[Z+<BTUB/P[KVE:V^DW8+@6N
MIKIEW<_V?<YBE7R;ORI,QR?*=I-)H7CCP1XGO;W3?#7C#POXBU#359]1L-"\
M0:3JU[8J'$)>\M;"\N)K55D81,;B.,"0A#\Y IM35WR2M&S?N35DTGJW!*+?
M1-KF5FF[Z/F7>.KY5[R=Y=8WO\2TNM];6W.NHK'.MZ(+*]U(ZOIHT[3Y+R._
MU 7]J+&QDT^1X;^.\N_-^SVS6,D<L=XL\D;6KQNDXC*D"S;ZGIM[/<VMIJ%E
M=W-FML]Y;VUU!//:)>Q&XLWN8HI&D@2[@!FMFE5!<1#S(BZ9:D^;^5Z-WT:M
MMO=:/573:=M=FF%T]FG?5:K57:O]Z?W;E^BJ%QJ&G6MS:6MU?6=M=ZA))#86
MUQ<PPSW\T$+W,T5E#(ZR74L5O$\TT<"N\<"/*ZJ@+5SVO>/_  )X5N;6R\3^
M,_"GAN]NT$MG9^(/$6CZ-=W,;N\226UOJ5[;331NZ21(\<;JSHR@EE(H7.]%
M"3=KJR;NNKNHO2WKKI=+4+KNNSU6CZ:7ZG7@Y /K2U%&\<T2/&ZO&ZADD1@Z
M.C@.KHZ_*Z.I5E92592"I(YJ6A/?_@_CY]UT"Z[K7;4XWQ\!_P (3XPSC_D6
M/$')X  TF]'..V!SCI7\UO\ P1:E\O\ :7\=PJ^UKCX-:DP7U\GQAX;5F ]8
M_.4C.!R>><'^E'Q\X7P7XP!X*^&/$!'')']D7KDCZ @<=3]*_F7_ .",SY_:
MK\1@$_-\&?$RD@YR?^$K\(Y)S@G&>N",BOZ"\+X\WA%XYK7_ )%7#\^MGR8A
M2:UT5UHWT3;Z7/X>^D+4Y/I-?1"E%M7XAXOC=='*@H7VU2?35-JST;.V_P""
MDGP3\4?LK?M)>#OVL?A#"^DZ5XM\36VOM-9Q,MAH?Q1L%:YU.PO%0A!I7CW3
M5NI;F!RJ75Q_;4;+FXB5OWT_9Z^-7A?]H7X1>"_BOX4E3^S_ !5I45Q=V&Y6
MN=%UNT/V;6]#O0I8QW.E:E%<6T@. ZHLB@Q2QLT/[0WP1\.?M#?!_P :?"GQ
M3&L=IXGTIDL-1"I)<Z%K]H?M>AZ[9[@&2YTK4HX)QM=#-");>1O(DD!_!W_@
MFA\;O$G[,'[1?C;]D?XOR2:3I_BGQ)=Z-9PW<VVQT#XI:81%!)9N\I1-,\>:
M3%"MK)'D75ZFCE&9[V1C$F_%3PN4FW6XY\+<.HO>IBL[X*JR5FH:U*]?(ZT6
MGK.4</#FT2'!+Z.'TB)4W;!^$/TA\PG4@Y-4\!PGXJT.?FI\_NT,+@^)*,[P
MU@JE6ORI2:NOW>^+O[+/[-7[0&IZ%K?QS^ /P>^,.L>&;2XL/#VK?$OX<^$O
M&NHZ)875S%>W-CIEYXATK4+BSLKB\@BNI+6"18'G03,GF$L?;H[:"RMX+:SA
MCM[:".*W@MX(TC@@MXHQ'#!!#&JQ0Q11HD<4:(J(@5$ "@"99 H (/&0>_0
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M,$].?8$ \$=,D_T[Y/\ /?\ \$.L#4/V@P3D_9OAX#W(PFMY..3R<@=<] <
MU_0<6!4]22...F /8CG@9]OPKYKZ0G_)VN+KN6D\#=WYFDLJPZNWI=>X[;7Y
M4K[W_0?H1M/Z-/ASK;W<]OO]KB/&M;K7^):_7J]S^<;XH^&?CU^SA_P4B_;E
M_P""A?PT^#'QC^)6D>$7_96^&OQ$^&?@7POJ^J:K^T5^S]XA^!KVFKW'P@TF
M6*'3O&?Q'^!WQFM?"^N[]*N6GM?"^I?$+0K^XCEN+6V;YUU3]C3]LBUD_P""
ME&N0^$/'VL?M/?M7?L@_LH?%+XOZ[X7O-5T;2_%WC:[^/GQ,UKXN_LU?";QO
M<W&GZ1YWP\_9SL-,^!OAG2]*U>RNKJW&FZK?M9WGBK[4WW=JG[=WQ9^!_P#P
M5!_:8\.?&KX@Z1#^P;H4W[._P<CN-8LM%T:T_9T^,'Q*^"U]\5?#/C[Q)XN^
MS6]R/A[\5+_2/$/P^U.X\07\UKH7CJX\!PV<UG;ZY)%-\4^./^"A'[;NH^"?
M^"E?QDM?B%J7P]\,3_LM_LY?M$?L9?#NV\'>$X/%'P=^&OQ.^-WCCX7>%]?U
M>;Q#I%TVK>/OB_X,\(6?Q(NM.\5M>:3X7/C/2M$2"V;2[N=_D,.LRY(<E/+K
M2P&51]O.4E[;#JOAY8;"25.";Q&%J/V^)6E2%.M%U:E2FJ#/Z0JO"\UG4Q3E
M]8Q+5.*;]G5Y*CJ5%S-6I5(I4J6].33C%)N=OMW1/"WPJ\?_ +6G[&GB;]AW
M]G7Q9\&]"^%.D_%V/]ISQ/;?L]>+OV;O#=K\'M=^$NL:#X9^!OC2S\3^$_ L
M7Q(\877Q4D\(ZYX?\.Z99^+F\'3>%]8\1MJ.CQ7*SZO\5?LV?"=-:_9%_P""
M?WPN^ G[-WQ#^''[=?PN^+GP>UWX@_&";]GWQK\&(_A!X/\ #OQ:N=8^-\WQ
M;^*'B;P?X0T[QYH/C/X40>(_"<GP\M=6\93>/M0\0Z0(].00C7M*^POVK_&7
M[4_[-7[#O[5GQLT7XG?MC>#OB!X<\,?"W2/ ^J_M"ZG^R#XNL=)O_%WQA\"^
M'-:\0>"M.^"]EXABC\06FBZK?Z7(/&T;Z;Y>I1/9:?=74;S6OJ_Q/^+'QV_9
M3_:"\,? .R^/_B;X_>'/B]^RY^U7\6%'Q(T3X?R_%3X%>)?@7X:\/ZMX6\>)
MKW@+PQX1L=5^'OC34O$DWA4:9XQ\+7#1>*--L'T77Y87U72#Y\)U/9QHTG1J
M.-:I3I.=?$S=25"$XU9UYNG*%:DO[02A3J.,9*$8Q<DY<_1RPNZDO:Q4X1<H
M\D%R\\H2@H+F]V=Z+3E%.2<V[V2M\B>,HO%/@O\ 84_X*0_L.:G\'?C9<_M%
M_'+XP?MW#X,>"_#WP>\>^)O#/Q,T3]ISXF^.O$_PJ\6Z!\3M&T2[^%]OX4N-
M'\765QXNU7Q)XPT*7P1/I^N6WB.TLKG3XH[SZ _9_P#'.E_LH_MN_MX7'QL\
M+?%?P]IOCSP)^P?9^#?$?AKX&?&?XC>%_%LOPV_9]U+POXSCT+Q+\.? 7BG1
M;UO#6NRQ:;J$9NXYX;B9(_)).%POV;?CU^T;^USK_P"R)\#O$W[0/B[X166O
M?\$NOV=OVQOB#X[^&NC> -.^*WQQ^*?Q5U";PQXBMM.U7Q9X4\3>'/#7A'P'
M+H,>N>(].\'^$H[^\U;Q_H,%YJFD:1;V=AJ_=?'S]K3XD? +]EZR^%]E^U/X
M'^,O[1WQ=_:*\;?LR?"?XZ?#_P "6WB?6OAMX?T?6KRZ\>?$?XJ?#OP':^)-
M'UWXE?LR?#6UU>;Q_#H7AK3/#.L_$BS\):;JOA;P^OB.[TZ-UU4JU:F%G2H>
MVQ5652M&E4KJ,)5I1B\1"HL/*G&A3AE\YRH)SJ1CSN,I3Y:,*I^SA"%6,IJ%
M."A%/V;YHP<I>S<74O*;G5_BIJ,MFHQ3D?/W[5?PL_;&_;4^/7Q%^/?P8^#
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J07V'.;A9/1*#;BN564;+3[K"C!2;48IMJ[22;LG9MK=ZM?,6BBBH+/_9

end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>9
<FILENAME>ex5-1_001.jpg
<DESCRIPTION>GRAPHIC
<TEXT>
begin 644 ex5-1_001.jpg
M_]C_X  02D9)1@ ! 0$ 8 !@  #_VP!#  $! 0$! 0$! 0$! 0$! 0$! 0$!
M 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0'_
MVP!# 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0$!
M 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0'_P  1" #Q G # 2(  A$! Q$!_\0
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M[;6RUZ_\$.9=U]Z/Z^/MMJTC1-/$98_OQET#H<[?F7DCG Y[\=:<;FU09,@
MP[9!4C;%CS6SQQ'D;_[N1GK7\?W[$'[>?_!<+P%^V=\(/V4_VY/V=IO'?@SX
ML:S'!/X[M] CTM/"FE6*![_5!XDT^==%EM-- \UX;EENKO($*SM\M>V_L/\
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M@S^Q#=GX?_#C2M5L_#$GB/0]-NK[.H:I)J,YN+X:I([.\M^VV-HF!\OY22Y
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MZ=X7T2_\=^(KGQ!=>%/ ND7=S=W&D>#=$FN7BTC3WN)1;1OY:E0 *@#\-_\
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M&:5!!'#:C3M)ACC349'2:2YOR3%)&@\NOR?_ ."67Q ?]EG_ (*??!'XF?\
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MET]X!JG@?XE:-H9DOM+FD*N()-/U'8\<,R$2(6"L,9K^>+_@K3X4^'O[3O\
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M#$KZ?<:/J=KH7B[P!9^)]1@\0W4\OE/>1>=)<6\MNK1^4Z*<8 HY,9_/3_\
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M7Q-<ZYJ<\UCJ6@VHCNM/2&/9&C!R?>M&_;?^%&HZKIN@7T7B[0/%6H37,?\
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MW5]+=+LYJV&C74HRDXJ>DN5:VM9V=]';K9V>I_FI6O\ P;=_\%3(RL<GPW\
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M;I>M:IXBM=8\9^.O'\FJZO!#:71O?'OBK4_$NH6#6\*J!'8W5^T4#'(";E3
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M);;^T(%NWU2"V6$W%JKX::,-\@7_ /P3<\2ZIHW@?PW=_$JQL="^"%QK>J_
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M"W@'X>JVF>&UL[37_$_@7Q)!X@M+Z]B0)$-&OA&UI)8K$\JSE;A(MYX /8/
M_P"WW\-_+^)"_&37_#W@*;P;\7/%GPWT>UMS?7TVLZ5I,NFV>G:O=6EM!/<Z
M?#J6H:MIUC;7=TD4%Q?7,-K$[S/MKZ+\!_M'?"KXH>+]0\$>#_&NB:QXDL=.
M;6;C2K3SY;Z'2&N%TN6:T8Q+:74UI?1O:ZG;1R->:;*,3PH":_'KXB_LE?M$
M>%/BX_C>TT7PM\3O[8\87_Q,FT%O#]R-&\4ZA=ZUX9D/@/5I[407MA;Z-_94
MWBJTN9K>:R-_86:%C*!M^QO@Y^RU\3?@0\,/@"V^%-[J#>/9KD^*=3TD'QE;
M^!?$6H1Z_P")M U/6AB22YT.2>/2;)T,RWTD7VJZDB>1Q0!H^//VP[+PO^T9
M\1?@)KOP],'B'P[\,;GXB_!OQ-J>J1WGA/XJW5GI]]JWB_P1;:A=V4C^'_%^
MD:=I]H=2LI)X"_A_5MVGI+=DBNX\#_M+2ZOXC^,FG>*_ VD^";+X2_#7PU\3
M_$6N6-[;ZY<W,7BO0=0UF^LYH;ZTTX26VFV&G36=P@FD%Q--;(6+D5Q'[2G[
M%5]^T#9_'--9\>6VA:KXGU+P!XB^#/BC1-'>+Q1\-/%?@C2KG3M2BBC10EW8
M^)+2ZGL=3CAF:+4[:X5;DM]FC%-^!?POUWQ]XB_:5O/B7X+UWPWX0^)O@7P3
M\(OLGB4I)JFIV>A>%]8\,Z[=110,8X[+4WO(]2TXM/YP:*-9XXN"6G8#S75/
M^"BFF^'/!]CKOC?X=V?A6/Q+\.O"?Q=^'EYJ5[/<>&K'P1XEOY]-L=3\:7<<
M,I\/1:&?*N];M;:?S[.UN8F^W1P*D=:%E^WMIVL>*_A3X*B^&.F:QK_Q+T.Q
MURP\-+JEN=3\=V>JWFM64'BCX53&";2_$N@:?)HMY>W,:3W$VF66J:;>7&RX
MN%B%*_\ ^">OB/6-+\(6>O>/-.UG6?A7\-_#?P=\ VMQH\<_A[Q1\+/#VH7,
MUUX>\<Z6J36=[<>(]+:RTW6Y 92HLD>)V<DUA#_@F=*S^&=(A\;V5F_AZWM=
M9\#^(X(;@^+?@)J]AJOB&_;1O@_J!$(TGPMX@M-:M-+UO2KF=(H;72+4VL4S
M4^9^7X_Y@=K;_MQ>)4\6W'P_U_X+V>B_%+5_%7@_PAX-ALM9MKVUN=<\56EP
MTOAWQ-KWV0?V?X@\.:?;+<Z]8PS+:0HWV>3_ $A5C/VO^RY\8-*^-OP_OO$M
MCIK:/JWAGQ9XJ^'/B_19$A+Z1XT\$:Q-HWB>WMKJ$*NH:9=7UO%>V.H.HFO$
ME9YE5T*CX>\._P#!/SQY:^(+#XDZM\2["_\ B-X3\2> ?$'AC[/:./#DNK>"
MK6:SU?Q+X@M)OW^H>)O&<,[2:MJ6T[)@-A=2:^W/V7O@A'\!O ^K>&6U-]6U
MSQ9XU\8?$;Q;J+H(X[GQ/XSURYU?4&M$"X6R0W ABWXE_=C* ?,4W?7\M /J
M"BBBD 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %
M%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 44
M44 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 0S0).,2;L
M $  D#)Q\V.Y&.,U6FTZVGPLB*4V%"H!!92!\K.#G&<DC'))S[WZ* ,::T6V
MB"1)%Y;.D<A*?*8L* C)N(/  \P%<9/%9<D&GQ->01Q01;7CB,CSA8UE:%IC
M#(2<@JHC*)C.R16R/E!V;GB60O(40H$PXQ'@@?.&Y!?L#TXP5)!%?D'\>OAY
MX>L_VY?V8?AQ%X_\:6VE_&?PW^T7XC\9Z OC">W:[N=/TGP[_8FJZ=;K(CV8
ML;BXFM]-S;W" HWEJ0,  _7*U@M/+;%NF[*R$.9$D!)X=_.5%51Q]POQZXK+
MN)+>W28DVT4EJ _V@QR);^<&PR23E& 6%B@\X+)M;JHQ7S7XU^.FI?"36M ^
M'%O\&/CE\1[9-'LH4\5^$] L=7T" F[2T;^U-5O]3M;F6>.,B22XBMG90C.M
MN^0H^6/VIM;TKQ7X\^-^A_%CQ'XO\,?#CX9_ ?PMXSTL>&O$4_A#4M:UC7=;
MN#/I]O=6<DR33W>I1:3H]E,@^6>>:W<2^8&4 _4!;FWCD)>Y"/B2X>5[G>YM
MHS'$\RF)1*;.265%$I4 ' XZA$>"5&7S[40$.]S;I%$PE\H237$J0J#,VY%B
MD+!R9!M9L96OYZ[5K7PGXM^#WA+PA\;?B;X;\:Z]XSU#POXC\1>*M<N-:/@+
MQ]XG^#>LZ_X=^&=_X>NYG%WX-CL+JWU#6?%,TGV*RU"QCG>>U)7;W_P5\:>)
M-!\3Z?XZ\%?$RW\>^'KC]H;X=?#+P]X9T?Q2?$T^H:9<^&;3PO\ %'Q,ULMY
M=WFDV&M>(K&XU/3;/6#$Z0(E[:P-:2_, ?NM)<PO/L7[,TWV=;EXS@R-'(4C
M21;:.0W,+1*Z,<_=3+L5!Y;#+&C;05ECDV2VZ1S+="1;0/YK%D:2.+?OW(6F
M:8L"@CR,#\*OVD?$\MY\>];L/@;\7O%.A>./%7Q ^-7@VWUW4=96*PTKXJ:-
M\-=!+_#6[T23 T/X?:3I-Q-JK^-+TK9_\)%>V&GQR+&TLR>96_Q(^).B>$?V
MF8==F\0>%O /P>N/A+\0K7P?J_Q1MK'Q7XUC\)^$?MGQ T3P3X@T6[O[?4I-
M?\2RPRW4&GFX@LWD33"99;A98@#^BMD@DA!)C\EEEF@B(W+MM]A:157R?+D,
MC;279OF +9.:KR/!*[-.R(&B:.0%@[BZ \T1/LC3S (%\R7RV(0X'W>1^4W[
M5'[5&N67[+7Q(FT3PO\ %;X0ZB_A/1'TGQGKGAV>'35T6^TBSU:\GT?4[>XN
MYXKVWBEBL[Q]1$4CSB5R SX7X\^.'[;?BY]1^&6L?#?Q1X^L3??L??%#_A _
M"5WX)UY)O&_C^WT7PE/>?$BW2:&(WFC:%8W]ZMOJ%RT327$-UN1+<QSFHTG4
MO:IR<METUO=]4]K ?T.K-9$O+;I:/'+!Y0EAE2:V>158LD5Q&S1J[ #F?RE4
M$$DGKJ6,\<CM#%'Y26I&S>P9[A72-A/&RDAH"6>/>"?WD9 R#FOYZ]2^(/C/
M2_CY\-/@SI7B76;G]GKXB6G[/NL?%+Q1!K5PEMI>KZIH5S+?:1>ZK$RQZ/'X
MHN+:&>YM?.283LMMRTH*_IA_P3O\8>+O%_P9\9CQ1>ZIJUCX7^.7Q@\'^!M:
MU<2/=ZSX"T'QE?V7AR^ANY0&U#31##+;:;?)MCG@A9-C-#YC$H.F^5RY]G?3
MKTT2VM^('W[1114@%%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4
M444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !11
M10 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M !1110!6GB#\D!ATPW(_(Y Z9R!]:^-OVH->^%_P=M-"^/\ XP^&$/CKQ9X:
MUGP]X#\+:KIME:OXE\.-XPUNTM/)M-5G>$VFEW4\L<EZA=E!41D^7\I^TJ^)
M_P!MWX-^,?CW\&;[X9>"1H-S?:MXT\#ZU>VGBF>\M-'F\/\ A_7H-1U_R=1T
MQXKRTO8X+;%N%D5EFP5Z$T >V_"_QUJ/COP_?ZA<>#-7\(K;ZK-::?8ZA-:>
M3?6D,GF)JEC<V4IAGCG;+%8Y C<@$ XKR[]H'3_A+X;.E_$#QOX:7Q'K<L^E
M_#[1-&2&*5?%$^KWL6HZ1X?GTF4/;ZA;07ZI=03%6>PF5;J-U9"3/J_[.^BZ
MQ\&_#7PBTSQ)\1/AMHN@VVFO;7?@+Q-=VVN62KG-@FI-;7\MQ9,"1))<2N-N
M=ZX QYA\3?@'J.F_#;X1:#X/UCQIXZU+X.?%W0?'6GW/BOQ"FK^)_$EIIVIW
M%CJ^GWVK:DL.Z%=/U(LD$:-*Z0(EH%D2/: ?,NM?M)>$YO&OB_4?'O[$OC;0
MO%>C>&O$,FKZIKMOHMY9RZ!9:#JD<\]YJ<4K6=K>:QX8L[K3]$M+Z#[?J1\B
MQ\R4-L.5X0^/_P"R;X9U[P/<?#7X)WWA3P_;:IJ(\/7^D:/)H;_\+!T_PO'K
MFHVVK>&XHH[RXU73?"UQ;36&I7*S6[W0D0 QQQHO4^.?V3_VCO$.C>/[E_%G
MASQ)/\5_$OQ0O/'WAF=[W3K.XB\6>'FT3X0:X-9G$%S;V?P;DBAUY/#\=OLN
M=60R)+B>829$?[/G[57A;XD:%XRUO2?A/\0?#7P^^%<W@OPUK]E!J$'Q(UOQ
M1J7AZ+PGK'C.33HBFD_VQ>ND,=AK>JQW#6VCQB(8>4, #VSXR?$'X,?#_3=$
M^+\/P,@^(MM\2/!NKZ[KGBW0]'TI9+?PPPT6+6'U?4FB5;W6]?CFCLIK9(?M
ML_V.:T>1XP4'E7@+XV_LA_$75O!'AC3/@YI=I\/4N_B%<_#77[[1M-L[/4]5
M^'>F2:UXSTN2PN(4NK2!%=HX[.ZW13:OIOVEXVM51*WOB'^RU\9=3^#/P:^$
M'@[Q3I)\/>&_A3?> _&ND:O+?6T6F^+;R[TW4-*^)5OJ-M&]Y>7.@W,5Q=W>
MEB;]\MTM^!Y,,T;\9H_[#_Q(TCQSI_Q"M?#_ (&EU;X91>)+CP]9WFI>(+OP
MU\9?$?C70[;1?$'B/Q=X?F0Z5X/U.XTV&\AF;0[6#2K^YO8Y+BW='8$ ^\?A
MKXLT3]I3X1+K_BSP/_9/A;Q;<>([,^#/$S6=]:ZKX;A<6UK?W\<+26J6.H64
M<%VEM<*LR1R"$LCAL?-MU^TK^RU:^!)_CE>>"_M4/PO^(+?LO^&;J3P_;2:E
M+JVM:AIOA#5=)\':9'$TMIH-XE]'92S!DLYK5$CE8I$H!\&/V.O$/AW2->UK
MQ=\2O'?A77_%GCCQUXSL/!OPR\0W-CX(^'VB^-8UMX/!.CZ3<P7<'B"RTBTL
MDGM9+J$6\6JS7YMHH8F /R=K7_!.#]I5?A_\8;#1OCI9#7_$'QCLO''PZ\/M
MI>G6_A/2?"4'B#P]KCZG?M';K.GCF2+1)G*VYCTO[3*TDD4@8T ?4US\;?V;
M=$UOQ)\*8?AC;2>#)?B(?AI=ZS;V-M/IVO?%?3--?7K#08X6(:?4-,@==+BO
M5N?+T_4I1%9)%,B[?KK]ESQQX6^)7P9\#>./!6@R>%/"NNZ&7T7PY<+'!=6$
M%GJ-WI]QY]I !!!_I=I*$P/,D9Y9Y&:6:5Y/@?3OV'?B*)[7P/<^(="UKX?:
M1\?!^T-9^*;V*6+Q3J'C"?2;PII#1VH2&.!/$SK=7NJP1E;N")7@A,ZAJ^T_
MV,?AAXN^#?P%\"?#?QPFCIXB\+6^JZ=>KX>O]0U31'276+S4[>YM;[5H+;4I
MI+VVU&&>=)XC#;2B2"%\#% 'UM1110 4444 %%%% !1110 4444 %%%% !11
M10 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
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M0 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
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M@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ****
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M4MW=P.YHHHI %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M%%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4
M444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !11
M10!'*"R$#Z_E7RC\=/VLO ?[/NH+:^.-$\:S::(O#<=QXAT/PW>:KI-M?>,=
M;?P_X=L&O+17C^T76IIY,R,-UI$RSS81E-?6)Y!'J#7PG^W?\-OB'\2_@[:>
M%?AAX>@\0^*;OXG_  MUN2T_M&#22-'\(^*;?6KV:ZDF#I) D<$BI&OSO+(&
M.%.X 'TQ\._B39?$7P^=?@TG7_#HM[[4;"_TGQ%I$VFZA:2V;L@,D$B&3RF*
M@Q3+E9 =RX %9_Q-^+WAKX1^&I/%7B^6:WTAKNRL;62UB-Q<7%Q?&1Q]FMUS
M-(UI;PS7=Y\@6WMXVEE95.:Y7XC^!?B#X^\,Z-8^#_B;XA^$.IQSV=U?:EH&
MGV5]<Q6J6(A.GW7VS*W!GO/G>4[I#@8RW7YU^-7PC\=V_@WX#7FIZYJGQ?N_
MA-\4(=6\<W>J:);2ZCXM\/7VFWNBNFIZ=:RQV\D<37T+W.[-JUJDQN%(PI:U
M:7=H#I(O^"A7P 47LEW>:]8>1/\ #^32[>YT2]:X\1>'?B;KC^%_!WC;2Q:0
M7,<_A;5/$,;:>^LRRP6UD0)[TP1E6.FO[>7P,7Q2?#'VG6&DNKR_M=)UI]-D
M_L?Q#_8FJ#0_$5QHMZ T5TGAW5Y(K+4DD%K-%YR3>6T+)(WYVK^S-\?M5\&_
M&9IOV?=&\ >*_$WQ+^#$7A&VT[QK87L$'PU\ ?$"'Q%%H^B1RF"ULM.M-,FN
M)[_39H)+2^U!T6ZA9HHU,WQ+^!OQAUOQ9\;+A_V<+/P?X9U_1]3\%_"+5]$\
M66>RWUGQMKUG<:CXBN=!M+>%[34]>NHI=2NK_4)7DLK8013S*HBC2I123:;?
MS0'Z;?%O]KSX6_!SQ9:>$O%J^(#<W.G^'=5N=8L]#OKCP[I6E^+-9;P]X<O[
MO6+>WDLA_:VL*UG'"DCRQ%%FE1(6#'@+;_@H'\$9M4GT.1/%ECK,\-C+X5TG
M4_#US;WWCV35=='AC3;'PK#-Y33W%_K>+:&*58G$9%RR^4RD^"_M _";]ICQ
MYXB\*>&/ \6C7/@_P5I'P5G^'6O:BZ1Z=HWB_P -W=S:_$27Q_I\I$^IZ?J>
MEI80Z#9S+-#;S/=WL2K>QJU>4ZI\%/VL=1U#X@>/-:^%/A7QYXRD\$:=I-OI
M.L2Z3):7_P 7;'Q+'=^&/B%X/M;T2Z?X6T/P'I\<T\.D6K0Q^(-2E@O+L">U
M&8 _2KPM^T[\-/%?PCNOC=%J3:7X&TG^UK7Q)_:T3Z?K/A+5]"O7TO5="UF&
M8K]FU:TU)'L9;)MSB1&PPP17':'^VI\(O$5]X*T8?VUH^L?$#Q3XC\%>';+6
MM'NX[=M:\+>&&\9ZO9ZS=+$UMICCPRAUBR>>8I?VZ_N6W BOE'PK^S3\9X_V
M7;;P792+X'O[KX>^*]'\0? [79M'\5>%_$&O>*M?N+WQ)K/BC7#;";_A(;I[
MBXU3[="V;*ZOHH;:0>5\OBW@7]C7XU^%?#7P;\#:!I.MV?@7PW\7/BOK%E#X
MH\4B3Q1\-?"WCGX,ZKX+M+JZU%)[F[UVXM/%>K75U"[//=V6@-;0RCRT11<8
MJ5[WT[?,B4G&UNI^BS?MH_#)-'GUI]-\5)I\VK:;H7@[4#HTDUK\1M8U66:*
M'2O!#P-*=5G3R)I+B*)%:""/S&.WFO>/A)\3_"WQ>\)0>,_!TTLFBSWFHZ:T
M%U +:^T[5-(U"ZTO5],OK=B9H+JQU&SN;>:*3!#Q$XP17X??"W]C7X_?#[6O
MA'XIMM)U6R\/_L[_ /" 76C_  _76XM4E^(OBGP\^IZ/XS\3:)]IGDMH)+[3
M+V;4+*6=X&F*[2/. %?J9^Q1\)]>^$7PQ\5Z?XIB@M/$'CGXN?%'XIZAI=I,
MMU9:(OCGQ;?:C9:18W2L?/M8-,2PN9)0%BFU2[U1K?,29I223LK[7U^8XMM7
M?<^S****DH**** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **
M** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHH
MH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@
M KR/XMR7MI\/OB)>:3?RZ1J%CX.\4:E!J=NZ1R6>H6>C3W-C>M(Q8H+>6) (
M^%;EWP17KE<OXE\,:1XITO4-"UN![O3-<T[4=&U.V\UHUNM/U*W>TNH7:/:V
M6@D9$<'* Y&3S0!^9G[!_CKQ;X@^$,/QE^)&N_%R[BTCP-8V7B5?%S6FL:'X
MNU"W5=5NO%7@6PLH5N)%AE+VD MV<N@4K^];;7O^G?M<?#WQG\/?BEXM^'UG
MXRU.;X=^"]:\175IK_@[6/#/VD6MG<-BW_MN&,:FWFJI$4 =71&YZ&OH[X??
M"CP9\+?!>@?#WP-I)T7P?X7LAIV@Z*MS/<V^FZ>)5E^Q0&Y,CBV+(JE"Q)CR
MNX9)KJ]2T/2;W3+S3+FPMS8WNGS:5=1I F/L5Q!):O$0%&8PDK%E8$')RI[
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MNDI#X7\%3ZOXJU/2K2#XBVX@2XUZ34IWM=!OI[?"Q7T(N[9F0S%/URD_9?\
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M=/\ HD7A?!P.2,WK<#K]YL#JQZD_X4Q^T^1N'[7=T5[,/A%X7*GZ$7>#^!H
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M7]#_ (4;U]?T/^% #J*;O7U_0_X4;U]?T/\ A0 ZBF[U]?T/^%&]?7]#_A0
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MJWA[2O$L7B#2;/3-7M+?4;*>34K2(B&[BCN&L9-\P874#3K'=0D;H)B4E"'
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MZMJ/A&STRZ\QW33(= NK&*PTX16_]EQ0/:S"XF_?L ?9-%%% !1110 4444
M%%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4
M444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !11
M10 4444 %%%% !1110 4444 %%%% !1110 4444 %(W0_0_RHHH K0_ZT?\
M;+^M)!_J[+ZW/_H,M%% $=Q_QZ7/TE_] -2C_CZC_P!U_P#TGBHHJGU^7Y1
MK1?\A#\5_P#1)IR?P_\ 7I'_ .E$E%%2 Z+_ %MK_P!>5Q_Z,2FQ?\?,7_7(
A?^@&BB@".#_CQ'^Y/_Z+:I+/_6+_ ->%E_Z U%% '__9

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