<SEC-DOCUMENT>0000950103-25-013514.txt : 20251022
<SEC-HEADER>0000950103-25-013514.hdr.sgml : 20251022
<ACCEPTANCE-DATETIME>20251022154908
ACCESSION NUMBER:		0000950103-25-013514
CONFORMED SUBMISSION TYPE:	424B2
PUBLIC DOCUMENT COUNT:		5
FILED AS OF DATE:		20251022
DATE AS OF CHANGE:		20251022

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			BARCLAYS BANK PLC
		CENTRAL INDEX KEY:			0000312070
		STANDARD INDUSTRIAL CLASSIFICATION:	COMMERCIAL BANKS, NEC [6029]
		ORGANIZATION NAME:           	02 Finance
		EIN:				000000000
		STATE OF INCORPORATION:			X0
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		424B2
		SEC ACT:		1933 Act
		SEC FILE NUMBER:	333-287303
		FILM NUMBER:		251410017

	BUSINESS ADDRESS:	
		STREET 1:		1 CHURCHILL PLACE
		STREET 2:		CANARY WHARF
		CITY:			LONDON
		STATE:			X0
		ZIP:			E14 5HP
		BUSINESS PHONE:		0044-20-3555-4619

	MAIL ADDRESS:	
		STREET 1:		1 CHURCHILL PLACE
		STREET 2:		CANARY WHARF
		CITY:			LONDON
		STATE:			X0
		ZIP:			E14 5HP

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	BARCLAYS BANK PLC /ENG/
		DATE OF NAME CHANGE:	19990402

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	BARCLAYS BANK INTERNATIONAL LTD
		DATE OF NAME CHANGE:	19850313
</SEC-HEADER>
<DOCUMENT>
<TYPE>424B2
<SEQUENCE>1
<FILENAME>dp236192_424b2-7922ms.htm
<DESCRIPTION>FORM 424B2
<TEXT>
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  <TR STYLE="vertical-align: top">
    <TD COLSPAN="2"><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: red"><FONT STYLE="font-size: 9pt"><B>The
                    information in this preliminary pricing supplement is not complete and may be changed. This preliminary pricing supplement
                    and the accompanying prospectus, prospectus supplement and underlying supplement do not constitute an offer to sell
                    the PLUS and we are not soliciting an offer to buy the PLUS in any state where the offer or sale is not permitted.</B></FONT></P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: red"></P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center; color: red"><FONT STYLE="font-size: 9pt"><B>Subject
    to Completion. Dated October 22, 2025</B></FONT></P></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 50%; font-size: 10pt"><FONT STYLE="font-size: 10pt; color: gray"><B><IMG SRC="image_001.jpg" ALT="" STYLE="height: 45px; width: 181px"></B></FONT></TD>
    <TD STYLE="width: 50%">
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right"><FONT STYLE="font-size: 9pt">October 2025</FONT></P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right"><FONT STYLE="font-size: 9pt">Registration Statement
    No. 333-287303</FONT></P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right"><FONT STYLE="font-size: 9pt">Pricing Supplement
    dated October , 2025</FONT></P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right"><FONT STYLE="font-size: 9pt">Filed pursuant
    to Rule 424(b)(2)</FONT></P></TD></TR>
  </TABLE>

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

<P STYLE="font: 12pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #296DC1">STRUCTURED INVESTMENTS</P>

<P STYLE="font: 12pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #296DC1"></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #296DC1"><FONT STYLE="font-size: 11pt">Opportunities in U.S.
Equities</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #296DC1"></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #296DC1"><FONT STYLE="font-size: 11pt">PLUS Based on the Value
of the Russell 2000<SUP>&reg;</SUP> Index due December 3, 2026</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #296DC1"></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: gray">Performance Leveraged Upside Securities<SUP>SM</SUP></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: gray"></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: gray">Principal at Risk Securities</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: gray"></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Unlike conventional debt securities, the Performance Leveraged Upside
Securities<SUP>SM</SUP> (the &ldquo;PLUS&rdquo;) will pay no interest and do not guarantee the return of the full principal amount at
maturity. Instead, if the final underlier value is greater than the initial underlier value, at maturity investors will receive the stated
principal amount plus the leveraged upside performance of the underlier, subject to the maximum payment at maturity. However, if the final
underlier value is less than the initial underlier value, at maturity investors will lose 1% of the stated principal amount for every
1% that the final underlier value is less than the initial underlier value. Under these circumstances, the amount investors receive will
be less than the stated principal amount and could be zero. The PLUS are for investors who seek an equity index-based return and who are
willing and able to risk their principal and forgo current income and upside above the maximum payment at maturity in exchange for the
leverage feature, which applies to a limited range of positive performance of the underlier. <B>Investors may lose their entire initial
investment in the PLUS. The PLUS are unsecured and unsubordinated debt obligations of <FONT STYLE="background-color: white">Barclays Bank
PLC. Any payment on the PLUS, including any repayment of principal, is subject to the creditworthiness of Barclays Bank PLC and is not
guaranteed by any third party. If Barclays Bank PLC were to default on its payment obligations or become subject to the exercise of any
U.K. Bail-in Power (as described on page</FONT> 5 <FONT STYLE="background-color: white">of this document) by the relevant U.K. resolution
authority, you might not receive any amounts owed to you under the PLUS. See &ldquo;Risk Factors&rdquo; and &ldquo;Consent to U.K. Bail-in
Power&rdquo; in this document and &ldquo;Risk Factors&rdquo; in the accompanying prospectus supplement.</FONT></B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top; background-color: #296DC1">
    <TD STYLE="border-top: #4F81BD 1pt solid; border-left: #4F81BD 1pt solid"><FONT STYLE="color: white"><B>SUMMARY TERMS*</B></FONT></TD>
    <TD COLSPAN="5" STYLE="border-top: #4F81BD 1pt solid; border-right: #4F81BD 1pt solid">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top; background-color: #DCEBF4">
    <TD><FONT STYLE="color: #296DC1"><B>Issuer:</B></FONT></TD>
    <TD COLSPAN="5">Barclays Bank PLC</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="color: #296DC1"><B>Reference asset:</B></FONT></TD>
    <TD COLSPAN="5">Russell 2000<SUP>&reg;</SUP> Index (Bloomberg ticker symbol &ldquo;RTY&lt;Index&gt;&rdquo;) (the &ldquo;underlier&rdquo;)</TD></TR>
  <TR STYLE="vertical-align: top; background-color: #DCEBF4">
    <TD><FONT STYLE="color: #296DC1"><B>Aggregate principal amount:</B></FONT></TD>
    <TD COLSPAN="5">$</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="color: #296DC1"><B>Stated principal amount:</B></FONT></TD>
    <TD COLSPAN="5">$1,000 per PLUS</TD></TR>
  <TR STYLE="vertical-align: top; background-color: #DCEBF4">
    <TD><FONT STYLE="color: #296DC1"><B>Pricing date<SUP>&dagger;</SUP>:</B></FONT></TD>
    <TD COLSPAN="5">October 31, 2025</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="color: #296DC1"><B>Original issue date:</B></FONT></TD>
    <TD COLSPAN="5">November 5, 2025</TD></TR>
  <TR STYLE="vertical-align: top; background-color: #DCEBF4">
    <TD><FONT STYLE="color: #296DC1"><B>Valuation date<SUP>&dagger;</SUP>:</B></FONT></TD>
    <TD COLSPAN="5">November 30, 2026</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="color: #296DC1"><B>Maturity date<SUP>&dagger;</SUP>:</B></FONT></TD>
    <TD COLSPAN="5">December 3, 2026</TD></TR>
  <TR STYLE="vertical-align: top; background-color: #DCEBF4">
    <TD><FONT STYLE="color: #296DC1"><B>Interest: </B></FONT></TD>
    <TD COLSPAN="5">None</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="color: #296DC1"><B>Payment at maturity:</B></FONT></TD>
    <TD COLSPAN="5">
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">You will receive on the maturity date a cash payment per PLUS determined
    as follows:</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"></P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.25in; text-indent: -0.25in"><FONT STYLE="font-family: Symbol">&middot;&#9;</FONT>&nbsp;&nbsp;&nbsp;&nbsp;If
    the final underlier value is <I>greater than</I> the initial underlier value:</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.25in; text-indent: -0.25in"></P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.5in">the lesser of (a) $1,000 + leveraged upside payment
    and (b) maximum payment at maturity</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.5in"></P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.25in; text-indent: -0.25in"><FONT STYLE="font-family: Symbol">&middot;&#9;</FONT>&nbsp;&nbsp;&nbsp;&nbsp;If
    the final underlier value is <I>less than or equal to </I>the initial underlier value:</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.25in; text-indent: -0.25in"></P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.5in">$1,000 &times; underlier performance factor</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.5in"></P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><I>This amount will be less than or equal to the stated principal
amount of $1,000 and could be zero. <B>Investors may lose their entire initial investment in the PLUS. Any payment on the PLUS, including
any repayment of principal, is not guaranteed by any third party and is subject to (a) the creditworthiness of Barclays Bank PLC and
(b) the risk of exercise of any U.K. Bail-in Power by the relevant U.K. resolution authority.</B></I></P></TD></TR>
  <TR STYLE="vertical-align: top; background-color: #DCEBF4">
    <TD><FONT STYLE="color: #296DC1"><B>U.K. Bail-in Power acknowledgment:</B></FONT></TD>
    <TD COLSPAN="5">Notwithstanding and to the exclusion of any other term of the PLUS or any other agreements, arrangements or understandings between Barclays Bank PLC and any holder or beneficial owner of the PLUS (or the trustee on behalf of the holders of the PLUS), by acquiring the PLUS, each holder or beneficial owner of the PLUS acknowledges, accepts, agrees to be bound by and consents to the exercise of, any U.K. Bail-in Power by the relevant U.K. resolution authority. See &ldquo;Consent to U.K. Bail-in Power&rdquo; on page 5 of this document.</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="color: #296DC1"><B>Maximum payment at maturity:</B></FONT></TD>
    <TD COLSPAN="5">At least $1,180.50 per PLUS (at least 118.05% of the stated principal amount). The actual maximum payment at maturity will be determined on the pricing date.</TD></TR>
  <TR STYLE="vertical-align: top; background-color: #DCEBF4">
    <TD><FONT STYLE="color: #296DC1"><B>Leveraged upside payment:</B></FONT></TD>
    <TD COLSPAN="5">$1,000 &times; leverage factor &times; underlier return</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="color: #296DC1"><B>Leverage factor:</B></FONT></TD>
    <TD COLSPAN="5">300%</TD></TR>
  <TR STYLE="vertical-align: top; background-color: #DCEBF4">
    <TD><FONT STYLE="color: #296DC1"><B>Underlier return:</B></FONT></TD>
    <TD COLSPAN="5">(final underlier value &ndash; initial underlier value) / initial underlier value</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="color: #296DC1"><B>Underlier performance factor:</B></FONT></TD>
    <TD COLSPAN="5">final underlier value / initial underlier value</TD></TR>
  <TR STYLE="vertical-align: top; background-color: #DCEBF4">
    <TD><FONT STYLE="color: #296DC1"><B>Initial underlier value:</B></FONT></TD>
    <TD COLSPAN="5">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;, which is the closing level of the underlier on the pricing date</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="color: #296DC1"><B>Final underlier value:</B></FONT></TD>
    <TD COLSPAN="5">The closing level of the underlier on the valuation date</TD></TR>
  <TR STYLE="vertical-align: top; background-color: #DCEBF4">
    <TD>&nbsp;</TD>
    <TD COLSPAN="5" STYLE="text-align: right"><B><I>(terms continued on the next page)</I></B></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="2"><FONT STYLE="color: #296DC1"><B>Commissions and initial issue price:</B></FONT></TD>
    <TD STYLE="text-align: center"><FONT STYLE="color: #296DC1"><B>Initial issue price<SUP>(1)</SUP></B></FONT></TD>
    <TD STYLE="text-align: center"><FONT STYLE="color: #296DC1"><B>Price to public<SUP>(1)</SUP></B></FONT></TD>
    <TD STYLE="text-align: center"><FONT STYLE="color: #296DC1"><B>Agent&rsquo;s commissions</B></FONT></TD>
    <TD STYLE="text-align: center"><FONT STYLE="color: #296DC1"><B>Proceeds to issuer</B></FONT></TD></TR>
  <TR STYLE="background-color: #DCEBF4">
    <TD COLSPAN="2" STYLE="padding-left: 0.5in"><FONT STYLE="color: #296DC1"><B>Per PLUS</B></FONT></TD>
    <TD STYLE="text-align: center">$1,000</TD>
    <TD STYLE="text-align: center">$1,000</TD>
    <TD>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">$17.50<SUP>(2)&nbsp;</SUP></P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">$5.00<SUP>(3)</SUP></P></TD>
    <TD STYLE="text-align: center">$977.50</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="2" STYLE="padding-left: 0.5in"><FONT STYLE="color: #296DC1"><B>Total</B></FONT></TD>
    <TD STYLE="text-align: center">$</TD>
    <TD STYLE="text-align: center">$</TD>
    <TD STYLE="text-align: center">$</TD>
    <TD STYLE="text-align: center">$</TD></TR>
  <TR>
    <TD STYLE="width: 24%"><FONT STYLE="font-size: 3pt">&nbsp;</FONT></TD>
    <TD STYLE="width: 4%"><FONT STYLE="font-size: 3pt">&nbsp;</FONT></TD>
    <TD STYLE="width: 18%"><FONT STYLE="font-size: 3pt">&nbsp;</FONT></TD>
    <TD STYLE="width: 18%"><FONT STYLE="font-size: 3pt">&nbsp;</FONT></TD>
    <TD STYLE="width: 18%"><FONT STYLE="font-size: 3pt">&nbsp;</FONT></TD>
    <TD STYLE="width: 18%"><FONT STYLE="font-size: 3pt">&nbsp;</FONT></TD></TR>
  </TABLE>
<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><B><SUP>(1)</SUP></B></TD><TD><B>Our estimated value of the PLUS on the pricing date, based on our internal pricing models, is expected to be between $921.20 and
$971.20 per PLUS. The estimated value is expected to be less than the initial issue price of the PLUS. See &ldquo;Additional Information
Regarding Our Estimated Value of the PLUS&rdquo; on page 4 of this document.</B></TD></TR></TABLE>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 10pt Arial, Helvetica, Sans-Serif"></P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><B><SUP>(2)</SUP></B></TD><TD><B>Morgan Stanley Wealth Management and its financial advisors will collectively receive from the agent, Barclays Capital Inc., a
fixed sales commission of $17.50 for each PLUS they sell. See &ldquo;Supplemental Plan of Distribution&rdquo; in this document.</B></TD></TR></TABLE>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 10pt Arial, Helvetica, Sans-Serif"></P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><B><SUP>(3)</SUP></B></TD><TD><B>Reflects a structuring fee payable to Morgan Stanley Wealth Management by the agent or its affiliates of $5.00 for each PLUS.</B></TD></TR></TABLE>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 10pt Arial, Helvetica, Sans-Serif"></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">One or more of our affiliates may purchase up to 15% of the aggregate
principal amount of the PLUS and hold such PLUS for investment for a period of at least 30 days. Accordingly, the total principal amount
of the PLUS may include a portion that was not purchased by investors on the original issue date. Any unsold portion held by our affiliate(s)
may affect the supply of PLUS available for secondary trading and, therefore, could adversely affect the price of the PLUS in the secondary
market. Circumstances may occur in which our interests or those of our affiliates could be in conflict with your interests.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: red"><B>Investing in the PLUS involves risks not associated with
an investment in conventional debt securities. See &ldquo;Risk Factors&rdquo; beginning on page 12 of this document and beginning on page
S-9 of the prospectus supplement. You should read this document together with the related prospectus, prospectus supplement and underlying
supplement, each of which can be accessed via the hyperlinks below, before you make an investment decision. </B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: red"></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B>The PLUS will not be listed on any U.S. securities exchange or quotation
system. Neither the U.S. Securities and Exchange Commission (the &ldquo;SEC&rdquo;) nor any state securities commission has approved or
disapproved of the PLUS or determined that this document is truthful or complete. Any representation to the contrary is a criminal offense.</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">The PLUS constitute our unsecured and unsubordinated obligations. The
PLUS are not deposit liabilities of Barclays Bank PLC and are not covered by the U.K. Financial Services Compensation Scheme or insured
by the U.S. Federal Deposit Insurance Corporation or any other governmental agency or deposit insurance agency of the United States, the
United Kingdom or any other jurisdiction.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 34%; text-align: center"><A HREF="http://www.sec.gov/Archives/edgar/data/312070/000119312525120720/d925982d424b2.htm"><FONT STYLE="font-size: 10pt">Prospectus <BR>
dated May 15, 2025</FONT></A></TD>
    <TD STYLE="width: 33%; text-align: center"><A HREF="http://www.sec.gov/Archives/edgar/data/312070/000095010325006051/dp228678_424b2-prosupp.htm"><FONT STYLE="font-size: 10pt">Prospectus Supplement <BR>
dated May 15, 2025</FONT></A></TD>
    <TD STYLE="width: 33%; text-align: center"><A HREF="http://www.sec.gov/Archives/edgar/data/312070/000095010325006053/dp228705_424b2-underl.htm"><FONT STYLE="font-size: 10pt">Underlying Supplement <BR>
dated May 15, 2025</FONT></A></TD></TR>
  </TABLE>

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<P STYLE="font: 12pt Arial, Helvetica, Sans-Serif; margin: 0pt 5pt 0pt 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt; color: #296DC1"><IMG SRC="image_003.jpg" ALT="" STYLE="height: 34px; width: 144px"></FONT></P>
<!-- Field: Rule-Page --><DIV STYLE="margin-top: 1pt; margin-bottom: 1pt; width: 100%"><DIV STYLE="font-size: 1pt; border-top: #296DC1 0.75pt solid">&nbsp;</DIV></DIV><!-- Field: /Rule-Page -->
<P STYLE="padding-top: 3pt; font: 12pt Arial, Helvetica, Sans-Serif; margin: 0pt; color: #296DC1">PLUS Based on the Value of the Russell 2000<SUP>&reg;</SUP>
Index due December 3, 2026</P>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: gray"><B>Performance Leveraged Upside Securities<SUP>SM</SUP></B></P>
<P STYLE="padding-bottom: 3pt; font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt; color: gray"><FONT STYLE="font-size: 9pt"><B>Principal at Risk Securities</B></FONT></P>
<!-- Field: Rule-Page --><DIV STYLE="margin-top: 1pt; margin-bottom: 1pt; width: 100%"><DIV STYLE="font-size: 1pt; border-top: #296DC1 0.75pt solid">&nbsp;</DIV></DIV><!-- Field: /Rule-Page -->
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: gray">&nbsp;</P>


<TABLE CELLSPACING="0" CELLPADDING="2" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top; background-color: #DCEBF4">
    <TD COLSPAN="2"><B><I>Terms continued from previous page:</I></B></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 20%"><FONT STYLE="color: #296DC1"><B>Closing level:</B></FONT></TD>
    <TD STYLE="width: 80%">Closing level has the meaning set forth under &ldquo;Reference Assets&mdash;Indices&mdash;Special Calculation Provisions&rdquo; in the prospectus supplement.</TD></TR>
  <TR STYLE="vertical-align: top; background-color: #DCEBF4">
    <TD><FONT STYLE="color: #296DC1"><B>Calculation agent:</B></FONT></TD>
    <TD>Barclays Bank PLC</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="color: #296DC1"><B>Additional terms:</B></FONT></TD>
    <TD>Terms used in this document, but not defined herein, will have the meanings ascribed to them in the prospectus supplement.</TD></TR>
  <TR STYLE="vertical-align: top; background-color: #DCEBF4">
    <TD><FONT STYLE="color: #296DC1"><B>CUSIP / ISIN:</B></FONT></TD>
    <TD>06746EJ89 / US06746EJ898</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="color: #296DC1"><B>Listing:</B></FONT></TD>
    <TD>The PLUS will not be listed on any securities exchange.</TD></TR>
  <TR STYLE="vertical-align: top; background-color: #DCEBF4">
    <TD><FONT STYLE="color: #296DC1"><B>Selected dealer:</B></FONT></TD>
    <TD>Morgan Stanley Wealth Management (&ldquo;MSWM&rdquo;)</TD></TR>
  </TABLE>
<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 2%">*</TD>
    <TD STYLE="width: 98%">The underlier and the terms of the PLUS are subject to adjustment by the calculation agent and the maturity date may be accelerated, in each case under certain circumstances as set forth in the accompanying prospectus supplement. See &ldquo;Risk Factors&mdash;Risks Relating to the Underlier&rdquo; below.</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><SUP>&dagger;</SUP></TD>
    <TD><FONT STYLE="background-color: white">Subject to postponement in certain circumstances, as described under &ldquo;Reference Assets&mdash;Indices&mdash;Market Disruption Events for Securities with an Equity Index as a Reference Asset&rdquo; and &ldquo;Terms of the Notes&mdash;Payment Dates&rdquo; in the accompanying prospectus supplement</FONT></TD></TR>
  <TR STYLE="vertical-align: top; background-color: white">
    <TD COLSPAN="2" STYLE="text-align: center">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top; background-color: white">
    <TD COLSPAN="2" STYLE="text-align: center"><P STYLE="margin-top: 0; margin-bottom: 0"></P>
                                               <P STYLE="margin-top: 0; margin-bottom: 0">&nbsp;<FONT STYLE="font-size: 12pt"><B>Barclays Capital Inc.</B></FONT></P></TD></TR>
  </TABLE>

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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="font: 12pt Arial, Helvetica, Sans-Serif; margin: 0pt 5pt 0pt 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt; color: #296DC1"><IMG SRC="image_003.jpg" ALT="" STYLE="height: 34px; width: 144px"></FONT></P><!-- Field: Rule-Page --><DIV STYLE="margin-top: 1pt; margin-bottom: 1pt; width: 100%"><DIV STYLE="border-top: #296DC1 0.75pt solid; font-size: 1pt">&nbsp;</DIV></DIV><!-- Field: /Rule-Page --><P STYLE="font: 12pt Arial, Helvetica, Sans-Serif; padding-top: 3pt; margin: 0pt; color: #296DC1">PLUS Based on the Value of the Russell 2000<SUP>&reg;</SUP> Index due December 3, 2026</P><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: gray"><B>Performance Leveraged Upside Securities<SUP>SM</SUP></B></P><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; padding-bottom: 3pt; margin: 0pt; color: gray"><FONT STYLE="font-size: 9pt"><B>Principal at Risk Securities</B></FONT></P><!-- Field: Rule-Page --><DIV STYLE="margin-top: 1pt; margin-bottom: 1pt; width: 100%"><DIV STYLE="border-top: #296DC1 0.75pt solid; font-size: 1pt">&nbsp;</DIV></DIV><!-- Field: /Rule-Page --><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: gray">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="color: #296DC1; font: 14pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Additional Terms of the PLUS</P>

<P STYLE="color: #296DC1; font: 14pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">You should read this document together with the prospectus dated May
15, 2025, as supplemented by the prospectus supplement dated May 15, 2025 relating to our Global Medium-Term Notes, Series A, of which
the PLUS are a part, and the underlying supplement dated May 15, 2025. This document, together with the documents listed below, contains
the terms of the PLUS and supersedes all prior or contemporaneous oral statements as well as any other written materials including preliminary
or indicative pricing terms, correspondence, trade ideas, structures for implementation, sample structures, brochures or other educational
materials of ours. You should carefully consider, among other things, the matters set forth under &ldquo;Risk Factors&rdquo; in the prospectus
supplement and &ldquo;Risk Factors&rdquo; in this document, as the PLUS involve risks not associated with conventional debt securities.
We urge you to consult your investment, legal, tax, accounting and other advisors before you invest in the PLUS.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">You may access these documents on the SEC website at www.sec.gov as
follows (or if such address has changed, by reviewing our filings for the relevant date on the SEC website):</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Wingdings; font-size: 12pt; color: #A9C4EB">&sect;</FONT></TD><TD>Prospectus dated May 15, 2025:<BR>
<A HREF="http://www.sec.gov/Archives/edgar/data/312070/000119312525120720/d925982d424b2.htm">http://www.sec.gov/Archives/edgar/data/312070/000119312525120720/d925982d424b2.htm</A></TD></TR></TABLE>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Wingdings; font-size: 12pt; color: #A9C4EB">&sect;</FONT></TD><TD>Prospectus supplement dated May 15, 2025:<BR>
<A HREF="http://www.sec.gov/Archives/edgar/data/312070/000095010325006051/dp228678_424b2-prosupp.htm">http://www.sec.gov/Archives/edgar/data/312070/000095010325006051/dp228678_424b2-prosupp.htm</A></TD></TR></TABLE>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Wingdings; font-size: 12pt; color: #A9C4EB">&sect;</FONT></TD><TD>Underlying supplement dated May 15, 2025:<BR>
<A HREF="http://www.sec.gov/Archives/edgar/data/312070/000095010325006053/dp228705_424b2-underl.htm">http://www.sec.gov/Archives/edgar/data/312070/000095010325006053/dp228705_424b2-underl.htm</A></TD></TR></TABLE>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Our SEC file number is 1-10257 and our Central Index Key, or CIK, on
the SEC website is 0000312070. As used in this document, &ldquo;we,&rdquo; &ldquo;us&rdquo; and &ldquo;our&rdquo; refer to Barclays Bank
PLC.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">In connection with this offering, Morgan Stanley Wealth Management is
acting in its capacity as a selected dealer.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>


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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="font: 12pt Arial, Helvetica, Sans-Serif; margin: 0pt 5pt 0pt 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt; color: #296DC1"><IMG SRC="image_003.jpg" ALT="" STYLE="height: 34px; width: 144px"></FONT></P><!-- Field: Rule-Page --><DIV STYLE="margin-top: 1pt; margin-bottom: 1pt; width: 100%"><DIV STYLE="border-top: #296DC1 0.75pt solid; font-size: 1pt">&nbsp;</DIV></DIV><!-- Field: /Rule-Page --><P STYLE="font: 12pt Arial, Helvetica, Sans-Serif; padding-top: 3pt; margin: 0pt; color: #296DC1">PLUS Based on the Value of the Russell 2000<SUP>&reg;</SUP> Index due December 3, 2026</P><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: gray"><B>Performance Leveraged Upside Securities<SUP>SM</SUP></B></P><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; padding-bottom: 3pt; margin: 0pt; color: gray"><FONT STYLE="font-size: 9pt"><B>Principal at Risk Securities</B></FONT></P><!-- Field: Rule-Page --><DIV STYLE="margin-top: 1pt; margin-bottom: 1pt; width: 100%"><DIV STYLE="border-top: #296DC1 0.75pt solid; font-size: 1pt">&nbsp;</DIV></DIV><!-- Field: /Rule-Page --><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: gray">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="color: #296DC1; font: 14pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Additional Information Regarding Our Estimated Value
of the PLUS</P>

<P STYLE="color: #296DC1; font: 14pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Our internal pricing models take into account a number of variables
and are based on a number of subjective assumptions, which may or may not materialize, typically including volatility, interest rates
and our internal funding rates. Our internal funding rates (which are our internally published borrowing rates based on variables, such
as market benchmarks, our appetite for borrowing and our existing obligations coming to maturity) may vary from the levels at which our
benchmark debt securities trade in the secondary market. Our estimated value on the pricing date is based on our internal funding rates.
Our estimated value of the PLUS might be lower if such valuation were based on the levels at which our benchmark debt securities trade
in the secondary market.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Our estimated value of the PLUS on the pricing date is expected to be
less than the initial issue price of the PLUS. The difference between the initial issue price of the PLUS and our estimated value of the
PLUS is expected to result from several factors, including any sales commissions expected to be paid to Barclays Capital Inc. or another
affiliate of ours, any selling concessions, discounts, commissions or fees expected to be allowed or paid to non-affiliated intermediaries,
the estimated profit that we or any of our affiliates expect to earn in connection with structuring the PLUS, the estimated cost that
we may incur in hedging our obligations under the PLUS, and estimated development and other costs that we may incur in connection with
the PLUS. These other costs will include a fee paid to LFT Securities, LLC, an entity in which an affiliate of Morgan Stanley Wealth Management
has an ownership interest, for providing certain electronic platform services with respect to this offering.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Our estimated value on the pricing date is not a prediction of the price
at which the PLUS may trade in the secondary market, nor will it be the price at which Barclays Capital Inc. may buy or sell the PLUS
in the secondary market. Subject to normal market and funding conditions, Barclays Capital Inc. or another affiliate of ours intends to
offer to purchase the PLUS in the secondary market but it is not obligated to do so.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Assuming that all relevant factors remain constant after the pricing
date, the price at which Barclays Capital Inc. may initially buy or sell the PLUS in the secondary market, if any, and the value that
we may initially use for customer account statements, if we provide any customer account statements at all, may exceed our estimated value
on the pricing date for a temporary period expected to be approximately 40 days after the initial issue date of the PLUS because, in our
discretion, we may elect to effectively reimburse to investors a portion of the estimated cost of hedging our obligations under the PLUS
and other costs in connection with the PLUS that we will no longer expect to incur over the term of the PLUS. We made such discretionary
election and determined this temporary reimbursement period on the basis of a number of factors, which may include the tenor of the PLUS
and/or any agreement we may have with the distributors of the PLUS. The amount of our estimated costs that we effectively reimburse to
investors in this way may not be allocated ratably throughout the reimbursement period, and we may discontinue such reimbursement at any
time or revise the duration of the reimbursement period after the initial issue date of the PLUS based on changes in market conditions
and other factors that cannot be predicted.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B>We urge you to read &ldquo;Risk Factors&rdquo; beginning on page
12 of this document.</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B>You may revoke your offer to purchase the PLUS at any time prior
to the pricing date. We reserve the right to change the terms of, or reject any offer to purchase, the PLUS prior to their pricing date.
In the event of any changes to the terms of the PLUS, we will notify you and you will be asked to accept such changes in connection with
your purchase. You may also choose to reject such changes in which case we may reject your offer to purchase.</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>


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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="font: 12pt Arial, Helvetica, Sans-Serif; margin: 0pt 5pt 0pt 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt; color: #296DC1"><IMG SRC="image_003.jpg" ALT="" STYLE="height: 34px; width: 144px"></FONT></P><!-- Field: Rule-Page --><DIV STYLE="margin-top: 1pt; margin-bottom: 1pt; width: 100%"><DIV STYLE="border-top: #296DC1 0.75pt solid; font-size: 1pt">&nbsp;</DIV></DIV><!-- Field: /Rule-Page --><P STYLE="font: 12pt Arial, Helvetica, Sans-Serif; padding-top: 3pt; margin: 0pt; color: #296DC1">PLUS Based on the Value of the Russell 2000<SUP>&reg;</SUP> Index due December 3, 2026</P><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: gray"><B>Performance Leveraged Upside Securities<SUP>SM</SUP></B></P><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; padding-bottom: 3pt; margin: 0pt; color: gray"><FONT STYLE="font-size: 9pt"><B>Principal at Risk Securities</B></FONT></P><!-- Field: Rule-Page --><DIV STYLE="margin-top: 1pt; margin-bottom: 1pt; width: 100%"><DIV STYLE="border-top: #296DC1 0.75pt solid; font-size: 1pt">&nbsp;</DIV></DIV><!-- Field: /Rule-Page --><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: gray">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="color: #296DC1; font: 14pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Consent to U.K. Bail-in Power</P>

<P STYLE="color: #296DC1; font: 14pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="background-color: white"><B>Notwithstanding and to the
exclusion of any other term of the PLUS or any other agreements, arrangements or understandings between us and any holder or beneficial
owner of the PLUS (or the trustee on behalf of the holders of the PLUS), by acquiring the PLUS, each holder or beneficial owner of the
PLUS acknowledges, accepts, agrees to be bound by and consents to the exercise of, any U.K. Bail-in Power by the relevant U.K. resolution
authority.</B></FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="background-color: white">Under the U.K. Banking Act 2009,
as amended, the relevant U.K. resolution authority may exercise a U.K. Bail-in Power in circumstances in which the relevant U.K. resolution
authority is satisfied that the resolution conditions are met. These conditions include that a U.K. bank or investment firm is failing
or is likely to fail to satisfy the Financial Services and Markets Act 2000 (the &ldquo;FSMA&rdquo;) threshold conditions for authorization
to carry on certain regulated activities (within the meaning of section 55B FSMA) or, in the case of a U.K. banking group company that
is a European Economic Area (&ldquo;EEA&rdquo;) or third country institution or investment firm, that the relevant EEA or third country
relevant authority is satisfied that the resolution conditions are met in respect of that entity.</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="background-color: white">The U.K. Bail-in Power includes
any write-down, conversion, transfer, modification and/or suspension power, which allows for (i) the reduction or cancellation of all,
or a portion, of the principal amount of, or interest on, or any other amounts payable on, the PLUS; (ii) the conversion of all, or a
portion, of the principal amount of, or interest on, or any other amounts payable on, the PLUS into shares or other securities or other
obligations of Barclays Bank PLC or another person (and the issue to, or conferral on, the holder or beneficial owner of the PLUS of such
shares, securities or obligations); (iii) the cancellation of the PLUS and/or (iv) the amendment or alteration of the maturity of the
PLUS, or the amendment of the amount of interest or any other amounts due on the PLUS, or the dates on which interest or any other amounts
become payable, including by suspending payment for a temporary period; which U.K. Bail-in Power may be exercised by means of a variation
of the terms of the PLUS solely to give effect to the exercise by the relevant U.K. resolution authority of such U.K. Bail-in Power. Each
holder and beneficial owner of the PLUS further acknowledges and agrees that the rights of the holders or beneficial owners of the PLUS
are subject to, and will be varied, if necessary, solely to give effect to, the exercise of any U.K. Bail-in Power by the relevant U.K.
resolution authority. For the avoidance of doubt, this consent and acknowledgment is not a waiver of any rights holders or beneficial
owners of the PLUS may have at law if and to the extent that any U.K. Bail-in Power is exercised by the relevant U.K. resolution authority
in breach of laws applicable in England.</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="background-color: white">For more information, please see
&ldquo;Risk Factors&mdash;Risks Relating to the Issuer&mdash;You may lose some or all of your investment if any U.K. bail-in power is
exercised by the relevant U.K. resolution authority&rdquo; in this document as well as &ldquo;U.K. Bail-in Power,&rdquo; &ldquo;Risk Factors&mdash;Risks
Relating to the Securities Generally&mdash;Regulatory action in the event a bank or investment firm in the Group is failing or likely
to fail, including the exercise by the relevant U.K. resolution authority of a variety of statutory resolution powers, could materially
adversely affect the value of any securities&rdquo; and &ldquo;Risk Factors&mdash;Risks Relating to the Securities Generally&mdash;Under
the terms of the securities, you have agreed to be bound by the exercise of any U.K. Bail-in Power by the relevant U.K. resolution authority&rdquo;
in the accompanying prospectus supplement.</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>


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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="font: 12pt Arial, Helvetica, Sans-Serif; margin: 0pt 5pt 0pt 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt; color: #296DC1"><IMG SRC="image_003.jpg" ALT="" STYLE="height: 34px; width: 144px"></FONT></P><!-- Field: Rule-Page --><DIV STYLE="margin-top: 1pt; margin-bottom: 1pt; width: 100%"><DIV STYLE="border-top: #296DC1 0.75pt solid; font-size: 1pt">&nbsp;</DIV></DIV><!-- Field: /Rule-Page --><P STYLE="font: 12pt Arial, Helvetica, Sans-Serif; padding-top: 3pt; margin: 0pt; color: #296DC1">PLUS Based on the Value of the Russell 2000<SUP>&reg;</SUP> Index due December 3, 2026</P><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: gray"><B>Performance Leveraged Upside Securities<SUP>SM</SUP></B></P><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; padding-bottom: 3pt; margin: 0pt; color: gray"><FONT STYLE="font-size: 9pt"><B>Principal at Risk Securities</B></FONT></P><!-- Field: Rule-Page --><DIV STYLE="margin-top: 1pt; margin-bottom: 1pt; width: 100%"><DIV STYLE="border-top: #296DC1 0.75pt solid; font-size: 1pt">&nbsp;</DIV></DIV><!-- Field: /Rule-Page --><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: gray">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="color: #296DC1; font: 14pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Investment Summary</P>

<P STYLE="color: #296DC1; font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #296DC1"><B>Performance Leveraged Upside Securities<SUP>SM</SUP></B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #296DC1"></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: gray"><B>Principal at Risk Securities</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: gray">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">The PLUS Based on the Value of the Russell 2000<SUP>&reg;</SUP> Index
due December 3, 2026 (the &ldquo;PLUS&rdquo;) can be used:</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Wingdings; font-size: 12pt; color: #A9C4EB">&sect;</FONT></TD><TD>As an alternative to direct exposure to the underlier that enhances returns for a certain range of positive performance of the underlier</TD></TR></TABLE>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Wingdings; font-size: 12pt; color: #A9C4EB">&sect;</FONT></TD><TD>To enhance returns and potentially outperform the underlier in a moderately bullish scenario</TD></TR></TABLE>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Wingdings; font-size: 12pt; color: #A9C4EB">&sect;</FONT></TD><TD>To achieve similar levels of upside exposure to the underlier as a direct investment, subject to the maximum payment at maturity,
while using fewer dollars by taking advantage of the leverage factor</TD></TR></TABLE>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">If the final underlier value is less than the initial underlier value,
the PLUS are exposed on a 1:1 basis to the negative performance of the underlier.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="3" ALIGN="CENTER" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 80%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 35%"><FONT STYLE="color: #296DC1"><B>Maturity:</B></FONT></TD>
    <TD STYLE="width: 65%">Approximately 13 months</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="color: #296DC1"><B>Leverage factor:</B></FONT></TD>
    <TD>300%</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="color: #296DC1"><B>Maximum payment at maturity:</B></FONT></TD>
    <TD>At least $1,180.50 per PLUS (at least 118.05% of the stated principal amount). The actual maximum payment at maturity will be determined on the pricing date.</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="color: #296DC1"><B>Minimum payment at maturity:</B></FONT></TD>
    <TD>None. Investors may lose their entire initial investment in the PLUS.</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="color: #296DC1"><B>Interest:</B></FONT></TD>
    <TD>None</TD></TR>
  </TABLE>
<P STYLE="color: #296DC1; font: 14pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 14pt Arial, Helvetica, Sans-Serif; color: #296DC1; margin: 0pt 0">Key Investment Rationale</P>

<P STYLE="color: #296DC1; font: 14pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">The PLUS are for investors who seek an equity index-based return and
who are willing and able to risk their principal and forgo current income and upside above the maximum payment at maturity in exchange
for the leverage feature, which applies to a limited range of positive performance of the underlier. <B>Investors may lose their entire
initial investment in the PLUS.</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="3" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
  <TR>
    <TD STYLE="vertical-align: top; width: 19%; border: white 1.5pt solid; background-color: #DCEBF4"><FONT STYLE="color: #296DC1"><B>Leveraged Performance</B></FONT></TD>
    <TD STYLE="width: 81%">The PLUS offer investors an opportunity to capture enhanced returns for a certain range of positive performance of the underlier relative to a direct investment in the underlier.</TD></TR>
  <TR>
    <TD STYLE="vertical-align: top; border-right: white 1.5pt solid; border-bottom: white 1.5pt solid; border-left: white 1.5pt solid; background-color: #DCEBF4"><FONT STYLE="color: #296DC1"><B>Upside Scenario</B></FONT></TD>
    <TD>The final underlier value is greater than the initial underlier value. In this case, at maturity, the PLUS pay the stated principal amount of $1,000 plus a return equal to 300% of the underlier return, subject to the maximum payment at maturity of at least $1,180.50 per PLUS (at least 118.05% of the stated principal amount). The actual maximum payment at maturity will be determined on the pricing date.</TD></TR>
  <TR>
    <TD STYLE="vertical-align: top; border-right: white 1.5pt solid; border-bottom: white 1.5pt solid; border-left: white 1.5pt solid; background-color: #DCEBF4"><FONT STYLE="color: #296DC1"><B>Par Scenario</B></FONT></TD>
    <TD>The final underlier value is equal to the initial underlier value. In this case, at maturity, the PLUS pay the stated principal amount of $1,000 per PLUS.</TD></TR>
  <TR>
    <TD STYLE="vertical-align: top; border-right: white 1.5pt solid; border-bottom: white 1.5pt solid; border-left: white 1.5pt solid; background-color: #DCEBF4"><FONT STYLE="color: #296DC1"><B>Downside Scenario</B></FONT></TD>
    <TD>The final underlier value is less than the initial underlier value. In this case, at maturity, the PLUS pay less than the stated principal amount and the percentage loss of the stated principal amount will be equal to the percentage decrease from the initial underlier value to the final underlier value. For example, if the final underlier value is 55% less than the initial underlier value, the PLUS will pay $450.00 per PLUS, or 45% of the stated principal amount, for a loss of 55% of the stated principal amount. There is no minimum payment at maturity on the PLUS. Accordingly, investors could lose their entire investment in the PLUS.</TD></TR>
  </TABLE>

<!-- Field: Page; Sequence: 6; Value: 2 -->
    <DIV STYLE="margin-top: 6pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif; border-collapse: collapse"><TR STYLE="vertical-align: top"><TD STYLE="width: 50%; font-size: 10pt; color: #296DC1"><FONT STYLE="font-size: 10pt">October 2025</FONT></TD><TD STYLE="width: 50%; text-align: right; font-size: 10pt; color: #296DC1"><FONT STYLE="font-size: 10pt">Page <!-- Field: Sequence; Type: Arabic; Name: PageNo -->6<!-- Field: /Sequence --></FONT></TD></TR></TABLE></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="font: 12pt Arial, Helvetica, Sans-Serif; margin: 0pt 5pt 0pt 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt; color: #296DC1"><IMG SRC="image_003.jpg" ALT="" STYLE="height: 34px; width: 144px"></FONT></P><!-- Field: Rule-Page --><DIV STYLE="margin-top: 1pt; margin-bottom: 1pt; width: 100%"><DIV STYLE="border-top: #296DC1 0.75pt solid; font-size: 1pt">&nbsp;</DIV></DIV><!-- Field: /Rule-Page --><P STYLE="font: 12pt Arial, Helvetica, Sans-Serif; padding-top: 3pt; margin: 0pt; color: #296DC1">PLUS Based on the Value of the Russell 2000<SUP>&reg;</SUP> Index due December 3, 2026</P><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: gray"><B>Performance Leveraged Upside Securities<SUP>SM</SUP></B></P><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; padding-bottom: 3pt; margin: 0pt; color: gray"><FONT STYLE="font-size: 9pt"><B>Principal at Risk Securities</B></FONT></P><!-- Field: Rule-Page --><DIV STYLE="margin-top: 1pt; margin-bottom: 1pt; width: 100%"><DIV STYLE="border-top: #296DC1 0.75pt solid; font-size: 1pt">&nbsp;</DIV></DIV><!-- Field: /Rule-Page --><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: gray">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="color: #296DC1; font: 14pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Selected Purchase Considerations</P>

<P STYLE="color: #296DC1; font: 14pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">The PLUS are not appropriate for all investors. The PLUS <I>may</I>
be an appropriate investment for you if all of the following statements are true:</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Wingdings; font-size: 12pt; color: #A9C4EB">&sect;</FONT></TD><TD>You do not seek an investment that produces periodic interest or coupon payments or other sources of current income.</TD></TR></TABLE>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Wingdings; font-size: 12pt; color: #A9C4EB">&sect;</FONT></TD><TD>You anticipate that the final underlier value will be greater than the initial underlier value, and you are willing and able to accept
the risk that, if the final underlier value is less than the initial underlier value, you will lose some, and possibly all, of the stated
principal amount of the PLUS.</TD></TR></TABLE>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Wingdings; font-size: 12pt; color: #A9C4EB">&sect;</FONT></TD><TD>You understand and accept that any potential return on the PLUS is limited by the maximum payment at maturity.</TD></TR></TABLE>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Wingdings; font-size: 12pt; color: #A9C4EB">&sect;</FONT></TD><TD>You are willing and able to accept the risks associated with an investment linked to the performance of the underlier, as explained
in more detail in the &ldquo;Risk Factors&rdquo; section of this document.</TD></TR></TABLE>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Wingdings; font-size: 12pt; color: #A9C4EB">&sect;</FONT></TD><TD>You understand and accept that you will not be entitled to receive dividends or distributions that may be paid to holders of <FONT STYLE="background-color: white">the
securities composing the underlier</FONT>, nor will you have any voting rights with respect to <FONT STYLE="background-color: white">the
securities composing the underlier</FONT>.</TD></TR></TABLE>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Wingdings; font-size: 12pt; color: #A9C4EB">&sect;</FONT></TD><TD>You do not seek an investment for which there will be an active secondary market and you are willing and able to hold the PLUS to
maturity.</TD></TR></TABLE>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Wingdings; font-size: 12pt; color: #A9C4EB">&sect;</FONT></TD><TD>You are willing and able to assume our credit risk for all payments on the PLUS.</TD></TR></TABLE>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Wingdings; font-size: 12pt; color: #A9C4EB">&sect;</FONT></TD><TD>You are willing and able to consent to the exercise of any U.K. Bail-in Power by any relevant U.K. resolution authority.</TD></TR></TABLE>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">The PLUS <I>may <U>not</U></I> be an appropriate investment for you
if <I>any</I> of the following statements are true:</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Wingdings; font-size: 12pt; color: #A9C4EB">&sect;</FONT></TD><TD>You seek an investment that produces periodic interest or coupon payments or other sources of current income.</TD></TR></TABLE>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Wingdings; font-size: 12pt; color: #A9C4EB">&sect;</FONT></TD><TD>You seek an investment that provides for the full repayment of principal at maturity.</TD></TR></TABLE>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Wingdings; font-size: 12pt; color: #A9C4EB">&sect;</FONT></TD><TD>You anticipate that the final underlier value will be less than the initial underlier value, or you are unwilling or unable to accept
the risk that, if it is, you will lose some, and possibly all, of the stated principal amount of the PLUS.</TD></TR></TABLE>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Wingdings; font-size: 12pt; color: #A9C4EB">&sect;</FONT></TD><TD>You seek an investment with uncapped exposure to any positive performance of the underlier.</TD></TR></TABLE>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Wingdings; font-size: 12pt; color: #A9C4EB">&sect;</FONT></TD><TD>You are unwilling or unable to accept the risks associated with an investment linked to the performance of the underlier, as explained
in more detail in the &ldquo;Risk Factors&rdquo; section of this document.</TD></TR></TABLE>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Wingdings; font-size: 12pt; color: #A9C4EB">&sect;</FONT></TD><TD>You seek an investment that entitles you to dividends or distributions on, or voting rights related to, <FONT STYLE="background-color: white">the
securities composing the underlier</FONT>.</TD></TR></TABLE>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Wingdings; font-size: 12pt; color: #A9C4EB">&sect;</FONT></TD><TD>You seek an investment for which there will be an active secondary market and/or you are unwilling or unable to hold the PLUS to maturity.</TD></TR></TABLE>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Wingdings; font-size: 12pt; color: #A9C4EB">&sect;</FONT></TD><TD>You are unwilling or unable to assume our credit risk for all payments on the PLUS.</TD></TR></TABLE>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Wingdings; font-size: 12pt; color: #A9C4EB">&sect;</FONT></TD><TD>You are unwilling or unable to consent to the exercise of any U.K. Bail-in Power by any relevant U.K. resolution authority.</TD></TR></TABLE>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B><I>You must rely on your own evaluation of the merits of an investment
in the PLUS</I>. </B>You should reach a decision whether to invest in the PLUS after carefully considering, with your advisors, the appropriateness
of the PLUS in light of your investment objectives and the specific information set forth in this document, the prospectus, the prospectus
supplement and the underlying supplement. Neither the issuer nor Barclays Capital Inc. makes any recommendation as to the appropriateness
of the PLUS for investment.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>


<!-- Field: Page; Sequence: 7; Value: 2 -->
    <DIV STYLE="margin-top: 6pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif; border-collapse: collapse"><TR STYLE="vertical-align: top"><TD STYLE="width: 50%; font-size: 10pt; color: #296DC1"><FONT STYLE="font-size: 10pt">October 2025</FONT></TD><TD STYLE="width: 50%; text-align: right; font-size: 10pt; color: #296DC1"><FONT STYLE="font-size: 10pt">Page <!-- Field: Sequence; Type: Arabic; Name: PageNo -->7<!-- Field: /Sequence --></FONT></TD></TR></TABLE></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="font: 12pt Arial, Helvetica, Sans-Serif; margin: 0pt 5pt 0pt 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt; color: #296DC1"><IMG SRC="image_003.jpg" ALT="" STYLE="height: 34px; width: 144px"></FONT></P><!-- Field: Rule-Page --><DIV STYLE="margin-top: 1pt; margin-bottom: 1pt; width: 100%"><DIV STYLE="border-top: #296DC1 0.75pt solid; font-size: 1pt">&nbsp;</DIV></DIV><!-- Field: /Rule-Page --><P STYLE="font: 12pt Arial, Helvetica, Sans-Serif; padding-top: 3pt; margin: 0pt; color: #296DC1">PLUS Based on the Value of the Russell 2000<SUP>&reg;</SUP> Index due December 3, 2026</P><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: gray"><B>Performance Leveraged Upside Securities<SUP>SM</SUP></B></P><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; padding-bottom: 3pt; margin: 0pt; color: gray"><FONT STYLE="font-size: 9pt"><B>Principal at Risk Securities</B></FONT></P><!-- Field: Rule-Page --><DIV STYLE="margin-top: 1pt; margin-bottom: 1pt; width: 100%"><DIV STYLE="border-top: #296DC1 0.75pt solid; font-size: 1pt">&nbsp;</DIV></DIV><!-- Field: /Rule-Page --><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: gray">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="color: #296DC1; font: 14pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">How the PLUS Work</P>

<P STYLE="color: #296DC1; font: 14pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="color: #296DC1; font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Payoff Diagram</P>

<P STYLE="color: #296DC1; font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">The payoff diagram below illustrates the payment at maturity on the
PLUS based on the following terms:</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="3" ALIGN="CENTER" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 80%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 43%"><FONT STYLE="color: #296DC1"><B>Stated principal amount:</B></FONT></TD>
    <TD STYLE="width: 57%">$1,000 per PLUS</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="color: #296DC1"><B>Leverage factor:</B></FONT></TD>
    <TD>300%</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="color: #296DC1"><B>Hypothetical maximum payment at maturity:</B></FONT></TD>
    <TD>$1,180.50 per PLUS (118.05% of the stated principal amount). The actual maximum payment at maturity will be determined on the pricing date.</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="color: #296DC1"><B>Minimum payment at maturity:</B></FONT></TD>
    <TD>None. You could lose your entire initial investment in the PLUS.</TD></TR>
  </TABLE>
<P STYLE="margin-top: 0; margin-bottom: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="3" ALIGN="CENTER" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 80%; border-collapse: collapse">
  <TR STYLE="background-color: #DCEBF4">
    <TD STYLE="width: 100%; text-align: center"><FONT STYLE="color: #296DC1"><B>PLUS Payoff Diagram</B></FONT></TD></TR>
  <TR>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: center"><IMG SRC="image_002.jpg" ALT="" STYLE="height: 374px; width: 438px"></TD></TR>
  </TABLE>
<P STYLE="color: #296DC1; font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; color: #296DC1; margin: 0pt 0">Scenario Analysis</P>

<P STYLE="color: #296DC1; font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Wingdings; font-size: 12pt; color: #A9C4EB">&sect;</FONT></TD><TD><FONT STYLE="color: #296DC1"><B>Upside Scenario. </B></FONT>If the final underlier value is greater than the initial underlier value,
at maturity investors will receive the $1,000 stated principal amount <I>plus</I> 300% of the appreciation of the underlier from the initial
underlier value to the final underlier value, subject to the maximum payment at maturity. Under the hypothetical terms of the PLUS, investors
will realize the maximum payment at maturity at a final underlier value of approximately 106.017% of the initial underlier value.</TD></TR></TABLE>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Wingdings; font-size: 12pt; color: #A9C4EB">&sect;</FONT></TD><TD>For example, if the underlier appreciates by 3%, at maturity investors would receive a 9% return, or $1,090.00 per PLUS.</TD></TR></TABLE>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Wingdings; font-size: 12pt; color: #A9C4EB">&sect;</FONT></TD><TD>If the underlier appreciates by 50%, investors would receive only the hypothetical maximum payment at maturity of $1,180.50 per PLUS,
or 118.05% of the stated principal amount.</TD></TR></TABLE>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Wingdings; font-size: 12pt; color: #A9C4EB">&sect;</FONT></TD><TD><FONT STYLE="color: #296DC1"><B>Par Scenario. </B></FONT>If the final underlier value is equal to the initial underlier value, at
maturity investors will receive the stated principal amount of $1,000 per PLUS.</TD></TR></TABLE>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</P>


<!-- Field: Page; Sequence: 8; Value: 2 -->
    <DIV STYLE="margin-top: 6pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif; border-collapse: collapse"><TR STYLE="vertical-align: top"><TD STYLE="width: 50%; font-size: 10pt; color: #296DC1"><FONT STYLE="font-size: 10pt">October 2025</FONT></TD><TD STYLE="width: 50%; text-align: right; font-size: 10pt; color: #296DC1"><FONT STYLE="font-size: 10pt">Page <!-- Field: Sequence; Type: Arabic; Name: PageNo -->8<!-- Field: /Sequence --></FONT></TD></TR></TABLE></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="font: 12pt Arial, Helvetica, Sans-Serif; margin: 0pt 5pt 0pt 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt; color: #296DC1"><IMG SRC="image_003.jpg" ALT="" STYLE="height: 34px; width: 144px"></FONT></P><!-- Field: Rule-Page --><DIV STYLE="margin-top: 1pt; margin-bottom: 1pt; width: 100%"><DIV STYLE="border-top: #296DC1 0.75pt solid; font-size: 1pt">&nbsp;</DIV></DIV><!-- Field: /Rule-Page --><P STYLE="font: 12pt Arial, Helvetica, Sans-Serif; padding-top: 3pt; margin: 0pt; color: #296DC1">PLUS Based on the Value of the Russell 2000<SUP>&reg;</SUP> Index due December 3, 2026</P><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: gray"><B>Performance Leveraged Upside Securities<SUP>SM</SUP></B></P><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; padding-bottom: 3pt; margin: 0pt; color: gray"><FONT STYLE="font-size: 9pt"><B>Principal at Risk Securities</B></FONT></P><!-- Field: Rule-Page --><DIV STYLE="margin-top: 1pt; margin-bottom: 1pt; width: 100%"><DIV STYLE="border-top: #296DC1 0.75pt solid; font-size: 1pt">&nbsp;</DIV></DIV><!-- Field: /Rule-Page --><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: gray">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Wingdings; font-size: 12pt; color: #A9C4EB">&sect;</FONT></TD><TD><FONT STYLE="color: #296DC1"><B>Downside Scenario. </B></FONT>If the final underlier value is less than the initial underlier value,
at maturity investors will receive an amount that is less than the $1,000 stated principal amount and that will reflect a 1% loss of principal
for each 1% decline in the underlier. Investors may lose their entire initial investment in the PLUS.</TD></TR></TABLE>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Wingdings; font-size: 12pt; color: #A9C4EB">&sect;</FONT></TD><TD>For example, if the underlier depreciates by 50%, investors would lose 50% of their principal and receive only $500.00 per PLUS at
maturity, or 50% of the stated principal amount.</TD></TR></TABLE>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</P>


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    <DIV STYLE="margin-top: 6pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif; border-collapse: collapse"><TR STYLE="vertical-align: top"><TD STYLE="width: 50%; font-size: 10pt; color: #296DC1"><FONT STYLE="font-size: 10pt">October 2025</FONT></TD><TD STYLE="width: 50%; text-align: right; font-size: 10pt; color: #296DC1"><FONT STYLE="font-size: 10pt">Page <!-- Field: Sequence; Type: Arabic; Name: PageNo -->9<!-- Field: /Sequence --></FONT></TD></TR></TABLE></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="font: 12pt Arial, Helvetica, Sans-Serif; margin: 0pt 5pt 0pt 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt; color: #296DC1"><IMG SRC="image_003.jpg" ALT="" STYLE="height: 34px; width: 144px"></FONT></P><!-- Field: Rule-Page --><DIV STYLE="margin-top: 1pt; margin-bottom: 1pt; width: 100%"><DIV STYLE="border-top: #296DC1 0.75pt solid; font-size: 1pt">&nbsp;</DIV></DIV><!-- Field: /Rule-Page --><P STYLE="font: 12pt Arial, Helvetica, Sans-Serif; padding-top: 3pt; margin: 0pt; color: #296DC1">PLUS Based on the Value of the Russell 2000<SUP>&reg;</SUP> Index due December 3, 2026</P><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: gray"><B>Performance Leveraged Upside Securities<SUP>SM</SUP></B></P><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; padding-bottom: 3pt; margin: 0pt; color: gray"><FONT STYLE="font-size: 9pt"><B>Principal at Risk Securities</B></FONT></P><!-- Field: Rule-Page --><DIV STYLE="margin-top: 1pt; margin-bottom: 1pt; width: 100%"><DIV STYLE="border-top: #296DC1 0.75pt solid; font-size: 1pt">&nbsp;</DIV></DIV><!-- Field: /Rule-Page --><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: gray">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="color: #296DC1; font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">What Is the Total Return on the PLUS at Maturity,
Assuming a Range of Performances for the Underlier?</P>

<P STYLE="color: #296DC1; font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">The following table and examples illustrate the hypothetical payment
at maturity and hypothetical total return at maturity on the PLUS. The &ldquo;total return&rdquo; as used in this document is the number,
expressed as a percentage, that results from comparing the payment at maturity per $1,000 stated principal amount to $1,000.00. The table
and examples set forth below assume a hypothetical initial underlier value of 100.000 and a hypothetical maximum payment at maturity of
$1,180.50 per PLUS (118.05% of the stated principal amount) and reflect the leverage factor of 300%. The hypothetical initial underlier
value of 100.000 has been chosen for illustrative purposes only and may not represent a likely actual initial underlier value. Please
see &ldquo;Russell 2000<SUP>&reg;</SUP> Index Overview&rdquo; below for recent actual values of the underlier. The actual initial underlier
value and maximum payment at maturity will be determined on the pricing date. Each hypothetical payment at maturity or total return set
forth below is for illustrative purposes only and may not be the actual payment at maturity or total return applicable to a purchaser
of the PLUS. The numbers appearing in the following table and examples have been rounded for ease of analysis. The table and examples
below do not take into account any tax consequences from investing in the PLUS.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
  <TR>
    <TD STYLE="white-space: nowrap; width: 20%; border-top: Black 1pt solid; border-right: Black 1pt solid; border-left: Black 1pt solid; border-bottom: Black 2.25pt double; text-align: center">Final Underlier Value</TD>
    <TD STYLE="white-space: nowrap; width: 20%; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 2.25pt double; text-align: center">Underlier Return</TD>
    <TD STYLE="width: 20%; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 2.25pt double; text-align: center">Underlier Performance Factor</TD>
    <TD STYLE="width: 20%; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 2.25pt double; text-align: center">Payment at Maturity</TD>
    <TD STYLE="width: 20%; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 2.25pt double; text-align: center">Total Return on PLUS</TD></TR>
  <TR>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; text-align: center">150.000</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">50.000%</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">N/A</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">$1,180.50</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">18.05%</TD></TR>
  <TR>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; text-align: center">140.000</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">40.000%</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">N/A</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">$1,180.50</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">18.05%</TD></TR>
  <TR>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; text-align: center">130.000</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">30.000%</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">N/A</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">$1,180.50</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">18.05%</TD></TR>
  <TR>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; text-align: center">120.000</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">20.000%</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">N/A</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">$1,180.50</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">18.05%</TD></TR>
  <TR>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; text-align: center">110.000</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">10.000%</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">N/A</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">$1,180.50</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">18.05%</TD></TR>
  <TR STYLE="background-color: #CCCCCC">
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; text-align: center">106.017</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">6.017%</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">N/A</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">$1,180.50</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">18.05%</TD></TR>
  <TR>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; text-align: center">105.000</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">5.000%</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">N/A</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">$1,150.00</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">15.00%</TD></TR>
  <TR>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; text-align: center">102.500</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">2.500%</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">N/A</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">$1,075.00</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">7.50%</TD></TR>
  <TR>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; text-align: center">101.000</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">1.000%</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">N/A</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">$1,030.00</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">3.00%</TD></TR>
  <TR STYLE="background-color: #CCCCCC">
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; text-align: center">100.000</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">0.000%</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">N/A</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">$1,000.00</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">0.00%</TD></TR>
  <TR>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; text-align: center">90.000</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">-10.000%</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">90.00%</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">$900.00</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">-10.00%</TD></TR>
  <TR>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; text-align: center">80.000</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">-20.000%</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">80.00%</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">$800.00</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">-20.00%</TD></TR>
  <TR>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; text-align: center">70.000</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">-30.000%</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">70.00%</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">$700.00</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">-30.00%</TD></TR>
  <TR>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; text-align: center">60.000</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">-40.000%</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">60.00%</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">$600.00</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">-40.00%</TD></TR>
  <TR>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; text-align: center">50.000</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">-50.000%</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">50.00%</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">$500.00</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">-50.00%</TD></TR>
  <TR>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; text-align: center">40.000</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">-60.000%</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">40.00%</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">$400.00</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">-60.00%</TD></TR>
  <TR>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; text-align: center">30.000</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">-70.000%</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">30.00%</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">$300.00</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">-70.00%</TD></TR>
  <TR>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; text-align: center">20.000</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">-80.000%</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">20.00%</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">$200.00</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">-80.00%</TD></TR>
  <TR>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; text-align: center">10.000</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">-90.000%</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">10.00%</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">$100.00</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">-90.00%</TD></TR>
  <TR>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; text-align: center">0.000</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">-100.000%</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">0.00%</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">$0.00</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">-100.00%</TD></TR>
  </TABLE>

<!-- Field: Page; Sequence: 10; Value: 2 -->
    <DIV STYLE="margin-top: 6pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif; border-collapse: collapse"><TR STYLE="vertical-align: top"><TD STYLE="width: 50%; font-size: 10pt; color: #296DC1"><FONT STYLE="font-size: 10pt">October 2025</FONT></TD><TD STYLE="width: 50%; text-align: right; font-size: 10pt; color: #296DC1"><FONT STYLE="font-size: 10pt">Page <!-- Field: Sequence; Type: Arabic; Name: PageNo -->10<!-- Field: /Sequence --></FONT></TD></TR></TABLE></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="font: 12pt Arial, Helvetica, Sans-Serif; margin: 0pt 5pt 0pt 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt; color: #296DC1"><IMG SRC="image_003.jpg" ALT="" STYLE="height: 34px; width: 144px"></FONT></P><!-- Field: Rule-Page --><DIV STYLE="margin-top: 1pt; margin-bottom: 1pt; width: 100%"><DIV STYLE="border-top: #296DC1 0.75pt solid; font-size: 1pt">&nbsp;</DIV></DIV><!-- Field: /Rule-Page --><P STYLE="font: 12pt Arial, Helvetica, Sans-Serif; padding-top: 3pt; margin: 0pt; color: #296DC1">PLUS Based on the Value of the Russell 2000<SUP>&reg;</SUP> Index due December 3, 2026</P><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: gray"><B>Performance Leveraged Upside Securities<SUP>SM</SUP></B></P><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; padding-bottom: 3pt; margin: 0pt; color: gray"><FONT STYLE="font-size: 9pt"><B>Principal at Risk Securities</B></FONT></P><!-- Field: Rule-Page --><DIV STYLE="margin-top: 1pt; margin-bottom: 1pt; width: 100%"><DIV STYLE="border-top: #296DC1 0.75pt solid; font-size: 1pt">&nbsp;</DIV></DIV><!-- Field: /Rule-Page --><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: gray">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="color: #296DC1; font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Hypothetical Examples of Amount Payable at Maturity</P>

<P STYLE="color: #296DC1; font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">The following examples illustrate how the payment at maturity and total
return in different hypothetical scenarios are calculated.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Example 1: The value of the underlier increases from the initial
underlier value of 100.000 to a final underlier value of 150.000.</P>

<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Because the final underlier value is greater than the initial underlier
value, the payment at maturity is calculated as follows:</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">the lesser of (a) $1,000 + leveraged upside payment
and (b) maximum payment at maturity</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">= the lesser of (a) $1,000 + ($1,000 &times; leverage
factor &times; underlier return) and (b) $1,180.50</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">First, calculate the underlier return:</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">underlier return = (final underlier value &ndash;
initial underlier value) / initial underlier value = (150.000 &ndash; 100.000) / 100.000 = 50.000%</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Next, calculate the leveraged upside payment:</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">leveraged upside payment = $1,000 &times; leverage
factor &times; underlier return = ($1,000 &times; 300% &times; 50.000%) = $1,500.00</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Because $1,000 plus the leveraged upside payment of $1,500.00 is greater
than the maximum payment at maturity, the payment at maturity is equal to the maximum payment at maturity of $1,180.50 per PLUS, representing
a total return of 18.05% on the PLUS.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Example 2: The value of the underlier increases from the initial
underlier value of 100.000 to a final underlier value of 101.000.</P>

<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Because the final underlier value is greater than the initial underlier
value, the payment at maturity is calculated as follows:</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">the lesser of (a) $1,000 + leveraged upside payment
and (b) maximum payment at maturity</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">= the lesser of (a) $1,000 + ($1,000 &times; leverage
factor &times; underlier return) and (b) $1,180.50</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">First, calculate the underlier return:</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">underlier return = (final underlier value &ndash;
initial underlier value) / initial underlier value = (101.000 &ndash; 100.000) / 100.000 = 1.000%</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Next, calculate the leveraged upside payment:</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">leveraged upside payment = $1,000 &times; leverage
factor &times; underlier return = ($1,000 &times; 300% &times; 1.000%) = $30.00</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Because $1,000 plus the leveraged upside payment of $30.00 is less than
the maximum payment at maturity, the payment at maturity is equal to $1,030.00 per PLUS, representing a total return of 3.00% on the PLUS.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Example 3: The value of the underlier decreases from the initial
underlier value of 100.000 to a final underlier value of 50.000.</P>

<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Because the final underlier value is less than the initial underlier
value, the payment at maturity is equal to $500.00 per PLUS, calculated as follows:</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">($1,000 &times; underlier performance factor)</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">= $1,000 &times; (final underlier value / initial
underlier value)</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">= $1,000 &times; (50.000 / 100.000) = $500.00</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">The total return on the PLUS is -50.00%.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>


<!-- Field: Page; Sequence: 11; Value: 2 -->
    <DIV STYLE="margin-top: 6pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif; border-collapse: collapse"><TR STYLE="vertical-align: top"><TD STYLE="width: 50%; font-size: 10pt; color: #296DC1"><FONT STYLE="font-size: 10pt">October 2025</FONT></TD><TD STYLE="width: 50%; text-align: right; font-size: 10pt; color: #296DC1"><FONT STYLE="font-size: 10pt">Page <!-- Field: Sequence; Type: Arabic; Name: PageNo -->11<!-- Field: /Sequence --></FONT></TD></TR></TABLE></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="font: 12pt Arial, Helvetica, Sans-Serif; margin: 0pt 5pt 0pt 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt; color: #296DC1"><IMG SRC="image_003.jpg" ALT="" STYLE="height: 34px; width: 144px"></FONT></P><!-- Field: Rule-Page --><DIV STYLE="margin-top: 1pt; margin-bottom: 1pt; width: 100%"><DIV STYLE="border-top: #296DC1 0.75pt solid; font-size: 1pt">&nbsp;</DIV></DIV><!-- Field: /Rule-Page --><P STYLE="font: 12pt Arial, Helvetica, Sans-Serif; padding-top: 3pt; margin: 0pt; color: #296DC1">PLUS Based on the Value of the Russell 2000<SUP>&reg;</SUP> Index due December 3, 2026</P><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: gray"><B>Performance Leveraged Upside Securities<SUP>SM</SUP></B></P><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; padding-bottom: 3pt; margin: 0pt; color: gray"><FONT STYLE="font-size: 9pt"><B>Principal at Risk Securities</B></FONT></P><!-- Field: Rule-Page --><DIV STYLE="margin-top: 1pt; margin-bottom: 1pt; width: 100%"><DIV STYLE="border-top: #296DC1 0.75pt solid; font-size: 1pt">&nbsp;</DIV></DIV><!-- Field: /Rule-Page --><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: gray">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="color: #296DC1; font: 14pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Risk Factors</P>

<P STYLE="color: #296DC1; font: 14pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><I>An investment in the PLUS involves significant risks. We urge you
to consult your investment, legal, tax, accounting and other advisors before you invest in the PLUS. Investing in the PLUS is not equivalent
to investing directly in the underlier or any of the securities composing the underlier. Some of the risks that apply to an investment
in the PLUS are summarized below, but we urge you to read the more detailed explanation of risks relating to the PLUS generally in the
&ldquo;Risk Factors&rdquo; section of the prospectus supplement. You should not purchase the PLUS unless you understand and can bear the
risks of investing in the PLUS.</I></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #296DC1"><B>Risks Relating to the PLUS Generally</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #296DC1">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Wingdings; font-size: 12pt; color: #A9C4EB">&sect;</FONT></TD><TD><B>The PLUS do not pay interest or guarantee the return of any principal. </B>The terms of the PLUS differ from those of ordinary
debt securities in that the PLUS do not pay interest or guarantee the return of any of the stated principal amount at maturity. Instead,
if the final underlier value is less than the initial underlier value, the payment at maturity will be an amount in cash that is less
than the $1,000 stated principal amount of each PLUS by a percentage equal to the percentage decrease from the initial underlier value
to the final underlier value. There is no minimum payment at maturity on the PLUS and, accordingly, you could lose your entire initial
investment in the PLUS.</TD></TR></TABLE>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Wingdings; font-size: 12pt; color: #A9C4EB">&sect;</FONT></TD><TD><B>The appreciation potential of the PLUS is limited by the maximum payment at maturity.</B> The appreciation potential of the PLUS
is limited by the maximum payment at maturity of at least $1,180.50 per PLUS (at least 118.05% of the stated principal amount). The actual
maximum payment at maturity will be determined on the pricing date. Although the leverage factor provides 300% exposure to any increase
in the final underlier value as compared to the initial underlier value, because the payment at maturity will be limited to at least 118.05%
of the stated principal amount for the PLUS, any increase in the final underlier value as compared to the initial underlier value by more
than approximately 6.017% (in the case where the maximum payment at maturity is 118.05% of the stated principal amount) of the initial
underlier value will not further increase the return on the PLUS.</TD></TR></TABLE>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Wingdings; font-size: 12pt; color: #A9C4EB">&sect;</FONT></TD><TD><B>Any payment on the PLUS will be determined based on the closing levels of the underlier on the dates specified.</B> Any payment
on the PLUS will be determined based on the closing levels of the underlier on the dates specified. You will not benefit from any more
favorable value of the underlier determined at any other time.</TD></TR></TABLE>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Wingdings; font-size: 12pt; color: #A9C4EB">&sect;</FONT></TD><TD><B>Investing <FONT STYLE="background-color: white">in the PLUS is not equivalent to investing in the underlier or the securities composing
the underlier.</FONT></B><FONT STYLE="background-color: white"> Investors in the PLUS will not have voting rights or rights to </FONT>receive
<FONT STYLE="background-color: white">dividends or other distributions or any other rights with respect to the securities composing the
underlier.</FONT></TD></TR></TABLE>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Wingdings; font-size: 12pt; color: #A9C4EB">&sect;</FONT></TD><TD><B>The U.S. federal income tax consequences of an investment in the PLUS are uncertain. </B>There is no direct legal authority regarding
the proper U.S. federal income tax treatment of the PLUS, and we do not plan to request a ruling from the Internal Revenue Service (the
&ldquo;IRS&rdquo;). Consequently, significant aspects of the tax treatment of the PLUS are uncertain, and the IRS or a court might not
agree with the treatment of the PLUS as prepaid forward contracts, as described below under &ldquo;Additional provisions&mdash;Tax considerations.&rdquo;
If the IRS were successful in asserting an alternative treatment for the PLUS, the tax consequences of the ownership and disposition of
the PLUS could be materially and adversely affected.</TD></TR></TABLE>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.25in; text-indent: 0in">In addition, in 2007 the Treasury Department
and the IRS released a notice requesting comments on various issues regarding the U.S. federal income tax treatment of &ldquo;prepaid
forward contracts&rdquo; and similar instruments. Any Treasury regulations or other guidance promulgated after consideration of these
issues could materially and adversely affect the tax consequences of an investment in the PLUS, possibly with retroactive effect. You
should review carefully the sections of the accompanying prospectus supplement entitled &ldquo;Material U.S. Federal Income Tax Consequences&mdash;Tax
Consequences to U.S. Holders&mdash;Notes Treated as Prepaid Forward Contracts&rdquo; and, if you are a non-U.S. holder, &ldquo;&mdash;Tax
Consequences to Non-U.S. Holders,&rdquo; and consult your tax advisor regarding the U.S. federal tax consequences of an investment in
the PLUS (including possible alternative treatments and the issues presented by the 2007 notice), as well as tax consequences arising
under the laws of any state, local or non-U.S. taxing jurisdiction.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.25in; text-indent: 0in">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #296DC1"><B>Risks Relating to the Issuer</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #296DC1">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Wingdings; font-size: 12pt; color: #A9C4EB">&sect;</FONT></TD><TD><B>Credit of issuer. </B>The PLUS are unsecured and unsubordinated debt obligations of the issuer, Barclays Bank PLC, and are not,
either directly or indirectly, an obligation of any third party. Any payment to be made on the PLUS, including any repayment of principal,
is subject to the ability of Barclays Bank PLC to satisfy its obligations as they come due and is not guaranteed by any third party. As
a result, the actual and perceived creditworthiness of Barclays Bank PLC may affect the market value of the PLUS and, in the event Barclays
Bank PLC were to default on its obligations, you might not receive any amount owed to you under the terms of the PLUS.</TD></TR></TABLE>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Wingdings; font-size: 12pt; color: #A9C4EB">&sect;</FONT></TD><TD><B>You may lose some or all of your investment if any U.K. Bail-in Power is exercised by the relevant U.K. resolution authority. </B>Notwithstanding
and to the exclusion of any other term of the PLUS or any other agreements, arrangements or understandings between Barclays Bank PLC and
any holder or beneficial owner of the PLUS (or the trustee on behalf of the holders of the PLUS), by acquiring the PLUS, each holder or
beneficial owner of the PLUS acknowledges, accepts, agrees to be bound by, and consents to the exercise of, any U.K. Bail-in Power by
the relevant U.K. resolution authority as set forth under</TD></TR></TABLE>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</P>


<!-- Field: Page; Sequence: 12; Value: 2 -->
    <DIV STYLE="margin-top: 6pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif; border-collapse: collapse"><TR STYLE="vertical-align: top"><TD STYLE="width: 50%; font-size: 10pt; color: #296DC1"><FONT STYLE="font-size: 10pt">October 2025</FONT></TD><TD STYLE="width: 50%; text-align: right; font-size: 10pt; color: #296DC1"><FONT STYLE="font-size: 10pt">Page <!-- Field: Sequence; Type: Arabic; Name: PageNo -->12<!-- Field: /Sequence --></FONT></TD></TR></TABLE></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="font: 12pt Arial, Helvetica, Sans-Serif; margin: 0pt 5pt 0pt 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt; color: #296DC1"><IMG SRC="image_003.jpg" ALT="" STYLE="height: 34px; width: 144px"></FONT></P><!-- Field: Rule-Page --><DIV STYLE="margin-top: 1pt; margin-bottom: 1pt; width: 100%"><DIV STYLE="border-top: #296DC1 0.75pt solid; font-size: 1pt">&nbsp;</DIV></DIV><!-- Field: /Rule-Page --><P STYLE="font: 12pt Arial, Helvetica, Sans-Serif; padding-top: 3pt; margin: 0pt; color: #296DC1">PLUS Based on the Value of the Russell 2000<SUP>&reg;</SUP> Index due December 3, 2026</P><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: gray"><B>Performance Leveraged Upside Securities<SUP>SM</SUP></B></P><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; padding-bottom: 3pt; margin: 0pt; color: gray"><FONT STYLE="font-size: 9pt"><B>Principal at Risk Securities</B></FONT></P><!-- Field: Rule-Page --><DIV STYLE="margin-top: 1pt; margin-bottom: 1pt; width: 100%"><DIV STYLE="border-top: #296DC1 0.75pt solid; font-size: 1pt">&nbsp;</DIV></DIV><!-- Field: /Rule-Page --><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: gray">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.25in; text-indent: 0in">&ldquo;Consent to U.K. Bail-in Power&rdquo;
in this document. Accordingly, any U.K. Bail-in Power may be exercised in such a manner as to result in you and other holders and beneficial
owners of the PLUS losing all or a part of the value of your investment in the PLUS or receiving a different security from the PLUS, which
may be worth significantly less than the PLUS and which may have significantly fewer protections than those typically afforded to debt
securities. Moreover, the relevant U.K. resolution authority may exercise the U.K. Bail-in Power without providing any advance notice
to, or requiring the consent of, the holders and beneficial owners of the PLUS. The exercise of any U.K. Bail-in Power by the relevant
U.K. resolution authority with respect to the PLUS will not be a default or an Event of Default (as each term is defined in the senior
debt securities indenture) and the trustee will not be liable for any action that the trustee takes, or abstains from taking, in either
case, in accordance with the exercise of the U.K. Bail-in Power by the relevant U.K. resolution authority with respect to the PLUS. See
&ldquo;Consent to U.K. Bail-in Power&rdquo; in this document as well as &ldquo;U.K. Bail-in Power,&rdquo; &ldquo;Risk Factors&mdash;Risks
Relating to the Securities Generally&mdash;Regulatory action in the event a bank or investment firm in the Group is failing or likely
to fail, including the exercise by the relevant U.K. resolution authority of a variety of statutory resolution powers, could materially
adversely affect the value of any securities&rdquo; and &ldquo;Risk Factors&mdash;Risks Relating to the Securities Generally&mdash;Under
the terms of the securities, you have agreed to be bound by the exercise of any U.K. Bail-in Power by the relevant U.K. resolution authority&rdquo;
in the accompanying prospectus supplement.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.25in; text-indent: 0in">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #296DC1"><B>Risks Relating to the Underlier</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #296DC1">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Wingdings; font-size: 12pt; color: #A9C4EB">&sect;</FONT></TD><TD><B>Adjustments <FONT STYLE="background-color: white">to the underlier could adversely affect the value of the PLUS. </FONT></B>The
sponsor of the underlier may add, delete, substitute or adjust the securities composing the underlier or make other methodological changes
to the underlier that could affect its performance. The calculation agent will calculate the value to be used as the closing level of
the underlier in the event of certain material changes in or modifications to the underlier. In addition, the sponsor of the underlier
may also discontinue or suspend calculation or publication of the underlier at any time. Under these circumstances, the calculation agent
may select a successor index that the calculation agent determines to be comparable to the underlier or, if no successor index is available,
the calculation agent will determine the value to be used as the closing level of the underlier. Any of these actions could adversely
affect the value of the underlier and, consequently, the value of the PLUS. See &ldquo;Reference Assets&mdash;Indices&mdash;Adjustments
Relating to Securities with an Index as a Reference Asset&rdquo; in the accompanying prospectus supplement.</TD></TR></TABLE>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Wingdings; font-size: 12pt; color: #A9C4EB">&sect;</FONT></TD><TD><B>The PLUS are subject to small-capitalization companies risk.</B> The underlier tracks companies that are considered small-capitalization
companies. These companies often have greater stock price volatility, lower trading volume and less liquidity than large-capitalization
companies, and therefore the PLUS linked to the underlier may be more volatile than an investment linked to an index with component stocks
issued by large-capitalization companies. Stock prices of small-capitalization companies are also more vulnerable than those of large-capitalization
companies to adverse business and economic developments. In addition, small-capitalization companies are typically less stable financially
than large-capitalization companies and may depend on a small number of key personnel, making them more vulnerable to loss of personnel.
Small-capitalization companies are often subject to less analyst coverage and may be in early, and less predictable, periods of their
corporate existences. Such companies tend to have smaller revenues, less diverse product lines, smaller shares of their product or service
markets, fewer financial resources and less competitive strengths than large-capitalization companies and are more susceptible to adverse
developments related to their products.</TD></TR></TABLE>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Wingdings; font-size: 12pt; color: #A9C4EB">&sect;</FONT></TD><TD><B>Governmental legislative or regulatory actions, such as sanctions, could adversely affect your investment in the PLUS.</B> Governmental
legislative or regulatory actions, including, without limitation, sanctions-related actions by the U.S. or a foreign government, could
prohibit or otherwise restrict persons from holding the PLUS or securities included in the underlier, or engaging in transactions in them,
and any such action could adversely affect the value of the underlier. These legislative or regulatory actions could result in restrictions
on the PLUS. You may lose a significant portion or all of your initial investment in the PLUS if you are forced to divest the PLUS due
to government mandates, especially if such divestment must be made at a time when the value of the PLUS has declined.</TD></TR></TABLE>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Wingdings; font-size: 12pt; color: #A9C4EB">&sect;</FONT></TD><TD><B>We may accelerate the PLUS if a change-in-law event occurs.</B> Upon the occurrence of legal or regulatory changes that may, among
other things, prohibit or otherwise materially restrict persons from holding the PLUS or the underlier or its components, or engaging
in transactions in them, the calculation agent may determine that a change-in-law event has occurred and accelerate the maturity date
for a payment determined by the calculation agent in its sole discretion. Any amount payable upon acceleration could be significantly
less than any amount that would be due on the PLUS if they were not accelerated. However, if the calculation agent elects not to accelerate
the PLUS, the value of, and any amount payable on, the PLUS could be adversely affected, perhaps significantly, by the occurrence of those
legal or regulatory changes. See &ldquo;Terms of the Notes&mdash;Change-in-Law Events&rdquo; in the accompanying prospectus supplement.</TD></TR></TABLE>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #296DC1"><B>Risks Relating to Conflicts of Interest</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #296DC1">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Wingdings; font-size: 12pt; color: #A9C4EB">&sect;</FONT></TD><TD><B>Hedging and trading activity by the issuer and its affiliates could potentially adversely affect the value of the PLUS.</B> The
hedging or trading activities of the issuer&rsquo;s affiliates and of any other hedging counterparty with respect to the PLUS on or prior
to the pricing date and prior to maturity could adversely affect the value of the underlier and, as a result, could decrease the amount
an investor may receive on the PLUS at maturity. Any of these hedging or trading activities on or prior to the pricing date could potentially
increase the initial underlier value and, therefore, the value at or above which the underlier must close on the valuation</TD></TR></TABLE>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</P>


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    <DIV STYLE="margin-top: 6pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif; border-collapse: collapse"><TR STYLE="vertical-align: top"><TD STYLE="width: 50%; font-size: 10pt; color: #296DC1"><FONT STYLE="font-size: 10pt">October 2025</FONT></TD><TD STYLE="width: 50%; text-align: right; font-size: 10pt; color: #296DC1"><FONT STYLE="font-size: 10pt">Page <!-- Field: Sequence; Type: Arabic; Name: PageNo -->13<!-- Field: /Sequence --></FONT></TD></TR></TABLE></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="font: 12pt Arial, Helvetica, Sans-Serif; margin: 0pt 5pt 0pt 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt; color: #296DC1"><IMG SRC="image_003.jpg" ALT="" STYLE="height: 34px; width: 144px"></FONT></P><!-- Field: Rule-Page --><DIV STYLE="margin-top: 1pt; margin-bottom: 1pt; width: 100%"><DIV STYLE="border-top: #296DC1 0.75pt solid; font-size: 1pt">&nbsp;</DIV></DIV><!-- Field: /Rule-Page --><P STYLE="font: 12pt Arial, Helvetica, Sans-Serif; padding-top: 3pt; margin: 0pt; color: #296DC1">PLUS Based on the Value of the Russell 2000<SUP>&reg;</SUP> Index due December 3, 2026</P><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: gray"><B>Performance Leveraged Upside Securities<SUP>SM</SUP></B></P><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; padding-bottom: 3pt; margin: 0pt; color: gray"><FONT STYLE="font-size: 9pt"><B>Principal at Risk Securities</B></FONT></P><!-- Field: Rule-Page --><DIV STYLE="margin-top: 1pt; margin-bottom: 1pt; width: 100%"><DIV STYLE="border-top: #296DC1 0.75pt solid; font-size: 1pt">&nbsp;</DIV></DIV><!-- Field: /Rule-Page --><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: gray">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.25in; text-indent: 0in">date so that the investor does not suffer
a loss on their initial investment in the PLUS. Additionally, such hedging or trading activities during the term of the PLUS, including
on the valuation date, could potentially affect the value of the underlier on the valuation date and, accordingly, the amount of cash
an investor will receive at maturity, if any.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.25in; text-indent: 0in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Wingdings; font-size: 12pt; color: #A9C4EB">&sect;</FONT></TD><TD><B>We and our affiliates, and any dealer participating in the distribution of the PLUS, may engage in various activities or make determinations
that could materially affect your PLUS in various ways and create conflicts of interest.</B> We and our affiliates play a variety of roles
in connection with the issuance of the PLUS, as described below. In performing these roles, our and our affiliates&rsquo; economic interests
are potentially adverse to your interests as an investor in the PLUS.</TD></TR></TABLE>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.25in; background-color: white">In connection with our normal business
activities and in connection with hedging our obligations under the PLUS, we and our affiliates make markets in and trade various financial
instruments or products for our accounts and for the account of our clients and otherwise provide investment banking and other financial
services with respect to these financial instruments and products. These financial instruments and products may include securities, derivative
instruments or assets that may relate to the underlier or its components. In any such market making, trading and hedging activity, investment
banking and other financial services, we or our affiliates may take positions or take actions that are inconsistent with, or adverse to,
the investment objectives of the holders of the PLUS. We and our affiliates have no obligation to take the needs of any buyer, seller
or holder of the PLUS into account in conducting these activities. Such market making, trading and hedging activity, investment banking
and other financial services may negatively impact the value of the PLUS.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.25in; background-color: white">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.25in; background-color: white">In addition, the role played by
Barclays Capital Inc., as the agent for the PLUS, could present significant conflicts of interest with the role of Barclays Bank PLC,
as issuer of the PLUS. For example, Barclays Capital Inc. or its representatives may derive compensation or financial benefit from the
distribution of the PLUS and such compensation or financial benefit may serve as an incentive to sell the PLUS instead of other investments.
Furthermore, we and our affiliates establish the offering price of the PLUS for initial sale to the public, and the offering price is
not based upon any independent verification or valuation.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.25in; background-color: white">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.25in; background-color: white">Furthermore, the selected dealer
or its affiliates will have the option to conduct a material portion of the hedging activities for us in connection with the PLUS. The
selected dealer or its affiliates would expect to realize a projected profit from such hedging activities, and this projected profit would
be in addition to any selling concession that the selected dealer realizes for the sale of the PLUS to you. This additional projected
profit may create a further incentive for the selected dealer to sell the PLUS to you.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.25in; background-color: white">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.25in; background-color: white">In addition to the activities described
above, we will also act as the calculation agent for the PLUS. As calculation agent, we will determine any values of the underlier and
make any other determinations necessary to calculate any payments on the PLUS. In making these determinations, we may be required to make
discretionary judgments, including those described in the accompanying prospectus supplement and under &ldquo;&mdash;Risks Relating to
the Underlier&rdquo; above. In making these discretionary judgments, our economic interests are potentially adverse to your interests
as an investor in the PLUS, and any of these determinations may adversely affect any payments on the PLUS.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.25in; background-color: white">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.25in; text-indent: -0.25in; color: #296DC1"><B>Risks Relating to
the Estimated Value of the PLUS and the Secondary Market</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.25in; text-indent: -0.25in; color: #296DC1">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Wingdings; font-size: 12pt; color: #A9C4EB">&sect;</FONT></TD><TD><B>The PLUS will not be listed on any securities exchange, and secondary trading may be limited. </B>Barclays Capital Inc. and other
affiliates of Barclays Bank PLC intend to offer to purchase the PLUS in the secondary market but are not required to do so and may cease
any such market making activities at any time, without notice. Even if a secondary market develops, it may not provide enough liquidity
to allow you to trade or sell the PLUS easily. Because other dealers are not likely to make a secondary market for the PLUS, the price,
if any, at which you may be able to trade your PLUS is likely to depend on the price, if any, at which Barclays Capital Inc. and other
affiliates of Barclays Bank PLC are willing to buy the PLUS. In addition, Barclays Capital Inc. or one or more of our other affiliates
may at any time hold an unsold portion of the PLUS (as described on the cover page of this document), which may inhibit the development
of a secondary market for the PLUS. The PLUS are not designed to be short-term trading instruments. Accordingly, you should be willing
and able to hold your PLUS to maturity.</TD></TR></TABLE>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Wingdings; font-size: 12pt; color: #A9C4EB">&sect;</FONT></TD><TD><B>The market price of the PLUS will be influenced by many unpredictable factors. </B>Several factors will influence the value of
the PLUS in the secondary market and the price at which Barclays Capital Inc. and other affiliates of Barclays Bank PLC may be willing
to purchase or sell the PLUS in the secondary market. Although we expect that generally the value of the underlier on any day will affect
the value of the PLUS more than any other single factor, other factors that may influence the value of the PLUS include:</TD></TR></TABLE>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt; background-color: white"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">o</FONT></TD><TD>the volatility (frequency and magnitude of changes in value) of the underlier;</TD></TR></TABLE>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt; background-color: white"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">o</FONT></TD><TD>dividend rates on the securities composing the underlier;</TD></TR></TABLE>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt; background-color: white"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">o</FONT></TD><TD>interest and yield rates in the market;</TD></TR></TABLE>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt; background-color: white"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">o</FONT></TD><TD>time remaining until the PLUS mature;</TD></TR></TABLE>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt; background-color: white"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">o</FONT></TD><TD>supply and demand for the PLUS;</TD></TR></TABLE>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt; background-color: white"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">o</FONT></TD><TD>geopolitical conditions and economic, financial, political, regulatory and judicial events that affect the securities composing the
underlier and that may affect the final underlier value; and</TD></TR></TABLE>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt; background-color: white"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">o</FONT></TD><TD>any actual or anticipated changes in our credit ratings or credit spreads.</TD></TR></TABLE>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</P>


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    <DIV STYLE="margin-top: 6pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif; border-collapse: collapse"><TR STYLE="vertical-align: top"><TD STYLE="width: 50%; font-size: 10pt; color: #296DC1"><FONT STYLE="font-size: 10pt">October 2025</FONT></TD><TD STYLE="width: 50%; text-align: right; font-size: 10pt; color: #296DC1"><FONT STYLE="font-size: 10pt">Page <!-- Field: Sequence; Type: Arabic; Name: PageNo -->14<!-- Field: /Sequence --></FONT></TD></TR></TABLE></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="font: 12pt Arial, Helvetica, Sans-Serif; margin: 0pt 5pt 0pt 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt; color: #296DC1"><IMG SRC="image_003.jpg" ALT="" STYLE="height: 34px; width: 144px"></FONT></P><!-- Field: Rule-Page --><DIV STYLE="margin-top: 1pt; margin-bottom: 1pt; width: 100%"><DIV STYLE="border-top: #296DC1 0.75pt solid; font-size: 1pt">&nbsp;</DIV></DIV><!-- Field: /Rule-Page --><P STYLE="font: 12pt Arial, Helvetica, Sans-Serif; padding-top: 3pt; margin: 0pt; color: #296DC1">PLUS Based on the Value of the Russell 2000<SUP>&reg;</SUP> Index due December 3, 2026</P><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: gray"><B>Performance Leveraged Upside Securities<SUP>SM</SUP></B></P><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; padding-bottom: 3pt; margin: 0pt; color: gray"><FONT STYLE="font-size: 9pt"><B>Principal at Risk Securities</B></FONT></P><!-- Field: Rule-Page --><DIV STYLE="margin-top: 1pt; margin-bottom: 1pt; width: 100%"><DIV STYLE="border-top: #296DC1 0.75pt solid; font-size: 1pt">&nbsp;</DIV></DIV><!-- Field: /Rule-Page --><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: gray">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.25in; background-color: white">The value of the underlier may be,
and has recently been, volatile, and we can give you no assurance that the volatility will lessen. See &ldquo;Russell 2000<SUP>&reg;</SUP>
Index Overview&rdquo; below. You may receive less, and possibly significantly less, than the stated principal amount if you try to sell
your PLUS prior to maturity.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.25in; background-color: white">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Wingdings; font-size: 12pt; color: #A9C4EB">&sect;</FONT></TD><TD><B>The estimated value of your PLUS is expected to be lower than the initial issue price of your PLUS. </B>The estimated value of
your PLUS on the pricing date is expected to be lower, and may be significantly lower, than the initial issue price of your PLUS. The
difference between the initial issue price of your PLUS and the estimated value of the PLUS is expected as a result of certain factors,
such as any sales commissions expected to be paid to Barclays Capital Inc. or another affiliate of ours, any selling concessions, discounts,
commissions or fees expected to be allowed or paid to non-affiliated intermediaries, the estimated profit that we or any of our affiliates
expect to earn in connection with structuring the PLUS, the estimated cost that we may incur in hedging our obligations under the PLUS,
and estimated development and other costs that we may incur in connection with the PLUS. These other costs will include a fee paid to
LFT Securities, LLC, an entity in which an affiliate of Morgan Stanley Wealth Management has an ownership interest, for providing certain
electronic platform services with respect to this offering.</TD></TR></TABLE>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Wingdings; font-size: 12pt; color: #A9C4EB">&sect;</FONT></TD><TD><B>The estimated value of your PLUS might be lower if such estimated value were based on the levels at which our debt securities trade
in the secondary market. </B>The estimated value of your PLUS on the pricing date is based on a number of variables, including our internal
funding rates. Our internal funding rates may vary from the levels at which our benchmark debt securities trade in the secondary market.
As a result of this difference, the estimated values referenced above might be lower if such estimated values were based on the levels
at which our benchmark debt securities trade in the secondary market.</TD></TR></TABLE>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Wingdings; font-size: 12pt; color: #A9C4EB">&sect;</FONT></TD><TD><B>The estimated value of the PLUS is based on our internal pricing models, which may prove to be inaccurate and may be different
from the pricing models of other financial institutions.</B> The estimated value of your PLUS on the pricing date is based on our internal
pricing models, which take into account a number of variables and are based on a number of subjective assumptions, which may or may not
materialize. These variables and assumptions are not evaluated or verified on an independent basis. Further, our pricing models may be
different from other financial institutions&rsquo; pricing models and the methodologies used by us to estimate the value of the PLUS may
not be consistent with those of other financial institutions that may be purchasers or sellers of PLUS in the secondary market. As a result,
the secondary market price of your PLUS may be materially different from the estimated value of the PLUS determined by reference to our
internal pricing models.</TD></TR></TABLE>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Wingdings; font-size: 12pt; color: #A9C4EB">&sect;</FONT></TD><TD><B>The estimated value of your PLUS is not a prediction of the prices at which you may sell your PLUS in the secondary market, if
any, and such secondary market prices, if any, will likely be lower than the initial issue price of your PLUS and may be lower than the
estimated value of your PLUS. </B>The estimated value of the PLUS will not be a prediction of the prices at which Barclays Capital Inc.,
other affiliates of ours or third parties may be willing to purchase the PLUS from you in secondary market transactions (if they are willing
to purchase, which they are not obligated to do). The price at which you may be able to sell your PLUS in the secondary market at any
time will be influenced by many factors that cannot be predicted, such as market conditions, and any bid and ask spread for similar sized
trades, and may be substantially less than our estimated value of the PLUS. Further, as secondary market prices of your PLUS take into
account the levels at which our debt securities trade in the secondary market, and do not take into account our various costs related
to the PLUS such as fees, commissions, discounts, and the costs of hedging our obligations under the PLUS, secondary market prices of
your PLUS will likely be lower than the initial issue price of your PLUS. As a result, the price at which Barclays Capital Inc., other
affiliates of ours or third parties may be willing to purchase the PLUS from you in secondary market transactions, if any, will likely
be lower than the price you paid for your PLUS, and any sale prior to the maturity date could result in a substantial loss to you.</TD></TR></TABLE>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Wingdings; font-size: 12pt; color: #A9C4EB">&sect;</FONT></TD><TD><B>The temporary price at which we may initially buy the PLUS in the secondary market and the value we may initially use for customer
account statements, if we provide any customer account statements at all, may not be indicative of future prices of your PLUS.</B> Assuming
that all relevant factors remain constant after the pricing date, the price at which Barclays Capital Inc. may initially buy or sell the
PLUS in the secondary market (if Barclays Capital Inc. makes a market in the PLUS, which it is not obligated to do) and the value that
we may initially use for customer account statements, if we provide any customer account statements at all, may exceed our estimated value
of the PLUS on the pricing date, as well as the secondary market value of the PLUS, for a temporary period after the initial issue date
of the PLUS. The price at which Barclays Capital Inc. may initially buy or sell the PLUS in the secondary market and the value that we
may initially use for customer account statements may not be indicative of future prices of your PLUS.</TD></TR></TABLE>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</P>


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    <DIV STYLE="margin-top: 6pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif; border-collapse: collapse"><TR STYLE="vertical-align: top"><TD STYLE="width: 50%; font-size: 10pt; color: #296DC1"><FONT STYLE="font-size: 10pt">October 2025</FONT></TD><TD STYLE="width: 50%; text-align: right; font-size: 10pt; color: #296DC1"><FONT STYLE="font-size: 10pt">Page <!-- Field: Sequence; Type: Arabic; Name: PageNo -->15<!-- Field: /Sequence --></FONT></TD></TR></TABLE></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="font: 12pt Arial, Helvetica, Sans-Serif; margin: 0pt 5pt 0pt 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt; color: #296DC1"><IMG SRC="image_003.jpg" ALT="" STYLE="height: 34px; width: 144px"></FONT></P><!-- Field: Rule-Page --><DIV STYLE="margin-top: 1pt; margin-bottom: 1pt; width: 100%"><DIV STYLE="border-top: #296DC1 0.75pt solid; font-size: 1pt">&nbsp;</DIV></DIV><!-- Field: /Rule-Page --><P STYLE="font: 12pt Arial, Helvetica, Sans-Serif; padding-top: 3pt; margin: 0pt; color: #296DC1">PLUS Based on the Value of the Russell 2000<SUP>&reg;</SUP> Index due December 3, 2026</P><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: gray"><B>Performance Leveraged Upside Securities<SUP>SM</SUP></B></P><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; padding-bottom: 3pt; margin: 0pt; color: gray"><FONT STYLE="font-size: 9pt"><B>Principal at Risk Securities</B></FONT></P><!-- Field: Rule-Page --><DIV STYLE="margin-top: 1pt; margin-bottom: 1pt; width: 100%"><DIV STYLE="border-top: #296DC1 0.75pt solid; font-size: 1pt">&nbsp;</DIV></DIV><!-- Field: /Rule-Page --><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: gray">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="color: #296DC1; font: 14pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Russell 2000<SUP>&reg;</SUP> Index Overview</P>

<P STYLE="color: #296DC1; font: 14pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">The underlier measures the capitalization-weighted price performance
of 2,000 U.S. small-capitalization stocks listed on eligible U.S. exchanges and is designed to track the performance of the small-capitalization
segment of the U.S. equity market. For more information about the underlier, see &ldquo;Indices&mdash;The Russell Indices&rdquo; in the
accompanying underlying supplement.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Information about the underlier as of market close on October 20, 2025:</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="2" ALIGN="CENTER" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 80%; border-collapse: collapse">
  <TR>
    <TD STYLE="width: 45%"><FONT STYLE="color: #296DC1"><B>Bloomberg Ticker Symbol:</B></FONT></TD>
    <TD STYLE="width: 19%">RTY</TD>
    <TD STYLE="width: 21%"><FONT STYLE="color: #296DC1"><B>52 Week High:</B></FONT></TD>
    <TD STYLE="width: 15%">2,519.754</TD></TR>
  <TR>
    <TD><FONT STYLE="color: #296DC1"><B>Current Closing Level:</B></FONT></TD>
    <TD>2,499.905</TD>
    <TD><FONT STYLE="color: #296DC1"><B>52 Week Low:</B></FONT></TD>
    <TD>1,760.710</TD></TR>
  <TR>
    <TD><FONT STYLE="color: #296DC1"><B>52 Weeks Ago (10/21/2024):</B></FONT></TD>
    <TD>2,239.711</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">The following table sets forth the published high, low and period-end
closing levels of the underlier for each quarter for the period of January 2, 2020 through October 20, 2025. The associated graph shows
the closing levels of the underlier for each day in the same period. The closing level of the underlier on October 20, 2025 was 2,499.905.
We obtained the closing levels of the underlier from Bloomberg Professional<SUP>&reg;</SUP> service, without independent verification.
Historical performance of the underlier should not be taken as an indication of future performance. Future performance of the underlier
may differ significantly from historical performance, and no assurance can be given as to the closing level of the underlier during the
term of the PLUS, including on the valuation date. We cannot give you assurance that the performance of the underlier will not result
in a loss on your initial investment.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="background-color: #296DC1">
    <TD STYLE="width: 46%; border-top: white 1.5pt solid; border-left: white 1.5pt solid"><FONT STYLE="color: white"><B>Russell 2000<SUP>&reg;</SUP> Index</B></FONT></TD>
    <TD STYLE="vertical-align: top; width: 18%; border-top: white 1.5pt solid; text-align: center"><FONT STYLE="color: white"><B>High</B></FONT></TD>
    <TD STYLE="vertical-align: top; width: 18%; border-top: white 1.5pt solid; text-align: center"><FONT STYLE="color: white"><B>Low</B></FONT></TD>
    <TD STYLE="vertical-align: top; width: 18%; border-top: white 1.5pt solid; border-right: white 1.5pt solid; text-align: center"><FONT STYLE="color: white"><B>Period End</B></FONT></TD></TR>
  <TR STYLE="background-color: #DCEBF4">
    <TD STYLE="border-left: white 1.5pt solid"><FONT STYLE="color: #296DC1"><B>2020</B></FONT></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-right: white 1.5pt solid">&nbsp;</TD></TR>
  <TR>
    <TD STYLE="border-left: white 1.5pt solid">First Quarter</TD>
    <TD STYLE="vertical-align: top; text-align: center">1,705.215</TD>
    <TD STYLE="vertical-align: top; text-align: center">991.160</TD>
    <TD STYLE="vertical-align: top; border-right: white 1.5pt solid; text-align: center">1,153.103</TD></TR>
  <TR>
    <TD STYLE="border-left: white 1.5pt solid">Second Quarter</TD>
    <TD STYLE="vertical-align: top; text-align: center">1,536.895</TD>
    <TD STYLE="vertical-align: top; text-align: center">1,052.053</TD>
    <TD STYLE="vertical-align: top; border-right: white 1.5pt solid; text-align: center">1,441.365</TD></TR>
  <TR>
    <TD STYLE="border-left: white 1.5pt solid">Third Quarter</TD>
    <TD STYLE="vertical-align: top; text-align: center">1,592.287</TD>
    <TD STYLE="vertical-align: top; text-align: center">1,398.920</TD>
    <TD STYLE="vertical-align: top; border-right: white 1.5pt solid; text-align: center">1,507.692</TD></TR>
  <TR>
    <TD STYLE="border-left: white 1.5pt solid">Fourth Quarter</TD>
    <TD STYLE="vertical-align: top; text-align: center">2,007.104</TD>
    <TD STYLE="vertical-align: top; text-align: center">1,531.202</TD>
    <TD STYLE="vertical-align: top; border-right: white 1.5pt solid; text-align: center">1,974.855</TD></TR>
  <TR STYLE="background-color: #DCEBF4">
    <TD STYLE="border-left: white 1.5pt solid"><FONT STYLE="color: #296DC1"><B>2021</B></FONT></TD>
    <TD STYLE="text-align: center">&nbsp;</TD>
    <TD STYLE="text-align: center">&nbsp;</TD>
    <TD STYLE="border-right: white 1.5pt solid; text-align: center">&nbsp;</TD></TR>
  <TR>
    <TD STYLE="border-left: white 1.5pt solid">First Quarter</TD>
    <TD STYLE="vertical-align: top; text-align: center">2,360.168</TD>
    <TD STYLE="vertical-align: top; text-align: center">1,945.914</TD>
    <TD STYLE="vertical-align: top; border-right: white 1.5pt solid; text-align: center">2,220.519</TD></TR>
  <TR>
    <TD STYLE="border-left: white 1.5pt solid">Second Quarter</TD>
    <TD STYLE="vertical-align: top; text-align: center">2,343.758</TD>
    <TD STYLE="vertical-align: top; text-align: center">2,135.139</TD>
    <TD STYLE="vertical-align: top; border-right: white 1.5pt solid; text-align: center">2,310.549</TD></TR>
  <TR>
    <TD STYLE="border-left: white 1.5pt solid">Third Quarter</TD>
    <TD STYLE="vertical-align: top; text-align: center">2,329.359</TD>
    <TD STYLE="vertical-align: top; text-align: center">2,130.680</TD>
    <TD STYLE="vertical-align: top; border-right: white 1.5pt solid; text-align: center">2,204.372</TD></TR>
  <TR>
    <TD STYLE="border-left: white 1.5pt solid">Fourth Quarter</TD>
    <TD STYLE="vertical-align: top; text-align: center">2,442.742</TD>
    <TD STYLE="vertical-align: top; text-align: center">2,139.875</TD>
    <TD STYLE="vertical-align: top; border-right: white 1.5pt solid; text-align: center">2,245.313</TD></TR>
  <TR STYLE="background-color: #DCEBF4">
    <TD STYLE="border-left: white 1.5pt solid"><FONT STYLE="color: #296DC1"><B>2022</B></FONT></TD>
    <TD STYLE="text-align: center">&nbsp;</TD>
    <TD STYLE="text-align: center">&nbsp;</TD>
    <TD STYLE="border-right: white 1.5pt solid; text-align: center">&nbsp;</TD></TR>
  <TR>
    <TD STYLE="border-left: white 1.5pt solid">First Quarter</TD>
    <TD STYLE="vertical-align: top; text-align: center">2,272.557</TD>
    <TD STYLE="vertical-align: top; text-align: center">1,931.288</TD>
    <TD STYLE="vertical-align: top; border-right: white 1.5pt solid; text-align: center">2,070.125</TD></TR>
  <TR>
    <TD STYLE="border-left: white 1.5pt solid">Second Quarter</TD>
    <TD STYLE="vertical-align: top; text-align: center">2,095.440</TD>
    <TD STYLE="vertical-align: top; text-align: center">1,649.836</TD>
    <TD STYLE="vertical-align: top; border-right: white 1.5pt solid; text-align: center">1,707.990</TD></TR>
  <TR>
    <TD STYLE="border-left: white 1.5pt solid">Third Quarter</TD>
    <TD STYLE="vertical-align: top; text-align: center">2,021.346</TD>
    <TD STYLE="vertical-align: top; text-align: center">1,655.882</TD>
    <TD STYLE="vertical-align: top; border-right: white 1.5pt solid; text-align: center">1,664.716</TD></TR>
  <TR>
    <TD STYLE="border-left: white 1.5pt solid">Fourth Quarter</TD>
    <TD STYLE="vertical-align: top; text-align: center">1,892.839</TD>
    <TD STYLE="vertical-align: top; text-align: center">1,682.403</TD>
    <TD STYLE="vertical-align: top; border-right: white 1.5pt solid; text-align: center">1,761.246</TD></TR>
  <TR STYLE="background-color: #DCEBF4">
    <TD STYLE="border-left: white 1.5pt solid"><FONT STYLE="color: #296DC1"><B>2023</B></FONT></TD>
    <TD STYLE="text-align: center">&nbsp;</TD>
    <TD STYLE="text-align: center">&nbsp;</TD>
    <TD STYLE="border-right: white 1.5pt solid; text-align: center">&nbsp;</TD></TR>
  <TR>
    <TD STYLE="border-left: white 1.5pt solid">First Quarter</TD>
    <TD STYLE="vertical-align: top; text-align: center">2,001.221</TD>
    <TD STYLE="vertical-align: top; text-align: center">1,720.291</TD>
    <TD STYLE="vertical-align: top; border-right: white 1.5pt solid; text-align: center">1,802.484</TD></TR>
  <TR>
    <TD STYLE="border-left: white 1.5pt solid">Second Quarter</TD>
    <TD STYLE="vertical-align: top; text-align: center">1,896.333</TD>
    <TD STYLE="vertical-align: top; text-align: center">1,718.811</TD>
    <TD STYLE="vertical-align: top; border-right: white 1.5pt solid; text-align: center">1,888.734</TD></TR>
  <TR>
    <TD STYLE="border-left: white 1.5pt solid">Third Quarter</TD>
    <TD STYLE="vertical-align: top; text-align: center">2,003.177</TD>
    <TD STYLE="vertical-align: top; text-align: center">1,761.609</TD>
    <TD STYLE="vertical-align: top; border-right: white 1.5pt solid; text-align: center">1,785.102</TD></TR>
  <TR>
    <TD STYLE="border-left: white 1.5pt solid">Fourth Quarter</TD>
    <TD STYLE="vertical-align: top; text-align: center">2,066.214</TD>
    <TD STYLE="vertical-align: top; text-align: center">1,636.938</TD>
    <TD STYLE="vertical-align: top; border-right: white 1.5pt solid; text-align: center">2,027.074</TD></TR>
  <TR STYLE="background-color: #DCEBF4">
    <TD STYLE="border-left: white 1.5pt solid"><FONT STYLE="color: #296DC1"><B>2024</B></FONT></TD>
    <TD STYLE="text-align: center">&nbsp;</TD>
    <TD STYLE="text-align: center">&nbsp;</TD>
    <TD STYLE="border-right: white 1.5pt solid; text-align: center">&nbsp;</TD></TR>
  <TR>
    <TD STYLE="border-left: white 1.5pt solid">First Quarter</TD>
    <TD STYLE="vertical-align: top; text-align: center">2,124.547</TD>
    <TD STYLE="vertical-align: top; text-align: center">1,913.166</TD>
    <TD STYLE="vertical-align: top; border-right: white 1.5pt solid; text-align: center">2,124.547</TD></TR>
  <TR>
    <TD STYLE="border-left: white 1.5pt solid">Second Quarter</TD>
    <TD STYLE="vertical-align: top; text-align: center">2,109.459</TD>
    <TD STYLE="vertical-align: top; text-align: center">1,942.958</TD>
    <TD STYLE="vertical-align: top; border-right: white 1.5pt solid; text-align: center">2,047.691</TD></TR>
  <TR>
    <TD STYLE="border-left: white 1.5pt solid">Third Quarter</TD>
    <TD STYLE="vertical-align: top; text-align: center">2,263.674</TD>
    <TD STYLE="vertical-align: top; text-align: center">2,026.727</TD>
    <TD STYLE="vertical-align: top; border-right: white 1.5pt solid; text-align: center">2,229.970</TD></TR>
  <TR>
    <TD STYLE="border-left: white 1.5pt solid">Fourth Quarter</TD>
    <TD STYLE="vertical-align: top; text-align: center">2,442.031</TD>
    <TD STYLE="vertical-align: top; text-align: center">2,180.146</TD>
    <TD STYLE="vertical-align: top; border-right: white 1.5pt solid; text-align: center">2,230.158</TD></TR>
  <TR STYLE="background-color: #DCEBF4">
    <TD STYLE="border-left: white 1.5pt solid"><FONT STYLE="color: #296DC1"><B>2025</B></FONT></TD>
    <TD STYLE="text-align: center">&nbsp;</TD>
    <TD STYLE="text-align: center">&nbsp;</TD>
    <TD STYLE="border-right: white 1.5pt solid; text-align: center">&nbsp;</TD></TR>
  <TR>
    <TD STYLE="border-left: white 1.5pt solid">First Quarter</TD>
    <TD STYLE="vertical-align: top; text-align: center">2,317.968</TD>
    <TD STYLE="vertical-align: top; text-align: center">1,993.690</TD>
    <TD STYLE="vertical-align: top; border-right: white 1.5pt solid; text-align: center">2,011.913</TD></TR>
  <TR>
    <TD STYLE="border-left: white 1.5pt solid; border-bottom: white 1.5pt solid">Second Quarter</TD>
    <TD STYLE="vertical-align: top; border-bottom: white 1.5pt solid; text-align: center">2,175.035</TD>
    <TD STYLE="vertical-align: top; border-bottom: white 1.5pt solid; text-align: center">1,760.710</TD>
    <TD STYLE="vertical-align: top; border-bottom: white 1.5pt solid; border-right: white 1.5pt solid; text-align: center">2,175.035</TD></TR>
  </TABLE>

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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="font: 12pt Arial, Helvetica, Sans-Serif; margin: 0pt 5pt 0pt 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt; color: #296DC1"><IMG SRC="image_003.jpg" ALT="" STYLE="height: 34px; width: 144px"></FONT></P><!-- Field: Rule-Page --><DIV STYLE="margin-top: 1pt; margin-bottom: 1pt; width: 100%"><DIV STYLE="border-top: #296DC1 0.75pt solid; font-size: 1pt">&nbsp;</DIV></DIV><!-- Field: /Rule-Page --><P STYLE="font: 12pt Arial, Helvetica, Sans-Serif; padding-top: 3pt; margin: 0pt; color: #296DC1">PLUS Based on the Value of the Russell 2000<SUP>&reg;</SUP> Index due December 3, 2026</P><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: gray"><B>Performance Leveraged Upside Securities<SUP>SM</SUP></B></P><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; padding-bottom: 3pt; margin: 0pt; color: gray"><FONT STYLE="font-size: 9pt"><B>Principal at Risk Securities</B></FONT></P><!-- Field: Rule-Page --><DIV STYLE="margin-top: 1pt; margin-bottom: 1pt; width: 100%"><DIV STYLE="border-top: #296DC1 0.75pt solid; font-size: 1pt">&nbsp;</DIV></DIV><!-- Field: /Rule-Page --><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: gray">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="background-color: #296DC1">
    <TD STYLE="width: 46%; border-top: white 1.5pt solid; border-left: white 1.5pt solid"><FONT STYLE="color: white"><B>Russell 2000<SUP>&reg;</SUP> Index</B></FONT></TD>
    <TD STYLE="vertical-align: top; width: 18%; border-top: white 1.5pt solid; text-align: center"><FONT STYLE="color: white"><B>High</B></FONT></TD>
    <TD STYLE="vertical-align: top; width: 18%; border-top: white 1.5pt solid; text-align: center"><FONT STYLE="color: white"><B>Low</B></FONT></TD>
    <TD STYLE="vertical-align: top; width: 18%; border-top: white 1.5pt solid; border-right: white 1.5pt solid; text-align: center"><FONT STYLE="color: white"><B>Period End</B></FONT></TD></TR>
  <TR>
    <TD STYLE="border-left: white 1.5pt solid">Third Quarter</TD>
    <TD STYLE="vertical-align: top; text-align: center">2,467.697</TD>
    <TD STYLE="vertical-align: top; text-align: center">2,166.780</TD>
    <TD STYLE="vertical-align: top; border-right: white 1.5pt solid; text-align: center">2,436.484</TD></TR>
  <TR>
    <TD STYLE="border-left: white 1.5pt solid">Fourth Quarter (through October 20, 2025)</TD>
    <TD STYLE="vertical-align: top; text-align: center">2,519.754</TD>
    <TD STYLE="vertical-align: top; text-align: center">2,394.595</TD>
    <TD STYLE="vertical-align: top; border-right: white 1.5pt solid; text-align: center">2,499.905</TD></TR>
  </TABLE>
<P STYLE="margin-top: 0; margin-bottom: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" ALIGN="CENTER" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 80%; border-collapse: collapse">
  <TR STYLE="vertical-align: top; background-color: #DCEBF4">
    <TD STYLE="width: 100%; border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="color: #296DC1"><B>Underlier Historical Performance<BR>
January 2, 2020 to October 20, 2025</B></FONT></TD></TR>
  <TR>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; text-align: center"><B><IMG SRC="image_001.gif" ALT="" STYLE="height: 321px; width: 613px"></B></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><B><I>&nbsp;</I></B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><B><I>PAST PERFORMANCE IS NOT INDICATIVE OF FUTURE
RESULTS.</I></B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">&nbsp;</P>


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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="font: 12pt Arial, Helvetica, Sans-Serif; margin: 0pt 5pt 0pt 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt; color: #296DC1"><IMG SRC="image_003.jpg" ALT="" STYLE="height: 34px; width: 144px"></FONT></P><!-- Field: Rule-Page --><DIV STYLE="margin-top: 1pt; margin-bottom: 1pt; width: 100%"><DIV STYLE="border-top: #296DC1 0.75pt solid; font-size: 1pt">&nbsp;</DIV></DIV><!-- Field: /Rule-Page --><P STYLE="font: 12pt Arial, Helvetica, Sans-Serif; padding-top: 3pt; margin: 0pt; color: #296DC1">PLUS Based on the Value of the Russell 2000<SUP>&reg;</SUP> Index due December 3, 2026</P><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: gray"><B>Performance Leveraged Upside Securities<SUP>SM</SUP></B></P><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; padding-bottom: 3pt; margin: 0pt; color: gray"><FONT STYLE="font-size: 9pt"><B>Principal at Risk Securities</B></FONT></P><!-- Field: Rule-Page --><DIV STYLE="margin-top: 1pt; margin-bottom: 1pt; width: 100%"><DIV STYLE="border-top: #296DC1 0.75pt solid; font-size: 1pt">&nbsp;</DIV></DIV><!-- Field: /Rule-Page --><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: gray">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="color: #296DC1; font: 14pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Additional Information about the PLUS</P>

<P STYLE="color: #296DC1; font: 14pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Please read this information in conjunction with the terms on the cover
page of this document.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top; background-color: #296DC1">
    <TD STYLE="width: 23%; border-top: #4F81BD 1pt solid; border-left: #4F81BD 1pt solid"><FONT STYLE="color: white"><B>Additional provisions:</B></FONT></TD>
    <TD STYLE="width: 77%; border-top: #4F81BD 1pt solid; border-right: #4F81BD 1pt solid">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top; background-color: #DCEBF4">
    <TD><FONT STYLE="color: #296DC1"><B>Minimum ticketing size:</B></FONT></TD>
    <TD>$1,000 / 1 PLUS</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="color: #296DC1"><B>Tax considerations:</B></FONT></TD>
    <TD>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">You should review carefully the sections in the accompanying prospectus
    supplement entitled &ldquo;Material U.S. Federal Income Tax Consequences&mdash;Tax Consequences to U.S. Holders&mdash;Notes Treated as
    Prepaid Forward Contracts&rdquo; and, if you are a non-U.S. holder, &ldquo;&mdash;Tax Consequences to Non-U.S. Holders.&rdquo; The following
    discussion, when read in combination with those sections, constitutes the full opinion of our special tax counsel, Davis Polk &amp; Wardwell
    LLP, regarding the material U.S. federal income tax consequences of owning and disposing of the PLUS.</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Based on current market conditions, in the opinion of our special tax
    counsel, the PLUS should be treated for U.S. federal income tax purposes as prepaid forward contracts with respect to the underlier. Assuming
    this treatment is respected, upon a sale or exchange of the PLUS (including redemption at maturity), you should recognize capital gain
    or loss equal to the difference between the amount realized on the sale or exchange and your tax basis in the PLUS, which should equal
    the amount you paid to acquire the PLUS. This gain or loss on your PLUS should be treated as long-term capital gain or loss if you hold
    your PLUS for more than a year, whether or not you are an initial purchaser of PLUS at the original issue price. However, the IRS or a
    court may not respect this treatment, in which case the timing and character of any income or loss on the PLUS could be materially and
    adversely affected. In addition, in 2007 the U.S. Treasury Department and the IRS released a notice requesting comments on the U.S. federal
    income tax treatment of &ldquo;prepaid forward contracts&rdquo; and similar instruments. The notice focuses in particular on whether to
    require investors in these instruments to accrue income over the term of their investment. It also asks for comments on a number of related
    topics, including the character of income or loss with respect to these instruments; the relevance of factors such as the nature of the
    underlying property to which the instruments are linked; the degree, if any, to which income (including any mandated accruals) realized
    by non-U.S. investors should be subject to withholding tax; and whether these instruments are or should be subject to the &ldquo;constructive
    ownership&rdquo; regime, which very generally can operate to recharacterize certain long-term capital gain as ordinary income and impose
    a notional interest charge. While the notice requests comments on appropriate transition rules and effective dates, any Treasury regulations
    or other guidance promulgated after consideration of these issues could materially and adversely affect the tax consequences of an investment
    in the PLUS, possibly with retroactive effect. You should consult your tax advisor regarding the U.S. federal income tax consequences
    of an investment in the PLUS, including possible alternative treatments and the issues presented by this notice.</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Treasury regulations under Section 871(m) generally impose a withholding
tax on certain &ldquo;dividend equivalents&rdquo; under certain &ldquo;equity linked instruments.&rdquo; A recent IRS notice excludes
from the scope of Section 871(m) instruments issued prior to January 1, 2027 that do not have a &ldquo;delta of one&rdquo; with respect
to underlying securities that could pay U.S.-source dividends for U.S. federal income tax purposes (each an &ldquo;Underlying Security&rdquo;).
Based on our determination that the PLUS do not have a &ldquo;delta of one&rdquo; within the meaning of the regulations, we expect that
these regulations will not apply to the PLUS with regard to non-U.S. holders. Our determination is not binding on the IRS, and the IRS
may disagree with this determination. Section 871(m) is complex and its application may depend on your particular circumstances, including
whether you enter into other transactions with respect to an Underlying Security. If necessary, further information regarding the potential
application of Section 871(m) will be provided in the pricing supplement for the PLUS. You should consult your tax advisor regarding
the potential application of Section 871(m) to the PLUS.</P></TD></TR>
  <TR STYLE="vertical-align: top; background-color: #DCEBF4">
    <TD><FONT STYLE="color: #296DC1"><B>Trustee:</B></FONT></TD>
    <TD>The Bank of New York Mellon </TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="color: #296DC1"><B>Use of proceeds and hedging:</B></FONT></TD>
    <TD>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">The net proceeds we receive from the sale of the PLUS will be used for
    various corporate purposes as set forth in the prospectus and prospectus supplement and, in part, in connection with hedging our obligations
    under the PLUS through one or more of our subsidiaries.</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt; margin-left: 0in; text-indent: 0in">We, through
our subsidiaries or others, hedge our anticipated exposure in connection with the PLUS by taking positions in futures and options contracts
on the underlier and any other securities or instruments we may wish to use in connection with such hedging. Trading and other transactions
by us or our affiliates could affect the value of the underlier, the market value of the PLUS or any amounts payable on your PLUS. For
further information on our use of proceeds and hedging, see &ldquo;Use of Proceeds and Hedging&rdquo; in the prospectus supplement.</P>
</TABLE>

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

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

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

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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="font: 12pt Arial, Helvetica, Sans-Serif; margin: 0pt 5pt 0pt 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt; color: #296DC1"><IMG SRC="image_003.jpg" ALT="" STYLE="height: 34px; width: 144px"></FONT></P><!-- Field: Rule-Page --><DIV STYLE="margin-top: 1pt; margin-bottom: 1pt; width: 100%"><DIV STYLE="border-top: #296DC1 0.75pt solid; font-size: 1pt">&nbsp;</DIV></DIV><!-- Field: /Rule-Page --><P STYLE="font: 12pt Arial, Helvetica, Sans-Serif; padding-top: 3pt; margin: 0pt; color: #296DC1">PLUS Based on the Value of the Russell 2000<SUP>&reg;</SUP> Index due December 3, 2026</P><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: gray"><B>Performance Leveraged Upside Securities<SUP>SM</SUP></B></P><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; padding-bottom: 3pt; margin: 0pt; color: gray"><FONT STYLE="font-size: 9pt"><B>Principal at Risk Securities</B></FONT></P><!-- Field: Rule-Page --><DIV STYLE="margin-top: 1pt; margin-bottom: 1pt; width: 100%"><DIV STYLE="border-top: #296DC1 0.75pt solid; font-size: 1pt">&nbsp;</DIV></DIV><!-- Field: /Rule-Page --><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: gray">&nbsp;</P></DIV>
    <!-- Field: /Page -->

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top; background-color: #DCEBF4">
    <TD STYLE="width: 23%"><FONT STYLE="color: #296DC1"><B>ERISA:</B></FONT></TD>
    <TD STYLE="width: 77%">See &ldquo;Benefit Plan Investor Considerations&rdquo; in the accompanying prospectus supplement.</TD></TR>
  </TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><I>&nbsp;</I></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><I>This document represents a summary of the terms and conditions of
the PLUS. We encourage you to read the accompanying prospectus, prospectus supplement and underlying supplement for this offering, which
can be accessed via the hyperlinks on the cover page of this document.</I></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="color: #296DC1; font: 14pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Supplemental Plan of Distribution</P>

<P STYLE="color: #296DC1; font: 14pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Morgan Stanley Smith Barney LLC (&ldquo;Morgan Stanley Wealth Management&rdquo;)
and its financial advisors will collectively receive from the agent, Barclays Capital Inc., a fixed sales commission for each PLUS they
sell, and Morgan Stanley Wealth Management will receive a structuring fee for each PLUS, in each case as specified on the cover page of
this document.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>


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

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