<SEC-DOCUMENT>0000950103-25-013742.txt : 20251028
<SEC-HEADER>0000950103-25-013742.hdr.sgml : 20251028
<ACCEPTANCE-DATETIME>20251028165113
ACCESSION NUMBER:		0000950103-25-013742
CONFORMED SUBMISSION TYPE:	424B2
PUBLIC DOCUMENT COUNT:		4
FILED AS OF DATE:		20251028
DATE AS OF CHANGE:		20251028

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:		251425589

	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>dp236402_424b2-7948ms.htm
<DESCRIPTION>FORM 424B2
<TEXT>
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<P STYLE="margin: 0">&nbsp;</P>

<TABLE CELLSPACING="2" CELLPADDING="2" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 100%"><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 Trigger PLUS and we are not soliciting
    an offer to buy the Trigger 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; text-align: center; color: red"><FONT STYLE="font-size: 9pt"><B>Subject
    to Completion. Dated October 28, 2025</B></FONT></P></TD></TR>
  </TABLE>

<TABLE CELLSPACING="2" CELLPADDING="2" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
  <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="font: 12pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #296DC1">STRUCTURED INVESTMENTS</P>

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

<P STYLE="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: rgb(41,109,193)">Dual Directional Trigger PLUS Based on the Value of
the SPDR<SUP>&reg;</SUP>&nbsp;S&amp;P<SUP>&reg;</SUP>&nbsp;Metals &amp; Mining ETF due February 3, 2027</P>

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

<P STYLE="font: 9pt 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">Unlike conventional debt securities, the Dual Directional Trigger Performance
Leveraged Upside Securities<SUP>SM</SUP> (the &ldquo;Trigger 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.
If the final underlier value is less than or equal to the initial underlier value but greater than or equal to the trigger value, which
is equal to 80% of the initial underlier value, at maturity investors will receive the stated principal amount plus an unleveraged positive
return equal to the absolute value of the percentage decline of the underlier from the initial underlier value. Because the trigger value
is 20% less than the initial underlier value, any positive return in the event that the final underlier value is less than the initial
underlier value is limited to 20%. However, if the final underlier value is less than the trigger 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 80% of the stated principal amount and could be zero. The Trigger PLUS are for investors
who seek an equity exchange-traded fund-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 upside leverage feature, which applies to a limited range of positive
performance of the underlier, and the absolute value return feature, which applies only if the final underlier value is less than the
initial underlier value and greater than or equal to the trigger value. <B>Investors may lose their entire initial investment in the Trigger
PLUS. The Trigger PLUS are unsecured and unsubordinated debt obligations of <FONT STYLE="background-color: white">Barclays Bank PLC. Any
payment on the Trigger 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 Trigger 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>

<TABLE CELLSPACING="2" CELLPADDING="2" 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="4" 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="4">Barclays Bank PLC</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="color: #296DC1"><B>Reference asset:</B></FONT></TD>
    <TD COLSPAN="4">SPDR<SUP>&reg;</SUP>&nbsp;S&amp;P<SUP>&reg;</SUP>&nbsp;Metals &amp; Mining ETF (Bloomberg ticker symbol &ldquo;XME UP&lt;Equity&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="4">$</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="color: #296DC1"><B>Stated principal amount:</B></FONT></TD>
    <TD COLSPAN="4">$1,000 per Trigger 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="4">October 31, 2025</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="color: #296DC1"><B>Original issue date:</B></FONT></TD>
    <TD COLSPAN="4">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="4">January 29, 2027</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="color: #296DC1"><B>Maturity date<SUP>&dagger;</SUP>:</B></FONT></TD>
    <TD COLSPAN="4">February 3, 2027</TD></TR>
  <TR STYLE="vertical-align: top; background-color: #DCEBF4">
    <TD><FONT STYLE="color: #296DC1"><B>Interest: </B></FONT></TD>
    <TD COLSPAN="4">None</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="color: #296DC1"><B>Payment at maturity:</B></FONT></TD>
    <TD COLSPAN="4">
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">You will receive on the maturity date a cash payment per Trigger
PLUS determined as follows:</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;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; 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 0pt 0.25in; text-indent: -0.25in"><FONT STYLE="font-family: Symbol">&middot;&#9;</FONT>&nbsp;&nbsp;&nbsp;If
the final underlier value is <I>less than or equal to </I>the initial underlier value but greater than or equal to the trigger value:</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.5in">$1,000 + ($1,000 &times; absolute value return)</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">In this scenario, you will receive a positive 1% return on the
Trigger PLUS for each 1% decrease of the underlier. In no event will this amount exceed the stated principal amount plus $200.00.</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;If
the final underlier value is <I>less than</I> the trigger value:</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"><I>This amount will be less than the stated principal amount of
$1,000 and will represent a loss of more than 20%, and possibly all, of an investor&rsquo;s initial investment. <B>Investors may lose
their entire initial investment in the Trigger PLUS. Any payment on the Trigger 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="4">Notwithstanding and to the exclusion of any other term of the Trigger PLUS or any other agreements, arrangements or understandings between Barclays Bank PLC and any holder or beneficial owner of the Trigger PLUS (or the trustee on behalf of the holders of the Trigger PLUS), by acquiring the Trigger PLUS, each holder or beneficial owner of the Trigger 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="4">At least $1,221.00 per Trigger PLUS (at least 122.10% 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="4">$1,000 &times; upside leverage factor &times; underlier return</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="color: #296DC1"><B>Upside leverage factor:</B></FONT></TD>
    <TD COLSPAN="4">200%. The upside leverage factor applies only if the final underlier value is greater than the initial underlier value.</TD></TR>
  <TR STYLE="vertical-align: top; background-color: #DCEBF4">
    <TD><FONT STYLE="color: #296DC1"><B>Trigger value*:</B></FONT></TD>
    <TD COLSPAN="4">$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;, which is 80% of the initial underlier value (rounded to two decimal places)</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="color: #296DC1"><B>Underlier return:</B></FONT></TD>
    <TD COLSPAN="4">(final underlier value &ndash; initial underlier value) / initial underlier value</TD></TR>
  <TR STYLE="vertical-align: top; background-color: #DCEBF4">
    <TD><FONT STYLE="color: #296DC1"><B>Absolute value return:</B></FONT></TD>
    <TD COLSPAN="4">The absolute value of the underlier return. For example, a -5% underlier return will result in a +5% absolute value return.</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="color: #296DC1"><B>Underlier performance factor:</B></FONT></TD>
    <TD COLSPAN="4">final underlier value / initial underlier value</TD></TR>
  <TR STYLE="vertical-align: top; background-color: #DCEBF4">
    <TD>&nbsp;</TD>
    <TD COLSPAN="4" STYLE="text-align: right"><B><I>(terms continued on the next page)</I></B></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 20%"><FONT STYLE="color: #296DC1"><B>Commissions and initial issue price:</B></FONT></TD>
    <TD STYLE="text-align: center; width: 20%"><FONT STYLE="color: #296DC1"><B>Initial issue price<SUP>(1)</SUP></B></FONT></TD>
    <TD STYLE="text-align: center; width: 20%"><FONT STYLE="color: #296DC1"><B>Price to public<SUP>(1)</SUP></B></FONT></TD>
    <TD STYLE="text-align: center; width: 20%"><FONT STYLE="color: #296DC1"><B>Agent&rsquo;s commissions</B></FONT></TD>
    <TD STYLE="text-align: center; width: 20%"><FONT STYLE="color: #296DC1"><B>Proceeds to issuer</B></FONT></TD></TR>
  <TR STYLE="background-color: #DCEBF4">
    <TD STYLE="padding-left: 0.5in"><FONT STYLE="color: #296DC1"><B>Per Trigger 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)</SUP>&nbsp;</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">$977.50</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.5in"><FONT STYLE="color: #296DC1"><B>Total</B></FONT></TD>
    <TD STYLE="text-align: center">$</TD>
    <TD STYLE="text-align: center">$</TD>
    <TD STYLE="text-align: center">$</TD>
    <TD STYLE="text-align: center">$</TD></TR>
  </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"><FONT STYLE="font-size: 9pt"><B><SUP>(1)</SUP></B></FONT></TD><TD><FONT STYLE="font-size: 9pt"><B>Our estimated
                                            value of the Trigger PLUS on the pricing date, based on our internal pricing models, is expected
                                            to be between $912.20 and $962.20 per Trigger PLUS. The estimated value is expected to be
                                            less than the initial issue price of the Trigger PLUS. See &ldquo;Additional Information
                                            Regarding Our Estimated Value of the Trigger PLUS&rdquo; on page 4 of this document.</B></FONT></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"><FONT STYLE="font-size: 9pt"><B><SUP>(2)</SUP></B></FONT></TD><TD><FONT STYLE="font-size: 9pt"><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 Trigger PLUS they sell. See &ldquo;Supplemental
                                            Plan of Distribution&rdquo; in this document.</B></FONT></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"><FONT STYLE="font-size: 9pt"><B><SUP>(3)</SUP></B></FONT></TD><TD><FONT STYLE="font-size: 9pt"><B>Reflects a structuring
                                            fee payable to Morgan Stanley Wealth Management by the agent or its affiliates of $5.00 for
                                            each Trigger PLUS.</B></FONT></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 Trigger PLUS and hold such Trigger PLUS for investment for a period of at least 30 days. Accordingly, the total
principal amount of the Trigger 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 Trigger PLUS available for secondary trading and, therefore, could adversely
affect the price of the Trigger 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; color: red"><B>Investing in the Trigger PLUS involves risks not associated
with an investment in conventional debt securities. See &ldquo;Risk Factors&rdquo; beginning on page 14 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"><B>The Trigger 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 Trigger 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">The Trigger PLUS constitute our unsecured and unsubordinated obligations.
The Trigger 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>

<TABLE CELLSPACING="2" CELLPADDING="2" ALIGN="CENTER" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 70%; 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" STYLE="color: Blue; text-decoration: underline"><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" STYLE="color: Blue; text-decoration: underline"><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" STYLE="color: Blue; text-decoration: underline"><FONT STYLE="font-size: 10pt">Underlying Supplement <BR>
dated May 15, 2025</FONT></A></TD></TR>
  </TABLE>

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

<!-- Field: Page; Sequence: 1 -->
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    <DIV STYLE="break-before: page; margin-top: 6pt"><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 5pt 0pt 0; text-align: right; color: Red"><B><IMG SRC="image_001.jpg" ALT=""></B></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: 12pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #296DC1">Dual Directional Trigger PLUS Based on the Value of the SPDR<SUP>&reg;</SUP>&nbsp;S&amp;P<SUP>&reg;</SUP>&nbsp;Metals &amp; Mining ETF due February 3, 2027</P><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: gray"><B>Dual Directional Trigger Performance Leveraged Upside Securities<SUP>SM</SUP></B></P><P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: Gray"><B>Principal at Risk Securities</B></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-size: 10pt; margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<TABLE CELLSPACING="2" 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>Initial underlier value:</B></FONT></TD>
    <TD STYLE="width: 80%">$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;, which is the closing price of the underlier on the pricing date</TD></TR>
  <TR STYLE="vertical-align: top; background-color: #DCEBF4">
    <TD><FONT STYLE="color: #296DC1"><B>Final underlier value:</B></FONT></TD>
    <TD>The closing price of the underlier on the valuation date</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="color: #296DC1"><B>Closing price:</B></FONT></TD>
    <TD>Closing price has the meaning set forth under &ldquo;Reference Assets&mdash;Exchange-Traded Funds&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>06746EKG9 / US06746EKG97</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="color: #296DC1"><B>Listing:</B></FONT></TD>
    <TD>The Trigger 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="2" CELLPADDING="2" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 2%"><FONT STYLE="font-size: 9pt">*</FONT></TD>
    <TD STYLE="width: 98%"><FONT STYLE="font-size: 9pt">The underlier and the terms of the Trigger 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.</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-size: 9pt"><SUP>&dagger;</SUP></FONT></TD>
    <TD><FONT STYLE="font-size: 9pt; background-color: white">Subject to postponement in certain circumstances, as described under &ldquo;Reference
    Assets&mdash;Exchange-Traded Funds&mdash;Market Disruption Events for Securities with an Exchange-Traded Fund That Holds Equity Securities
    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"><P STYLE="margin-top: 0; margin-bottom: 0"><FONT STYLE="font-size: 12pt"><B>Barclays Capital
Inc.&nbsp;</B></FONT></P></TD></TR>
</TABLE>

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


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    <DIV STYLE="break-before: page; margin-top: 6pt"><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 5pt 0pt 0; text-align: right; color: Red"><B><IMG SRC="image_001.jpg" ALT=""></B></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: 12pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #296DC1">Dual Directional Trigger PLUS Based on the Value of the SPDR<SUP>&reg;</SUP>&nbsp;S&amp;P<SUP>&reg;</SUP>&nbsp;Metals &amp; Mining ETF due February 3, 2027</P><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: gray"><B>Dual Directional Trigger Performance Leveraged Upside Securities<SUP>SM</SUP></B></P><P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: Gray"><B>Principal at Risk Securities</B></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-size: 10pt; margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="color: #296DC1; font: 14pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Additional Terms of the Trigger 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 Trigger 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 Trigger 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 Trigger 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 Trigger 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" STYLE="color: Blue; text-decoration: underline">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" STYLE="color: Blue; text-decoration: underline">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" STYLE="color: Blue; text-decoration: underline">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"><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 5pt 0pt 0; text-align: right; color: Red"><B><IMG SRC="image_001.jpg" ALT=""></B></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: 12pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #296DC1">Dual Directional Trigger PLUS Based on the Value of the SPDR<SUP>&reg;</SUP>&nbsp;S&amp;P<SUP>&reg;</SUP>&nbsp;Metals &amp; Mining ETF due February 3, 2027</P><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: gray"><B>Dual Directional Trigger Performance Leveraged Upside Securities<SUP>SM</SUP></B></P><P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: Gray"><B>Principal at Risk Securities</B></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-size: 10pt; margin: 0pt">&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 Trigger 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 Trigger 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 Trigger PLUS on the pricing date is expected
to be less than the initial issue price of the Trigger PLUS. The difference between the initial issue price of the Trigger PLUS and our
estimated value of the Trigger 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 Trigger PLUS, the estimated cost that we may incur in hedging our obligations under the Trigger PLUS, and estimated development and
other costs that we may incur in connection with the Trigger 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 Trigger PLUS may trade in the secondary market, nor will it be the price at which Barclays Capital Inc. may buy or sell the
Trigger 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 Trigger 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 Trigger 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 Trigger 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 Trigger PLUS and other costs in connection with the Trigger PLUS that we will no longer expect to incur over the term of the
Trigger 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 Trigger PLUS and/or any agreement we may have with the distributors of the Trigger 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 Trigger 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
14 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 Trigger 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 Trigger PLUS prior to their
pricing date. In the event of any changes to the terms of the Trigger 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"><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 5pt 0pt 0; text-align: right; color: Red"><B><IMG SRC="image_001.jpg" ALT=""></B></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: 12pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #296DC1">Dual Directional Trigger PLUS Based on the Value of the SPDR<SUP>&reg;</SUP>&nbsp;S&amp;P<SUP>&reg;</SUP>&nbsp;Metals &amp; Mining ETF due February 3, 2027</P><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: gray"><B>Dual Directional Trigger Performance Leveraged Upside Securities<SUP>SM</SUP></B></P><P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: Gray"><B>Principal at Risk Securities</B></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-size: 10pt; margin: 0pt">&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 Trigger PLUS or any other agreements, arrangements or understandings between us and any holder or beneficial
owner of the Trigger PLUS (or the trustee on behalf of the holders of the Trigger PLUS), by acquiring the Trigger PLUS, each holder or
beneficial owner of the Trigger 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 Trigger PLUS; (ii) the conversion of all,
or a portion, of the principal amount of, or interest on, or any other amounts payable on, the Trigger 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
Trigger PLUS of such shares, securities or obligations); (iii) the cancellation of the Trigger PLUS and/or (iv) the amendment or alteration
of the maturity of the Trigger PLUS, or the amendment of the amount of interest or any other amounts due on the Trigger 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 Trigger 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 Trigger PLUS further acknowledges and agrees that the rights
of the holders or beneficial owners of the Trigger 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 Trigger 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"><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 5pt 0pt 0; text-align: right; color: Red"><B><IMG SRC="image_001.jpg" ALT=""></B></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: 12pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #296DC1">Dual Directional Trigger PLUS Based on the Value of the SPDR<SUP>&reg;</SUP>&nbsp;S&amp;P<SUP>&reg;</SUP>&nbsp;Metals &amp; Mining ETF due February 3, 2027</P><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: gray"><B>Dual Directional Trigger Performance Leveraged Upside Securities<SUP>SM</SUP></B></P><P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: Gray"><B>Principal at Risk Securities</B></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-size: 10pt; margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

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

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

<P STYLE="font: 9pt 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 Dual Directional Trigger PLUS Based on the Value of the SPDR<SUP>&reg;</SUP>&nbsp;S&amp;P<SUP>&reg;</SUP>&nbsp;Metals
&amp; Mining ETF due February 3, 2027 (the &ldquo;Trigger 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 upside leverage factor</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 provide an unleveraged positive return in the event of a decline of the underlier from the pricing date to the valuation date,
but only if the final underlier value is greater than or equal to the trigger value</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 trigger value, the Trigger
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="2" CELLPADDING="2" ALIGN="CENTER" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 90%; 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 1.25 years</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="color: #296DC1"><B>Upside leverage factor:</B></FONT></TD>
    <TD>200% (applicable only if the final underlier value is greater than the initial underlier value)</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="color: #296DC1"><B>Maximum payment at maturity:</B></FONT></TD>
    <TD>At least $1,221.00 per Trigger PLUS (at least 122.10% 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>Trigger value:</B></FONT></TD>
    <TD>80% of the initial underlier value</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 Trigger 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="margin-top: 0; margin-bottom: 0">&nbsp;</P>
<P STYLE="color: #296DC1; font: 14pt Arial, Helvetica, Sans-Serif; 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 Trigger PLUS are for investors who seek an equity exchange-traded
fund-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 upside leverage feature, which applies to a limited range of positive performance of the underlier, and the
absolute value return feature, which applies only if the final underlier value is less than the initial underlier value and greater than
or equal to the trigger value. <B>Investors may lose their entire initial investment in the Trigger PLUS.</B></P>

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

<TABLE CELLSPACING="2" CELLPADDING="2" 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 Upside Performance</B></FONT></TD>
    <TD STYLE="width: 81%">The Trigger 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 STYLE="vertical-align: top">
    <TD STYLE="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>Absolute Return Feature</B></FONT></TD>
    <TD>The Trigger PLUS offer investors the potential for an unleveraged positive return at maturity if the final underlier value is less than the initial underlier value but greater than or equal to the trigger value.</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 if the Underlier Appreciates</B></FONT></TD>
    <TD>The final underlier value is greater than the initial underlier value. In this case, at maturity, the Trigger PLUS pay the stated principal amount of $1,000 plus a return equal to 200% of the underlier return, subject to the maximum payment at maturity of at least $1,221.00 per Trigger PLUS (at least 122.10% of the stated principal amount). The actual maximum payment at maturity will be determined on the pricing date.</TD></TR>
  </TABLE>

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

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    <DIV STYLE="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: 9pt; color: rgb(41,109,193)">October 2025</TD><TD STYLE="width: 50%; text-align: right; font-size: 9pt; color: rgb(41,109,193)">Page <!-- Field: Sequence; Type: Arabic; Name: PageNo -->6<!-- Field: /Sequence --></TD></TR></TABLE></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt"><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 5pt 0pt 0; text-align: right; color: Red"><B><IMG SRC="image_001.jpg" ALT=""></B></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: 12pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #296DC1">Dual Directional Trigger PLUS Based on the Value of the SPDR<SUP>&reg;</SUP>&nbsp;S&amp;P<SUP>&reg;</SUP>&nbsp;Metals &amp; Mining ETF due February 3, 2027</P><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: gray"><B>Dual Directional Trigger Performance Leveraged Upside Securities<SUP>SM</SUP></B></P><P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: Gray"><B>Principal at Risk Securities</B></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-size: 10pt; margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<TABLE CELLSPACING="2" CELLPADDING="2" 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>Absolute Return Scenario</B></FONT></TD>
    <TD STYLE="width: 81%">The final underlier value is less than or equal to the initial underlier value but greater than or equal to the trigger value. In this case, at maturity, the Trigger PLUS pay a positive 1% return for each 1% decrease of the underlier. For example, if the final underlier value is 5% less than the initial underlier value, the Trigger PLUS will provide a total positive return of 5% at maturity. Because the trigger value is 20% less than the initial underlier value, any positive return in the event that the final underlier value is less than the initial underlier value is limited to 20%.</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 trigger value. In this case, at maturity, the Trigger PLUS pay less than 80% of 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 Trigger PLUS will pay $450.00 per Trigger 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 Trigger PLUS. Accordingly, investors could lose their entire investment in the Trigger PLUS.</TD></TR>
  </TABLE>

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

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    <DIV STYLE="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: 9pt; color: rgb(41,109,193)">October 2025</TD><TD STYLE="width: 50%; text-align: right; font-size: 9pt; color: rgb(41,109,193)">Page <!-- Field: Sequence; Type: Arabic; Name: PageNo -->7<!-- Field: /Sequence --></TD></TR></TABLE></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt"><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 5pt 0pt 0; text-align: right; color: Red"><B><IMG SRC="image_001.jpg" ALT=""></B></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: 12pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #296DC1">Dual Directional Trigger PLUS Based on the Value of the SPDR<SUP>&reg;</SUP>&nbsp;S&amp;P<SUP>&reg;</SUP>&nbsp;Metals &amp; Mining ETF due February 3, 2027</P><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: gray"><B>Dual Directional Trigger Performance Leveraged Upside Securities<SUP>SM</SUP></B></P><P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: Gray"><B>Principal at Risk Securities</B></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-size: 10pt; margin: 0pt">&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 Trigger PLUS are not appropriate for all investors. The Trigger
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 or less than the initial underlier
value but greater than or equal to the trigger value, and you are willing and able to accept the risk that, if the final underlier value
is less than the trigger value, you will lose a significant portion, and possibly all, of the stated principal amount of the Trigger 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 the upside leverage feature applies only to any positive performance of the underlier and that any
potential upside return on the Trigger 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 that the absolute return feature applies only if the underlier does not decrease from the initial
underlier value by more than 20%, that any positive return in the event that the final underlier value is less than the initial underlier
value is limited to 20% and that any decline in the final underlier value from the initial underlier value by more than 20% will result
in a loss, rather than a positive return, on the Trigger 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 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
underlier or the securities held by the underlier</FONT>, nor will you have any voting rights with respect to <FONT STYLE="background-color: white">the
underlier or the securities held by 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 Trigger
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 Trigger 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 Trigger 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 trigger value, or you are unwilling or unable to accept the risk
that, if it is, you will lose a significant portion, and possibly all, of the stated principal amount of the Trigger 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 accept that the upside leverage feature applies only to any positive performance of the underlier or
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 that the absolute return feature applies only if the underlier does not decrease from the initial
underlier value by more than 20%, that any positive return in the event that the final underlier value is less than the initial underlier
value is limited to 20% or that any decline in the final underlier value from the initial underlier value by more than 20% will result
in a loss, rather than a positive return, on the Trigger 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 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
underlier or the securities held by 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 Trigger 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 Trigger 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>


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    <DIV STYLE="break-before: page; margin-top: 6pt"><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 5pt 0pt 0; text-align: right; color: Red"><B><IMG SRC="image_001.jpg" ALT=""></B></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: 12pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #296DC1">Dual Directional Trigger PLUS Based on the Value of the SPDR<SUP>&reg;</SUP>&nbsp;S&amp;P<SUP>&reg;</SUP>&nbsp;Metals &amp; Mining ETF due February 3, 2027</P><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: gray"><B>Dual Directional Trigger Performance Leveraged Upside Securities<SUP>SM</SUP></B></P><P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: Gray"><B>Principal at Risk Securities</B></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-size: 10pt; margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<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 Trigger PLUS</I>. </B>You should reach a decision whether to invest in the Trigger PLUS after carefully considering, with your
advisors, the appropriateness of the Trigger 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 Trigger PLUS for investment.</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"><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 5pt 0pt 0; text-align: right; color: Red"><B><IMG SRC="image_001.jpg" ALT=""></B></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: 12pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #296DC1">Dual Directional Trigger PLUS Based on the Value of the SPDR<SUP>&reg;</SUP>&nbsp;S&amp;P<SUP>&reg;</SUP>&nbsp;Metals &amp; Mining ETF due February 3, 2027</P><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: gray"><B>Dual Directional Trigger Performance Leveraged Upside Securities<SUP>SM</SUP></B></P><P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: Gray"><B>Principal at Risk Securities</B></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-size: 10pt; margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="color: #296DC1; font: 14pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">How the Dual Directional Trigger 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
Trigger PLUS based on the following terms:</P>

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

<TABLE CELLSPACING="2" CELLPADDING="2" ALIGN="CENTER" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 95%; 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 Trigger PLUS</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="color: #296DC1"><B>Upside leverage factor:</B></FONT></TD>
    <TD>200% (applicable only if the final underlier value is greater than the initial underlier value)</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="color: #296DC1"><B>Trigger value:</B></FONT></TD>
    <TD>80% of the initial underlier value</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="color: #296DC1"><B>Hypothetical maximum payment at maturity:</B></FONT></TD>
    <TD>$1,221.00 per Trigger PLUS (122.10% 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 Trigger PLUS.</TD></TR>
  </TABLE>

<P STYLE="margin-top: 0; margin-bottom: 0">&nbsp;</P>
<TABLE CELLSPACING="2" CELLPADDING="2" ALIGN="CENTER" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 90%; border-collapse: collapse">
  <TR STYLE="background-color: #DCEBF4">
    <TD STYLE="width: 100%; text-align: center"><FONT STYLE="color: #296DC1"><B>Dual Directional Trigger 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: 402px; width: 501px"></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> 200% 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 Trigger
PLUS, investors will realize the maximum payment at maturity at a final underlier value of 111.05% of the initial underlier value.</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="break-before: page; margin-top: 6pt"><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 5pt 0pt 0; text-align: right; color: Red"><B><IMG SRC="image_001.jpg" ALT=""></B></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: 12pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #296DC1">Dual Directional Trigger PLUS Based on the Value of the SPDR<SUP>&reg;</SUP>&nbsp;S&amp;P<SUP>&reg;</SUP>&nbsp;Metals &amp; Mining ETF due February 3, 2027</P><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: gray"><B>Dual Directional Trigger Performance Leveraged Upside Securities<SUP>SM</SUP></B></P><P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: Gray"><B>Principal at Risk Securities</B></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-size: 10pt; margin: 0pt">&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: 0.25in"></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 6% return, or $1,060.00 per Trigger 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 $1,221.00 per Trigger
PLUS, or 122.10% 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>Absolute Return Scenario. </B></FONT>If the final underlier value is less than or equal to the initial
underlier value but greater than or equal to the trigger value, at maturity investors will receive a positive 1% return on the Trigger
PLUS for each 1% decrease 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>For example, if the underlier depreciates by 5%, at maturity investors would receive a 5% return, or $1,050.00 per Trigger 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><FONT STYLE="color: #296DC1"><B>Downside Scenario. </B></FONT>If the final underlier value is less than the trigger value, at maturity
investors will receive an amount that is less than 80% of 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 Trigger 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 Trigger
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="break-before: page; margin-top: 6pt"><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 5pt 0pt 0; text-align: right; color: Red"><B><IMG SRC="image_001.jpg" ALT=""></B></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: 12pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #296DC1">Dual Directional Trigger PLUS Based on the Value of the SPDR<SUP>&reg;</SUP>&nbsp;S&amp;P<SUP>&reg;</SUP>&nbsp;Metals &amp; Mining ETF due February 3, 2027</P><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: gray"><B>Dual Directional Trigger Performance Leveraged Upside Securities<SUP>SM</SUP></B></P><P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: Gray"><B>Principal at Risk Securities</B></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-size: 10pt; margin: 0pt">&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 Trigger 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 Trigger 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 $100.00, a hypothetical trigger value of $80.00
(or 80% of the hypothetical initial underlier value) and a hypothetical maximum payment at maturity of $1,221.00 per Trigger PLUS (122.10%
of the stated principal amount) and reflect the upside leverage factor of 200%. The hypothetical initial underlier value of $100.00 has
been chosen for illustrative purposes only and may not represent a likely actual initial underlier value. Please see &ldquo;SPDR<SUP>&reg;</SUP>&nbsp;S&amp;P<SUP>&reg;</SUP>&nbsp;Metals
&amp; Mining ETF Overview&rdquo; below for recent actual values of the underlier. The actual initial underlier value, trigger 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 Trigger
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 Trigger PLUS.</P>

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

<TABLE CELLSPACING="2" CELLPADDING="2" ALIGN="CENTER" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
  <TR>
    <TD STYLE="white-space: nowrap; width: 17%; 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: 17%; 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: 13%; 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: 16%; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 2.25pt double; text-align: center">Absolute Value Return</TD>
    <TD STYLE="width: 21%; 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: 16%; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 2.25pt double; text-align: center">Total Return on Trigger 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">$150.00</TD>
    <TD STYLE="white-space: nowrap; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">50.00%</TD>
    <TD STYLE="white-space: nowrap; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">N/A</TD>
    <TD STYLE="white-space: nowrap; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">N/A</TD>
    <TD STYLE="white-space: nowrap; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">$1,221.00</TD>
    <TD STYLE="white-space: nowrap; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">22.10%</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">$140.00</TD>
    <TD STYLE="white-space: nowrap; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">40.00%</TD>
    <TD STYLE="white-space: nowrap; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">N/A</TD>
    <TD STYLE="white-space: nowrap; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">N/A</TD>
    <TD STYLE="white-space: nowrap; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">$1,221.00</TD>
    <TD STYLE="white-space: nowrap; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">22.10%</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">$130.00</TD>
    <TD STYLE="white-space: nowrap; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">30.00%</TD>
    <TD STYLE="white-space: nowrap; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">N/A</TD>
    <TD STYLE="white-space: nowrap; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">N/A</TD>
    <TD STYLE="white-space: nowrap; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">$1,221.00</TD>
    <TD STYLE="white-space: nowrap; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">22.10%</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">$120.00</TD>
    <TD STYLE="white-space: nowrap; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">20.00%</TD>
    <TD STYLE="white-space: nowrap; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">N/A</TD>
    <TD STYLE="white-space: nowrap; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">N/A</TD>
    <TD STYLE="white-space: nowrap; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">$1,221.00</TD>
    <TD STYLE="white-space: nowrap; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">22.10%</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">$111.05</TD>
    <TD STYLE="white-space: nowrap; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">11.05%</TD>
    <TD STYLE="white-space: nowrap; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">N/A</TD>
    <TD STYLE="white-space: nowrap; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">N/A</TD>
    <TD STYLE="white-space: nowrap; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">$1,221.00</TD>
    <TD STYLE="white-space: nowrap; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">22.10%</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">$110.00</TD>
    <TD STYLE="white-space: nowrap; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">10.00%</TD>
    <TD STYLE="white-space: nowrap; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">N/A</TD>
    <TD STYLE="white-space: nowrap; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">N/A</TD>
    <TD STYLE="white-space: nowrap; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">$1,200.00</TD>
    <TD STYLE="white-space: nowrap; border-bottom: Black 1pt solid; border-right: 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">$105.00</TD>
    <TD STYLE="white-space: nowrap; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">5.00%</TD>
    <TD STYLE="white-space: nowrap; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">N/A</TD>
    <TD STYLE="white-space: nowrap; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">N/A</TD>
    <TD STYLE="white-space: nowrap; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">$1,100.00</TD>
    <TD STYLE="white-space: nowrap; border-bottom: Black 1pt solid; border-right: 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">$102.50</TD>
    <TD STYLE="white-space: nowrap; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">2.50%</TD>
    <TD STYLE="white-space: nowrap; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">N/A</TD>
    <TD STYLE="white-space: nowrap; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">N/A</TD>
    <TD STYLE="white-space: nowrap; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">$1,050.00</TD>
    <TD STYLE="white-space: nowrap; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">5.00%</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">$100.00</TD>
    <TD STYLE="white-space: nowrap; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">0.00%</TD>
    <TD STYLE="white-space: nowrap; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">N/A</TD>
    <TD STYLE="white-space: nowrap; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">0.00%</TD>
    <TD STYLE="white-space: nowrap; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">$1,000.00</TD>
    <TD STYLE="white-space: nowrap; border-bottom: Black 1pt solid; border-right: 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">$95.00</TD>
    <TD STYLE="white-space: nowrap; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">-5.00%</TD>
    <TD STYLE="white-space: nowrap; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">N/A</TD>
    <TD STYLE="white-space: nowrap; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">5.00%</TD>
    <TD STYLE="white-space: nowrap; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">$1,050.00</TD>
    <TD STYLE="white-space: nowrap; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">5.00%</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">$90.00</TD>
    <TD STYLE="white-space: nowrap; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">-10.00%</TD>
    <TD STYLE="white-space: nowrap; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">N/A</TD>
    <TD STYLE="white-space: nowrap; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">10.00%</TD>
    <TD STYLE="white-space: nowrap; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">$1,100.00</TD>
    <TD STYLE="white-space: nowrap; border-bottom: Black 1pt solid; border-right: 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">$85.00</TD>
    <TD STYLE="white-space: nowrap; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">-15.00%</TD>
    <TD STYLE="white-space: nowrap; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">N/A</TD>
    <TD STYLE="white-space: nowrap; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">15.00%</TD>
    <TD STYLE="white-space: nowrap; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">$1,150.00</TD>
    <TD STYLE="white-space: nowrap; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">15.00%</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">$80.00</TD>
    <TD STYLE="white-space: nowrap; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">-20.00%</TD>
    <TD STYLE="white-space: nowrap; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">N/A</TD>
    <TD STYLE="white-space: nowrap; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">20.00%</TD>
    <TD STYLE="white-space: nowrap; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">$1,200.00</TD>
    <TD STYLE="white-space: nowrap; border-bottom: Black 1pt solid; border-right: 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">$79.99</TD>
    <TD STYLE="white-space: nowrap; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">-20.01%</TD>
    <TD STYLE="white-space: nowrap; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">79.99%</TD>
    <TD STYLE="white-space: nowrap; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">N/A</TD>
    <TD STYLE="white-space: nowrap; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">$799.90</TD>
    <TD STYLE="white-space: nowrap; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">-20.01%</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">$70.00</TD>
    <TD STYLE="white-space: nowrap; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">-30.00%</TD>
    <TD STYLE="white-space: nowrap; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">70.00%</TD>
    <TD STYLE="white-space: nowrap; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">N/A</TD>
    <TD STYLE="white-space: nowrap; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">$700.00</TD>
    <TD STYLE="white-space: nowrap; border-bottom: Black 1pt solid; border-right: 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">$60.00</TD>
    <TD STYLE="white-space: nowrap; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">-40.00%</TD>
    <TD STYLE="white-space: nowrap; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">60.00%</TD>
    <TD STYLE="white-space: nowrap; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">N/A</TD>
    <TD STYLE="white-space: nowrap; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">$600.00</TD>
    <TD STYLE="white-space: nowrap; border-bottom: Black 1pt solid; border-right: 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">$50.00</TD>
    <TD STYLE="white-space: nowrap; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">-50.00%</TD>
    <TD STYLE="white-space: nowrap; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">50.00%</TD>
    <TD STYLE="white-space: nowrap; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">N/A</TD>
    <TD STYLE="white-space: nowrap; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">$500.00</TD>
    <TD STYLE="white-space: nowrap; border-bottom: Black 1pt solid; border-right: 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">$40.00</TD>
    <TD STYLE="white-space: nowrap; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">-60.00%</TD>
    <TD STYLE="white-space: nowrap; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">40.00%</TD>
    <TD STYLE="white-space: nowrap; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">N/A</TD>
    <TD STYLE="white-space: nowrap; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">$400.00</TD>
    <TD STYLE="white-space: nowrap; border-bottom: Black 1pt solid; border-right: 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">$30.00</TD>
    <TD STYLE="white-space: nowrap; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">-70.00%</TD>
    <TD STYLE="white-space: nowrap; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">30.00%</TD>
    <TD STYLE="white-space: nowrap; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">N/A</TD>
    <TD STYLE="white-space: nowrap; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">$300.00</TD>
    <TD STYLE="white-space: nowrap; border-bottom: Black 1pt solid; border-right: 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">$20.00</TD>
    <TD STYLE="white-space: nowrap; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">-80.00%</TD>
    <TD STYLE="white-space: nowrap; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">20.00%</TD>
    <TD STYLE="white-space: nowrap; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">N/A</TD>
    <TD STYLE="white-space: nowrap; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">$200.00</TD>
    <TD STYLE="white-space: nowrap; border-bottom: Black 1pt solid; border-right: 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">$10.00</TD>
    <TD STYLE="white-space: nowrap; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">-90.00%</TD>
    <TD STYLE="white-space: nowrap; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">10.00%</TD>
    <TD STYLE="white-space: nowrap; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">N/A</TD>
    <TD STYLE="white-space: nowrap; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">$100.00</TD>
    <TD STYLE="white-space: nowrap; border-bottom: Black 1pt solid; border-right: 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">$0.00</TD>
    <TD STYLE="white-space: nowrap; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">-100.00%</TD>
    <TD STYLE="white-space: nowrap; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">0.00%</TD>
    <TD STYLE="white-space: nowrap; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">N/A</TD>
    <TD STYLE="white-space: nowrap; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">$0.00</TD>
    <TD STYLE="white-space: nowrap; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">-100.00%</TD></TR>
  </TABLE>

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

<!-- Field: Page; Sequence: 12; Value: 2 -->
    <DIV STYLE="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: 9pt; color: rgb(41,109,193)">October 2025</TD><TD STYLE="width: 50%; text-align: right; font-size: 9pt; color: rgb(41,109,193)">Page <!-- Field: Sequence; Type: Arabic; Name: PageNo -->12<!-- Field: /Sequence --></TD></TR></TABLE></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt"><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 5pt 0pt 0; text-align: right; color: Red"><B><IMG SRC="image_001.jpg" ALT=""></B></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: 12pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #296DC1">Dual Directional Trigger PLUS Based on the Value of the SPDR<SUP>&reg;</SUP>&nbsp;S&amp;P<SUP>&reg;</SUP>&nbsp;Metals &amp; Mining ETF due February 3, 2027</P><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: gray"><B>Dual Directional Trigger Performance Leveraged Upside Securities<SUP>SM</SUP></B></P><P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: Gray"><B>Principal at Risk Securities</B></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-size: 10pt; margin: 0pt">&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 $100.00 to a final underlier value of $150.00.</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">= the lesser of (a) $1,000 + ($1,000 &times; upside
leverage factor &times; underlier return) and (b) $1,221.00</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">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 = ($150.00 &ndash; $100.00) / $100.00 = 50.00%</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">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; upside
leverage factor &times; underlier return = ($1,000 &times; 200% &times; 50.00%) = $1,000.00</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 $1,000.00 is greater
than the maximum payment at maturity, the payment at maturity is equal to the maximum payment at maturity of $1,221.00 per Trigger PLUS,
representing a total return of 22.10% on the Trigger 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 $100.00 to a final underlier value of $102.50.</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">= the lesser of (a) $1,000 + ($1,000 &times; upside
leverage factor &times; underlier return) and (b) $1,221.00</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">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 = ($102.50 &ndash; $100.00) / $100.00 = 2.50%</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">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; upside
leverage factor &times; underlier return = ($1,000 &times; 200% &times; 2.50%) = $50.00</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 $50.00 is less than
the maximum payment at maturity, the payment at maturity is equal to $1,050.00 per Trigger PLUS, representing a total return of 5.00%
on the Trigger 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 $100.00 to a final underlier value of $90.00.</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 or equal to the initial
underlier value but greater than or equal to the trigger 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"><FONT STYLE="background-color: white">$1,000 + ($1,000
&times; absolute value return)</FONT></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"><FONT STYLE="background-color: white">First, calculate the underlier
return:</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; text-align: center"><FONT STYLE="background-color: white">underlier
return = (final underlier value &ndash; initial underlier value) / initial underlier value = ($90.00 &ndash; $100.00) / $100.00 = -10.00%</FONT></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"><FONT STYLE="background-color: white">Next, calculate the payment at
maturity. Because the absolute value of the underlier return of -10.00% is +10.00%, the payment at maturity is equal to:</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; text-align: center"><FONT STYLE="background-color: white">$1,000 + ($1,000
&times; 10.00%) = $1,100.00</FONT></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 Trigger PLUS is 10.00%.</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 4: The value of the underlier decreases from the initial
underlier value of $100.00 to a final underlier value of $50.00.</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 trigger value, the
payment at maturity is equal to $500.00 per Trigger 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">= $1,000 &times; (final underlier value / initial
underlier value)</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">= $1,000 &times; ($50.00 / $100.00) = $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 Trigger PLUS is -50.00%.</P>

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


<!-- Field: Page; Sequence: 13; Value: 2 -->
    <DIV STYLE="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: 9pt; color: rgb(41,109,193)">October 2025</TD><TD STYLE="width: 50%; text-align: right; font-size: 9pt; color: rgb(41,109,193)">Page <!-- Field: Sequence; Type: Arabic; Name: PageNo -->13<!-- Field: /Sequence --></TD></TR></TABLE></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt"><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 5pt 0pt 0; text-align: right; color: Red"><B><IMG SRC="image_001.jpg" ALT=""></B></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: 12pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #296DC1">Dual Directional Trigger PLUS Based on the Value of the SPDR<SUP>&reg;</SUP>&nbsp;S&amp;P<SUP>&reg;</SUP>&nbsp;Metals &amp; Mining ETF due February 3, 2027</P><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: gray"><B>Dual Directional Trigger Performance Leveraged Upside Securities<SUP>SM</SUP></B></P><P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: Gray"><B>Principal at Risk Securities</B></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-size: 10pt; margin: 0pt">&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 Trigger PLUS involves significant risks. We
urge you to consult your investment, legal, tax, accounting and other advisors before you invest in the Trigger PLUS. Investing in the
Trigger PLUS is not equivalent to investing directly in the underlier or any of the securities held by the underlier or composing the
tracked index (as defined below). Some of the risks that apply to an investment in the Trigger PLUS are summarized below, but we urge
you to read the more detailed explanation of risks relating to the Trigger PLUS generally in the &ldquo;Risk Factors&rdquo; section of
the prospectus supplement. You should not purchase the Trigger PLUS unless you understand and can bear the risks of investing in the Trigger
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 Trigger 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 Trigger PLUS do not pay interest or guarantee the return of any principal. </B>The terms of the Trigger PLUS differ from those
of ordinary debt securities in that the Trigger 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 trigger value, which is 80% of 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 Trigger 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
Trigger PLUS and, accordingly, you could lose your entire initial investment in the Trigger 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 Trigger PLUS is limited by the maximum payment at maturity.</B> The appreciation potential of
the Trigger PLUS is limited by the maximum payment at maturity of at least $1,221.00 per Trigger PLUS (at least 122.10% of the stated
principal amount). The actual maximum payment at maturity will be determined on the pricing date. Although the upside leverage factor
provides 200% 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 122.10% of the stated principal amount for the Trigger PLUS, any increase in the final underlier
value as compared to the initial underlier value by more than 11.05% (in the case where the maximum payment at maturity is 122.10% of
the stated principal amount) of the initial underlier value will not further increase the return on the Trigger 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><FONT STYLE="background-color: white"><B>Your potential for a positive return from depreciation of the underlier is limited.</B> The
absolute value return feature applies only if the final underlier value is less than the initial underlier value but greater than or equal
to the trigger value, which is equal to </FONT>80% <FONT STYLE="background-color: white">of the initial underlier value. Thus, any return
potential of the Trigger PLUS in the event that the final underlier value is less than the initial underlier value is limited to </FONT>20%<FONT STYLE="background-color: white">.
Any decline in the final underlier value from the initial underlier value by more than </FONT>20% <FONT STYLE="background-color: white">will
result in a loss, rather than a positive return, on the Trigger PLUS.</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>Any payment on the Trigger PLUS will be determined based on the closing prices of the underlier on the dates specified.</B> Any
payment on the Trigger PLUS will be determined based on the closing prices 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>Owning <FONT STYLE="background-color: white">the Trigger PLUS is not equivalent to owning the underlier, the securities held by
the underlier or the securities composing the tracked index.</FONT></B><FONT STYLE="background-color: white"> The return on your Trigger
PLUS may not reflect the return you would realize if you actually owned the underlier, the securities held by the underlier or the securities
composing the tracked index. For example, as a holder of the Trigger PLUS, you will not have voting </FONT>rights<FONT STYLE="background-color: white">,
rights to receive dividends or other distributions or any other rights with respect to the underlier, the securities held by the underlier
or the securities composing the tracked index.</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 Trigger PLUS are uncertain. </B>There is no direct legal authority
regarding the proper U.S. federal income tax treatment of the Trigger 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 Trigger PLUS are uncertain, and the IRS
or a court might not agree with the treatment of the Trigger 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 Trigger PLUS, the
tax consequences of the ownership and disposition of the Trigger 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">Even if the treatment of the Trigger PLUS is respected, the
IRS may assert that the Trigger PLUS constitute &ldquo;constructive ownership transactions&rdquo; within the meaning of Section 1260 of
the Internal Revenue Code of 1986, as amended (the &ldquo;Code&rdquo;), in which case gain recognized in respect of the Trigger PLUS that
would otherwise be long-term capital gain and that was in excess of the &ldquo;net underlying long-term capital gain&rdquo; (as defined
in Section 1260) would be treated as ordinary income, and a notional interest charge would apply as if that income had accrued for tax
purposes at a constant yield over the term of the Trigger PLUS. Our special tax counsel has not expressed an opinion with respect to whether
the constructive ownership rules apply to the Trigger PLUS.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.25in">&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 Trigger PLUS, possibly with retroactive effect.
You should review carefully the sections of the accompanying</P>

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


<!-- Field: Page; Sequence: 14; Value: 2 -->
    <DIV STYLE="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: 9pt; color: rgb(41,109,193)">October 2025</TD><TD STYLE="width: 50%; text-align: right; font-size: 9pt; color: rgb(41,109,193)">Page <!-- Field: Sequence; Type: Arabic; Name: PageNo -->14<!-- Field: /Sequence --></TD></TR></TABLE></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt"><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 5pt 0pt 0; text-align: right; color: Red"><B><IMG SRC="image_001.jpg" ALT=""></B></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: 12pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #296DC1">Dual Directional Trigger PLUS Based on the Value of the SPDR<SUP>&reg;</SUP>&nbsp;S&amp;P<SUP>&reg;</SUP>&nbsp;Metals &amp; Mining ETF due February 3, 2027</P><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: gray"><B>Dual Directional Trigger Performance Leveraged Upside Securities<SUP>SM</SUP></B></P><P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: Gray"><B>Principal at Risk Securities</B></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-size: 10pt; margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.25in; text-indent: 0in">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 Trigger PLUS (including the potential application of the constructive ownership rules,
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 Trigger 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 Trigger 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 Trigger 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 Trigger 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 Trigger PLUS or any other agreements, arrangements or understandings between Barclays Bank
PLC and any holder or beneficial owner of the Trigger PLUS (or the trustee on behalf of the holders of the Trigger PLUS), by acquiring
the Trigger PLUS, each holder or beneficial owner of the Trigger 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 &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 Trigger PLUS losing all or a part of the value of your investment in the Trigger PLUS or receiving a different security
from the Trigger PLUS, which may be worth significantly less than the Trigger 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 Trigger PLUS. The exercise
of any U.K. Bail-in Power by the relevant U.K. resolution authority with respect to the Trigger 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 Trigger 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.</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 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>Certain <FONT STYLE="background-color: white">features of exchange-traded funds will impact the value of the Trigger PLUS.</FONT></B><FONT STYLE="background-color: white">
The performance of the underlier will not fully replicate the performance of the tracked index, and the underlier may hold securities
or other assets not included in the tracked index. The value of the underlier is subject to:</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; 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><I>Management risk</I>. This is the risk that the investment strategy for the underlier, the implementation of which is subject to
a number of constraints, may not produce the intended results. The underlier&rsquo;s investment adviser may have the right to use a portion
of the underlier&rsquo;s assets to invest in shares of equity securities that are not included in the tracked index. The underlier is
not actively managed, and the underlier&rsquo;s investment adviser will generally not attempt to take defensive positions in declining
markets.</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><I>Derivatives risk. </I>The underlier may invest in derivatives, including forward contracts, futures contracts, options on futures
contracts, options and swaps. A derivative is a financial contract, the value of which depends on, or is derived from, the value of an
underlying asset such as a security or an index. Compared to conventional securities, derivatives can be more sensitive to changes in
interest rates or to sudden fluctuations in market prices, and thus the underlier&rsquo;s losses may be greater than if the underlier
invested only in conventional securities.</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><I>Transaction costs and fees.</I> Unlike the tracked index, the underlier will reflect transaction costs and fees that will reduce
its performance relative to the tracked index.</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 0.5in; text-indent: 0in">Generally, the longer the time remaining
to maturity, the more the market price of the Trigger PLUS will be affected by the factors described above. In addition, the underlier
may diverge significantly from the performance of the tracked index due to differences in trading hours between the underlier and the
securities composing the tracked index or other circumstances. During periods of market volatility, the component securities held by the
underlier may be unavailable in the secondary market, market participants may be unable to calculate accurately the <FONT STYLE="background-color: white">intraday</FONT>
net asset value per share of the underlier and the liquidity of the underlier may be adversely affected. This kind of market volatility
may also disrupt the ability of market participants to create and redeem shares in the underlier. Further, market volatility may adversely
affect, sometimes materially,</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: 0in">&nbsp;</P>


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    <DIV STYLE="break-before: page; margin-top: 6pt"><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 5pt 0pt 0; text-align: right; color: Red"><B><IMG SRC="image_001.jpg" ALT=""></B></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: 12pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #296DC1">Dual Directional Trigger PLUS Based on the Value of the SPDR<SUP>&reg;</SUP>&nbsp;S&amp;P<SUP>&reg;</SUP>&nbsp;Metals &amp; Mining ETF due February 3, 2027</P><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: gray"><B>Dual Directional Trigger Performance Leveraged Upside Securities<SUP>SM</SUP></B></P><P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: Gray"><B>Principal at Risk Securities</B></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-size: 10pt; margin: 0pt">&nbsp;</P></DIV>
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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: 0in">the prices at which market participants
are willing to buy and sell shares of the underlier. As a result, under these circumstances, the market value of the underlier may vary
substantially from the net asset value per share of the underlier. Because the Trigger PLUS are linked to the performance of the underlier
and not the tracked index, the return on your Trigger PLUS may be less than that of an alternative investment linked directly to the tracked
index.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; 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>Adjustments to the underlier or to its tracked index could adversely affect the value of the Trigger PLUS or result in the Trigger
PLUS being accelerated. </B>The investment adviser of the underlier may add, delete or substitute the component securities held by the
underlier or make changes to its investment strategy, and the sponsor of the tracked index may add, delete, substitute or adjust the securities
composing the tracked index or make other methodological changes to the tracked index that could affect its performance. In addition,
if the shares of the underlier are de-listed or if the underlier is liquidated or otherwise terminated, the calculation agent may select
a successor fund that the calculation agent determines to be comparable to the underlier or, if no successor fund is available, the maturity
date of the Trigger PLUS will be accelerated for a payment determined by the calculation agent. Any of these actions could adversely affect
the value of the underlier and, consequently, the value of the Trigger PLUS. Any amount payable upon acceleration could be significantly
less than the amount(s) that would be due on the Trigger PLUS if they were not accelerated. However, if we elect not to accelerate the
securities, the value of, and any amount payable on, the securities could be adversely affected, perhaps significantly. See &ldquo;Reference
Assets&mdash;Exchange-Traded Funds&mdash;Adjustments Relating to Securities with an Exchange-Traded Fund as a Reference Asset&mdash;Discontinuance
of an Exchange-Traded Fund&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>Anti-dilution protection is limited, and the calculation agent has discretion to make anti-dilution adjustments.</B> The calculation
agent may in its sole discretion make adjustments affecting the amounts payable on the Trigger PLUS upon the occurrence of certain events
that the calculation agent determines have a diluting or concentrative effect on the theoretical value of the shares of the underlier.
However, the calculation agent might not make such adjustments in response to all events that could affect the shares of the underlier.
The occurrence of any such event and any adjustment made by the calculation agent (or a determination by the calculation agent not to
make any adjustment) may adversely affect the market price of, and any amounts payable on, the Trigger PLUS. See &ldquo;Reference Assets&mdash;Exchange-Traded
Funds&mdash;Adjustments Relating to Securities with an Exchange-Traded Fund as a Reference Asset&mdash;Anti-dilution Adjustments&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 Trigger PLUS are subject to risks associated with the metals and mining industry.</B> All or substantially all of the equity
securities held by the underlier are issued by companies whose primary line of business is directly associated with the metals and mining
industry. As a result, the value of the Notes may be subject to greater volatility and be more adversely affected by a single economic,
political or regulatory occurrence affecting this industry than a different investment linked to securities of a more broadly diversified
group of issuers. Metals and mining companies can be significantly affected by events relating to international political and economic
developments, energy conservation, the success of exploration projects, commodity prices and tax and other government regulations. Investments
in metals and mining companies may be speculative and may be subject to greater price volatility than investments in other types of companies.
Risks of metals and mining investments include: changes in international monetary policies or economic and political conditions that can
affect the supply of precious metals and consequently the value of metals and mining company investments; the United States or foreign
governments may pass laws or regulations limiting metals investments for strategic or other policy reasons; and increased environmental
or labor costs may depress the value of metals and mining investments.</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 Trigger 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 Trigger PLUS or 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 Trigger PLUS or the de-listing of the underlier. You may lose a significant portion or all of your initial investment in the Trigger
PLUS if the underlier is de-listed or if you are forced to divest the Trigger PLUS due to government mandates, especially if such de-listing
occurs or such divestment must be made at a time when the value of the Trigger PLUS has declined. See &ldquo;&mdash;Adjustments to the
underlier or to its tracked index could adversely affect the value of the Trigger PLUS or result in the Trigger PLUS being accelerated&rdquo;
above.</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 Trigger 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 Trigger 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 Trigger PLUS if they were not accelerated. However, if the calculation agent elects not
to accelerate the Trigger PLUS, the value of, and any amount payable on, the Trigger 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>


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    <DIV STYLE="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: 9pt; color: rgb(41,109,193)">October 2025</TD><TD STYLE="width: 50%; text-align: right; font-size: 9pt; color: rgb(41,109,193)">Page <!-- Field: Sequence; Type: Arabic; Name: PageNo -->16<!-- Field: /Sequence --></TD></TR></TABLE></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt"><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 5pt 0pt 0; text-align: right; color: Red"><B><IMG SRC="image_001.jpg" ALT=""></B></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: 12pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #296DC1">Dual Directional Trigger PLUS Based on the Value of the SPDR<SUP>&reg;</SUP>&nbsp;S&amp;P<SUP>&reg;</SUP>&nbsp;Metals &amp; Mining ETF due February 3, 2027</P><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: gray"><B>Dual Directional Trigger Performance Leveraged Upside Securities<SUP>SM</SUP></B></P><P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: Gray"><B>Principal at Risk Securities</B></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-size: 10pt; margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<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 Trigger PLUS.</B>
The hedging or trading activities of the issuer&rsquo;s affiliates and of any other hedging counterparty with respect to the Trigger 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 Trigger 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, as a result, the trigger value, which is the value at or above which
the underlier must close on the valuation date so that the investor does not suffer a loss on their initial investment in the Trigger
PLUS. Additionally, such hedging or trading activities during the term of the Trigger 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.</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 and our affiliates, and any dealer participating in the distribution of the Trigger PLUS, may engage in various activities or
make determinations that could materially affect your Trigger 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 Trigger 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 Trigger 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 Trigger 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 Trigger PLUS. We and our affiliates have no obligation to take the needs of
any buyer, seller or holder of the Trigger 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 Trigger 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 Trigger PLUS, could present significant conflicts of interest with the role of Barclays Bank
PLC, as issuer of the Trigger PLUS. For example, Barclays Capital Inc. or its representatives may derive compensation or financial benefit
from the distribution of the Trigger PLUS and such compensation or financial benefit may serve as an incentive to sell the Trigger PLUS
instead of other investments. Furthermore, we and our affiliates establish the offering price of the Trigger 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 Trigger 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 Trigger PLUS to you. This additional
projected profit may create a further incentive for the selected dealer to sell the Trigger 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 Trigger PLUS. As calculation agent, we will determine any values of the underlier
and make any other determinations necessary to calculate any payments on the Trigger 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 Trigger PLUS, and any of these determinations may adversely affect any payments on the Trigger 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 Trigger 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 Trigger 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 Trigger 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 Trigger PLUS easily. Because other dealers are not likely to make a secondary market
for the Trigger PLUS, the price, if any, at which you may be able to trade your Trigger 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 Trigger PLUS. In addition, Barclays Capital
Inc. or one or more of our other affiliates may at any time hold an unsold portion of the Trigger PLUS (as described on the cover page
of this document), which may inhibit the development of a secondary market for the Trigger PLUS. The Trigger PLUS are not designed to
be short-term trading instruments. Accordingly, you should be willing and able to hold your Trigger 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 Trigger PLUS will be influenced by many unpredictable factors. </B>Several factors will influence the value
of the Trigger 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 Trigger PLUS in the secondary market. Although we expect that generally the</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-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: 9pt; color: rgb(41,109,193)">October 2025</TD><TD STYLE="width: 50%; text-align: right; font-size: 9pt; color: rgb(41,109,193)">Page <!-- Field: Sequence; Type: Arabic; Name: PageNo -->17<!-- Field: /Sequence --></TD></TR></TABLE></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt"><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 5pt 0pt 0; text-align: right; color: Red"><B><IMG SRC="image_001.jpg" ALT=""></B></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: 12pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #296DC1">Dual Directional Trigger PLUS Based on the Value of the SPDR<SUP>&reg;</SUP>&nbsp;S&amp;P<SUP>&reg;</SUP>&nbsp;Metals &amp; Mining ETF due February 3, 2027</P><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: gray"><B>Dual Directional Trigger Performance Leveraged Upside Securities<SUP>SM</SUP></B></P><P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: Gray"><B>Principal at Risk Securities</B></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-size: 10pt; margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.25in; text-indent: 0in">value of the underlier on any day will
affect the value of the Trigger PLUS more than any other single factor, other factors that may influence the value of the Trigger PLUS
include:</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 and the securities held by the underlier;</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; 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 underlier and on the securities held by the underlier;</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; 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"></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 Trigger PLUS mature;</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; 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 Trigger PLUS;</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; 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 held by 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"></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>

<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;SPDR<SUP>&reg;</SUP>&nbsp;S&amp;P<SUP>&reg;</SUP>&nbsp;Metals
&amp; Mining ETF Overview&rdquo; below. You may receive less, and possibly significantly less, than the stated principal amount if you
try to sell your Trigger 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 Trigger PLUS is expected to be lower than the initial issue price of your Trigger PLUS. </B>The estimated
value of your Trigger PLUS on the pricing date is expected to be lower, and may be significantly lower, than the initial issue price of
your Trigger PLUS. The difference between the initial issue price of your Trigger PLUS and the estimated value of the Trigger 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 Trigger PLUS, the estimated cost that
we may incur in hedging our obligations under the Trigger PLUS, and estimated development and other costs that we may incur in connection
with the Trigger 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 Trigger 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 Trigger 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 Trigger 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 Trigger 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 Trigger PLUS may not be consistent with those of other financial institutions that may be purchasers or sellers of Trigger PLUS
in the secondary market. As a result, the secondary market price of your Trigger PLUS may be materially different from the estimated value
of the Trigger 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 Trigger PLUS is not a prediction of the prices at which you may sell your Trigger 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 Trigger PLUS and may
be lower than the estimated value of your Trigger PLUS. </B>The estimated value of the Trigger 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 Trigger 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 Trigger 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 Trigger PLUS. Further,
as secondary market prices of your Trigger 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 Trigger PLUS such as fees, commissions, discounts, and the costs of hedging
our obligations under the Trigger PLUS, secondary market prices of your Trigger PLUS will likely be lower than the initial issue price
of your Trigger PLUS. As a result, the price at which Barclays Capital Inc., other affiliates of ours or third parties may be willing
to purchase the Trigger PLUS from you in secondary market transactions, if any, will likely be lower than the price you paid for your
Trigger 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>


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    <DIV STYLE="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: 9pt; color: rgb(41,109,193)">October 2025</TD><TD STYLE="width: 50%; text-align: right; font-size: 9pt; color: rgb(41,109,193)">Page <!-- Field: Sequence; Type: Arabic; Name: PageNo -->18<!-- Field: /Sequence --></TD></TR></TABLE></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt"><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 5pt 0pt 0; text-align: right; color: Red"><B><IMG SRC="image_001.jpg" ALT=""></B></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: 12pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #296DC1">Dual Directional Trigger PLUS Based on the Value of the SPDR<SUP>&reg;</SUP>&nbsp;S&amp;P<SUP>&reg;</SUP>&nbsp;Metals &amp; Mining ETF due February 3, 2027</P><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: gray"><B>Dual Directional Trigger Performance Leveraged Upside Securities<SUP>SM</SUP></B></P><P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: Gray"><B>Principal at Risk Securities</B></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-size: 10pt; margin: 0pt">&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><B>The temporary price at which we may initially buy the Trigger 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 Trigger
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 Trigger PLUS in the secondary market (if Barclays Capital Inc. makes a market in the Trigger 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 Trigger PLUS on the pricing date, as well as the secondary market value of the Trigger PLUS, for
a temporary period after the initial issue date of the Trigger PLUS. The price at which Barclays Capital Inc. may initially buy or sell
the Trigger 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 Trigger 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="break-before: page; margin-top: 6pt"><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 5pt 0pt 0; text-align: right; color: Red"><B><IMG SRC="image_001.jpg" ALT=""></B></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: 12pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #296DC1">Dual Directional Trigger PLUS Based on the Value of the SPDR<SUP>&reg;</SUP>&nbsp;S&amp;P<SUP>&reg;</SUP>&nbsp;Metals &amp; Mining ETF due February 3, 2027</P><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: gray"><B>Dual Directional Trigger Performance Leveraged Upside Securities<SUP>SM</SUP></B></P><P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: Gray"><B>Principal at Risk Securities</B></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-size: 10pt; margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="color: #296DC1; font: 14pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">SPDR<SUP>&reg;</SUP>&nbsp;S&amp;P<SUP>&reg;</SUP>&nbsp;Metals
&amp; Mining ETF 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">According to publicly available information, the underlier is an exchange-traded
fund of the SPDR<SUP>&reg;</SUP>&nbsp;Series Trust, a registered investment company, that seeks to provide investment results that, before
fees and expenses, correspond generally to the total return performance of the S&amp;P<SUP>&reg;</SUP>&nbsp;Metals &amp; Mining Select
Industry Index (the &ldquo;tracked index&rdquo;). The tracked index is a modified equal-weighted index that is designed to measure the
performance of the following GICS<SUP>&reg;</SUP>&nbsp;sub-industries of the S&amp;P Total Market Index: aluminum; coal and consumable
fuels; copper; diversified metals and mining; gold; precious metals and minerals; silver; and steel. For more information about the underlier,
see &ldquo;Exchange-Traded Funds&mdash; The SPDR<SUP>&reg;</SUP>&nbsp;S&amp;P<SUP>&reg;&nbsp;</SUP>Industry ETFs&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 24, 2025:</P>

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

<TABLE CELLSPACING="2" CELLPADDING="2" ALIGN="CENTER" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 70%; border-collapse: collapse">
  <TR>
    <TD STYLE="width: 45%"><FONT STYLE="color: #296DC1"><B>Bloomberg Ticker Symbol:</B></FONT></TD>
    <TD STYLE="width: 19%">XME UP&lt;Equity&gt;</TD>
    <TD STYLE="width: 21%"><FONT STYLE="color: #296DC1"><B>52 Week High:</B></FONT></TD>
    <TD STYLE="width: 15%">$108.94</TD></TR>
  <TR>
    <TD><FONT STYLE="color: #296DC1"><B>Current Closing Price:</B></FONT></TD>
    <TD>$99.82</TD>
    <TD><FONT STYLE="color: #296DC1"><B>52 Week Low:</B></FONT></TD>
    <TD>$48.48</TD></TR>
  <TR>
    <TD><FONT STYLE="color: #296DC1"><B>52 Weeks Ago (10/25/2024):</B></FONT></TD>
    <TD>$64.01</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  </TABLE>

<P STYLE="margin-top: 0; margin-bottom: 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 prices of the underlier for each quarter for the period of January 2, 2020 through October 24, 2025. The associated graph shows
the closing prices of the underlier for each day in the same period. The closing price of the underlier on October 24, 2025 was $99.82.
We obtained the closing prices 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 price of the underlier during the
term of the Trigger 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. <I>The closing prices below may have been adjusted to reflect certain actions, such as stock
splits and reverse stock splits.</I></P>

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

<TABLE CELLSPACING="2" CELLPADDING="2" 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>SPDR<SUP>&reg;</SUP>&nbsp;S&amp;P<SUP>&reg;</SUP>&nbsp;Metals &amp; Mining ETF</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">$29.16</TD>
    <TD STYLE="vertical-align: top; text-align: center">$14.31</TD>
    <TD STYLE="vertical-align: top; border-right: white 1.5pt solid; text-align: center">$16.13</TD></TR>
  <TR>
    <TD STYLE="border-left: white 1.5pt solid">Second Quarter</TD>
    <TD STYLE="vertical-align: top; text-align: center">$23.82</TD>
    <TD STYLE="vertical-align: top; text-align: center">$15.69</TD>
    <TD STYLE="vertical-align: top; border-right: white 1.5pt solid; text-align: center">$21.19</TD></TR>
  <TR>
    <TD STYLE="border-left: white 1.5pt solid">Third Quarter</TD>
    <TD STYLE="vertical-align: top; text-align: center">$25.62</TD>
    <TD STYLE="vertical-align: top; text-align: center">$20.55</TD>
    <TD STYLE="vertical-align: top; border-right: white 1.5pt solid; text-align: center">$23.24</TD></TR>
  <TR>
    <TD STYLE="border-left: white 1.5pt solid">Fourth Quarter</TD>
    <TD STYLE="vertical-align: top; text-align: center">$33.64</TD>
    <TD STYLE="vertical-align: top; text-align: center">$23.50</TD>
    <TD STYLE="vertical-align: top; border-right: white 1.5pt solid; text-align: center">$33.44</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">$41.56</TD>
    <TD STYLE="vertical-align: top; text-align: center">$32.35</TD>
    <TD STYLE="vertical-align: top; border-right: white 1.5pt solid; text-align: center">$39.92</TD></TR>
  <TR>
    <TD STYLE="border-left: white 1.5pt solid">Second Quarter</TD>
    <TD STYLE="vertical-align: top; text-align: center">$47.76</TD>
    <TD STYLE="vertical-align: top; text-align: center">$39.17</TD>
    <TD STYLE="vertical-align: top; border-right: white 1.5pt solid; text-align: center">$43.06</TD></TR>
  <TR>
    <TD STYLE="border-left: white 1.5pt solid">Third Quarter</TD>
    <TD STYLE="vertical-align: top; text-align: center">$46.28</TD>
    <TD STYLE="vertical-align: top; text-align: center">$39.41</TD>
    <TD STYLE="vertical-align: top; border-right: white 1.5pt solid; text-align: center">$41.74</TD></TR>
  <TR>
    <TD STYLE="border-left: white 1.5pt solid">Fourth Quarter</TD>
    <TD STYLE="vertical-align: top; text-align: center">$47.31</TD>
    <TD STYLE="vertical-align: top; text-align: center">$40.28</TD>
    <TD STYLE="vertical-align: top; border-right: white 1.5pt solid; text-align: center">$44.78</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">$63.33</TD>
    <TD STYLE="vertical-align: top; text-align: center">$41.02</TD>
    <TD STYLE="vertical-align: top; border-right: white 1.5pt solid; text-align: center">$61.29</TD></TR>
  <TR>
    <TD STYLE="border-left: white 1.5pt solid">Second Quarter</TD>
    <TD STYLE="vertical-align: top; text-align: center">$65.85</TD>
    <TD STYLE="vertical-align: top; text-align: center">$43.40</TD>
    <TD STYLE="vertical-align: top; border-right: white 1.5pt solid; text-align: center">$43.40</TD></TR>
  <TR>
    <TD STYLE="border-left: white 1.5pt solid">Third Quarter</TD>
    <TD STYLE="vertical-align: top; text-align: center">$53.45</TD>
    <TD STYLE="vertical-align: top; text-align: center">$40.94</TD>
    <TD STYLE="vertical-align: top; border-right: white 1.5pt solid; text-align: center">$42.49</TD></TR>
  <TR>
    <TD STYLE="border-left: white 1.5pt solid">Fourth Quarter</TD>
    <TD STYLE="vertical-align: top; text-align: center">$54.79</TD>
    <TD STYLE="vertical-align: top; text-align: center">$44.17</TD>
    <TD STYLE="vertical-align: top; border-right: white 1.5pt solid; text-align: center">$49.81</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">$59.08</TD>
    <TD STYLE="vertical-align: top; text-align: center">$49.12</TD>
    <TD STYLE="vertical-align: top; border-right: white 1.5pt solid; text-align: center">$53.16</TD></TR>
  <TR>
    <TD STYLE="border-left: white 1.5pt solid">Second Quarter</TD>
    <TD STYLE="vertical-align: top; text-align: center">$53.48</TD>
    <TD STYLE="vertical-align: top; text-align: center">$44.52</TD>
    <TD STYLE="vertical-align: top; border-right: white 1.5pt solid; text-align: center">$50.82</TD></TR>
  <TR>
    <TD STYLE="border-left: white 1.5pt solid">Third Quarter</TD>
    <TD STYLE="vertical-align: top; text-align: center">$53.90</TD>
    <TD STYLE="vertical-align: top; text-align: center">$49.55</TD>
    <TD STYLE="vertical-align: top; border-right: white 1.5pt solid; text-align: center">$52.50</TD></TR>
  <TR>
    <TD STYLE="border-left: white 1.5pt solid">Fourth Quarter</TD>
    <TD STYLE="vertical-align: top; text-align: center">$61.40</TD>
    <TD STYLE="vertical-align: top; text-align: center">$48.56</TD>
    <TD STYLE="vertical-align: top; border-right: white 1.5pt solid; text-align: center">$59.83</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">$60.28</TD>
    <TD STYLE="vertical-align: top; text-align: center">$54.61</TD>
    <TD STYLE="vertical-align: top; border-right: white 1.5pt solid; text-align: center">$60.28</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">$65.15</TD>
    <TD STYLE="vertical-align: top; border-bottom: white 1.5pt solid; text-align: center">$57.95</TD>
    <TD STYLE="vertical-align: top; border-bottom: white 1.5pt solid; border-right: white 1.5pt solid; text-align: center">$59.33</TD></TR>
  </TABLE>

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

<!-- Field: Page; Sequence: 20; Value: 2 -->
    <DIV STYLE="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: 9pt; color: rgb(41,109,193)">October 2025</TD><TD STYLE="width: 50%; text-align: right; font-size: 9pt; color: rgb(41,109,193)">Page <!-- Field: Sequence; Type: Arabic; Name: PageNo -->20<!-- Field: /Sequence --></TD></TR></TABLE></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt"><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 5pt 0pt 0; text-align: right; color: Red"><B><IMG SRC="image_001.jpg" ALT=""></B></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: 12pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #296DC1">Dual Directional Trigger PLUS Based on the Value of the SPDR<SUP>&reg;</SUP>&nbsp;S&amp;P<SUP>&reg;</SUP>&nbsp;Metals &amp; Mining ETF due February 3, 2027</P><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: gray"><B>Dual Directional Trigger Performance Leveraged Upside Securities<SUP>SM</SUP></B></P><P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: Gray"><B>Principal at Risk Securities</B></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-size: 10pt; margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<TABLE CELLSPACING="2" CELLPADDING="2" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="background-color: #296DC1">
    <TD STYLE="border-top: white 1.5pt solid; border-left: white 1.5pt solid"><FONT STYLE="color: white"><B>SPDR<SUP>&reg;</SUP>&nbsp;S&amp;P<SUP>&reg;</SUP>&nbsp;Metals &amp; Mining ETF</B></FONT></TD>
    <TD STYLE="border-top: white 1.5pt solid; vertical-align: top; text-align: center"><FONT STYLE="color: white"><B>High</B></FONT></TD>
    <TD STYLE="border-top: white 1.5pt solid; vertical-align: top; text-align: center"><FONT STYLE="color: white"><B>Low</B></FONT></TD>
    <TD STYLE="border-top: white 1.5pt solid; vertical-align: top; border-right: white 1.5pt solid; text-align: center"><FONT STYLE="color: white"><B>Period End</B></FONT></TD></TR>
<TR>
    <TD STYLE="border-top: white 1.5pt solid; border-left: white 1.5pt solid; width: 46%">Third Quarter</TD>
    <TD STYLE="vertical-align: top; border-top: white 1.5pt solid; text-align: center; width: 18%">$65.22</TD>
    <TD STYLE="vertical-align: top; border-top: white 1.5pt solid; text-align: center; width: 18%">$54.20</TD>
    <TD STYLE="vertical-align: top; border-top: white 1.5pt solid; border-right: white 1.5pt solid; text-align: center; width: 18%">$63.72</TD></TR>
  <TR>
    <TD STYLE="border-left: white 1.5pt solid">Fourth Quarter</TD>
    <TD STYLE="vertical-align: top; text-align: center">$69.89</TD>
    <TD STYLE="vertical-align: top; text-align: center">$56.27</TD>
    <TD STYLE="vertical-align: top; border-right: white 1.5pt solid; text-align: center">$56.75</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">$62.59</TD>
    <TD STYLE="vertical-align: top; text-align: center">$53.81</TD>
    <TD STYLE="vertical-align: top; border-right: white 1.5pt solid; text-align: center">$55.99</TD></TR>
  <TR>
    <TD STYLE="border-left: white 1.5pt solid">Second Quarter</TD>
    <TD STYLE="vertical-align: top; text-align: center">$67.30</TD>
    <TD STYLE="vertical-align: top; text-align: center">$48.48</TD>
    <TD STYLE="vertical-align: top; border-right: white 1.5pt solid; text-align: center">$67.22</TD></TR>
  <TR>
    <TD STYLE="border-left: white 1.5pt solid">Third Quarter</TD>
    <TD STYLE="vertical-align: top; text-align: center">$93.48</TD>
    <TD STYLE="vertical-align: top; text-align: center">$67.16</TD>
    <TD STYLE="vertical-align: top; border-right: white 1.5pt solid; text-align: center">$93.19</TD></TR>
  <TR>
    <TD STYLE="border-left: white 1.5pt solid">Fourth Quarter (through October 24, 2025)</TD>
    <TD STYLE="vertical-align: top; text-align: center">$108.94</TD>
    <TD STYLE="vertical-align: top; text-align: center">$95.31</TD>
    <TD STYLE="vertical-align: top; border-right: white 1.5pt solid; text-align: center">$99.82</TD></TR>
  </TABLE>

<P STYLE="margin-top: 0; margin-bottom: 0">&nbsp;</P>
<TABLE CELLSPACING="2" CELLPADDING="2" ALIGN="CENTER" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 70%; 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*&mdash;<BR>
January 2, 2020 to October 24, 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: 614px"></B></TD></TR>
  <TR>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid"><FONT STYLE="font-size: 9pt">*
    The dotted line indicates a hypothetical trigger value of 80% of the closing price of the underlier on October 24, 2025. The actual
    trigger value will be equal to 80% of the initial underlier value.</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><B>&nbsp;</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"><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 5pt 0pt 0; text-align: right; color: Red"><B><IMG SRC="image_001.jpg" ALT=""></B></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: 12pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #296DC1">Dual Directional Trigger PLUS Based on the Value of the SPDR<SUP>&reg;</SUP>&nbsp;S&amp;P<SUP>&reg;</SUP>&nbsp;Metals &amp; Mining ETF due February 3, 2027</P><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: gray"><B>Dual Directional Trigger Performance Leveraged Upside Securities<SUP>SM</SUP></B></P><P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: Gray"><B>Principal at Risk Securities</B></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-size: 10pt; margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="color: #296DC1; font: 14pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Additional Information about the Trigger 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="2" CELLPADDING="2" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top; background-color: #296DC1">
    <TD STYLE="width: 25%; border-top: #4F81BD 1pt solid; border-left: #4F81BD 1pt solid"><FONT STYLE="color: white"><B>Additional provisions:</B></FONT></TD>
    <TD STYLE="width: 75%; 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 Trigger 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 Trigger 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 Trigger 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 Trigger PLUS (including redemption at maturity), you should recognize
    gain or loss equal to the difference between the amount realized on the sale or exchange and your tax basis in the Trigger PLUS, which
    should equal the amount you paid to acquire the Trigger PLUS. Subject to the application of the constructive ownership rules, any gain
    or loss recognized on your Trigger PLUS should be treated as long-term capital gain or loss if you hold your Trigger PLUS for more than
    a year, whether or not you are an initial purchaser of Trigger PLUS at the original issue price. The Trigger PLUS could be treated as
    constructive ownership transactions within the meaning of Section 1260 of the Code, in which case any gain recognized in respect of the
    Trigger PLUS that would otherwise be long-term capital gain and that was in excess of the &ldquo;net underlying long-term capital gain&rdquo;
    (as defined in Section 1260) would be treated as ordinary income, and a notional interest charge would apply as if that income had accrued
    for tax purposes at a constant yield over the term of the Trigger PLUS. Our special tax counsel has not expressed an opinion with respect
    to whether the constructive ownership rules apply to the Trigger PLUS. Accordingly, U.S. holders should consult their tax advisors regarding
    the potential application of the constructive ownership rules.</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">The IRS or a court may not respect the treatment of the Trigger PLUS
    described above, in which case the timing and character of any income or loss on the Trigger 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 constructive ownership regime described
    above. 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 Trigger
    PLUS, possibly with retroactive effect. You should consult your tax advisor regarding the U.S. federal income tax consequences of an investment
    in the Trigger PLUS, including the potential application of the constructive ownership rules, 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 Trigger 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 Trigger 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 Trigger</P></TD></TR>
  </TABLE>

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

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    <DIV STYLE="break-before: page; margin-top: 6pt"><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 5pt 0pt 0; text-align: right; color: Red"><B><IMG SRC="image_001.jpg" ALT=""></B></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: 12pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #296DC1">Dual Directional Trigger PLUS Based on the Value of the SPDR<SUP>&reg;</SUP>&nbsp;S&amp;P<SUP>&reg;</SUP>&nbsp;Metals &amp; Mining ETF due February 3, 2027</P><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: gray"><B>Dual Directional Trigger Performance Leveraged Upside Securities<SUP>SM</SUP></B></P><P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: Gray"><B>Principal at Risk Securities</B></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-size: 10pt; margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<TABLE CELLSPACING="2" CELLPADDING="2" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="width: 25%">&nbsp;</TD>
    <TD STYLE="width: 75%">PLUS. You should consult your tax advisor regarding the potential application of Section 871(m) to the Trigger PLUS.</TD></TR>
  <TR STYLE="vertical-align: top; background-color: rgb(220,235,244)">
    <TD><FONT STYLE="color: #296DC1"><B>Trustee:</B></FONT></TD>
    <TD>The Bank of New York Mellon</TD></TR>
  <TR STYLE="vertical-align: top; background-color: White">
    <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 Trigger 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 Trigger 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: 0pt 0">We, through our subsidiaries or others, hedge our anticipated exposure
in connection with the Trigger PLUS by taking positions in futures and options contracts on the underlier or the tracked index 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 Trigger PLUS or any amounts payable on your Trigger PLUS. For further
information on our use of proceeds and hedging, see &ldquo;Use of Proceeds and Hedging&rdquo; in the prospectus supplement.</P></TD></TR>
  <TR STYLE="vertical-align: top; background-color: rgb(220,235,244)">
    <TD><FONT STYLE="color: #296DC1"><B>ERISA:</B></FONT></TD>
    <TD>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>This document represents a summary of the terms and conditions of
the Trigger 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 Trigger
PLUS they sell, and Morgan Stanley Wealth Management will receive a structuring fee for each Trigger 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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end
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
