Free Writing Prospectus (Form FWP)

5.266% per annum, payable semiannually in arrears on each March 24 and September 24, beginning on March 24, 2027, from, and including, the Settlement Date to, but excluding, September 24, 2028 (the "fixed rate period").

Following business day convention during the fixed rate period. Business days during fixed rate period New York.

From, and including, September 24, 2028 (the "floating rate period"), an annual floating rate equal to SOFR (as defined in the Issuer's base prospectus dated February 25, 2026 (the "Prospectus") and compounding daily over each interest period as described in the Prospectus) plus 0.677%, payable quarterly in arrears, on the second business day following each interest period end date, beginning on December 27, 2028 and ending at Maturity or any earlier redemption date. An "interest period end date" means the 24^th of each March, June, September and December, beginning on December 24, 2028 and ending at Maturity or any earlier redemption date.

Modified following business day convention applicable to each interest period end date during the floating rate period. Business days during floating rate period New York and U.S. Government Securities Business (as defined in the Prospectus).

We may redeem the notes, at our option, in whole at any time or in part from time to time, on or after March 24, 2027 (or if additional notes are issued after September 24, 2026, beginning six months after the issue date of such additional notes) and prior to September 24, 2028 at a redemption price equal to the greater of (i) the make-whole amount (as described in the Prospectus) and (ii) 100% of the principal amount of the notes being redeemed, plus, in either case, accrued and unpaid interest thereon to, but excluding, the date of redemption. The make-whole spread to be added to the Treasury Rate (as defined in the Prospectus) will equal 10 basis points.

We may redeem the notes, at our option, (i) in whole, but not in part, on September 24, 2028, or (ii) in whole at any time or in part from time to time, on or after August 24, 2029 at a redemption price equal to the sum of 100% of the principal amount of the notes being redeemed plus accrued and unpaid interest thereon to, but excluding, the date of redemption.

SOFR for each calendar day from, and including, the Rate Cut-Off Date to, but excluding, the redemption date will equal SOFR in respect of the Rate Cut-Off Date.

We may redeem the notes, at our option, in whole at any time, but not in part at a redemption price equal to 100% of the principal amount of the notes plus accrued and unpaid interest thereon to, but excluding, the date of redemption, if, as a result of changes in U.S. tax law, withholding tax or information reporting requirements are imposed on payments on the notes to non-U.S. persons.

SOFR for each calendar day from, and including, the Rate Cut-Off Date to, but excluding, the redemption date will equal SOFR in respect of the Rate Cut-Off Date.

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BBVA Securities Inc.

BMO Capital Markets Corp.

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Capital One Securities, Inc.

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Danske Markets Inc.

Erste Group Bank AG

HSBC Securities (USA) Inc.

ING Financial Markets LLC

Lloyds Securities Inc.

Mizuho Securities USA LLC

MUFG Securities Americas Inc.

nabSecurities, LLC

Natixis Securities Americas LLC

NatWest Markets Securities Inc.

Nomura Securities International, Inc.

Nordea Bank Abp

Nykredit Bank A/S

PNC Capital Markets LLC

RB International Markets (USA) LLC

RBC Capital Markets, LLC

Santander US Capital Markets LLC

Scotia Capital (USA) Inc.

SG Americas Securities, LLC

SMBC Nikko Securities America, Inc.

Standard Chartered Bank

TD Securities (USA) LLC

Truist Securities, Inc.

U.S. Bancorp Investments, Inc.

UniCredit Capital Markets LLC

Westpac Capital Markets LLC

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BNY Mellon Capital Markets, LLC

CIBC World Markets Corp.

Citizens JMP Securities, LLC

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Desjardins Securities Inc.

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Huntington Securities, Inc.

KeyBanc Capital Markets Inc.

La Banque Postale

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Regions Securities LLC

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SEB Securities, Inc.

The Korea Development Bank

Note: A securities rating is not a recommendation to buy, sell, or hold securities and may be subject to revision or withdrawal at any time.