<SEC-DOCUMENT>0000891092-16-015031.txt : 20160519
<SEC-HEADER>0000891092-16-015031.hdr.sgml : 20160519
<ACCEPTANCE-DATETIME>20160519142929
ACCESSION NUMBER:		0000891092-16-015031
CONFORMED SUBMISSION TYPE:	424B2
PUBLIC DOCUMENT COUNT:		5
FILED AS OF DATE:		20160519
DATE AS OF CHANGE:		20160519

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			TORONTO DOMINION BANK
		CENTRAL INDEX KEY:			0000947263
		STANDARD INDUSTRIAL CLASSIFICATION:	COMMERCIAL BANKS, NEC [6029]
		IRS NUMBER:				135640479
		STATE OF INCORPORATION:			A6
		FISCAL YEAR END:			1031

	FILING VALUES:
		FORM TYPE:		424B2
		SEC ACT:		1933 Act
		SEC FILE NUMBER:	333-197364
		FILM NUMBER:		161662758

	BUSINESS ADDRESS:	
		STREET 1:		66 WELLINGTON ST., 4TH FL, TD BANK TOWER
		CITY:			TORONTO, ONTARIO
		STATE:			A6
		ZIP:			M5K 1A2
		BUSINESS PHONE:		4169828222

	MAIL ADDRESS:	
		STREET 1:		66 WELLINGTON ST., 4TH FL, TD BANK TOWER
		CITY:			TORONTO, ONTARIO
		STATE:			A6
		ZIP:			M5K 1A2
</SEC-HEADER>
<DOCUMENT>
<TYPE>424B2
<SEQUENCE>1
<FILENAME>e00433_424b2.htm
<DESCRIPTION>PRICING SUPPLEMENT
<TEXT>
<HTML>
<HEAD>
<TITLE></TITLE>
</HEAD>
<BODY>


<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: right">Filed Pursuant to Rule 424(b)(2)</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: right"><B>Registration Statement No. 333-197364</B></P>

<P STYLE="color: #C0504D; font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center; text-indent: 0.5in"><B>&nbsp;</B></P>

<P STYLE="font: 4pt Cambria, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; margin-left: 9pt; border-collapse: collapse">
<TR>
    <TD STYLE="font: 11pt Cambria, Times, Serif; padding-bottom: 6pt"><IMG SRC="image_001.jpg" ALT="TD SHIELD PRINT LOGO COL RGB" STYLE="height: 39px; width: 44px"></TD>
    <TD COLSPAN="2" STYLE="padding-bottom: 6pt">
        <P STYLE="font: bold 14pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center; text-indent: -22.3pt">The Toronto-Dominion
        Bank</P>
        <P STYLE="font: bold 12pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center; text-indent: -22.3pt">$2,555,000</P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center; text-indent: -22.3pt"><FONT STYLE="font-weight: normal">Leveraged
        Capped Buffered S&amp;P 500<SUP>&reg;</SUP> Index -Linked Notes due May 23, 2018</FONT></P></TD></TR>
<TR STYLE="vertical-align: top; background-color: black">
    <TD COLSPAN="2" STYLE="font: 1pt Cambria, Times, Serif; padding-bottom: 6pt; text-align: justify">&nbsp;</TD>
    <TD STYLE="font: 1pt Cambria, Times, Serif; padding-bottom: 6pt; text-align: justify">&nbsp;</TD></TR>
<TR>
    <TD STYLE="width: 59.9pt">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="width: 3.25in">&nbsp;</TD></TR>
</TABLE>
<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0 4.5pt 3.5pt 9pt; text-align: justify"><BR>
<FONT STYLE="font-size: 10pt"><B>The notes do not bear interest.</B> The amount that you will be paid on your notes on the maturity
date (May 23, 2018) is based on the performance of the S&amp;P 500<SUP>&reg;</SUP> Index as measured from the pricing date (May
17, 2016) to and including the valuation date (May 17, 2018). If the final level on the valuation date is greater than the initial
level of </FONT>2,047.21<FONT STYLE="font-size: 10pt">, the return on your notes will be positive, subject to the maximum payment
amount of $1,166.25 for each $1,000 principal amount of your notes. If the final level declines by up to 15.00% from the initial
level, you will receive the principal amount of your notes.<B> If the final level declines by more than 15.00% from the initial
level, the return on your notes will be negative and, despite the inclusion of the buffer level, due to the downside multiplier,
you may lose your entire principal amount.</B></FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 4.5pt 3.5pt 9pt; text-align: justify">To determine your payment at
maturity, we will calculate the percentage change of the S&amp;P 500<SUP>&reg;</SUP> Index, which is the percentage increase or
decrease in the final level from the initial level. At maturity, for each $1,000 principal amount of your notes, you will receive
an amount in cash equal to:</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 3.5pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 13.5pt"></TD><TD STYLE="width: 22.5pt">&#9679;</TD><TD STYLE="text-align: justify">if the percentage change is positive (the final level is greater than the initial level), the <I>sum</I>
of (i) $1,000 <I>plus</I> (ii) the product of (a) $1,000 <I>times</I> (b) 125.00% <I>times</I> (c) the percentage change, subject
to the maximum payment amount;</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 3.5pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 13.5pt"></TD><TD STYLE="width: 22.5pt">&#9679;</TD><TD STYLE="text-align: justify">if the percentage change is zero or negative but not below &ndash;15.00% (the final level is equal
to the initial level or is less than the initial level, but not by more than 15.00%), $1,000; or</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 6pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 13.7pt"></TD><TD STYLE="width: 22.3pt">&#9679;</TD><TD STYLE="text-align: justify">if the percentage change is negative and is below &ndash;15.00% (the final level is less than the
initial level by more than 15.00%), the sum of (i) $1,000 plus (ii) the product of (a) $1,000 times (b) approximately 117.65% times
(c) the sum of the percentage change plus 15.00%.</TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 6pt 0.5in; text-align: justify; text-indent: -22.3pt"><B>The notes
do not guarantee the return of principal at maturity.</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 4.5pt 3.5pt 9pt; text-align: justify">The notes are unsecured and
are not savings accounts or insured deposits of a bank. The notes are not insured or guaranteed by the Canada Deposit Insurance
Corporation, the U.S. Federal Deposit Insurance Corporation or any other governmental agency or instrumentality. Any payments on
the notes are subject to our credit risk. The notes will not be listed on any exchange.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 6pt 4.3pt; text-align: justify"><B>You should read the disclosure
herein to better understand the terms and risks of your investment. See &ldquo;Additional Risk Factors&rdquo; on page P-7 of this
pricing supplement. </B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 6pt 4.3pt; text-align: justify"><B>Neither the Securities and Exchange
Commission nor any state securities commission has approved or disapproved of these securities or determined that this pricing
supplement, the product prospectus supplement or the prospectus is truthful or complete. Any representation to the contrary is
a criminal offense.</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 6pt 4.3pt; text-align: justify"><B>The estimated value of your notes
at the time the terms of your notes are set on the pricing date is $968.00 per $1,000 principal amount. For a discussion of the
estimated value and the price at which Goldman, Sachs &amp; Co. would initially buy or sell your notes, if it makes a market in
the notes (which it is not obligated to do), see &ldquo;Additional Information Regarding Estimated Value of the Notes&rdquo; on
page P-2 of this pricing supplement. </B></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; margin-left: 9pt; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 90.25pt; border-bottom: #D9D9D9 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; padding-right: 0.25in; padding-left: 13.5pt; text-align: justify">&nbsp;</TD>
    <TD STYLE="width: 146.45pt; border-bottom: #D9D9D9 1pt solid; font: bold 10pt Arial, Helvetica, Sans-Serif; padding-right: 0.25in; padding-left: 13.5pt; text-align: justify"><FONT STYLE="font-size: 10pt">Public Offering Price</FONT></TD>
    <TD STYLE="width: 146.45pt; border-bottom: #D9D9D9 1pt solid; font: bold 10pt Arial, Helvetica, Sans-Serif; padding-right: 0.25in; padding-left: 13.5pt; text-align: justify"><FONT STYLE="font-size: 10pt">Underwriting Discount</FONT></TD>
    <TD STYLE="width: 146.5pt; border-bottom: #D9D9D9 1pt solid; font: bold 10pt Arial, Helvetica, Sans-Serif; padding-right: 0.25in; padding-left: 13.5pt; text-align: justify"><FONT STYLE="font-size: 10pt">Proceeds to TD</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: white">
    <TD STYLE="border-bottom: #D9D9D9 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; padding-right: 0.25in; padding-left: 13.5pt; text-align: justify"><FONT STYLE="font-size: 10pt">Per Note</FONT></TD>
    <TD STYLE="border-bottom: #D9D9D9 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; padding-right: 0.25in; padding-left: 13.5pt; text-align: justify"><FONT STYLE="font-size: 10pt">$1,000.00</FONT></TD>
    <TD STYLE="border-bottom: #D9D9D9 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; padding-right: 0.25in; padding-left: 13.5pt; text-align: justify"><FONT STYLE="font-size: 10pt">$15.50</FONT></TD>
    <TD STYLE="border-bottom: #D9D9D9 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; padding-right: 0.25in; padding-left: 13.5pt; text-align: justify"><FONT STYLE="font-size: 10pt">$984.50</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: white">
    <TD STYLE="border-bottom: #D9D9D9 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; padding-right: 0.25in; padding-left: 13.5pt; text-align: justify"><FONT STYLE="font-size: 10pt">Total</FONT></TD>
    <TD STYLE="border-bottom: #D9D9D9 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; padding-right: 0.25in; padding-left: 13.5pt; text-align: justify"><FONT STYLE="font-size: 10pt">$2,555,000.00</FONT></TD>
    <TD STYLE="border-bottom: #D9D9D9 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; padding-right: 0.25in; padding-left: 13.5pt; text-align: justify"><FONT STYLE="font-size: 10pt">$39,602.50</FONT></TD>
    <TD STYLE="border-bottom: #D9D9D9 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; padding-right: 0.25in; padding-left: 13.5pt; text-align: justify"><FONT STYLE="font-size: 10pt">$2,515,397.50</FONT></TD></TR>
</TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 3pt 9pt; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 3pt 9pt; text-align: justify">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" ALIGN="CENTER" STYLE="border-collapse: collapse; width: 100%">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 50%; font: 14pt Arial Narrow, Helvetica, Sans-Serif; text-align: left; padding-right: 0pt; padding-left: 0pt"><FONT STYLE="font: 14pt Arial, Helvetica, Sans-Serif">TD Securities (USA) LLC</FONT></TD>
    <TD STYLE="width: 50%; font: 14pt Arial Narrow, Helvetica, Sans-Serif; text-align: right; padding-right: 0pt; padding-left: 0pt"><FONT STYLE="font: 14pt Arial, Helvetica, Sans-Serif">Goldman, Sachs &amp; Co.</FONT></TD></TR>
</TABLE>
<P STYLE="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0 0pt 0 0; text-align: right; padding-right: 0pt">Agent</P>

<P STYLE="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center">Pricing Supplement dated May 17, 2016</P>


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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 6pt 0 3pt; text-align: justify">The public offering price, underwriting
discount and proceeds to TD listed above relate to the notes we issue initially. We may decide to sell additional notes after the
date of this pricing supplement, at public offering prices and with underwriting discounts and proceeds to TD that differ from
the amounts set forth above. The return (whether positive or negative) on your investment in the notes will depend in part on the
public offering price you pay for such notes.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 6pt 0 3pt; text-align: justify">We or GS&amp;Co., or any of our or their
respective affiliates, may use this pricing supplement in the initial sale of the notes. In addition, we or GS&amp;Co. or any of
our or their respective affiliates may use this pricing supplement in a market-making transaction in a note after its initial sale.
<B>Unless we or GS&amp;Co., or any of our or their respective affiliates, informs the purchaser otherwise in the confirmation of
sale, this pricing supplement will be used in a market-making transaction.</B></P>

<P STYLE="font: 16pt Arial, Helvetica, Sans-Serif; margin: 9pt 0; color: #00B050; text-transform: uppercase; text-align: justify"><FONT STYLE="font-weight: normal; text-transform: none">Additional
Information Regarding Estimated Value of the Notes </FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 6pt; text-align: justify"><B>The estimated value of your notes at
the time the terms of your notes are set on the Pricing Date is $968.00 per $1,000 principal amount, which is less than the public
offering price of your notes.</B> The pricing models used to determine the estimated value consider certain variables, including
principally our credit spreads, interest rates (forecasted, current and historical rates), volatility, price-sensitivity analysis
and the time to maturity of the notes. The difference between the estimated value of your notes and the public offering price is
a result of certain factors, including principally the underwriting discount and commissions, the expenses incurred in creating,
documenting and marketing the notes, and an estimate of the difference between the amounts we pay to GS&amp;Co. or an affiliate
and the amounts GS&amp;Co. or an affiliate pays to us in connection with your notes, as described further under &ldquo;Supplemental
Plan of Distribution (Conflicts of Interest)&rdquo; on page P-24. We pay to GS&amp;Co. or an affiliate amounts based on what we
would pay to holders of a non-structured note with a similar maturity. In return for such payment, GS&amp;Co. or an affiliate pays
to us the amounts we owe under your notes.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 6pt; text-align: justify">The price at which GS&amp;Co. will make
a market in the notes (if it makes a market, which it is not obligated to do), and the value of your notes shown on your account
statement, will be based on pricing models and variables similar to those used in determining the estimated value on the Pricing
Date. The value of your notes at any time will reflect many factors and cannot be predicted; however, the price (not including
GS&amp;Co.&rsquo;s customary bid and ask spreads) at which GS&amp;Co. would initially buy or sell notes (if it makes a market,
which it is not obligated to do) and the value that GS&amp;Co. will initially use for account statements and otherwise is equal
to approximately $990.00 per $1,000 principal amount, which exceeds the estimated value of your notes on the Pricing Date. The
amount of the excess will decline on a straight line basis over the period from the Pricing Date through October 17, 2016.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 9pt 0 0; text-align: justify"><B>We urge you to read the &ldquo;Additional</B><B></A>
Risk Factors&rdquo; beginning on page P-7 of this pricing supplement.</B></P>

<P STYLE="font: bold 9pt Arial, Helvetica, Sans-Serif; margin: 0 0 12pt; text-transform: uppercase; text-align: justify"><I>&nbsp;</I></P>


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<P STYLE="font: 16pt Arial, Helvetica, Sans-Serif; margin: 0 0 12pt; color: #00B050; text-transform: uppercase; text-align: justify"><FONT STYLE="font-weight: normal; text-transform: none">Summary</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 12pt; text-align: justify">The information in this &ldquo;Summary&rdquo;
section is qualified by the more detailed information set forth in this pricing supplement, the product prospectus supplement and
the prospectus.</P>

<TABLE ALIGN="CENTER" CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 720px; border-collapse: collapse">
<TR STYLE="vertical-align: top; background-color: white">
    <TD STYLE="width: 153.05pt; border-bottom: #D9D9D9 1pt solid; padding: 4.25pt 2.85pt 5pt 4.25pt; font-weight: bold; text-align: justify"><FONT STYLE="font-size: 10pt">Issuer:</FONT></TD>
    <TD STYLE="width: 387.05pt; border-bottom: #D9D9D9 1pt solid; padding: 4.25pt 2.85pt 5pt 4.25pt; text-align: justify"><FONT STYLE="font-size: 10pt">The Toronto-Dominion Bank (&ldquo;TD&rdquo;)</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: white">
    <TD STYLE="border-bottom: #D9D9D9 1pt solid; padding: 4.25pt 2.85pt 5pt 4.25pt; font-weight: bold; text-align: justify"><FONT STYLE="font-size: 10pt">Issue:</FONT></TD>
    <TD STYLE="border-bottom: #D9D9D9 1pt solid; padding: 4.25pt 2.85pt 5pt 4.25pt; text-align: justify"><FONT STYLE="font-size: 10pt">Senior Debt Securities</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: white">
    <TD STYLE="border-bottom: #D9D9D9 1pt solid; padding: 4.25pt 2.85pt 5pt 4.25pt; font-weight: bold; text-align: justify"><FONT STYLE="font-size: 10pt">Type of Note:</FONT></TD>
    <TD STYLE="border-bottom: #D9D9D9 1pt solid; padding: 4.25pt 2.85pt 5pt 4.25pt; text-align: justify"><FONT STYLE="font-size: 10pt">Leveraged Capped Buffered Notes (the &ldquo;Notes&rdquo;)</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: white">
    <TD STYLE="border-bottom: #D9D9D9 1pt solid; padding: 4.25pt 2.85pt 5pt 4.25pt; font-weight: bold; text-align: justify"><FONT STYLE="font-size: 10pt">Term:</FONT></TD>
    <TD STYLE="border-bottom: #D9D9D9 1pt solid; padding: 4.25pt 2.85pt 5pt 4.25pt; text-align: justify"><FONT STYLE="font-size: 10pt">Approximately 24 months</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: white">
    <TD STYLE="border-bottom: #D9D9D9 1pt solid; padding: 4.25pt 2.85pt 5pt 4.25pt; font-weight: bold; text-align: justify"><FONT STYLE="font-size: 10pt">Reference Asset:</FONT></TD>
    <TD STYLE="border-bottom: #D9D9D9 1pt solid; padding: 4.25pt 2.85pt 5pt 4.25pt; text-align: justify"><FONT STYLE="font-size: 10pt">S&amp;P 500<SUP>&reg;</SUP> Index (Bloomberg Ticker: SPX)</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: white">
    <TD STYLE="border-bottom: #D9D9D9 1pt solid; padding: 4.25pt 2.85pt 5pt 4.25pt; font-weight: bold; text-align: justify"><FONT STYLE="font-size: 10pt">CUSIP / ISIN:</FONT></TD>
    <TD STYLE="border-bottom: #D9D9D9 1pt solid; padding: 4.25pt 2.85pt 5pt 4.25pt; text-align: justify"><FONT STYLE="font-size: 10pt">89114QVN5 /US89114QVN59</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: white">
    <TD STYLE="border-bottom: #D9D9D9 1pt solid; padding: 4.25pt 2.85pt 5pt 4.25pt; font-weight: bold; text-align: justify"><FONT STYLE="font-size: 10pt">Agents:</FONT></TD>
    <TD STYLE="border-bottom: #D9D9D9 1pt solid; padding: 4.25pt 2.85pt 5pt 4.25pt; text-align: justify"><FONT STYLE="font-size: 10pt">TD Securities (USA) LLC (&ldquo;TDS&rdquo;) and Goldman, Sachs &amp; Co. (&ldquo;GS&amp;Co.&rdquo;)</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: white">
    <TD STYLE="border-bottom: #D9D9D9 1pt solid; padding: 4.25pt 2.85pt 5pt 4.25pt; font-weight: bold; text-align: justify"><FONT STYLE="font-size: 10pt">Currency:</FONT></TD>
    <TD STYLE="border-bottom: #D9D9D9 1pt solid; padding: 4.25pt 2.85pt 5pt 4.25pt; text-align: justify"><FONT STYLE="font-size: 10pt">U.S. Dollars</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: white">
    <TD STYLE="border-bottom: #D9D9D9 1pt solid; padding: 4.25pt 2.85pt 5pt 4.25pt; font-weight: bold; text-align: justify"><FONT STYLE="font-size: 10pt">Minimum Investment:</FONT></TD>
    <TD STYLE="border-bottom: #D9D9D9 1pt solid; padding: 4.25pt 2.85pt 5pt 4.25pt; text-align: justify"><FONT STYLE="font-size: 10pt">$1,000 and minimum denominations of $1,000 in excess thereof</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: white">
    <TD STYLE="border-bottom: #D9D9D9 1pt solid; padding: 4.25pt 2.85pt 5pt 4.25pt; font-weight: bold; text-align: justify"><FONT STYLE="font-size: 10pt">Principal Amount:</FONT></TD>
    <TD STYLE="border-bottom: #D9D9D9 1pt solid; padding: 4.25pt 2.85pt 5pt 4.25pt; text-align: justify"><FONT STYLE="font-size: 10pt">$1,000 per Note; $2,555,000 in the aggregate for all the offered Notes; the aggregate principal amount of the offered Notes may be increased if the Issuer, at its sole option, decides to sell an additional amount of the offered Notes on a date subsequent to the date of this pricing supplement.</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: white">
    <TD STYLE="border-bottom: #D9D9D9 1pt solid; padding: 4.25pt 2.85pt 5pt 4.25pt; font-weight: bold; text-align: justify"><FONT STYLE="font-size: 10pt">Pricing Date:</FONT></TD>
    <TD STYLE="border-bottom: #D9D9D9 1pt solid; padding: 4.25pt 2.85pt 5pt 4.25pt; text-align: justify"><FONT STYLE="font-size: 10pt">May 17, 2016</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: white">
    <TD STYLE="border-bottom: #D9D9D9 1pt solid; padding: 4.25pt 2.85pt 5pt 4.25pt; font-weight: bold; text-align: justify"><FONT STYLE="font-size: 10pt">Issue Date:</FONT></TD>
    <TD STYLE="border-bottom: #D9D9D9 1pt solid; padding: 4.25pt 2.85pt 5pt 4.25pt; text-align: justify"><FONT STYLE="font-size: 10pt">May 25, 2016 </FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: white">
    <TD STYLE="border-bottom: #D9D9D9 1pt solid; padding: 4.25pt 2.85pt 5pt 4.25pt; font-weight: bold; text-align: justify"><FONT STYLE="font-size: 10pt">Valuation Date:</FONT></TD>
    <TD STYLE="border-bottom: #D9D9D9 1pt solid; padding: 4.25pt 2.85pt 5pt 4.25pt; text-align: justify"><FONT STYLE="font-size: 10pt">May 17, 2018, subject to postponement for market and other disruptions, as described under &ldquo;General Terms of the Notes&mdash;Valuation Date&rdquo; on page PS-17 in the product prospectus supplement.</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: white">
    <TD STYLE="border-bottom: #D9D9D9 1pt solid; padding: 4.25pt 2.85pt 5pt 4.25pt; font-weight: bold; text-align: justify"><FONT STYLE="font-size: 10pt">Maturity Date:</FONT></TD>
    <TD STYLE="border-bottom: #D9D9D9 1pt solid; padding: 4.25pt 2.85pt 5pt 4.25pt; text-align: justify"><FONT STYLE="font-size: 10pt">May 23, 2018, subject to postponement for market and other disruptions, as described under &ldquo;General Terms of the Notes&mdash;Maturity Date&rdquo; on page PS-17 in the product prospectus supplement.</FONT></TD></TR>
</TABLE>
<P STYLE="font: 12pt Cambria, Times, Serif; margin: 0 0 10pt">&nbsp;</P>


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<TABLE ALIGN="CENTER" CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 720px; border-collapse: collapse">
<TR STYLE="vertical-align: top; background-color: white">
    <TD STYLE="width: 153.05pt; border-bottom: #D9D9D9 1pt solid; padding: 4.25pt 2.85pt 5pt 4.25pt; font-weight: bold; text-align: justify"><FONT STYLE="font-size: 10pt">Payment at Maturity:</FONT></TD>
    <TD STYLE="width: 387.05pt; border-bottom: #D9D9D9 1pt solid; padding: 4.25pt 2.85pt 4.25pt 4.25pt">
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 5pt; text-align: justify">For each $1,000 principal amount of the
        Notes, we will pay you on the Maturity Date an amount in cash equal to:</P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 5pt 0.25in; text-align: justify; text-indent: -0.25in">&#9679;<FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
        </FONT>if the Final Level is <I>greater than </I>or <I>equal to </I>the Cap Level, the Maximum Payment Amount;</P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 5pt 0.25in; text-align: justify; text-indent: -0.25in">&#9679;<FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
        </FONT>if the Final Level is <I>greater than</I> the Initial Level but <I>less than</I> the Cap Level, the <I>sum</I> of (i) $1,000
        <I>plus</I> (ii) the <I>product</I> of (a) $1,000 <I>times</I> (b) the Leverage Factor <I>times</I> (c) the Percentage Change;</P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 5pt 0.25in; text-align: justify; text-indent: -0.25in">&#9679;<FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
        </FONT>if the Final Level is equal to or less than the Initial Level but greater than or equal to the Buffer Level, $1,000; or</P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 5pt 0.25in; text-align: justify; text-indent: -0.25in">&#9679;<FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
        </FONT>if the Final Level is less than the Buffer Level, the sum of (i) $1,000 plus (ii) the product of (a) $1,000 times (b) the
        Downside Multiplier times (c) the sum of the Percentage Change plus the Buffer Percentage</P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 5pt; text-align: justify"><B>If the Final Level is less than the
        Buffer Level, the investor will receive less than the principal amount of the Notes at maturity and may lose their entire principal
        amount. </B></P></TD></TR>
<TR STYLE="vertical-align: top; background-color: white">
    <TD STYLE="border-bottom: #D9D9D9 1pt solid; padding: 4.25pt 2.85pt 5pt 4.25pt; text-align: justify; font-family: Cambria, Times, Serif"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif"><B>Leverage Factor:</B></FONT></TD>
    <TD STYLE="border-bottom: #D9D9D9 1pt solid; padding: 4.25pt 2.85pt 5pt 4.25pt; text-align: justify; font-family: Cambria, Times, Serif"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">125.00% </FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: white">
    <TD STYLE="border-bottom: #D9D9D9 1pt solid; padding: 4.25pt 2.85pt 5pt 4.25pt; text-align: justify; font-family: Cambria, Times, Serif"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif"><B>Cap Level:</B></FONT></TD>
    <TD STYLE="border-bottom: #D9D9D9 1pt solid; padding: 4.25pt 2.85pt 5pt 4.25pt; text-align: justify; font-family: Cambria, Times, Serif"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">113.30% of the Initial Level </FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: white">
    <TD STYLE="border-bottom: #D9D9D9 1pt solid; padding: 4.25pt 2.85pt 5pt 4.25pt; text-align: justify; font-family: Cambria, Times, Serif"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif"><B>Buffer Percentage:</B></FONT></TD>
    <TD STYLE="border-bottom: #D9D9D9 1pt solid; padding: 4.25pt 2.85pt 5pt 4.25pt; text-align: justify; font-family: Cambria, Times, Serif"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">15.00%</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: white">
    <TD STYLE="border-bottom: #D9D9D9 1pt solid; padding: 4.25pt 2.85pt 5pt 4.25pt; text-align: justify; font-family: Cambria, Times, Serif"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif"><B>Buffer Level:</B></FONT></TD>
    <TD STYLE="border-bottom: #D9D9D9 1pt solid; padding: 4.25pt 2.85pt 5pt 4.25pt; text-align: justify; font-family: Cambria, Times, Serif"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">1,740.1285, which is 85.00% of the Initial Level</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: white">
    <TD STYLE="border-bottom: #D9D9D9 1pt solid; padding: 4.25pt 2.85pt 5pt 4.25pt; text-align: justify; font-family: Cambria, Times, Serif"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif"><B>Downside Multiplier: </B></FONT></TD>
    <TD STYLE="border-bottom: #D9D9D9 1pt solid; padding: 4.25pt 2.85pt 5pt 4.25pt; text-align: justify; font-family: Cambria, Times, Serif"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">The quotient of the Initial Level divided by the Buffer Level, which equals approximately 117.65%</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: white">
    <TD STYLE="border-bottom: #D9D9D9 1pt solid; padding: 4.25pt 2.85pt 5pt 4.25pt; font-family: Cambria, Times, Serif"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif"><B>Maximum Payment Amount:</B></FONT></TD>
    <TD STYLE="border-bottom: #D9D9D9 1pt solid; padding: 4.25pt 2.85pt 5pt 4.25pt; text-align: justify; font-family: Cambria, Times, Serif"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">$1,166.25 per $1,000 principal amount of the Notes (116.625% of the principal amount of the Notes). As a result of the Maximum Payment Amount, the maximum return at maturity of the Notes is 16.625% of the principal amount of the Notes.</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: white">
    <TD STYLE="border-bottom: #D9D9D9 1pt solid; padding: 4.25pt 2.85pt 5pt 4.25pt; font-weight: bold; text-align: justify"><FONT STYLE="font-size: 10pt">Percentage Change:</FONT></TD>
    <TD STYLE="border-bottom: #D9D9D9 1pt solid; padding: 4.25pt 2.85pt 5pt 4.25pt; text-align: justify"><FONT STYLE="font-size: 10pt">The <I>quotient</I> of (1) the Final Level <I>minus</I> the Initial Level <I>divided</I> by (2) the Initial Level, expressed as a percentage.</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: white">
    <TD STYLE="border-bottom: #D9D9D9 1pt solid; padding: 4.25pt 2.85pt 5pt 4.25pt; text-align: justify; font-family: Cambria, Times, Serif"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif"><B>Initial Level:</B></FONT></TD>
    <TD STYLE="border-bottom: #D9D9D9 1pt solid; padding: 4.25pt 2.85pt 5pt 4.25pt; text-align: justify; font-family: Cambria, Times, Serif"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">2,047.21</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: white">
    <TD STYLE="border-bottom: #D9D9D9 1pt solid; padding: 4.25pt 2.85pt 5pt 4.25pt; text-align: justify; font-family: Cambria, Times, Serif"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif"><B>Final Level:</B></FONT></TD>
    <TD STYLE="border-bottom: #D9D9D9 1pt solid; padding: 4.25pt 2.85pt 5pt 4.25pt; text-align: justify; font-family: Cambria, Times, Serif"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">The Closing Level of the Reference Asset on the Valuation Date, except in the limited circumstances described under &ldquo;General Terms of the Notes&mdash;Market Disruption Events&rdquo; on page PS-18 of the accompanying product prospectus supplement and subject to adjustment as provided under &ldquo;General Terms of the Notes&mdash;Unavailability of the Level of the Reference Asset&rdquo; on page PS-17 of the accompanying product prospectus supplement.</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: white">
    <TD STYLE="border-bottom: #D9D9D9 1pt solid; padding: 4.25pt 2.85pt 5pt 4.25pt; font-family: Cambria, Times, Serif"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif"><B>Closing Level:</B></FONT></TD>
    <TD STYLE="border-bottom: #D9D9D9 1pt solid; padding: 4.25pt 2.85pt 5pt 4.25pt; text-align: justify; font-family: Cambria, Times, Serif"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">The Closing Level of the Reference Asset will be the official closing level of the Reference Asset or any successor index (as defined in the accompanying product prospectus supplement) on any Trading Day for the Reference Asset, as displayed on Bloomberg Professional<SUP>&reg;</SUP> service (&ldquo;Bloomberg&rdquo;) page &ldquo;SPX &lt;INDEX&gt;&rdquo; or any successor page on Bloomberg or any successor service, as applicable.</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: white">
    <TD STYLE="border-bottom: #D9D9D9 1pt solid; padding: 4.25pt 2.85pt 5pt 4.25pt; font-weight: bold; text-align: justify"><FONT STYLE="font-size: 10pt">Business Day:</FONT></TD>
    <TD STYLE="border-bottom: #D9D9D9 1pt solid; padding: 4.25pt 2.85pt 5pt 4.25pt; text-align: justify"><FONT STYLE="font-size: 10pt">Any day that is a Monday, Tuesday, Wednesday, Thursday or Friday that is neither a legal holiday nor a day on which banking institutions are authorized or required by law to close in New York City or Toronto.</FONT></TD></TR>
</TABLE>
<P STYLE="font: 12pt Cambria, Times, Serif; margin: 0 0 10pt">&nbsp;</P>


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<TABLE ALIGN="CENTER" CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 720px; border-collapse: collapse">
<TR STYLE="vertical-align: top; background-color: white">
    <TD STYLE="width: 153.05pt; border-bottom: #D9D9D9 1pt solid; padding: 4.25pt 2.85pt 5pt 4.25pt; font-weight: bold; text-align: justify"><FONT STYLE="font-size: 10pt">U.S. Tax Treatment:</FONT></TD>
    <TD STYLE="width: 387.05pt; border-bottom: #D9D9D9 1pt solid; padding: 4.25pt 2.85pt 5pt 4.25pt; text-align: justify"><FONT STYLE="font-size: 10pt">By purchasing a Note, each holder agrees, in the absence of a statutory, regulatory, administrative or judicial ruling to the contrary, to characterize the Notes, for U.S. federal income tax purposes, as pre-paid derivative contracts with respect to the Reference Asset. Based on certain factual representations received from us, in the opinion of our special U.S. tax counsel, Cadwalader, Wickersham &amp; Taft LLP, it is reasonable to treat the Notes in the manner described above. However, because there is no authority that specifically addresses the tax treatment of the Notes, it is possible that your Notes could alternatively be treated for tax purposes as a single contingent payment debt instrument, or pursuant to some other characterization, such that the timing and character of your income from the Notes could differ materially from the treatment described above. Please see the discussion below under &ldquo;Supplemental Discussion of U.S. Federal Income Tax Consequences&rdquo;.</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: white">
    <TD STYLE="border-bottom: #D9D9D9 1pt solid; padding: 4.25pt 2.85pt 5pt 4.25pt; font-weight: bold; text-align: justify"><FONT STYLE="font-size: 10pt">Canadian Tax Treatment:</FONT></TD>
    <TD STYLE="border-bottom: #D9D9D9 1pt solid; padding: 4.25pt 2.85pt 5pt 4.25pt; text-align: justify"><FONT STYLE="font-size: 10pt">Please see the discussion in the product prospectus supplement under &ldquo;Supplemental Discussion of Canadian Tax Consequences,&rdquo; which applies to the Notes.</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: white">
    <TD STYLE="border-bottom: #D9D9D9 1pt solid; padding: 4.25pt 2.85pt 5pt 4.25pt; font-weight: bold; text-align: justify"><FONT STYLE="font-size: 10pt">Calculation Agent:</FONT></TD>
    <TD STYLE="border-bottom: #D9D9D9 1pt solid; padding: 4.25pt 2.85pt 5pt 4.25pt; text-align: justify"><FONT STYLE="font-size: 10pt">TD</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: white">
    <TD STYLE="border-bottom: #D9D9D9 1pt solid; padding: 4.25pt 2.85pt 5pt 4.25pt; font-weight: bold; text-align: justify"><FONT STYLE="font-size: 10pt">Listing:</FONT></TD>
    <TD STYLE="border-bottom: #D9D9D9 1pt solid; padding: 4.25pt 2.85pt 5pt 4.25pt; text-align: justify"><FONT STYLE="font-size: 10pt">The Notes will not be listed on any securities exchange.</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: white">
    <TD STYLE="border-bottom: #D9D9D9 1pt solid; padding: 4.25pt 2.85pt 5pt 4.25pt; font-weight: bold; text-align: justify"><FONT STYLE="font-size: 10pt">Clearance and Settlement:</FONT></TD>
    <TD STYLE="border-bottom: #D9D9D9 1pt solid; padding: 4.25pt 2.85pt 5pt 4.25pt; text-align: justify"><FONT STYLE="font-size: 10pt">DTC global (including through its indirect participants Euroclear and Clearstream, Luxembourg as described under &ldquo;Forms of the Debt Securities&rdquo; and &ldquo;Book-Entry Procedures and Settlement&rdquo; in the prospectus).</FONT></TD></TR>
</TABLE>
<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0 0 5pt; text-align: justify">&nbsp;</P>


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<P STYLE="font: 16pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify; color: #00B050; text-transform: uppercase"><FONT STYLE="font-weight: normal; text-transform: none">Additional
Terms of Your Notes</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 12pt; text-align: justify">You should read this pricing supplement
together with the prospectus, as supplemented by the product prospectus supplement, relating to our Senior Debt Securities, of
which these Notes are a part. Capitalized terms used but not defined in this pricing supplement will have the meanings given to
them in the product prospectus supplement. In the event of any conflict the following hierarchy will govern: first, this pricing
supplement; second, the product prospectus supplement; and last, the prospectus. <B><I>The Notes vary from the terms described
in the product prospectus supplement in several important ways. You should read this pricing supplement carefully.</I></B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 12pt; text-align: justify">This pricing supplement, together with
the documents listed below, contains the terms of the Notes 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 in &ldquo;Additional Risk Factors&rdquo; beginning on page P-7 of this pricing supplement, &ldquo;Additional Risk Factors
Specific to the Notes&rdquo; beginning on page PS-4 of the product prospectus supplement and &ldquo;Risk Factors&rdquo; on page
1 of the prospectus, as the Notes 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 Notes. You may access these documents on the Securities and
Exchange Commission (the &ldquo;SEC&rdquo;) website at www.sec.gov as follows (or if that address has changed, by reviewing our
filings for the relevant date on the SEC website):</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font: 10pt Wingdings">&#167;</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="font-size: 10pt">Prospectus dated July 28, 2014:</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 10pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"></TD><TD STYLE="text-align: justify"><A HREF="http://www.sec.gov/Archives/edgar/data/947263/000121465914005375/s723140424b5.htm">http://www.sec.gov/Archives/edgar/data/947263/000121465914005375/s723140424b5.htm</A></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font: 10pt Wingdings">&#167;</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="font-size: 10pt">Product Prospectus Supplement MLN-EI-1 dated August 31, 2015:</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 10pt 0.25in; text-align: justify; text-indent: 0in"><A HREF="http://www.sec.gov/Archives/edgar/data/947263/000089109215007723/e65846_424b2.htm">http://www.sec.gov/Archives/edgar/data/947263/000089109215007723/e65846_424b2.htm</A></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 12pt; text-align: justify">Our Central Index Key, or CIK, on the
SEC website is 0000947263. As used in this pricing supplement, the &ldquo;Bank,&rdquo; &ldquo;we,&rdquo; &ldquo;us,&rdquo; or &ldquo;our&rdquo;
refers to The Toronto-Dominion Bank and its subsidiaries. Alternatively, The Toronto-Dominion Bank, any agent or any dealer participating
in this offering will arrange to send you the product prospectus supplement and the prospectus if you so request by calling 1-855-303-3234.</P>


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<P STYLE="font: 16pt Arial, Helvetica, Sans-Serif; margin: 0 0 12pt; text-align: justify; color: #00B050"><FONT STYLE="text-transform: uppercase"><B>Additional
Risk Factors</B></FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 5pt; text-align: justify">The Notes involve risks not associated
with an investment in conventional debt securities. This section describes the most significant risks relating to the terms of
the Notes. For additional information as to these risks, please see &ldquo;Additional Risk Factors Specific to the Notes&rdquo;
in the product prospectus supplement and &ldquo;Risk Factors&rdquo; in the prospectus.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 5pt; text-align: justify">You should carefully consider whether
the Notes are suited to your particular circumstances before you decide to purchase them. Accordingly, prospective investors should
consult their investment, legal, tax, accounting and other advisors as to the risks entailed by an investment in the Notes and
the suitability of the Notes in light of their particular circumstances.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 5pt; text-indent: 0in"><B>Principal at Risk.</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 5pt; text-align: justify; text-indent: 0in">Investors in the Notes
could lose their entire principal amount if there is a decline in the level of the Reference Asset by more than the Buffer Percentage.
If the Final Level is less than the Initial Level by more than 15.00%, you will lose a portion of the principal amount in an amount
equal to the Downside Multiplier multiplied by the sum of the negative Percentage Change plus the Buffer Percentage times $1,000.
Specifically, you will lose approximately 1.1765% of the principal amount of each of your Notes for every 1% that the Final Level
is less than the Initial Level in excess of the Buffer Percentage and you may lose your entire principal amount.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 5pt; text-align: justify"><B>The Notes Do Not Pay Interest and Your
Return on the Notes May Be Less Than the Return on Conventional Debt Securities of Comparable Maturity.</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 5pt; text-align: justify">There will be no periodic interest payments
on the Notes as there would be on a conventional fixed-rate or floating-rate debt security having the same term. The return that
you will receive on the Notes, which could be negative, may be less than the return you could earn on other investments. Even if
your return is positive, your return may be less than the return you would earn if you bought a conventional senior interest bearing
debt security of TD.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 5pt; text-align: justify"><B>Your Potential Return on the Notes
Is Limited by the Maximum Payment Amount and May Be Less Than the Return on a Direct Investment In the Reference Asset.</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 5pt; text-align: justify">The opportunity to participate in the
possible increases in the level of the Reference Asset through an investment in the Notes will be limited because the Payment at
Maturity will not exceed the Maximum Payment Amount. Furthermore, the effect of the Leverage Factor will not be taken into account
for any Final Level exceeding the Cap Level no matter how much the level of the Reference Asset may rise above the Cap Level. Accordingly,
your return on the Notes may be less than your return would be if you made an investment in a security directly linked to the performance
of the Reference Asset.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 5pt; text-align: justify"><B>Investors Are Subject to TD&rsquo;s
Credit Risk, and TD&rsquo;s Credit Ratings and Credit Spreads May Adversely Affect the Market Value of the Notes.</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 5pt; text-align: justify">Although the return on the Notes will
be based on the performance of the Reference Asset, the payment of any amount due on the Notes is subject to TD&rsquo;s credit
risk. The Notes are TD&rsquo;s unsecured debt obligations. Investors are dependent on TD&rsquo;s ability to pay all amounts due
on the Notes on the Maturity Date, and, therefore, investors are subject to the credit risk of TD and to changes in the market&rsquo;s
view of TD&rsquo;s creditworthiness. Any decrease in TD&rsquo;s credit ratings or increase in the credit spreads charged by the
market for taking TD&rsquo;s credit risk is likely to adversely affect the market value of the Notes.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 5pt; text-align: justify"><B>The Agent Discount, Offering Expenses
and Certain Hedging Costs Are Likely to Adversely Affect Secondary Market Prices.</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 5pt; text-align: justify">Assuming no changes in market conditions
or any other relevant factors, the price, if any, at which you may be able to sell the Notes will likely be lower than the public
offering price. The public offering price includes, and any price quoted to you is likely to exclude, the underwriting discount
paid in connection with the initial distribution, offering expenses as well as the cost of hedging our obligations under the Notes.
In addition, any such price is also likely to reflect dealer discounts, mark-ups and other transaction costs, such as a discount
to account for costs associated with establishing or unwinding any related hedge transaction. In addition, if the dealer from which
you purchase Notes is to conduct hedging activities for us in connection with the Notes, that dealer may profit in connection with
such hedging activities and such profit, if any, will be in addition to the compensation that the dealer receives for the sale
of the Notes to you. You should be aware that the potential to earn fees in connection with hedging activities may create a further
incentive for the dealer to sell the Notes to you in addition to the compensation they would receive for the sale of the Notes.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 5pt; text-align: justify"><B>There May Not Be an Active Trading
Market for the Notes &mdash; Sales in the Secondary Market May Result in Significant Losses.</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 5pt; text-align: justify">There may be little or no secondary market
for the Notes. The Notes will not be listed on any securities exchange. TDS, GS&amp;Co. and our or their respective affiliates
may make a market for the Notes; however, they are not required to do so. TDS, GS&amp;Co. and our or their respective affiliates
may stop any market-making activities at any time. Even if a secondary </P>


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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 5pt; text-align: justify">market for the Notes develops, it may not provide significant liquidity or trade at prices advantageous to you. We expect that transaction costs in any secondary
market would be high. As a result, the difference between bid and ask prices for your Notes in any secondary market could be substantial.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 5pt; text-align: justify">If you sell your Notes before the Maturity
Date, you may have to do so at a substantial discount from the public offering price irrespective of the level of the Reference
Asset and, as a result, you may suffer substantial losses.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 5pt; text-align: justify"><B>If the Level of the Reference Asset
Changes, the Market Value of Your Notes May Not Change in the Same Manner.</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 5pt; text-align: justify">Your Notes may trade quite differently
from the performance of the Reference Asset. Changes in the level of the Reference Asset may not result in a comparable change
in the market value of your Notes. Even if the level of the Reference Asset increases above the Initial Level during the life of
the Notes, the market value of your Notes may not increase by the same amount and could decline.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 5pt; text-align: justify"><B>The Payment at Maturity Is Not Linked
to the Level of the Reference Asset at Any Time Other than the Valuation Date.</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 5pt; text-align: justify">The Final Level will be the Closing Level
of the Reference Asset on the Valuation Date (subject to adjustment as described elsewhere in this pricing supplement). Therefore,
if the Closing Level of the Reference Asset dropped precipitously on the Valuation Date, the Payment at Maturity for your Notes
may be significantly less than it would have been had the Payment at Maturity been linked to the Closing Level of the Reference
Asset prior to such drop in the level of the Reference Asset. Although the actual level of the Reference Asset on the Maturity
Date or at other times during the life of your Notes may be higher than the Final Level, you will not benefit from the level of
the Reference Asset at any time other than the Closing Level on the Valuation Date.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 5pt; text-align: justify"><B>We May Sell an Additional Aggregate
Principal Amount of the Notes at a Different Public Offering Price.</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 5pt; text-align: justify">At our sole option, we may decide to sell
an additional aggregate principal amount of the Notes subsequent to the date of this pricing supplement. The public offering price
of the Notes in the subsequent sale may differ substantially (higher or lower) from the original public offering price you paid
as provided on the cover of this pricing supplement.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 5pt; text-align: justify"><B>If You Purchase Your Notes at a Premium
to Principal Amount, the Return on Your Investment Will Be Lower Than the Return on Notes Purchased at Principal Amount and the
Impact of Certain Key Terms of the Notes Will be Negatively Affected.</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 5pt; text-align: justify">The Payment at Maturity will not be adjusted
based on the public offering price you pay for the Notes. If you purchase Notes at a price that differs from the principal amount
of the Notes, then the return on your investment in such Notes held to the Maturity Date will differ from, and may be substantially
less than, the return on Notes purchased at principal amount. If you purchase your Notes at a premium to principal amount and hold
them to the Maturity Date, the return on your investment in the Notes will be lower than it would have been had you purchased the
Notes at principal amount or a discount to principal amount. In addition, the impact of the Buffer Level and the Cap Level on the
return on your investment will depend upon the price you pay for your Notes relative to principal amount. For example, if you purchase
your Notes at a premium to principal amount, the Cap Level will only permit a lower positive return in your investment in the Notes
than would have been the case for Notes purchased at principal amount or a discount to principal amount. Similarly, the Buffer
Level, while still providing some protection for the return on the Notes, will allow a greater percentage decrease in your investment
in the Notes than would have been the case for Notes purchased at principal amount or a discount to principal amount.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 5pt; text-align: justify"><B>You Will Not Have Any Rights to the
Securities Included in the Reference Asset.</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 5pt; text-align: justify; text-indent: 0in">As a holder of the Notes,
you will not have voting rights or rights to receive cash dividends or other distributions or other rights that holders of securities
included in the Reference Asset (&ldquo;Reference Asset Constituents&rdquo;) would have. The Final Level will not reflect any dividends
paid on any Reference Asset Constituents.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 5pt; text-indent: 0in"><B>We Have No Affiliation with the Index
Sponsor and Will Not Be Responsible for Any Actions Taken by the Index Sponsor.</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 5pt; text-align: justify; text-indent: 0in">S&amp;P Dow Jones Indices
LLC, a division of The McGraw-Hill Companies, Inc. (the &ldquo;Index Sponsor&rdquo;) is not an affiliate of ours and will not be
involved in any offerings of the Notes in any way. Consequently, we have no control of any actions of the Index Sponsor, including
any actions of the type that would require the Calculation Agent to adjust the Payment at Maturity. The Index Sponsor does not
have any obligation of any sort with respect to the Notes. Thus, the Index Sponsor has no obligation to take your interests into
consideration for any reason, including in taking any actions that might affect the value of the Notes. None of our proceeds from
any issuance of the Notes will be delivered to the Index Sponsor, except to the extent that we are required to pay the Index Sponsor
licensing fees with respect to the Reference Asset.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 5pt; text-align: justify; text-indent: 0in"></P>


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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 10 0 5pt; text-indent: 0in"><B>The Business Activities of the Issuer
or its Affiliates or GS&amp;Co. or its Affiliates May Create Conflicts of Interest.</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 5pt; text-align: justify">We, GS&Co. and our or their
respective affiliates expect to engage in trading activities related to the Reference Asset or any Reference Asset
Constituents that are not for the account of holders of the Notes or on their behalf. These trading activities may present a
conflict between the holders&rsquo; interests in the Notes and the interests we, GS&Co., and our or their respective affiliates
will have in their proprietary accounts, in facilitating transactions, including options and other derivatives transactions,
for their customers and in accounts under their management. These trading activities, if they influence the level of the
Reference Asset, could be adverse to the interests of the holders of the Notes. We, GS&amp;Co. and one or more of our or
their respective affiliates may, at present or in the future, engage in business with the issuers of the Reference Asset
Constituents, including making loans to or providing advisory services. These services could include investment banking and
merger and acquisition advisory services. These activities may present a conflict between our or one or more of our or their
affiliates&rsquo; obligations and your interests as a holder of the Notes. Moreover, we, GS&amp;Co. and our or their
respective affiliates may have published, and in the future expect to publish, research reports with respect to the Reference
Asset or any Reference Asset Constituents. This research is modified from time to time without notice and may express
opinions or provide recommendations that are inconsistent with purchasing or holding the Notes. Any of these activities by
us, GS&amp;Co., or one or more of our or their respective affiliates may affect the level of the Reference Asset, and,
therefore, the market value of the Notes.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 5pt; text-align: justify"><B>The Estimated Value of Your Notes at
the Time the Terms of Your Notes Are Set on the Pricing Date Is Less Than the Public Offering Price of Your Notes.</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 5pt; text-align: justify">The public offering price for your Notes
exceeds the estimated value of your Notes at the time the terms of your Notes are set on the Pricing Date. This estimated value
is set forth under &ldquo;Additional Information Regarding Estimated Value of the Notes&rdquo; on page P-2 of this pricing supplement.
As discussed in such section, the pricing models that are used to determine the estimated value of your Notes consider our credit
spreads. After the Pricing Date, the estimated value will be affected by changes in market conditions, our creditworthiness and
other relevant factors as further described under &ldquo;Additional Information Regarding Estimated Value of the Notes&rdquo; on
page P-2 of this pricing supplement.<FONT STYLE="font-family: Cambria, Times, Serif"> </FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 5pt; text-align: justify"><B>The Value of the Notes Shown in Your
GS&amp;Co. Account Statements and the Price at Which GS&amp;Co. Would Buy or Sell Your Notes (if GS&amp;Co. Makes a Market, Which
It is Not Obligated to Do) Will Be Based on the Estimated Value of Your Notes.</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 5pt; text-align: justify">The price at which GS&amp;Co. would initially
buy or sell your Notes (if GS&amp;Co. makes a market, which it is not obligated to do), and the value that GS&amp;Co. will initially
use for account statements and otherwise, exceeds the estimated value of your Notes as determined by reference to GS&amp;Co.&rsquo;s
pricing models and taking into account TD&rsquo;s credit spreads. As agreed by GS&amp;Co., the amount of this excess will decline
on a straight line basis over the period from the date hereof through the applicable date set forth above under &ldquo;Additional
Information Regarding Estimated Value of the Notes&rdquo; on page P-2 of this pricing supplement. Thereafter, if GS&amp;Co. buys
or sells your Notes, it will do so at prices that reflect the estimated value at that time determined by reference to pricing models
and taking into account variables similar to those used in determining the estimated value on the Pricing Date. The price at which
GS&amp;Co. will buy or sell your Notes at any time also will reflect its then current bid and ask spread for similar sized trades
of structured notes.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 5pt; text-align: justify">In estimating the value of your Notes
at the time the terms of your Notes are set on the Pricing Date, as disclosed under &ldquo;Additional Information Regarding Estimated
Value of the Notes&rdquo; on page P-2 of this pricing supplement, the pricing models consider certain variables, including principally
TD&rsquo;s credit spreads, interest rates (forecasted, current and historical rates), volatility, price-sensitivity analysis and
the time to maturity of the Notes. These pricing models rely in part on certain assumptions about future events, which may prove
to be incorrect. As a result, the actual value you would receive if you sold your Notes in the secondary market, if any, to others
may differ, perhaps materially, from the estimated value of your Notes determined by reference to GS&amp;Co.&rsquo;s models due
to, among other things, any differences in pricing models or assumptions used by others.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 5pt; text-align: justify">In addition to the factors discussed above,
the value and quoted price of your Notes at any time will reflect many factors and cannot be predicted. If GS&amp;Co. makes a market
in the Notes, the price quoted by GS&amp;Co. would reflect any changes in market conditions and other relevant factors, including
any deterioration in TD&rsquo;s creditworthiness or perceived creditworthiness. These changes may adversely affect the value of
your Notes, including the price you may receive for your Notes in any market making transaction. To the extent that GS&amp;Co.
makes a market in the Notes, the quoted price will reflect the estimated value determined at that time using pricing models and
variables similar to those used in determining the estimated value on the Pricing Date, plus or minus its then current bid and
ask spread for similar sized trades of structured notes (and subject to the declining excess amount described above).</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 5pt; text-align: justify">Furthermore, if you sell your Notes, you
will likely be charged a commission for secondary market transactions, or the price will likely reflect a dealer discount. This
commission or discount will further reduce the proceeds you would receive for your Notes in a secondary market sale.</P>

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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 10 0 5pt; text-align: justify">There is no assurance that GS&amp;Co.
or any other party will be willing to purchase your Notes at any price and, in this regard, GS&amp;Co. is not obligated to make
a market in the Notes. See &ldquo;&mdash;There May Not Be an Active Trading Market for the Notes&mdash;Sales in the Secondary Market
May Result in Significant Losses&rdquo; above.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 5pt; text-align: justify; text-indent: 0in"><B>The Temporary Price
at Which GS&amp;Co. May Initially Buy the Notes in the Secondary Market May Not Be Indicative of Future Prices of Your Notes.</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 5pt; text-align: justify; text-indent: 0in">Assuming that all
relevant factors remain constant after the Pricing Date, the price at which GS&amp;Co. may initially buy or sell the Notes in
the secondary market (if GS&amp;Co. makes a market in the Notes, which it is not obligated to do) may exceed our estimated
value of the Notes on the Pricing Date, as well as the secondary market value of the Notes, for a temporary period after the
initial issue date of the Notes. The price at which GS&amp;Co. may initially buy or sell the Notes in the secondary market
may not be indicative of future prices of your Notes.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 5pt; text-align: justify"><B>There Are Potential Conflicts of Interest
Between You and the Calculation Agent.</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 5pt; text-align: justify; text-indent: 0in">The Calculation Agent
will, among other things, determine the amount of your payment on the Notes. We will serve as the Calculation Agent and may appoint
a different Calculation Agent after the Issue Date without notice to you. The Calculation Agent will exercise its judgment when
performing its functions and may take into consideration our ability to unwind any related hedges. Since this discretion by the
Calculation Agent may affect payments on the Notes, the Calculation Agent may have a conflict of interest if it needs to make any
such decision. For example, the Calculation Agent may have to determine whether a market disruption event affecting the Reference
Asset has occurred. This determination may, in turn, depend on the Calculation Agent&rsquo;s judgment whether the event has materially
interfered with our ability or the ability of one of our affiliates to unwind our hedge positions. Since this determination by
the Calculation Agent will affect the payment on the Notes, the Calculation Agent may have a conflict of interest if it needs to
make a determination of this kind. For additional information as to the Calculation Agent&rsquo;s role, see &ldquo;General Terms
of the Notes&mdash;Role of Calculation Agent&rdquo; in the product prospectus supplement.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 5pt; text-align: justify"><B>Market Disruption Events and Adjustments.</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 5pt; text-align: justify">The Valuation Date, and therefore the
Maturity Date, are subject to postponement as described in the product prospectus supplement due to the occurrence of one or more
market disruption events. For a description of what constitutes a market disruption event as well as the consequences of that market
disruption event, see &ldquo;General Terms of the Notes&mdash;Market Disruption Events&rdquo; in the product prospectus supplement.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 5pt; text-align: justify"><B>Significant Aspects of the Tax Treatment
of the Notes Are Uncertain.</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 5pt; text-align: justify">Significant aspects of the U.S. tax treatment
of the Notes are uncertain. You should consult your tax advisor about your own tax situation and should read carefully the section
entitled &ldquo;Supplemental Discussion of U.S. Federal Income Tax Consequences&rdquo; below.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 5pt; text-align: justify">For a more complete discussion of the
Canadian federal income tax consequences of investing in the Notes, please see the discussion in the product prospectus supplement
under &ldquo;Supplemental Discussion of Canadian Tax Consequences.&rdquo;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 5pt; text-align: justify">If you are not a Non-resident Holder (as
that term is defined in the prospectus) or if you acquire the Notes in the secondary market, you should consult your tax advisors
as to the consequences of acquiring, holding and disposing of the Notes and receiving the payments that might be due under the
Notes.</P>


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<P STYLE="font: 16pt Arial, Helvetica, Sans-Serif; margin: 0 0 12pt; color: #00B050; text-transform: uppercase; text-align: justify"><FONT STYLE="font-weight: normal; text-transform: none">Hypothetical
Returns</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 6pt 0 0; text-align: justify">The examples and graph set out below are
included for illustration purposes only. They should not be taken as an indication or prediction of future investment results and
merely are intended to illustrate the impact that the various hypothetical levels of the Reference Asset on the Valuation Date
could have on the Payment at Maturity assuming all other variables remain constant.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 6pt 0 0; text-align: justify">The examples below are based on a range
of Final Levels that are entirely hypothetical; the levels of the Reference Asset on any day throughout the life of the Notes,
including the Final Level on the Valuation Date, cannot be predicted. The Reference Asset has been highly volatile in the past&mdash;meaning
that the level of the Reference Asset has changed considerably in relatively short periods&mdash;and its performance cannot be
predicted for any future period.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 5pt 0; text-align: justify">The information in the following examples
reflects hypothetical rates of return on the offered Notes assuming that they are purchased on the Issue Date at the principal
amount and held to the Maturity Date. If you sell your Notes in a secondary market prior to the Maturity Date, your return will
depend upon the market value of your Notes at the time of sale, which may be affected by a number of factors that are not reflected
in the table below, such as interest rates, the volatility of the Reference Asset and our creditworthiness. In addition, the estimated
value of your Notes at the time the terms of your Notes are set on the Pricing Date (as determined by reference to pricing models
used by us) is less than the original public offering price of your Notes. For more information on the estimated value of your
Notes, see &ldquo;Additional Risk Factors&mdash;The Estimated Value of Your Notes at the Time the Terms of Your Notes Are Set on
the Pricing Date Is Less Than the Public Offering Price of Your Notes&rdquo; on page P-9 of this pricing supplement. The information
in the table and the examples also reflect the key terms and assumptions in the box below.</P>

<TABLE ALIGN="CENTER" CELLSPACING="0" CELLPADDING="0" STYLE="width: 638px; border-collapse: collapse; font-size: 10pt">
<TR STYLE="vertical-align: top">
    <TD COLSPAN="2" STYLE="border-top: black 1pt solid; border-right: black 1pt solid; border-bottom: Black 1pt solid; border-left: black 1pt solid; padding-right: 0.5pt; padding-left: 0.5pt; font-family: Cambria, Times, Serif"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif"><B>Key Terms and Assumptions</B></FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 203.45pt; border-left: black 1pt solid; border-bottom: Black 1pt solid; border-right: black 1pt solid; padding-right: 0.5pt; padding-left: 0.5pt; font-family: Cambria, Times, Serif"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">Principal Amount</FONT></TD>
    <TD STYLE="width: 275.4pt; border-bottom: Black 1pt solid; border-right: black 1pt solid; padding-right: 5.85pt; text-align: right; font-family: Cambria, Times, Serif"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">$1,000</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-right: black 1pt solid; border-bottom: black 1pt solid; border-left: black 1pt solid; padding-right: 0.5pt; padding-left: 0.5pt; font-family: Cambria, Times, Serif"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">Leverage Factor</FONT></TD>
    <TD STYLE="border-right: black 1pt solid; border-bottom: black 1pt solid; padding-right: 5.85pt; text-align: right; font-family: Cambria, Times, Serif"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">125.00%</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-right: black 1pt solid; border-left: black 1pt solid; border-bottom: Black 1pt solid; padding-right: 0.5pt; padding-left: 0.5pt; font-family: Cambria, Times, Serif"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">Cap Level</FONT></TD>
    <TD STYLE="border-right: black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.85pt; text-align: right; font-family: Cambria, Times, Serif"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">113.30% of the Initial Level</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-right: black 1pt solid; border-left: black 1pt solid; border-bottom: Black 1pt solid; padding-right: 0.5pt; padding-left: 0.5pt; font-family: Cambria, Times, Serif"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">Maximum Payment Amount </FONT></TD>
    <TD STYLE="border-right: black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.85pt; text-align: right; font-family: Cambria, Times, Serif"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">$1,166.25</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-right: black 1pt solid; border-left: black 1pt solid; border-bottom: Black 1pt solid; padding-right: 0.5pt; padding-left: 0.5pt; font-family: Cambria, Times, Serif"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">Buffer Level</FONT></TD>
    <TD STYLE="border-right: black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.85pt; text-align: right; font-family: Cambria, Times, Serif"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">85.00% of the Initial Level</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-right: black 1pt solid; border-left: black 1pt solid; border-bottom: Black 1pt solid; padding-right: 0.5pt; padding-left: 0.5pt; font-family: Cambria, Times, Serif"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">Downside Multiplier</FONT></TD>
    <TD STYLE="border-right: black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.85pt; text-align: right; font-family: Cambria, Times, Serif"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">Approximately 117.65%</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-right: black 1pt solid; border-left: black 1pt solid; border-bottom: Black 1pt solid; padding-right: 0.5pt; padding-left: 0.5pt; font-family: Cambria, Times, Serif"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">Buffer Percentage</FONT></TD>
    <TD STYLE="border-right: black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.85pt; text-align: right; font-family: Cambria, Times, Serif"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">15.00%</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD COLSPAN="2" STYLE="border-right: black 1pt solid; border-left: black 1pt solid; padding-right: 0.5pt; padding-left: 0.5pt; font-family: Cambria, Times, Serif; padding-bottom: 6pt"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">Neither a market disruption event nor a non-Trading Day occurs on the originally scheduled Valuation Date </FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD COLSPAN="2" STYLE="border-right: black 1pt solid; border-left: black 1pt solid; padding-right: 0.5pt; padding-left: 0.5pt; font-family: Cambria, Times, Serif; padding-bottom: 6pt"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">No change in or affecting any of the Reference Asset Constituents or the method by which the Index Sponsor calculates the Reference Asset </FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD COLSPAN="2" STYLE="border-right: black 1pt solid; border-left: black 1pt solid; border-bottom: Black 1pt solid; padding-right: 0.5pt; padding-left: 0.5pt; font-family: Cambria, Times, Serif"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">Notes purchased on the Issue Date at the principal amount and held to the Maturity Date</FONT></TD></TR>
</TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 6pt 0 0; text-align: justify">The actual performance of the Reference
Asset over the life of your Notes, as well as the Payment at Maturity, if any, may bear little relation to the hypothetical examples
shown below or to the historical levels of the Reference Asset shown elsewhere in this pricing supplement. For information about
the historical levels of the Reference Asset during recent periods, see &ldquo;Information Regarding the Reference Asset&mdash;Historical
Information&rdquo; below. Before investing in the offered Notes, you should consult publicly available information to determine
the levels of the Reference Asset between the date of this pricing supplement and the date of your purchase of the offered Notes.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 6pt 0 0; text-align: justify">Also, the hypothetical examples shown
below do not take into account the effects of applicable taxes. Because of the U.S. tax treatment applicable to your Notes, tax
liabilities could affect the after-tax rate of return on your Notes to a comparatively greater extent than the after-tax return
on the Reference Asset Constituents.</P>


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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 5pt 0; text-align: justify">The levels in the left column of the table
below represent hypothetical Final Levels and are expressed as percentages of the Initial Level. The amounts in the right column
represent the hypothetical Payment at Maturity, based on the corresponding hypothetical Final Level, and are expressed as percentages
of the principal amount of a Note (rounded to the nearest one-thousandth of a percent). Thus, a hypothetical Payment at Maturity
of 100.000% means that the value of the cash payment that we would deliver for each $1,000 of the outstanding principal amount
of the offered Notes on the Maturity Date would equal 100.000% of the principal amount of a Note, based on the corresponding hypothetical
Final Level and the assumptions noted above.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 5pt 0; text-align: justify">&nbsp;</P>

<TABLE ALIGN="CENTER" CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Cambria, Times, Serif; width: 547px; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 2.05pt; padding-top: 5pt; padding-bottom: 5pt">&nbsp;</TD>
    <TD STYLE="width: 204.1pt; border-bottom: black 1pt solid; padding-right: 0.5pt; padding-left: 0.5pt">
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><B>Hypothetical Final Level</B></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><B>(as Percentage of Initial Level)</B></P></TD>
    <TD STYLE="width: 204.1pt; border-bottom: black 1pt solid; padding-right: 0.5pt; padding-left: 0.5pt">
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><B>Hypothetical Payment at Maturity </B></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><B>(as Percentage of Principal Amount)</B></P></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 0.5pt; padding-left: 0.5pt">&nbsp;</TD>
    <TD STYLE="padding-right: 0.5pt; padding-left: 0.5pt; text-align: center"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">150.000%</FONT></TD>
    <TD STYLE="padding-right: 0.5pt; padding-left: 0.5pt; text-align: center"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">116.625%</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 0.5pt; padding-left: 0.5pt">&nbsp;</TD>
    <TD STYLE="padding-right: 0.5pt; padding-left: 0.5pt; text-align: center"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">140.000%</FONT></TD>
    <TD STYLE="padding-right: 0.5pt; padding-left: 0.5pt; text-align: center"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">116.625%</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 0.5pt; padding-left: 0.5pt">&nbsp;</TD>
    <TD STYLE="padding-right: 0.5pt; padding-left: 0.5pt; text-align: center"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">130.000%</FONT></TD>
    <TD STYLE="padding-right: 0.5pt; padding-left: 0.5pt; text-align: center"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">116.625%</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 0.5pt; padding-left: 0.5pt">&nbsp;</TD>
    <TD STYLE="padding-right: 0.5pt; padding-left: 0.5pt; text-align: center"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">120.000%</FONT></TD>
    <TD STYLE="padding-right: 0.5pt; padding-left: 0.5pt; text-align: center"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">116.625%</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 0.5pt; padding-left: 0.5pt">&nbsp;</TD>
    <TD STYLE="background-color: #BFBFBF; padding-right: 0.5pt; padding-left: 0.5pt; text-align: center"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif"><B>113.300%</B></FONT></TD>
    <TD STYLE="background-color: #BFBFBF; padding-right: 0.5pt; padding-left: 0.5pt; text-align: center"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif"><B>116.625%</B></FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 0.5pt; padding-left: 0.5pt">&nbsp;</TD>
    <TD STYLE="padding-right: 0.5pt; padding-left: 0.5pt; text-align: center"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">110.000%</FONT></TD>
    <TD STYLE="padding-right: 0.5pt; padding-left: 0.5pt; text-align: center"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">112.500%</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 0.5pt; padding-left: 0.5pt">&nbsp;</TD>
    <TD STYLE="padding-right: 0.5pt; padding-left: 0.5pt; text-align: center"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">105.000%</FONT></TD>
    <TD STYLE="padding-right: 0.5pt; padding-left: 0.5pt; text-align: center"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">106.250%</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 0.5pt; padding-left: 0.5pt">&nbsp;</TD>
    <TD STYLE="background-color: white; padding-right: 0.5pt; padding-left: 0.5pt; text-align: center"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">101.000%</FONT></TD>
    <TD STYLE="background-color: white; padding-right: 0.5pt; padding-left: 0.5pt; text-align: center"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">101.250%</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 0.5pt; padding-left: 0.5pt">&nbsp;</TD>
    <TD STYLE="background-color: #BFBFBF; padding-right: 0.5pt; padding-left: 0.5pt; text-align: center"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif"><B>100.000%</B></FONT></TD>
    <TD STYLE="background-color: #BFBFBF; padding-right: 0.5pt; padding-left: 0.5pt; text-align: center"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif"><B>100.000%</B></FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 0.5pt; padding-left: 0.5pt">&nbsp;</TD>
    <TD STYLE="padding-right: 0.5pt; padding-left: 0.5pt; text-align: center"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">95.000%</FONT></TD>
    <TD STYLE="padding-right: 0.5pt; padding-left: 0.5pt; text-align: center"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">100.000%</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 0.5pt; padding-left: 0.5pt">&nbsp;</TD>
    <TD STYLE="background-color: white; padding-right: 0.5pt; padding-left: 0.5pt; text-align: center"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">90.000%</FONT></TD>
    <TD STYLE="background-color: white; padding-right: 0.5pt; padding-left: 0.5pt; text-align: center"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">100.000%</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 0.5pt; padding-left: 0.5pt">&nbsp;</TD>
    <TD STYLE="background-color: #BFBFBF; padding-right: 0.5pt; padding-left: 0.5pt; text-align: center"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif"><B>85.000%</B></FONT></TD>
    <TD STYLE="background-color: #BFBFBF; padding-right: 0.5pt; padding-left: 0.5pt; text-align: center"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif"><B>100.000%</B></FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 0.5pt; padding-left: 0.5pt">&nbsp;</TD>
    <TD STYLE="padding-right: 0.5pt; padding-left: 0.5pt; text-align: center"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">84.000%</FONT></TD>
    <TD STYLE="padding-right: 0.5pt; padding-left: 0.5pt; text-align: center"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">98.824%</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 0.5pt; padding-left: 0.5pt">&nbsp;</TD>
    <TD STYLE="padding-right: 0.5pt; padding-left: 0.5pt; text-align: center"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">80.000%</FONT></TD>
    <TD STYLE="padding-right: 0.5pt; padding-left: 0.5pt; text-align: center"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">94.118%</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 0.5pt; padding-left: 0.5pt">&nbsp;</TD>
    <TD STYLE="padding-right: 0.5pt; padding-left: 0.5pt; text-align: center"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">75.000%</FONT></TD>
    <TD STYLE="padding-right: 0.5pt; padding-left: 0.5pt; text-align: center"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">88.235%</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 0.5pt; padding-left: 0.5pt">&nbsp;</TD>
    <TD STYLE="padding-right: 0.5pt; padding-left: 0.5pt; text-align: center"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">50.000%</FONT></TD>
    <TD STYLE="padding-right: 0.5pt; padding-left: 0.5pt; text-align: center"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">58.824%</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 0.5pt; padding-left: 0.5pt">&nbsp;</TD>
    <TD STYLE="background-color: white; padding-right: 0.5pt; padding-left: 0.5pt; text-align: center"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">25.000%</FONT></TD>
    <TD STYLE="background-color: white; padding-right: 0.5pt; padding-left: 0.5pt; text-align: center"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">29.412%</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 0.5pt; padding-left: 0.5pt">&nbsp;</TD>
    <TD STYLE="background-color: #BFBFBF; padding-right: 0.5pt; padding-left: 0.5pt; text-align: center"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif"><B>0.000%</B></FONT></TD>
    <TD STYLE="background-color: #BFBFBF; padding-right: 0.5pt; padding-left: 0.5pt; text-align: center"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif"><B>0.0000%</B></FONT></TD></TR>
</TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 5pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 5pt 0; text-align: justify">If, for example, the Final Level were determined
to be 25.000% of the Initial Level, the Payment at Maturity that we would deliver on your Notes at maturity would be approximately
29.412% of the principal amount of your Notes, as shown in the table above. As a result, if you purchased your Notes on the Issue
Date at the principal amount and held them to the Maturity Date, you would lose approximately 70.588% of your investment (if you
purchased your Notes at a premium to principal amount you would lose a correspondingly higher percentage of your investment).<FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-weight: normal">
If the Final Level were determined to be 0.000% of the Initial Level, you would lose 100.000% of your investment in the Notes.
</FONT> In addition, if the Final Level were determined to be 150.000% of the Initial Level, the Payment at Maturity that we would
deliver on your Notes at maturity would be capped at the Maximum Payment Amount, or 116.625% of each $1,000 principal amount of
your Notes, as shown in the table above. As a result, if you held your Notes to the Maturity Date, you would not benefit from any
increase in the Final Level of greater than 113.300% of the Initial Level.</P>


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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 12pt; ">The following examples illustrate the hypothetical
Payment at Maturity for each Note based on hypothetical Final Levels of the Reference Asset, calculated based on the key terms
and assumptions above. The values below have been rounded for ease of analysis.</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Cambria, Times, Serif; width: 95%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: left; vertical-align: top">
 <FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">Example 1&mdash;</FONT></TD>
    <TD COLSPAN="2" STYLE="padding-right: 5.4pt; padding-bottom: 6pt; padding-left: 5.4pt; text-align: justify"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">Calculation of the Payment at Maturity where the Percentage Change is positive (and the Final Level is below the Cap Level).</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 70.6pt; text-align: left; vertical-align: top">&nbsp;</TD>
    <TD STYLE="width: 111.9pt; padding-right: 5.4pt; padding-bottom: 6pt; padding-left: 5.4pt; text-align: justify"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">Percentage Change:</FONT></TD>
    <TD STYLE="width: 326.9pt; padding-right: 5.4pt; padding-bottom: 6pt; padding-left: 5.4pt; text-align: justify"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">5.00%</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: left; vertical-align: top">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-bottom: 6pt; padding-left: 5.4pt; text-align: justify"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">Payment at Maturity:</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-bottom: 6pt; padding-left: 5.4pt; text-align: justify"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">$1,000 + ($1,000 x 5.00% x 125.00%) = $1,000 + $62.50= $1,062.50</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: left; vertical-align: top">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding-right: 5.4pt; padding-left: 5.4pt">
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 6pt; text-align: justify; ">On a $1,000 investment, a
        5.00% Percentage Change results in a Payment at Maturity of $1,062.50, a 6.25% return on the Notes.</P>
        </TD></TR>
</TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 6pt 0 0; text-align: justify">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Cambria, Times, Serif; width: 95%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: left; vertical-align: top">
 <FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif; ">Example 2&mdash;</FONT></TD>
    <TD COLSPAN="2" STYLE="padding-right: 5.4pt; padding-bottom: 6pt; padding-left: 5.4pt; text-align: justify"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif; ">Calculation of the Payment at Maturity where the Percentage Change is positive (and the Final Level is above or equal to the Cap Level).</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 70.6pt; text-align: left; vertical-align: top">&nbsp;</TD>
    <TD STYLE="width: 111.9pt; padding-right: 5.4pt; padding-bottom: 6pt; padding-left: 5.4pt; text-align: justify"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif; ">Percentage Change:</FONT></TD>
    <TD STYLE="width: 326.9pt; padding-right: 5.4pt; padding-bottom: 6pt; padding-left: 5.4pt; text-align: justify"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif; ">50.00%</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: left; vertical-align: top">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-bottom: 6pt; padding-left: 5.4pt; text-align: justify"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif; ">Payment at Maturity:</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-bottom: 6pt; padding-left: 5.4pt; text-align: justify"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif; ">$1,000 + ($1,000 x 50.00% x 125.00%) = $1,000 + $625.00 = $1,625.00 however, the Maximum Payment Amount is $1,166.25, and the Payment at Maturity would be $1,166.25.</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: left; vertical-align: top">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding-right: 5.4pt; padding-left: 5.4pt">
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify; ">On a $1,000 investment, a 50.00%
        Percentage Change results in a Payment at Maturity of $1,166.25, a 16.625% return on the Notes.</P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 6pt; text-align: justify; ">In addition to limiting your
        return on the Notes, the Maximum Payment Amount limits the positive effect of the Leverage Factor. If the Final Level is greater
        than the Initial Level, you will participate in the performance of the Reference Asset at a rate of 125.00% up to a certain point.
        However, the effect of the Leverage Factor will be progressively reduced for Final Levels that are greater than 113.30% of the
        Initial Level (based on the Maximum Payment Amount of 116.625% or $1,166.25 per $1,000 principal amount of the Notes) since your
        return on the Notes for any Final Level greater than 113.30% of the Initial Level will be limited to the Maximum Payment Amount.</P>
        </TD></TR>
</TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 6pt 0 0; text-align: justify">&nbsp;</P>



<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Cambria, Times, Serif; width: 95%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: left; vertical-align: top">
 <FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif; ">Example 3&mdash;</FONT></TD>
    <TD COLSPAN="6" STYLE="padding-right: 5.4pt; padding-bottom: 6pt; padding-left: 5.4pt; text-align: justify"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif; ">Calculation of the Payment at Maturity where the Percentage Change is negative (but the Final Level is above or equal to the Buffer Level).</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: left; vertical-align: top">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-bottom: 6pt; padding-left: 5.4pt; text-align: justify"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif; ">Percentage Change:</FONT></TD>
    <TD COLSPAN="5" STYLE="padding-right: 5.4pt; padding-bottom: 6pt; padding-left: 5.4pt; text-align: justify"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif; ">-8.00%</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: left; vertical-align: top">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-bottom: 6pt; padding-left: 5.4pt; text-align: justify"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif; ">Payment at Maturity:</FONT></TD>
    <TD COLSPAN="5" STYLE="padding-right: 5.4pt; padding-bottom: 6pt; padding-left: 5.4pt; text-align: justify"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif; ">At maturity, if the Percentage Change is negative BUT not by more than the Buffer Percentage, then the Payment at Maturity will equal the principal amount.</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: left; vertical-align: top">&nbsp;</TD>
    <TD COLSPAN="6" STYLE="padding-right: 5.4pt; padding-bottom: 10pt; padding-left: 5.4pt"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif; ">On a $1,000 investment, a -8.00% Percentage Change results in a Payment at Maturity of $1,000.00, a 0.00% return on the Notes.</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: left; vertical-align: top">
 <FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif; ">Example 4&mdash;</FONT></TD>
    <TD COLSPAN="6" STYLE="padding-right: 5.4pt; padding-bottom: 10pt; padding-left: 5.4pt"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif; ">Calculation of the Payment at Maturity where the Percentage Change is negative (and the Final Level is below the Buffer Level).</FONT><BR CLEAR="ALL">
</TD></TR>
<TR>
    <TD STYLE="vertical-align: top; text-align: left">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="vertical-align: top; padding-right: 5.4pt; padding-bottom: 10pt; padding-left: 5.4pt"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif; ">Percentage Change:</FONT></TD>
    <TD STYLE="vertical-align: top; padding-right: 5.4pt; padding-bottom: 10pt; padding-left: 5.4pt"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif; ">-35.00%</FONT></TD>
    <TD COLSPAN="2" STYLE="padding-bottom: 10pt; font-size: 12pt">&nbsp;</TD></TR>
<TR>
    <TD STYLE="vertical-align: top; text-align: left"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="vertical-align: top; padding-right: 5.4pt; padding-bottom: 10pt; padding-left: 5.4pt"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif; ">Payment at Maturity:</FONT></TD>
    <TD COLSPAN="3" STYLE="vertical-align: top; padding-right: 5.4pt; padding-bottom: 10pt; padding-left: 5.4pt"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif; ">$1,000 + [$1,000 x 117.65% x (-35.00% + 15.00%)] = $1,000 &ndash; $235.29 = $764.71</FONT></TD>
    <TD STYLE="padding-bottom: 10pt; font-size: 12pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: left; vertical-align: top"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="6" STYLE="padding-right: 5.4pt; padding-bottom: 10pt; padding-left: 5.4pt"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif; ">On a $1,000 investment, a -35.00% Percentage Change results in a Payment at Maturity of $764.71, a -23.529% return on the Notes.</FONT></TD></TR>
<TR>
    <TD STYLE="width: 70.6pt; vertical-align: top; text-align: left">&nbsp;</TD>
    <TD STYLE="width: 111.9pt">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="width: 219.4pt">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
</TABLE>

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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 10pt; text-align: justify">The following chart shows a graphical
illustration of the hypothetical Payment at Maturity that we would pay on your Notes on the Maturity Date if the Final Level were
any of the hypothetical levels shown on the horizontal axis. The hypothetical Payments at Maturity in the chart are expressed as
percentages of the principal amount of your Notes and the hypothetical Final Levels are expressed as percentages of the Initial
Level. The chart shows that any hypothetical Final Level of less than 85.00% (the section left of the 85.00% marker on the horizontal
axis) would result in a hypothetical Payment at Maturity of less than 100.00% of the principal amount of your Notes (the section
below the 100.00% marker on the vertical axis) and, accordingly, in a loss of principal to the holder of the Notes. The chart also
shows that any hypothetical Final Level of greater than or equal to 113.30% (the section right of the 113.30% marker on the horizontal
axis) would result in a capped return on your investment.</P>

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

<P STYLE="font: 12pt Cambria, Times, Serif; margin: 0 0 10pt; text-align: center"><IMG SRC="image_004.jpg" ALT="" STYLE="width: 600px"></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 10pt; text-align: justify">The Payments at Maturity shown above
are entirely hypothetical; they are based on levels of the Reference Asset that may not be achieved on the Valuation Date and on
assumptions that may prove to be erroneous. The actual market value of your Notes on the Maturity Date or at any other time, including
any time you may wish to sell your Notes, may bear little relation to the hypothetical Payment at Maturity shown above, and these
amounts should not be viewed as an indication of the financial return on an investment in the offered Notes. The hypothetical Payment
at Maturity on the Notes in the examples above assume you purchased your Notes at their principal amount and have not been adjusted
to reflect the actual public offering price you pay for your Notes. The return on your investment (whether positive or negative)
in your Notes will be affected by the amount you pay for your Notes. If you purchase your Notes for a price other than the principal
amount, the return on your investment will differ from, and may be significantly lower than, the hypothetical returns suggested
by the above examples. Please read &ldquo;Additional Risk Factors Specific to the Notes&mdash;The Market Value of Your Notes May
Be Influenced by Many Unpredictable Factors&rdquo; beginning on page PS-5 of the accompanying product prospectus supplement.</P>


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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 12pt; text-transform: uppercase; text-align: justify"><FONT STYLE="font-weight: normal; text-transform: none">Payments
on the Notes are economically equivalent to the amounts that would be paid on a combination of other instruments. For example,
payments on the Notes are economically equivalent to a combination of a non-interest-bearing bond bought by the holder and one
or more options entered into between the holder and us (with one or more implicit option premiums paid over time). The discussion
in this paragraph does not modify or affect the terms of the Notes or the U.S. federal income tax treatment of the Notes, as described
elsewhere in this pricing supplement.</FONT></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Cambria, Times, Serif; width: 100%; border-collapse: collapse; border: Black 1pt solid">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 100%; padding: 5pt 4.5pt 5pt 0.5pt; text-align: justify; font-family: Arial, Helvetica, Sans-Serif"><I>We cannot predict the actual Final Level or what the market value of your Notes will be on any particular Trading Day, nor can we predict the relationship between the level</I> <I>of the Reference Asset</I> <I>and the market value of your Notes at any time prior to the Maturity Date. The actual amount that you will receive, if any, at maturity and the rate of return on the offered Notes will depend on the actual Final Level which will be determined by the Calculation Agent as described above. Moreover, the assumptions on which the hypothetical returns are based may turn out to be inaccurate. Consequently, the amount of cash to be paid in respect of your Notes, if any, on the Maturity Date may be very different from the information reflected in the table and chart above.</I></TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt">&nbsp;</P>


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<P STYLE="font: bold 16pt Arial, Helvetica, Sans-Serif; margin: 0 0 12pt; text-transform: uppercase; text-align: justify; color: #00B050">Information
Regarding the Reference Asset</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 9pt 0 0; text-align: justify"><B>S&amp;P 500<SUP>&reg;</SUP> Index</B></P>

<P STYLE="font: 10pt Cambria, Times, Serif; margin: 0 0 6pt; text-align: justify"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">All
disclosures contained in this pricing supplement regarding the Reference Asset, including, without limitation, its make-up, method
of calculation, and changes in its components, have been derived from publicly available sources. The information reflects the
policies of, and is subject to change by, S&amp;P Dow Jones Indices LLC, a division of The McGraw-Hill Companies, Inc. (&ldquo;S&amp;P&rdquo;).
S&amp;P, which owns the copyright and all other rights to the Reference Asset, has no obligation to continue to publish, and may
discontinue publication of, the Reference Asset. The consequences of S&amp;P discontinuing publication of the Reference Asset are
discussed in the section of the product prospectus supplement entitled &ldquo;General Terms of the Notes&mdash;Unavailability of
the Level of the Reference Asset.&rdquo; Additional information regarding the Reference Asset is available on the following website:</FONT>
<FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">http://us.spindices.com/indices/equity/sp-500. We are not incorporating
by reference the website or any other material it includes in this pricing supplement.</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 6pt; text-align: justify">The Reference Asset is intended to provide
an indication of the pattern of common stock price movement. The calculation of the level of the Reference Asset is based on the
relative value of the aggregate market value of the common stocks of 500 companies as of a particular time compared to the aggregate
average market value of the common stocks of 500 similar companies during the base period of the years 1941 through 1943.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 6pt; text-align: justify">S&amp;P chooses companies for inclusion
in the Reference Asset with the aim of achieving a distribution by broad industry groupings that approximates the distribution
of these groupings in the common stock population of its Stock Guide Database of over 10,000 companies, which S&amp;P uses as an
assumed model for the composition of the total market. Relevant criteria employed by S&amp;P include the viability of the particular
company, the extent to which that company represents the industry group to which it is assigned, the extent to which the market
price of that company&rsquo;s common stock generally is responsive to changes in the affairs of the respective industry, and the
market value and trading activity of the common stock of that company. Certain types of securities are always excluded, such as
business development companies (BDCs), limited partnerships, master limited partnerships, OTC bulletin board issues, closed-end
funds, exchange traded funds (&ldquo;ETFs&rdquo;), ETNs, royalty trusts, etc. Companies that experience a trading halt may be retained
or deleted in S&amp;P&rsquo;s discretion. S&amp;P from time to time, in its sole discretion, may add companies to, or delete companies
from, the Reference Asset to achieve the objectives stated above.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 6pt; text-align: justify">S&amp;P calculates the Reference Asset
by reference to the prices of the constituent stocks of the Reference Asset without taking account of the value of dividends paid
on those stocks. As a result, the return on the Notes will not reflect the return you would realize if you actually owned the Reference
Asset constituent stocks and received the dividends paid on those stocks.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 6pt; text-align: justify">Effective with the September 2015 rebalance,
consolidated share class lines are no longer included in the Reference Asset. Each share class line is subject to public float
and liquidity criteria individually, but a company&rsquo;s total market capitalization is used to evaluate each share class line.
This may result in one listed share class line of a company being included in the Reference Asset while a second listed share class
line of the same company is excluded.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 6pt; text-align: justify">As of April 29, 2016, the 500 companies
included in the Reference Asset were divided into ten Global Industry Classification Sectors. The Global Industry Classification
Sectors include (with the approximate percentage currently included in such sectors indicated in parentheses): Information Technology
(19.7%); Financials (16.1%); Health Care (14.6%); Consumer Discretionary (13.0%); Industrials (10.2%); Consumer Staples (10.2%);
Energy (7.3%); Utilities (3.3%); Materials (3.0%); and Telecommunication Services (2.7%). Sector designations are determined by
the S&amp;P using criteria it has selected or developed. Different index sponsors may use very different standards for determining
sector designations. In addition, many companies operate in a number of sectors, but are listed in only one sector and the basis
on which that sector is selected may also differ. As a result, sector comparisons between indices with different index sponsors
may reflect differences in methodology as well as actual differences in the sector composition of the indices.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 6pt; text-align: justify"><B>Computation of the Reference Asset</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 6pt; text-align: justify">While S&amp;P currently employs the following
methodology to calculate the Reference Asset, no assurance can be given that S&amp;P will not modify or change this methodology
in a manner that may affect the Payment at Maturity.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 6pt; text-align: justify">Historically, the market value of any
component stock of the Reference Asset was calculated as the product of the market price per share and the number of then outstanding
shares of such component stock. In March 2005, S&amp;P began shifting the Reference Asset halfway from a market capitalization
weighted formula to a float-adjusted formula, before moving the Reference Asset to full float adjustment on September 16, 2005.
S&amp;P&rsquo;s criteria for selecting stocks for the Reference Asset did not change with the shift to float adjustment. However,
the adjustment affects each company&rsquo;s weight in the Reference Asset.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 6pt; text-align: justify">Under float adjustment, the share counts
used in calculating the Reference Asset reflect only those shares that are available to investors, not all of a company&rsquo;s
outstanding shares. Float adjustment excludes shares that are closely held by control groups, other publicly traded companies or
government agencies.</P>


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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 6pt; text-align: justify">In September 2012, all shareholdings representing
more than 5% of a stock&rsquo;s outstanding shares, other than holdings by &ldquo;block owners,&rdquo; were removed from the float
for purposes of calculating the Reference Asset. Generally, these &ldquo;control holders&rdquo; will include officers and directors,
private equity, venture capital and special equity firms, other publicly traded companies that hold shares for control, strategic
partners, holders of restricted shares, ESOPs, employee and family trusts, foundations associated with the company, holders of
unlisted share classes of stock, government entities at all levels (other than government retirement/pension funds) and any individual
person who controls a 5% or greater stake in a company as reported in regulatory filings. However, holdings by block owners, such
as depositary banks, pension funds, mutual funds and ETF providers, 401(k) plans of the company, government retirement/pension
funds, investment funds of insurance companies, asset managers and investment funds, independent foundations and savings and investment
plans, will ordinarily be considered part of the float.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 6pt; text-align: justify">Treasury stock, stock options, restricted
shares, equity participation units, warrants, preferred stock, convertible stock, and rights are not part of the float. Shares
held in a trust to allow investors in countries outside the country of domicile, such as depositary shares and Canadian exchangeable
shares are normally part of the float unless those shares form a control block. If a company has multiple classes of stock outstanding,
shares in an unlisted or non-traded class are treated as a control block.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 6pt; text-align: justify">For each stock, an investable weight factor
(&ldquo;IWF&rdquo;) is calculated by dividing the available float shares by the total shares outstanding. As of September 21, 2012,
available float shares are defined as the total shares outstanding less shares held by control holders. This calculation is subject
to a 5% minimum threshold for control blocks. For example, if a company&rsquo;s officers and directors hold 3% of the company&rsquo;s
shares, and no other control group holds 5% of the company&rsquo;s shares, S&amp;P would assign that company an IWF of 1.00, as
no control group meets the 5% threshold. However, if a company&rsquo;s officers and directors hold 3% of the company&rsquo;s shares
and another control group holds 20% of the company&rsquo;s shares, S&amp;P would assign an IWF of 0.77, reflecting the fact that
23% of the company&rsquo;s outstanding shares are considered to be held for control. For companies with multiple classes of stock,
S&amp;P calculates the weighted average IWF for each stock using the proportion of the total company market capitalization of each
share class as weights.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 6pt; text-align: justify">The Reference Asset is calculated using
a base-weighted aggregate methodology. The level of the Reference Asset reflects the total market value of all 500 component stocks
relative to the base period of the years 1941 through 1943. An indexed number is used to represent the results of this calculation
in order to make the level easier to use and track over time. The actual total market value of the component stocks during the
base period of the years 1941 through 1943 has been set to an indexed level of 10. This is often indicated by the notation 1941-43
= 10. In practice, the daily calculation of the Reference Asset is computed by dividing the total market value of the component
stocks by the &ldquo;index divisor.&rdquo; By itself, the index divisor is an arbitrary number. However, in the context of the
calculation of the Reference Asset, it serves as a link to the original base period level of the Reference Asset. The index divisor
keeps the Reference Asset comparable over time and is the manipulation point for all adjustments to the Reference Asset, which
is index maintenance.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 6pt; text-align: justify"><B>Index Maintenance</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 6pt; text-align: justify">In order to keep the Reference Asset comparable
over time, S&amp;P engages in an index maintenance process. The index maintenance process involves changing the constituents as
discussed above, and also involves maintaining quality assurance processes and procedures, adjusting the number of shares used
to calculate the Reference Asset, monitoring and completing the adjustments for company additions and deletions, adjusting for
stock splits and stock dividends and adjusting for other corporate actions. In addition to its daily governance of indices and
maintenance of the index methodology, at least once within any 12 month period, the S&amp;P Index Committee reviews the index methodology
to ensure the Reference Asset continues to achieve the stated objective, and that the data and methodology remain effective. The
S&amp;P Index Committee may at times consult with investors, market participants, security issuers included in or potentially included
in the Reference Asset, or investment and financial experts.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 5pt 0; text-align: justify">To prevent the level of the Reference Asset
from changing due to corporate actions, all corporate actions which affect the total market value of the Reference Asset require
an index divisor adjustment. By adjusting the index divisor for the change in total market value, the level of the Reference Asset
remains constant. This helps maintain the level of the Reference Asset as an accurate barometer of stock market performance and
ensures that the movement of the Reference Asset does not reflect the corporate actions of individual companies in the Reference
Asset. All index divisor adjustments are made after the close of trading and after the calculation of the closing level of the
Reference Asset. Some corporate actions, such as stock splits and stock dividends, require simple changes in the common shares
outstanding and the stock prices of the companies in the Reference Asset and do not require index divisor adjustments.</P>


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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 5pt 0; text-align: justify">The table below summarizes the types of
index maintenance adjustments and indicates whether or not an index divisor adjustment is required:</P>

<TABLE ALIGN="CENTER" CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Cambria, Times, Serif; width: 91%">
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-bottom: black 1pt solid; font-family: Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B>Type of Corporate Action</B></FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; font-family: Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B>Adjustment Factor</B></FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid">
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><B>Divisor&nbsp;Adjustment</B></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><B>Required</B></P></TD></TR>
<TR>
    <TD STYLE="vertical-align: top">
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">Stock Split</P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">(<I>i.e</I>., 2-for-1)</P></TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: top"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">Shares outstanding multiplied by 2; Stock price divided by 2</FONT></TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: center"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">No</FONT></TD></TR>
<TR>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD></TR>
<TR>
    <TD STYLE="vertical-align: top">
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">Share Issuance</P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">(<I>i.e</I>., change &#8805; 5%)</P></TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: top"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">Shares outstanding plus newly issued shares</FONT></TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: center"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">Yes</FONT></TD></TR>
<TR>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD></TR>
<TR>
    <TD STYLE="vertical-align: top">
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">Share Repurchase</P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">(<I>i.e</I>., change &#8805; 5%)</P></TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: top"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">Shares outstanding minus repurchased shares</FONT></TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: center"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">Yes</FONT></TD></TR>
<TR>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD></TR>
<TR>
    <TD STYLE="vertical-align: top"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">Special Cash Dividends</FONT></TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: top"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">Share price minus special dividend</FONT></TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: center"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">Yes</FONT></TD></TR>
<TR>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD></TR>
<TR>
    <TD STYLE="vertical-align: top"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">Company Change</FONT></TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: top"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">Add new company market value minus old company market value</FONT></TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: center"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">Yes</FONT></TD></TR>
<TR>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD></TR>
<TR>
    <TD STYLE="vertical-align: top"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">Rights Offering</FONT></TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: top">
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">Price of parent company minus</P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; text-align: left; margin-bottom: 0; padding-left: 25pt"><U>price of rights offering</U></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; text-align: left; margin-bottom: 0; padding-left: 45pt">rights ratio</P></TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: center"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">Yes</FONT></TD></TR>
<TR>
    <TD STYLE="vertical-align: top"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">Spin-Off</FONT></TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: top">
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: left">Price of parent company minus</P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; text-align: left; margin-bottom: 0; padding-left: 25pt"><U>price of spin-off co.</U></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; text-align: left; margin-bottom: 0; margin-left: 20pt">share exchange ratio</P></TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: center"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">Yes</FONT></TD></TR>
</TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 5pt 0; text-align: left">Stock splits and stock dividends do not
affect the index divisor of the Reference Asset, because following a split or dividend both the stock price and number of shares
outstanding are adjusted by S&amp;P so that there is no change in the market value of the component stocks. All stock split and
dividend adjustments are made after the close of trading on the day before the ex-date.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 5pt 0; text-align: justify">Each of the corporate events exemplified
in the table requiring an adjustment to the index divisor has the effect of altering the market value of the component stocks and
consequently of altering the aggregate market value of the component stocks, which we refer to as the post-event aggregate market
value. In order that the level of the Reference Asset, which we refer to as the pre-event index value, not be affected by the altered
market value (whether increase or decrease) of the affected component stocks, a new index divisor, which we refer to as the new
index divisor, is derived as follows:</P>

<TABLE ALIGN="CENTER" CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Cambria, Times, Serif; width: 64%; margin-left: 47.9pt">
<TR>
    <TD NOWRAP STYLE="vertical-align: top; width: 51.24%; padding-top: 2pt; text-decoration: underline; text-align: justify"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif"><U>post-event&nbsp;aggregate&nbsp;market&nbsp;value</U></FONT></TD>
    <TD STYLE="vertical-align: bottom; padding-top: 2pt; padding-bottom: 2pt; text-align: justify">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; padding-top: 2pt; padding-bottom: 2pt; text-align: justify"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">=</FONT></TD>
    <TD STYLE="vertical-align: bottom; padding-top: 2pt; padding-bottom: 2pt; text-align: justify">&nbsp;</TD>
    <TD STYLE="vertical-align: top; width: 43.12%; padding-top: 2pt; padding-bottom: 2pt; text-align: justify"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">pre-event index value</FONT></TD></TR>
<TR>
    <TD STYLE="vertical-align: top; padding-bottom: 2pt; text-align: justify"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;new index divisor</FONT></TD>
    <TD STYLE="vertical-align: bottom; padding-top: 2pt; padding-bottom: 2pt; text-align: justify">&nbsp;</TD>
    <TD STYLE="vertical-align: top; padding-top: 2pt; padding-bottom: 2pt; text-align: justify">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; padding-top: 2pt; padding-bottom: 2pt; text-align: justify">&nbsp;</TD>
    <TD STYLE="vertical-align: top; padding-top: 2pt; padding-bottom: 2pt; text-align: justify">&nbsp;</TD></TR>
<TR>
    <TD STYLE="padding-top: 2pt; padding-bottom: 2pt; text-align: justify">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding-top: 2pt; padding-bottom: 2pt; text-align: justify">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding-top: 2pt; padding-bottom: 2pt; text-align: justify">&nbsp;</TD></TR>
<TR>
    <TD STYLE="vertical-align: top; padding-top: 2pt; padding-bottom: 2pt; text-align: center"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">new index divisor</FONT></TD>
    <TD STYLE="vertical-align: bottom; padding-top: 2pt; padding-bottom: 2pt; text-align: justify">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; padding-top: 2pt; padding-bottom: 2pt; text-align: justify"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">=</FONT></TD>
    <TD STYLE="vertical-align: bottom; padding-top: 2pt; padding-bottom: 2pt; text-align: justify">&nbsp;</TD>
    <TD STYLE="vertical-align: top; padding-top: 2pt; text-decoration: underline; text-align: justify"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif"><U>post-event market value</U></FONT></TD></TR>
<TR>
    <TD STYLE="vertical-align: top; padding-top: 2pt; padding-bottom: 2pt; text-align: justify">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; padding-top: 2pt; padding-bottom: 2pt; text-align: justify">&nbsp;</TD>
    <TD STYLE="vertical-align: top; padding-top: 2pt; padding-bottom: 2pt; text-align: justify">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; padding-top: 2pt; padding-bottom: 2pt; text-align: justify">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">pre-event index value</FONT></TD></TR>
</TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 6pt; text-align: justify">Changes in a company&rsquo;s shares outstanding
of 5.00% or more due to mergers, acquisitions, public offerings, tender offers, Dutch auctions, or exchange offers are made as
soon as reasonably possible. All other changes of 5.00% or more (due to, for example, company stock repurchases, private placements,
redemptions, exercise of options, warrants, conversion of preferred stock, notes, debt, equity participation units, at the market
offerings, or other recapitalizations) are made weekly and are announced on Fridays for implementation after the close of trading
on the following Friday. Changes of less than 5.00% due to a company&rsquo;s acquisition of another company in the Reference Asset
are made as soon as reasonably possible. All other changes of less than 5.00% are accumulated and made quarterly on the third Friday
of March, June, September, and December, and are usually announced two to five days prior.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 6pt; text-align: justify">Changes in IWFs of more than five percentage
points caused by corporate actions (such as merger and acquisition activity, restructurings, or spinoffs) will be made as soon
as reasonably possible. Other changes in IWFs will be made annually when IWFs are reviewed.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 6pt; text-align: justify"><B>Recalculation Policy </B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 6pt; text-align: justify">S&amp;P reserves the right to recalculate
and republish the Reference Asset under certain limited circumstances. S&amp;P may recalculate and republish the Reference Asset
if it determines that the Reference Asset incorrect or inconsistent within two trading days of the publication of the index level
because of an incorrect or revised closing price, missed corporate event, late announcement of a corporate event, incorrect application
of corporate action or index methodology or for such</P>


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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 6pt; text-align: justify">other extraordinary circumstances that the S&amp;P Index Committee determines
is necessary to reduce or avoid a possible market impact or disruption.</p>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 6pt; text-align: justify"><B>Calculations and Pricing Disruptions
</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 6pt; text-align: justify">Closing levels for the Reference Asset
are calculated by S&amp;P based on the closing price of the individual constituents of the index as set by their primary exchange.
Closing prices are received by S&amp;P from one of its third party vendors and verified by comparing them with prices from an alternative
vendor. The vendors receive the closing price from the primary exchanges. Real-time intraday prices are calculated similarly without
a second verification. If there is a failure or interruption on one or more exchanges, real time calculations switch to the &ldquo;Composite
Tape&rdquo; for all securities listed on the affected exchange and an announcement is published on the S&amp;P Dow Jones Indices
Web site at www.spdji.com. If the interruption is not resolved before the market close and the exchange(s) in question publishes
a list of closing prices, those prices are used. If no list is published, the last trade as of 4 p.m. Eastern Time on the &ldquo;Composite
Tape&rdquo; is used (or the previous close adjusted for corporate actions if no intraday trades were reported). A notice is published
on the S&amp;P Web site at www.spdji.com indicating any changes to the prices used in Reference Asset calculations. In extreme
circumstances, S&amp;P may decide to delay index adjustments or not publish the Reference Asset. Real-time indices are not restated.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 6pt; text-align: justify"><B>Unscheduled Market Closures </B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 6pt; text-align: justify">In situations where an exchange is forced
to close early due to unforeseen events, such as computer or electric power failures, weather conditions or other events, S&amp;P
will calculate the closing price of the Reference Asset based on (1) the closing prices published by the exchange, or (2) if no
closing price is available, the last regular trade reported for each stock before the exchange closed. If the exchange fails to
open due to unforeseen circumstances, S&amp;P treats this closure as a standard market holiday. The Reference Asset will use the
prior day&rsquo;s closing prices and shifts any corporate actions to the following business day. If all exchanges fail to open
or in other extreme circumstances, S&amp;P may determine not to publish the Reference Asset for that day.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 6pt; text-align: justify"><B>License Agreement</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 6pt; text-align: justify">S&amp;P<SUP>&reg;</SUP> is a registered
trademark of Standard &amp; Poor&rsquo;s Financial Services LLC and Dow Jones<SUP>&reg;</SUP> is a registered trademark of Dow
Jones Trademark Holdings LLC (&ldquo;Dow Jones&rdquo;). These trademarks have been licensed for use by S&amp;P. &ldquo;Standard
&amp; Poor&rsquo;s<SUP>&reg;</SUP>,&rdquo; &ldquo;S&amp;P 500<SUP>&reg;</SUP>&rdquo; and &ldquo;S&amp;P<SUP>&reg;</SUP>&rdquo;
are trademarks of Standard &amp; Poor&rsquo;s Financial Services LLC. These trademarks have been sublicensed for certain purposes
by us. The Reference Asset is a product of S&amp;P and/or its affiliates and has been licensed for use by us.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 6pt; text-align: justify">The Notes are not sponsored, endorsed,
sold or promoted by S&amp;P, Standard &amp; Poor&rsquo;s Financial Services LLC or any of their respective affiliates (collectively,
&ldquo;S&amp;P Dow Jones Indices&rdquo;). S&amp;P Dow Jones Indices make no representation or warranty, express or implied, to
the holders of the Notes or any member of the public regarding the advisability of investing in securities generally or in the
Notes particularly or the ability of the Reference Asset to track general market performance. S&amp;P Dow Jones Indices&rsquo;
only relationship to us with respect to the Reference Asset is the licensing of the Reference Asset and certain trademarks, service
marks and/or trade names of S&amp;P Dow Jones Indices and/or its third party licensors. The Reference Asset is determined, composed
and calculated by S&amp;P Dow Jones Indices without regard to us or the Notes. S&amp;P Dow Jones Indices have no obligation to
take our needs or the needs of holders of the Notes into consideration in determining, composing or calculating the Reference Asset.
S&amp;P Dow Jones Indices are not responsible for and have not participated in the determination of the prices, and amount of the
Notes or the timing of the issuance or sale of the Notes or in the determination or calculation of the equation by which the Notes
are to be converted into cash. S&amp;P Dow Jones Indices have no obligation or liability in connection with the administration,
marketing or trading of the Notes. There is no assurance that investment products based on the Reference Asset will accurately
track index performance or provide positive investment returns. S&amp;P and its subsidiaries are not investment advisors. Inclusion
of a security or futures contract within an index is not a recommendation by S&amp;P Dow Jones Indices to buy, sell, or hold such
security or futures contract, nor is it considered to be investment advice. Notwithstanding the foregoing, CME Group Inc. and its
affiliates may independently issue and/or sponsor financial products unrelated to the Notes currently being issued by us, but which
may be similar to and competitive with the Notes. In addition, CME Group Inc. and its affiliates may trade financial products which
are linked to the performance of the Reference Asset. It is possible that this trading activity will affect the value of the Notes.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 6pt 0 0; text-align: justify">S&amp;P DOW JONES INDICES DO NOT GUARANTEE
THE ADEQUACY, ACCURACY, TIMELINESS AND/OR THE COMPLETENESS OF THE REFERENCE ASSET OR ANY DATA RELATED THERETO OR ANY COMMUNICATION,
INCLUDING BUT NOT LIMITED TO, ORAL OR WRITTEN COMMUNICATION (INCLUDING ELECTRONIC COMMUNICATIONS) WITH RESPECT THERETO. S&amp;P
DOW JONES INDICES SHALL NOT BE SUBJECT TO ANY DAMAGES OR LIABILITY FOR ANY ERRORS, OMISSIONS, OR DELAYS THEREIN. S&amp;P DOW JONES
INDICES MAKE NO EXPRESS OR IMPLIED WARRANTIES, AND EXPRESSLY DISCLAIMS ALL WARRANTIES, OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR
PURPOSE OR USE OR AS TO RESULTS TO BE OBTAINED BY US, HOLDERS OF THE NOTES, OR ANY OTHER PERSON OR ENTITY FROM THE USE OF THE REFERENCE </P>


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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 6pt 0 0; text-align: justify">ASSET OR WITH RESPECT TO ANY DATA RELATED THERETO. WITHOUT LIMITING ANY OF THE FOREGOING, IN NO EVENT WHATSOEVER SHALL S&amp;P
DOW JONES INDICES BE LIABLE FOR ANY INDIRECT, SPECIAL, INCIDENTAL, PUNITIVE, OR CONSEQUENTIAL DAMAGES INCLUDING BUT NOT LIMITED
TO, LOSS OF PROFITS, TRADING LOSSES, LOST TIME OR GOODWILL,
EVEN IF THEY HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, WHETHER IN CONTRACT, TORT, STRICT LIABILITY, OR OTHERWISE. THERE
ARE NO THIRD PARTY BENEFICIARIES OF ANY AGREEMENTS OR ARRANGEMENTS BETWEEN S&amp;P DOW JONES INDICES AND US, OTHER THAN THE LICENSORS
OF S&amp;P DOW JONES INDICES.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 6pt 0 0; text-align: justify"><B>Historical Information</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 6pt 0 0; text-align: justify">The graph below shows the daily historical
Closing Levels of the Reference Asset from January 2, 2006 through May 17, 2016.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 6pt 0 0; text-align: justify">We obtained the information regarding
the historical performance of the Reference Asset in the chart below from Bloomberg.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 6pt 0 0; text-align: justify">We have not independently verified the
accuracy or completeness of the information obtained from Bloomberg. The historical performance of the Reference Asset should not
be taken as an indication of its future performance, and no assurance can be given as to the Final Level of the Reference Asset.
We cannot give you assurance that the performance of the Reference Asset will result in any positive return on your initial investment.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 6pt 0 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 12pt Cambria, Times, Serif; margin: 6pt 0 0; text-align: center"><IMG SRC="image_003.jpg" ALT="" STYLE="width: 500px"></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 6pt 0 0; text-align: center"><I>PAST PERFORMANCE IS NOT INDICATIVE OF
FUTURE RESULTS.</I></P>


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<P STYLE="font: 16pt Arial, Helvetica, Sans-Serif; margin: 6pt 0 0; color: #00B050">Supplemental Discussion of U.S. Federal Income
Tax Consequences</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 10pt"><I>General.</I> The following is a general description of
certain U.S. federal tax considerations relating to the Notes. Prospective purchasers of the Notes should consult their tax advisors
as to the consequences under the tax laws of the country of which they are a resident for tax purposes and the tax laws of the
U.S. of acquiring, holding and disposing of the Notes and receiving payments under the Notes. This summary is based upon the law
as in effect on the date of this pricing supplement and is subject to any change in law that may take effect after such date. This
discussion replaces the U.S. federal income tax discussions in the accompanying product prospectus supplement and accompanying
prospectus.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 10pt 0">This discussion applies to you only if you are the original
investor in the Notes and you hold your Notes as capital assets for U.S. federal income tax purposes. This section does not apply
to you if you are a member of a class of holders subject to special rules, such as:</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 12pt Cambria, Times, Serif; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">a dealer in securities or currencies,</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 12pt Cambria, Times, Serif; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">a trader in securities that elects to use a mark-to-market method of
accounting for your securities holdings,</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 12pt Cambria, Times, Serif; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">a financial institution or a bank,</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 12pt Cambria, Times, Serif; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">a regulated investment company or a real estate investment trust or a
common trust fund,</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 12pt Cambria, Times, Serif; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">a life insurance company,</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 12pt Cambria, Times, Serif; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">a tax-exempt organization or an investor holding the Notes in a tax-advantaged
account (such as an &ldquo;Individual Retirement Account&rdquo; or &ldquo;Roth IRA&rdquo;),</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 12pt Cambria, Times, Serif; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">a person that owns Notes as part of a straddle or a hedging or conversion
transaction, or who has entered into a &ldquo;constructive sale&rdquo; with respect to a note for tax purposes, or</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 12pt Cambria, Times, Serif; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">a U.S. holder (as defined below) whose functional currency for tax purposes
is not the U.S. dollar.</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 10pt 0">This discussion is based on the Internal Revenue Code of 1986,
as amended (the &ldquo;Code&rdquo;), its legislative history, existing and proposed regulations under the Code, published rulings
and court decisions, all as currently in effect on the date of this pricing supplement. These laws are subject to change, possibly
on a retroactive basis.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 10pt 0">This discussion, other than the section entitled &ldquo;Non-U.S.
Holders&rdquo; below, is applicable to you only if you are a U.S. holder. You are a U.S. holder if you are a beneficial owner of
a note and you are: (i) a citizen or resident of the U.S., (ii) a domestic corporation, (iii) an estate whose income is subject
to U.S. federal income tax regardless of its source, or (iv) a trust if a U.S. court can exercise primary supervision over the
trust&rsquo;s administration and one or more U.S. persons are authorized to control all substantial decisions of the trust.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 10pt 0">If a partnership holds the Notes, the U.S. federal income tax
treatment of a partner will generally depend on the status of the partner and the tax treatment of the partnership. A partner in
a partnership holding the Notes should consult its tax advisor with regard to the U.S. federal income tax treatment of an investment
in the Notes.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 10pt 0"><I>U.S. Tax Treatment.</I> No statutory, judicial or administrative
authority directly discusses how the Notes should be treated for U.S. federal income tax purposes. As a result, the U.S. federal
income tax consequences of your investment in the Notes are uncertain. Accordingly, we urge you to consult your tax advisor as
to the tax consequences of your investment in the Notes (and of having agreed to the required tax treatment of your Notes described
below) and as to the application of state, local or other tax laws to your investment in your Notes and the possible effects of
changes in federal or other tax laws.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 10pt 0">Pursuant to the terms of the Notes, the Bank and you agree,
in the absence of a statutory, regulatory, administrative or judicial ruling to the contrary, to characterize your Notes as pre-paid
derivative contracts with respect to the Reference Asset. If your Notes are so treated, you should generally recognize gain or
loss upon the sale, exchange, redemption or maturity of your Notes in an amount equal to the difference between the amount you
receive at such time and the amount you paid for your Notes. Such gain or loss should generally be long-term capital gain or loss
if you have held your Notes for more than one year (otherwise such gain or loss should be short-term capital gain or loss). The
deductibility of capital losses is subject to limitations.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 10pt 0">In the opinion of our counsel, Cadwalader, Wickersham &amp;
Taft LLP, it would be reasonable to treat your Notes in the manner described above. However, because there is no authority that
specifically addresses the tax treatment of the Notes, it is possible that your Notes could alternatively be treated for tax purposes
as a single contingent payment debt instrument, or pursuant to some other characterization, such that the timing and character
of your income from the Notes could differ materially from the treatment described above.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 10pt 0"><I>Possible Change in Law. </I>The Internal Revenue Service
(&ldquo;IRS&rdquo;) released a notice that may affect the taxation of holders of the Notes. According to Notice 2008-2, the IRS
and the Treasury Department are actively considering whether a holder of </P>


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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-right: 0; margin-bottom: 10pt; margin-left: 0">an instrument such as the Notes should be required to
accrue ordinary income on a current basis, and they are seeking taxpayer comments on the subject. It is not possible to determine
what guidance they will ultimately issue, if any. It is possible, however, that under such guidance, holders of the
Notes will ultimately be required to accrue income currently and this could be applied on a retroactive basis. The IRS and the
Treasury Department are also considering other relevant issues, including whether additional gain or loss from such instruments
should be treated as ordinary or capital, whether foreign holders of such instruments should be subject to withholding tax on any
deemed income accruals, and whether the special &ldquo;constructive ownership rules&rdquo; of Section 1260 of the Code should be
applied to such instruments.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 10pt 0">In 2007, legislation was introduced in Congress that, if it
had been enacted, would have required holders of Notes purchased after the bill was enacted to accrue interest income over the
term of the Notes despite the fact that there will be no interest payments over the term of the Notes. It is not possible to predict
whether a similar or identical bill will be enacted in the future, or whether any such bill would affect the tax treatment of your
Notes.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 10pt 0">Additionally, in 2013 the House Ways and Means Committee has
released in draft form certain proposed legislation relating to financial instruments. If enacted, the effect of this legislation
generally would be to require instruments such as the Notes to be marked to market on an annual basis with all gains and losses
to be treated as ordinary, subject to certain exceptions.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 10pt 0">It is impossible to predict what any such legislation or administrative
or regulatory guidance might provide, and whether the effective date of any such legislation or guidance will affect Notes that
were issued before the date that such legislation or guidance is issued. You are urged to consult your tax advisor as to the possibility
that any legislative or administrative action may adversely affect the tax treatment of your Notes.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 10pt 0"><I>Medicare Tax on Net Investment Income.</I> U.S. holders that
are individuals or estates and certain trusts are subject to an additional 3.8% tax on all or a portion of their &ldquo;net investment
income,&rdquo; or &ldquo;undistributed net investment income&rdquo; in the case of an estate or trust, which may include any income
or gain with respect to the Notes, to the extent of their net investment income or undistributed net investment income (as the
case may be) that, when added to their other modified adjusted gross income, exceeds $200,000 for an unmarried individual, $250,000
for a married taxpayer filing a joint return (or a surviving spouse), $125,000 for a married individual filing a separate return,
or the dollar amount at which the highest tax bracket begins for an estate or trust (which, in 2016, is $12,400). The 3.8% Medicare
tax is determined in a different manner than the regular income tax. U.S. holders should consult their advisors with respect to
the 3.8% Medicare tax.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 10pt 0"><I>Specified Foreign Financial Assets. </I>U.S. holders may
be subject to reporting obligations with respect to their Notes if they do not hold their Notes in an account maintained by a financial
institution and the aggregate value of their Notes and certain other &ldquo;specified foreign financial assets&rdquo; (applying
certain attribution rules) exceeds $50,000.&nbsp; Significant penalties can apply if a U.S. holder is required to disclose its
Notes and fails to do so.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 10pt 0"><I>Treasury Regulations Requiring Disclosure of Reportable Transactions.</I>
Treasury regulations require U.S. taxpayers to report certain transactions (&ldquo;Reportable Transactions&rdquo;) on IRS Form
8886. An investment in the Notes or a sale of the Notes should generally not be treated as a Reportable Transaction under current
law, but it is possible that future legislation, regulations or administrative rulings could cause your investment in the Notes
or a sale of the Notes to be treated as a Reportable Transaction. You should consult with your tax advisor regarding any tax filing
and reporting obligations that may apply in connection with acquiring, owning and disposing of Notes.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 6pt 0 10pt"><I>Backup Withholding and Information Reporting. </I>The
proceeds received from a sale, exchange, redemption or maturity of the Notes will be subject to information reporting unless you
are an &ldquo;exempt recipient&rdquo; and may also be subject to backup withholding at the rate specified in the Code if you fail
to provide certain identifying information (such as an accurate taxpayer number, if you are a U.S. holder) or meet certain other
conditions.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 10pt 0">Amounts withheld under the backup withholding rules are not
additional taxes and may be refunded or credited against your U.S. federal income tax liability, provided the required information
is furnished to the IRS.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 10pt 0"><I>Non-U.S. Holders.</I> This section applies only if you are
a non-U.S. holder. For these purposes, you are a non-U.S. holder if you are the beneficial owner of the Notes and are, for U.S.
federal income tax purposes, a non-resident alien individual, a foreign corporation, or an estate or trust that, in either case,
is not subject to U.S. federal income tax on a net income basis on income or gain from the Notes.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 10pt 0">If you are a non-U.S. holder, you should generally not be subject
to U.S. withholding tax with respect to payments on your Notes or to generally applicable information reporting and backup withholding
requirements with respect to payments on your Notes if you comply with certain certification and identification requirements as
to your foreign status including providing us (and/or the applicable withholding agent) a properly executed and fully completed
applicable IRS Form W-8. </P>


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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-right: 0; margin-bottom: 10pt; margin-left: 0">Gain from the sale, exchange, redemption or maturity of the Notes generally will not be subject to U.S. tax unless such gain is effectively connected with a trade or business conducted by you in the U.S. or unless you are a non-resident alien individual and are present in the U.S. for 183 days or more
during the taxable year of such sale, exchange, redemption or maturity and certain other conditions are satisfied.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 10pt 0"><I>Section 897.</I> We will not attempt to ascertain whether
the issuer of any Reference Asset Constituent would be treated as a &ldquo;United States real property holding corporation&rdquo;
(a &ldquo;USRPHC&rdquo;) within the meaning of Section 897 of the Code. We also have not attempted to determine whether the Notes
should be treated as &ldquo;United States real property interests&rdquo; as defined in Section 897 of the Code. If any such entity
and the Notes were so treated, certain adverse U.S. federal income tax consequences could possibly apply, including subjecting
any gain to a non-U.S. holder in respect of a Note upon a sale, exchange, redemption or maturity of the Note to the U.S. federal
income tax on a net basis, and the proceeds from such a taxable disposition to a 15% withholding tax. Non-U.S. holders should consult
their tax advisors regarding the potential treatment of the issuer of a Reference Asset Constituent as a USRPHC and the Notes as
United States real property interests.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 10pt 0">As discussed above, alternative characterizations of the Notes
for U.S. federal income tax purposes are possible. Should an alternative characterization of the Notes cause payments with respect
to the Notes to become subject to withholding tax, we will withhold tax at the applicable statutory rate and we will not make payments
of any additional amounts.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 10pt 0"><B>Both U.S. and non-U.S. holders should consult their tax advisors
regarding the U.S. federal income tax consequences of an investment in the Notes, as well as any tax consequences arising under
the laws of any state, local or non-U.S. taxing jurisdiction (including that of the Bank).</B></P>




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<P STYLE="font: 16pt Arial, Helvetica, Sans-Serif; margin-right: 0; margin-bottom: 0; margin-left: 0; color: #00B050; text-transform: uppercase"><FONT STYLE="font-weight: normal; text-transform: none">Supplemental
Plan of Distribution (Conflicts of Interest)</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 9pt 0 0; text-align: justify">We have appointed TDS, an affiliate of
TD, as the agent for the sale of the Notes. Pursuant to the terms of a distribution agreement, TDS will purchase the Notes from
TD at the public offering price less the underwriting discount set forth on the cover page of this pricing supplement for distribution
to GS&amp;Co., or will offer the Notes directly to investors. GS&amp;Co. and its affiliates will receive a discount of $15.50 per
$1,000 principal amount, comprised of $2.50 of fees and $13.00 of selling commission for Notes that it sells to investors. The
Issuer or an affiliate expects to enter into swap agreements or related hedge transactions with Goldman Sachs International and/or
its affiliates in connection with the sale of the Notes, and Goldman Sachs International and/or an affiliate may earn income as
a result of payments pursuant to the swap, or the related hedge transactions. TD will reimburse TDS for certain expenses in connection
with its role in the offer and sale of the Notes, and TD will pay TDS a fee in connection with its role in the offer and sale of
the Notes.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 9pt 0 0; text-align: justify">Delivery of the Notes will be made against
payment for the Notes on May 25, 2016, which is the fifth (5th) Business Day following the Pricing Date (this settlement cycle
being referred to as &ldquo;T+5&rdquo;). Under Rule 15c6-1 of the Securities Exchange Act of 1934, trades in the secondary market
generally are required to settle in three Business Days, unless the parties to any such trade expressly agree otherwise. Accordingly,
purchasers who wish to trade the Notes more than three Business Days prior to the Issue Date will be required to specify alternative
settlement arrangements to prevent a failed settlement.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 9pt 0 0; text-align: justify"><I>Conflicts of Interest.</I> TDS is an
affiliate of TD and, as such, has a &lsquo;&lsquo;conflict of interest&rsquo;&rsquo; in this offering within the meaning of Financial
Industry Regulatory Authority, Inc. (&ldquo;FINRA&rdquo;) Rule 5121. In addition, TD will receive the net proceeds from the initial
public offering of the Notes, thus creating an additional conflict of interest within the meaning of FINRA Rule 5121. Consequently,
the offering is being conducted in compliance with the provisions of FINRA Rule 5121. TDS is not permitted to sell Notes in this
offering to an account over which it exercises discretionary authority without the prior specific written approval of the account
holder.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 9pt 0 0; text-align: justify">We or GS&amp;Co., or any of our or their
respective affiliates, may use this pricing supplement in the initial sale of the Notes. In addition, we or GS&amp;Co. or any of
our or their respective affiliates may use this pricing supplement in a market-making transaction in a Note after its initial sale.
<B><I>If a purchaser buys the Notes from us or GS&amp;Co. or any of our or their respective affiliates, this pricing supplement
is being used in a market-making transaction unless we or GS&amp;Co. or any of our or their respective affiliates informs such
purchaser otherwise in the confirmation of sale.</I></B></P>


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<P STYLE="font: 16pt Arial, Helvetica, Sans-Serif; margin-right: 0; margin-bottom: 0; margin-left: 0; text-align: justify; color: #00B050">Validity of the Notes</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 9pt 0 0; text-align: justify">In the opinion of McCarthy T&eacute;trault
LLP, the issue and sale of the Notes has been duly authorized by all necessary corporate action on the part of TD, and when this
pricing supplement has been attached to, and duly notated on, the master note that represents the Notes, the Notes will have been
validly executed and issued and, to the extent validity of the Notes is a matter governed by the laws of the Province of Ontario,
or the laws of Canada applicable therein, will be valid obligations of TD, subject to the following limitations: (i) the enforceability
of the Indenture is subject to bankruptcy, insolvency, reorganization, arrangement, winding up, moratorium and other similar laws
of general application limiting the enforcement of creditors&rsquo; rights generally; (ii) the enforceability of the Indenture
is subject to general equitable principles, including the fact that the availability of equitable remedies, such as injunctive
relief and specific performance, is in the discretion of a court; (iii) courts in Canada are precluded from giving a judgment in
any currency other than the lawful money of Canada; and (iv) the enforceability of the indenture will be subject to the limitations
contained in the Limitations Act, 2002 (Ontario), and such counsel expresses no opinion as to whether a court may find any provision
of the indenture to be unenforceable as an attempt to vary or exclude a limitation period under that Act. This opinion is given
as of the date hereof and is limited to the laws of the Provinces of Ontario and the federal laws of Canada applicable thereto.
In addition, this opinion is subject to: (i) the assumption that the indenture has been duly authorized, executed and delivered
by, and constitutes a valid and legally binding obligation of, the trustee, enforceable against the trustee in accordance with
its terms; and (ii) customary assumptions about the genuineness of signatures and certain factual matters all as stated in the
letter of such counsel dated August 1, 2014, which has been filed as Exhibit 5.2 to TD&rsquo;s Form 6-K filed on August 1, 2014.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 9pt 0 0; text-align: justify">In the opinion of Cadwalader, Wickersham
&amp; Taft LLP, as special counsel to the issuer, when the Notes offered by this pricing supplement have been executed and issued
by the issuer and authenticated by the trustee pursuant to the indenture and delivered, paid for and sold as contemplated herein,
the Notes will be valid and binding obligations of the issuer, enforceable against the issuer in accordance with their terms, subject
to applicable bankruptcy, insolvency, fraudulent conveyance, reorganization, moratorium, receivership or other laws relating to
or affecting creditors&rsquo; rights generally, and to general principles of equity (regardless of whether enforcement is sought
in a proceeding at law or in equity). This opinion is given as of the date hereof and is limited to the laws of the State of New
York. Insofar as this opinion involves matters governed by Canadian law, Cadwalader, Wickersham &amp; Taft LLP has assumed, without
independent inquiry or investigation, the validity of the matters opined on by McCarthy T&eacute;trault LLP, Canadian legal counsel
for the issuer, in its opinion expressed below. In addition, this opinion is subject to customary assumptions about the trustee&rsquo;s
authorization, execution and delivery of the indenture and, with respect to the Notes, authentication of the Notes and the genuineness
of signatures and certain factual matters, all as stated in the opinion of Cadwalader, Wickersham &amp; Taft LLP dated April 12,
2016 filed with the Securities and Exchange Commission as an exhibit to a Current Report on Form 6-K on April 12, 2016.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 9pt 0 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 8pt Arial, Helvetica, Sans-Serif; margin: 9pt 0 0; text-align: right"></P>

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