丰业银行美股招股说明书(2026-09-03版)

Market Linked Securities—Auto-Callable with Contingent Coupon and Contingent DownsidePrincipal at Risk Securities Linked to the Lowest Performing of the Shares of the State Street®Energy Select Sector SPDR®ETF, the Shares of the State Street®Technology Select SectorSPDR®ETF and the Shares of the State Street®Utilities Select Sector SPDR®ETF dueSeptember 7, 2029 ■Linked to the lowest performing of the shares of the State Street®Energy Select Sector SPDR®ETF, the shares of the State Street®Technology Select Sector SPDR®ETF andthe shares of the State Street®Utilities Select Sector SPDR®ETF (each referred to as a “Fund”) ■Unlike ordinary debt securities, the securities do not provide for fixed payments of interest, do not repay a fixed amount of principal at stated maturity and are subject topotential automatic call prior to stated maturity upon the terms described below. Whether the securities pay a contingent coupon payment, whether the securities areautomatically called prior to stated maturity and, if they are not automatically called, whether you receive the face amount of your securities at stated maturity will depend, ineach case, on the fund closing price of the lowest performing Fund on the relevant calculation day. The lowest performing Fund on any calculation day is the Fund that has thelowest fund closing price on that calculation day as a percentage of its starting price ■Contingent Coupon.The securities will pay a contingent coupon payment on a monthly basis until the earlier of stated maturity or automatic call if,and only if, the fundclosing price of the lowest performing Fund on the calculation day for that month is greater than or equal to its coupon threshold price. However, if the fund closing price of thelowest performing Fund on a calculation day is less than its coupon threshold price, you will not receive any contingent coupon payment on the related monthly contingentcoupon payment date. If the fund closing price of the lowest performing Fund is less than its coupon threshold price on every calculation day, you will not receive anycontingent coupon payments throughout the entire term of the securities. The coupon threshold price for each Fund is equal to 70.00% of its starting price. The contingentcoupon rate is 12.95% per annum ■Automatic Call.If the fund closing price of the lowest performing Fund on any of the monthly calculation days from March 2027 to August 2029, inclusive, is greater than orequal to its starting price, the securities will be automatically called for the face amount plus a final contingent coupon payment ■Potential Loss of Principal.If the securities are not automatically called prior to stated maturity, you will receive the face amount at stated maturity if,and only if, the fundclosing price of the lowest performing Fund on the final calculation day is greater than or equal to its downside threshold price. If the fund closing price of the lowestperforming Fund on the final calculation day is less than its downside threshold price, you will lose more than 30.00%, and possibly all, of the face amount of your securities.The downside threshold pricefor each Fund is equal to 70.00% of its starting price ■If the securities are not automatically called prior to stated maturity, you will have full downside exposure to the lowest performing Fund from its starting price if its fundclosing price on the final calculation day is less than its downside threshold price, but you will not participate in any appreciation of any Fund and will not receive anydividends on securities included in any Fund ■Your return on the securities will depend solely on the performance of the Fund that is the lowest performing Fund on each calculation day. You will not benefit in any wayfrom the performance of a better performing Fund. Therefore, you will be adversely affected if any Fund performs poorly, even if another Fund performs favorably The estimated value of the securities as determined by the Bank as of the pricing date is $944.76 (94.476%) per security. See “The Bank's Estimated Value of the Securities” inthis pricing supplement for additional information. The securities have complex features and investing in the securities involves risks not associated with an investment in conventional debt securities. See “Selected RiskConsiderations” beginning on page P-11 herein and “Risk Factors” beginning on page PS-3 of the accompanying product supplement, beginning on page S-2 of theaccompanying prospectus supplement and on page 8 of the accompanying prospectus. Scotia Capital (USA) Inc., our affiliate, has agreed to purchase the securities from the Bank for distribution to other registered broker dealers including Wells Fargo Securities,LLC (“WFS”). Scotia Capital (USA) Inc. or any of its affiliates or agents may use this pricing supplement in market-making transactions in securities after their initial sale. Ifyou are buying securities from Scotia Capital (USA) Inc. or another of its