Early Redemption

We have the right to redeem the notes in our sole discretion in whole, but not in part, at 100% of the Principal Amount together with any accrued but unpaid interest on February 8, 2027 (the “Reset Date”) by giving not less than 5 Business Days’ prior notice. If the scheduled Reset Date is not a Business Day, it will be postponed to the following Business Day. Any redemption of the notes prior to the scheduled maturity will be subject to (i) receipt by the Issuer of approval of the competent resolution authority and (ii) compliance with any other regulatory requirements. If the notes are redeemed by us without the prior approval of such competent resolution authority, then the amounts paid on the notes must be returned to us irrespective of any agreement to the contrary.

Cleanup Redemption

We may redeem the notes in whole, but not in part, at any time if 25% or less of the aggregate principal amount of notes originally issued remains outstanding at such time, at a redemption price equal to 100% of the Principal Amount plus accrued and unpaid interest to, but not including, the redemption date. In the case of a cleanup redemption, we will deliver notice of redemption not less than 5 Business Days prior to the redemption date. Any redemption of the notes prior to the scheduled maturity will be subject to (i) receipt by the Issuer of approval of the competent resolution authority and (ii) compliance with any other regulatory requirements. If the notes are redeemed by us without the prior approval of such competent resolution authority, then the amounts paid on the notes must be returned to us irrespective of any agreement to the contrary.