Company: PNBK
Filing Date: 2025-09-02
Form Type: 424B5
Source: 0001437749-25-028162
Chunk: 33

Company: PATRIOT NATIONAL BANCORP INC
Filing Date: 2025-09-02
Form: 424B5
Chunk 33
---
 securities are stated to be payable, the currency or currencies in which payment is to be made payable and the periods and terms upon which such election is to be made; |

| ● | if the amount of payments of principal of (and premium, if any, on) or any interest on the debt securities of the series may be determined by reference to an index, the manner in which such amounts shall be determined; |

| ● | whether the debt securities will be issuable in the form of a global security; |

| ● | any interest rate calculation agents, exchange rate calculation agents or other agents for the debt securities, if other than the trustee; |

| ● | whether and under what circumstances we will pay additional amounts in respect of any series of debt securities and whether we have the option to redeem such debt securities rather than pay such additional amounts; |

| ● | any provisions relating to the extension of maturity of, or the renewal of, the debt securities of such series, or the conversion of the debt securities of such series into other securities of the Company; |

| ● | any provisions relating to the purchase or redemption of all or any portion of a tranche or series of debt securities, including the period of notice required to redeem those debt securities; |

| ● | the terms and conditions, if any, pursuant to which the debt securities are secured; |

| ● | any subordination provisions applicable to the subordinated debt securities if different from those described below under “—Subordinated Debt”; |

| ● | any other terms or provisions relating to the payment of principal of, premium (if any) or interest thereon, including, but not limited to, whether such debt securities are issuable at a discount or premium, as amortizable debt securities and if payable in, convertible or exchangeable for commodities or other securities of ours; and |

| ● | any other specific terms of such debt securities. |

<div align='center'>12</div>

If we denominate the purchase price of any of the debt securities in a foreign currency or currencies, or if the principal of or premium, if any, or interest on any series of debt securities is payable in a foreign currency or currencies, we will include in the applicable prospectus supplement information on the restrictions, elections, material United States federal income tax considerations, specific terms and other information with respect to that issue of debt securities and the relevant foreign currency or currencies.

Unless otherwise specified in the prospectus supplement, the debt securities will be registered debt securities. Debt securities may be sold at