<SEC-DOCUMENT>0001214659-25-017270.txt : 20251126
<SEC-HEADER>0001214659-25-017270.hdr.sgml : 20251126
<ACCEPTANCE-DATETIME>20251126133231
ACCESSION NUMBER:		0001214659-25-017270
CONFORMED SUBMISSION TYPE:	424B2
PUBLIC DOCUMENT COUNT:		18
FILED AS OF DATE:		20251126
DATE AS OF CHANGE:		20251126

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			BANK OF MONTREAL /CAN/
		CENTRAL INDEX KEY:			0000927971
		STANDARD INDUSTRIAL CLASSIFICATION:	COMMERCIAL BANKS, NEC [6029]
		ORGANIZATION NAME:           	02 Finance
		EIN:				000000000
		STATE OF INCORPORATION:			A6
		FISCAL YEAR END:			1031

	FILING VALUES:
		FORM TYPE:		424B2
		SEC ACT:		1933 Act
		SEC FILE NUMBER:	333-285508
		FILM NUMBER:		251527857

	BUSINESS ADDRESS:	
		STREET 1:		1 FIRST CANADIAN PLACE
		CITY:			TORONTO
		STATE:			A6
		ZIP:			M5X 1A1
		BUSINESS PHONE:		000-000-0000

	MAIL ADDRESS:	
		STREET 1:		1 FIRST CANADIAN PLACE
		CITY:			TORONTO
		STATE:			A6
		ZIP:			M5X 1A1
</SEC-HEADER>
<DOCUMENT>
<TYPE>424B2
<SEQUENCE>1
<FILENAME>s1125250424b2.htm
<DESCRIPTION>WFC ELN 5159
<TEXT>
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<P STYLE="margin: 0">&nbsp;</P>

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<P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 0">PRICING SUPPLEMENT dated November 24, 2025</P>

<P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 0">(To Product Supplement No. WF1 dated March 25, 2025,</P>

<P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 0">Underlying Supplement No. ELN-1 dated March 25, 2025,</P>

<P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 0">Prospectus Supplement dated March 25, 2025</P>

<P STYLE="margin: 0pt 0; font: 9pt Times New Roman, Times, Serif">and Prospectus dated March 25, 2025)</P>

</TD>
    <TD STYLE="width: 50%">    <P STYLE="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right">Filed Pursuant to Rule 424(b)(2)</P>
    <P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right"><FONT STYLE="font-size: 8pt">Registration Statement
    No. 333-285508</FONT></P><P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right"><IMG SRC="bmologosm.jpg" ALT=""></P></TD></TR>
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    <TD STYLE="width: 0.2in; font-size: 4pt">&nbsp;</TD>
    <TD>
        <P STYLE="font: 17pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; color: #BB0826"></P>

<P STYLE="font: 17pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; color: #BB0826"><B>Bank of Montreal</B></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; color: #BB0826"><FONT STYLE="font-size: 2.5pt">&nbsp;</FONT><B>Senior Medium-Term Notes, Series K</B></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; color: #BB0826"><B>Equity Index Linked Securities</B></P>



<P STYLE="font: 17pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; color: #BB0826"></P></TD></TR>
<TR STYLE="vertical-align: top; background-color: #D5D9D8">
    <TD STYLE="font-size: 4pt">&nbsp;</TD>
    <TD>
<P STYLE="font: 13pt Times New Roman; margin: 0pt 0; color: #BB0826"><B></B></P>

<P STYLE="font: 13pt Times New Roman, Times, Serif; margin: 0pt 0; color: #BB0826"><B></B></P>

<P STYLE="font: 13pt Times New Roman, Times, Serif; margin: 0pt 0; color: #BB0826"><B>Market Linked Securities&mdash;Upside Participation
to a Cap and Partial Principal Return at Maturity</B></P>
<P STYLE="font: 13pt Times New Roman, Times, Serif; margin: 0pt 0; color: #BB0826"><B></B></P>
<P STYLE="font: 13pt Times New Roman; margin: 0pt 0; color: #BB0826"><B></B></P>
    <P STYLE="font: 10pt Times New Roman; margin: 0pt 0; color: #BB0826"><B></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; color: #BB0826"><B></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; color: #BB0826"><B>Partial Principal at Risk Securities Linked to an
Index Basket due November 29, 2029</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; color: #BB0826"><B></B></P>
<P STYLE="font: 10pt Times New Roman; margin: 0pt 0; color: #BB0826"><B></B></P></TD></TR>
</TABLE>



<P STYLE="margin: 0"></P>

<DIV STYLE="background-color: #5E8AB4">


<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; color: white"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.2in"><FONT STYLE="font-family: Wingdings; font-size: 9pt">n</FONT></TD><TD STYLE="text-align: justify; padding-right: 3.4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9pt">Linked
to an approximately equally weighted Basket comprised of the Nasdaq-100 Index<SUP>&reg;</SUP> (33.34%), the S&amp;P 500<SUP>&reg;</SUP>&nbsp;Index
(33.33%) and the EURO STOXX 50<SUP>&reg;</SUP>&nbsp;Index (33.33%) (each referred to as a &ldquo;<U>basket component</U>&rdquo;)</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 9pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; color: white"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.2in"><FONT STYLE="font-family: Wingdings">n</FONT></TD><TD STYLE="text-align: justify; padding-right: 3.4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">Unlike ordinary debt securities,
the securities do not pay interest and do not provide for the full repayment of principal at maturity.&nbsp;Instead, the securities provide
for a minimum payment at maturity equal to only 95% of the face amount and offer the potential for a positive return at maturity depending
on the performance of the Basket from the starting value to the ending value.&nbsp;The maturity payment amount will reflect the following
terms:</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; color: white"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.2in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Wingdings; font-size: 9pt">n</FONT></TD><TD STYLE="text-align: justify; padding-right: 3.4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9pt">If the
value of the Basket increases, you will receive the face amount plus a positive return equal to 100% of the percentage increase in the
value of the Basket from the starting value, subject to a maximum return at maturity of 32.40% of the face amount. As a result of the maximum return, the maximum maturity payment amount will be $1,324.00 </FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; color: white"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.2in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Wingdings; font-size: 9pt">n</FONT></TD><TD STYLE="text-align: justify; padding-right: 3.4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9pt">If the
value of the Basket remains flat, you will receive the face amount, but you will not receive any positive return on your investment</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; color: white"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.2in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Wingdings; font-size: 9pt">n</FONT></TD><TD STYLE="text-align: justify; padding-right: 3.4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9pt">If the
value of the Basket decreases, you will have 1-to-1 downside exposure to the first 5% decline in the value of the Basket from the starting
value, and you may lose up to 5% of the face amount of your securities</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 9pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; color: white"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.2in"><FONT STYLE="font-family: Wingdings">n</FONT></TD><TD STYLE="text-align: justify; padding-right: 3.4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">Investors may lose up to
5% of the face amount</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 9pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; color: white"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.2in"><FONT STYLE="font-family: Wingdings">n</FONT></TD><TD STYLE="text-align: justify; padding-right: 3.4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">All payments on the securities
are subject to the credit risk of Bank of Montreal, and you will have no ability to pursue any securities included in the basket components
for payment; if Bank of Montreal defaults on its obligations, you could lose some or all of your investment</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 9pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; color: white"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.2in"><FONT STYLE="font-family: Wingdings">n</FONT></TD><TD STYLE="text-align: justify; padding-right: 3.4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">No periodic interest payments
or dividends</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 9pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; color: white"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.2in"><FONT STYLE="font-family: Wingdings">n</FONT></TD><TD STYLE="text-align: justify; padding-right: 3.4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">No exchange listing; designed
to be held to maturity</FONT></TD></TR></TABLE>

</div>





<P STYLE="margin: 0"></P>


<P STYLE="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>On the date of this pricing supplement,
the estimated initial value of the securities is $955.37 per security. As discussed in more detail in this pricing supplement, the actual
value of the securities at any time will reflect many factors and cannot be predicted with accuracy. See &ldquo;Estimated Value of the
Securities&rdquo; in this pricing supplement.</B></P>

<P STYLE="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>The securities have complex features and investing
in the securities involves risks not associated with an investment in conventional debt securities. See &ldquo;Selected Risk Considerations&rdquo;
beginning on page PRS-8 herein and &ldquo;Risk Factors&rdquo; beginning on page PS-5 of the accompanying product supplement, page S-2
of the prospectus supplement and page 9 of the prospectus.</B></P>

<P STYLE="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>The securities are the unsecured obligations
of Bank of Montreal, and, accordingly, all payments on the securities are subject to the credit risk of Bank of Montreal. If Bank of Montreal
defaults on its obligations, you could lose some or all of your investment. The securities are not insured by the Federal Deposit Insurance
Corporation, the Deposit Insurance Fund, the Canada Deposit Insurance Corporation or any other governmental agency. </B></P>

<P STYLE="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>The securities are not bail-inable notes and
are not subject to conversion into our common shares or the common shares of any of our affiliates under subsection 39.2(2.3) of the Canada
Deposit Insurance Corporation Act. </B></P>

<P STYLE="font: 8pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>Neither the Securities and Exchange Commission
nor any state securities commission or other regulatory body has approved or disapproved of these securities or passed upon the accuracy
or adequacy of this pricing supplement or the accompanying product supplement, underlying supplement, prospectus supplement and prospectus.
Any representation to the contrary is a criminal offense.</B></P>

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse; font-size: 12pt">
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font-size: 4pt; width: 28%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; width: 24%">
    <P STYLE="font: 7.5pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>Original Offering Price</B></P>
<!-- Field: Rule-Page --><DIV STYLE="margin-top: 1pt; margin-bottom: 1pt; width: 100%"><DIV STYLE="font-size: 1pt; border-top: Black 1pt solid">&nbsp;</DIV></DIV><!-- Field: /Rule-Page --></TD>
    <TD STYLE="white-space: nowrap; width: 24%">
    <P STYLE="font: 7.5pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>Agent Discount<SUP>(1)(2)</SUP></B></P>
<!-- Field: Rule-Page --><DIV STYLE="margin: 1pt 0in 1pt -16.6pt"><DIV STYLE="font-size: 1pt; border-top: Black 1pt solid">&nbsp;</DIV></DIV><!-- Field: /Rule-Page --></TD>
    <TD STYLE="white-space: nowrap; width: 24%">
    <P STYLE="font: 7.5pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>Proceeds to Bank of Montreal</B></P>
<!-- Field: Rule-Page --><DIV STYLE="margin: 1pt 0in 1pt -25.85pt"><DIV STYLE="font-size: 1pt; border-top: Black 1pt solid">&nbsp;</DIV></DIV><!-- Field: /Rule-Page --></TD></TR>
  <TR STYLE="background-color: #E0E3E2">
    <TD STYLE="vertical-align: top; border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9.5pt"><B>Per Security</B></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9.5pt">$1,000.00</FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9.5pt">$33.25</FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9.5pt">$966.75</FONT></TD></TR>
  <TR STYLE="background-color: #E0E3E2">
    <TD STYLE="vertical-align: top; border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9.5pt"><B>Total</B></FONT></TD>
    <TD STYLE="text-align: center; white-space: nowrap; vertical-align: bottom; border-right: white 1pt solid; border-bottom: white 1pt solid"><FONT STYLE="font-size: 9.5pt">$1,104,000.00</FONT></TD>
    <TD STYLE="text-align: center; white-space: nowrap; vertical-align: bottom; border-right: white 1pt solid; border-bottom: white 1pt solid"><FONT STYLE="font-size: 9.5pt">$36,708.00</FONT></TD>
    <TD STYLE="text-align: center; white-space: nowrap; vertical-align: bottom; border-right: white 1pt solid; border-bottom: white 1pt solid"><FONT STYLE="font-size: 9.5pt">$1,067,292.00</FONT></TD></TR>
  </TABLE>
<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 8.5pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 12.25pt"><SUP>(1)</SUP></TD><TD STYLE="text-align: justify">Wells Fargo Securities, LLC is the agent for the distribution of the securities and is acting as principal.
See &ldquo;Terms of the Securities &mdash;Agent&rdquo; and &ldquo;Estimated Value of the Securities&rdquo; in this pricing supplement
for further information.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 8.5pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 12.25pt"><SUP>(2)</SUP></TD><TD STYLE="text-align: justify">In respect of certain securities sold in this offering, our affiliate, BMO Capital Markets Corp., may
pay a fee of up to $3.00 per security to selected securities dealers in consideration for marketing and other services in connection with
the distribution of the securities to other securities dealers.</TD></TR></TABLE>



<P STYLE="font: 10pt Times New Roman; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>Wells Fargo Securities </B></P>

<P STYLE="font: 10pt Times New Roman; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 8pt"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%"><TR STYLE="font-weight: bold"><TD STYLE="font-weight: bold; text-align: left; width: 100%"><P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; color: #BB0826"><B></B></P><P STYLE="font: 14pt Times New Roman, Times, Serif; margin: 0pt 0; color: #BB0826"><B></B></P><P STYLE="font: 14pt Times New Roman, Times, Serif; margin: 0pt 0; color: #BB0826"><B>Market Linked Securities&mdash;Upside Participation to a Cap and Partial Principal Return at Maturity</B></P><P STYLE="margin: 0pt 0; font-family: Times New Roman, Times, Serif; color: #BB0826"><FONT STYLE="font-size: 4.5pt">&nbsp;</FONT><FONT STYLE="font-size: 11pt"><B>Partial Principal at Risk Securities Linked to an Index Basket due November 29, 2029</B></FONT></P><P STYLE="font: 14pt Times New Roman, Times, Serif; margin: 0pt 0; color: #BB0826"><B></B></P><P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; color: #BB0826"><B></B></P><P STYLE="margin: 0pt 0; font-family: Times New Roman, Times, Serif; color: #BB0826"></P></TD></TR></TABLE></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

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    <TD STYLE="font-size: 12pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; color: white"><B>Terms of the Securities</B></FONT></TD></TR>
  </TABLE>
<P STYLE="font: 7.5pt Times New Roman, Times, Serif; margin: 0pt 0"></P>


<P STYLE="font: 10pt Times New Roman; margin: 0pt 0">&nbsp;</P>

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  <TR>
    <TD STYLE="width: 18%; border-bottom: white 1pt solid; background-color: #D9D9D6; padding-left: 5.05pt; font-size: 12pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9pt"><B>Issuer:</B></FONT></TD>
    <TD STYLE="width: 82%; padding-left: 0.1in; font-size: 12pt; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9pt">Bank of Montreal.</FONT></TD></TR>
  </TABLE>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse; font-size: 12pt">
  <TR STYLE="vertical-align: top">
    <TD STYLE="background-color: #D9D9D6; text-align: center">&nbsp;</TD>
    <TD COLSPAN="4" STYLE="padding-left: 0.1in; font-size: 12pt; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9pt">An approximately equally weighted basket (the &ldquo;<U>Basket</U>&rdquo;) comprised of the following basket components (each, a &ldquo;<U>basket component</U>&rdquo; and together, the &ldquo;<U>basket components</U>&rdquo;). The basket components, Bloomberg ticker symbols, weightings and initial component values are set forth in the table below.</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="border-right: Black 1pt solid; background-color: #D9D9D6; padding-left: 5.05pt; font-size: 12pt; width: 18%">&nbsp;</TD>
    <TD STYLE="border-top: Black 1pt solid; width: 32%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9pt"><B>Basket Component</B></FONT></TD>
    <TD STYLE="border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; width: 18%; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9pt"><B>Bloomberg Ticker <BR>
Symbol</B></FONT></TD>
    <TD STYLE="border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; width: 10%; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9pt"><B>Weighting</B></FONT></TD>
    <TD STYLE="border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; width: 22%; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9pt"><B>Initial Component <BR>
Value<SUP>(1)</SUP></B></FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="border-right: Black 1pt solid; background-color: #D9D9D6; padding-left: 5.05pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9pt"><B>Market&nbsp;Measure:</b></font></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9pt">Nasdaq-100 Index<SUP>&reg;</SUP></FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9pt">NDX</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9pt">33.34%</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-size: 9pt">24,873.85&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="border-right: Black 1pt solid; background-color: #D9D9D6; text-align: center">&nbsp;</TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9pt">S&amp;P 500<SUP>&reg;</SUP>&nbsp;Index</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9pt">SPX</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9pt">33.33%</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-size: 9pt">&nbsp;6,705.12</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="border-right: Black 1pt solid; background-color: #D9D9D6; text-align: center">&nbsp;</TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9pt">EURO STOXX 50<SUP>&reg;</SUP>&nbsp;Index</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9pt">SX5E</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9pt">33.33%</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-size: 9pt">&nbsp;5,528.67</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="border-right: Black 1pt solid; background-color: #D9D9D6; text-align: center">&nbsp;</TD>
    <TD COLSPAN="4" STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center"><P STYLE="text-align: left; margin: 0pt 0; font: 9pt Times New Roman, Times, Serif"><sup>(1)</sup>&nbsp;With respect to each basket
component, its closing value on the pricing date.</P></TD></TR>
  </TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse; font-size: 12pt">
  <TR>
    <TD STYLE="width: 18%; border-bottom: white 1pt solid; background-color: #D9D9D6; padding-left: 5.05pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9pt"><B>Pricing Date:</B></FONT></TD>
    <TD STYLE="width: 81%; padding-left: 0.1in; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9pt">November 24, 2025.</FONT></TD>
    </TR>
  <TR>
    <TD STYLE="border-bottom: white 1pt solid; background-color: #D9D9D6; padding-left: 5.05pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9pt"><B>Issue Date:</B></FONT></TD>
    <TD STYLE="padding-left: 0.1in; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9pt">November 28, 2025.</FONT></TD>
    </TR>
  <TR>
    <TD STYLE="border-bottom: white 1pt solid; background-color: #D9D9D6; padding-left: 5.05pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9pt"><B>Original Offering <BR>
Price:</B></FONT></TD>
    <TD STYLE="padding-left: 0.1in; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9pt">$1,000 per security.</FONT></TD>
    </TR>
  <TR>
    <TD STYLE="border-bottom: white 1pt solid; background-color: #D9D9D6; padding-left: 5.05pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9pt"><B>Face Amount:</B></FONT></TD>
    <TD STYLE="padding-left: 0.1in; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9pt">$1,000 per security. References in this pricing supplement to a &ldquo;<U>security</U>&rdquo; are to a security with a face amount of $1,000.</FONT></TD>
    </TR>
  <TR>
    <TD ROWSPAN="2" STYLE="border-bottom: white 1pt solid; background-color: #D9D9D6; padding-left: 5.05pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9pt"><B>Maturity Payment <BR>
Amount:</B></FONT></TD>
    <TD STYLE="vertical-align: top">
    <P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.1in; text-align: justify">On the stated maturity date, you will
    be entitled to receive a cash payment per security in U.S. dollars equal to the maturity payment amount. The &ldquo;<U>maturity payment
    amount</U>&rdquo; per security will equal:</P>
    <P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.1in; text-align: justify">&nbsp;</P>
    <P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 19.45pt; text-indent: -12.25pt">&bull;&nbsp;&nbsp;&nbsp;&nbsp;if the ending value is
    greater than the starting value: $1,000 <I>plus </I>the lesser of:</P>
    <P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 19.45pt; text-indent: -12.25pt">&nbsp;</P>
    <P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 45pt; text-indent: -12.25pt">(i) $1,000 &times; basket return &times;
    upside participation rate; and</P>
    <P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 45pt; text-indent: -12.25pt">&nbsp;</P>
    <P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 45pt; text-indent: -12.25pt">(ii) the maximum return; or</P>
    <P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 45pt; text-indent: -12.25pt">&nbsp;</P>
    <P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 19.45pt; text-indent: -12.2pt">&bull;&nbsp;&nbsp;&nbsp;&nbsp;if the ending value is less
    than or equal to the starting value: the greater of:</P>
    <P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 19.45pt; text-indent: -12.2pt">&nbsp;</P>
    <P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 44.5pt; text-indent: -12.2pt">(i) $1,000 + ($1,000 &times; basket
    return); and</P>
    <P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 44.5pt; text-indent: -12.2pt">&nbsp;</P>
    <P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 45pt; text-indent: -12.25pt">(ii) the minimum payment at maturity</P>
    <P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 45pt; text-indent: -12.25pt">&nbsp;</P></TD>
    </TR>
  <TR STYLE="vertical-align: bottom">
    <TD COLSPAN="2" STYLE="padding-left: 0.1in; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9pt"><B>If the ending value is less than the starting value, you will have 1-to-1 downside exposure to the first 5% decline in the value of the Basket from the starting value, and you may lose up to 5% of the face amount of your securities at maturity.</B></FONT></TD></TR>
  <TR>
    <TD STYLE="border-top: white 1pt solid; border-bottom: white 1pt solid; background-color: #D9D9D6">
    <P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 5.05pt"><B>Stated Maturity</B></P>
    <P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 5.05pt"><B>Date:</B></P>
    <P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 5.05pt"></P></TD>
    <TD STYLE="padding-left: 0.1in; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9pt">November 29, 2029, subject to postponement. The securities are not subject to redemption by Bank of Montreal or repayment at the option of any holder of the securities prior to the stated maturity date.</FONT></TD>
    </TR>
  <TR>
    <TD STYLE="border-bottom: white 1pt solid; background-color: #D9D9D6; padding-left: 5.05pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9pt"><B>Starting Value:</B></FONT></TD>
    <TD STYLE="padding-left: 0.1in; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9pt">The &ldquo;<U>starting value</U>&rdquo; is 100.00.</FONT></TD>
    </TR>
  <TR>
    <TD STYLE="border-bottom: white 1pt solid; background-color: #D9D9D6; padding-left: 5.05pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9pt"><B>Closing Value:</B></FONT></TD>
    <TD STYLE="vertical-align: top; padding-left: 0.1in; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9pt">With respect to each basket component, &ldquo;closing value&rdquo; has the meaning assigned to &ldquo;closing level&rdquo; set forth under &ldquo;General Terms of the Securities &mdash;Certain Terms for Securities Linked to an Index&mdash;Certain Definitions&rdquo; in the accompanying product supplement.</FONT></TD>
    </TR>
  <TR>
    <TD STYLE="border-bottom: white 1pt solid; background-color: #D9D9D6; padding-left: 5.05pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9pt"><B>Ending Value:</B></FONT></TD>
    <TD STYLE="padding-left: 0.1in; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9pt">The &ldquo;<U>ending value</U>&rdquo; will be equal to the product of (i) 100 and (ii) an amount equal to 1 <I>plus</I> the sum of: (A) 33.34% of the component return of the Nasdaq-100 Index<SUP>&reg;</SUP>; (B) 33.33% of the component return of the S&amp;P 500<SUP>&reg;</SUP>&nbsp;Index; and (C) 33.33% of the component return of the EURO STOXX 50<SUP>&reg;</SUP>&nbsp;Index.</FONT></TD>
    </TR>
  <TR>
    <TD STYLE="border-bottom: white 1pt solid; background-color: #D9D9D6; padding-left: 5.05pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9pt"><B>Component Return:</B></FONT></TD>
    <TD>
    <P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.1in">The &ldquo;<U>component return</U>&rdquo; of a basket component
    will be equal to:</P>
    <P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.1in">&nbsp;</P>
    <P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.1in; text-align: center"><U>final component value &ndash; initial
    component value</U></P>
    <P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.1in; text-align: center">initial component value</P>
    <P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.1in; text-align: center"></P></TD>
    </TR>
  <TR>
    <TD STYLE="border-bottom: white 1pt solid; background-color: #D9D9D6; padding-left: 5.05pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9pt"><B>Final Component <BR>
Value:</B></FONT></TD>
    <TD STYLE="padding-left: 0.1in; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9pt">With respect to each basket component, its closing value on the calculation day.</FONT></TD>
    </TR>
  <TR>
    <TD STYLE="border-bottom: white 1pt solid; background-color: #D9D9D6; padding-left: 5.05pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9pt"><B>Maximum Return:</B></FONT></TD>
    <TD STYLE="padding-left: 0.1in; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9pt">The &ldquo;<U>maximum return</U>&rdquo; is 32.40% of the face amount per security ($324.00 per security). As a result of the maximum return, the maximum maturity payment amount will be $1,324.00 per security.</FONT></TD>
    </TR>
  </TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 8pt"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%"><TR STYLE="font-weight: bold"><TD STYLE="font-weight: bold; text-align: left; width: 100%"><P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; color: #BB0826"><B></B></P><P STYLE="font: 14pt Times New Roman, Times, Serif; margin: 0pt 0; color: #BB0826"><B></B></P><P STYLE="font: 14pt Times New Roman, Times, Serif; margin: 0pt 0; color: #BB0826"><B>Market Linked Securities&mdash;Upside Participation to a Cap and Partial Principal Return at Maturity</B></P><P STYLE="margin: 0pt 0; font-family: Times New Roman, Times, Serif; color: #BB0826"><FONT STYLE="font-size: 4.5pt">&nbsp;</FONT><FONT STYLE="font-size: 11pt"><B>Partial Principal at Risk Securities Linked to an Index Basket due November 29, 2029</B></FONT></P><P STYLE="font: 14pt Times New Roman, Times, Serif; margin: 0pt 0; color: #BB0826"><B></B></P><P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; color: #BB0826"><B></B></P><P STYLE="margin: 0pt 0; font-family: Times New Roman, Times, Serif; color: #BB0826"></P></TD></TR></TABLE></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<P STYLE="font: 10pt Times New Roman; margin: 0pt 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse">
  <TR>
    <TD STYLE="width: 18%; border-bottom: white 1pt solid; background-color: #D9D9D6; padding-left: 5.05pt; font-size: 12pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9pt"><B>Minimum Payment <BR>
at Maturity:</B></FONT></TD>
    <TD STYLE="width: 82%; padding-left: 0.1in; font-size: 12pt; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9pt">$950.00 per security (95% of the face amount).</FONT></TD></TR>
  <TR>
    <TD STYLE="border-bottom: white 1pt solid; background-color: #D9D9D6; padding-left: 5.05pt; font-size: 12pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9pt"><B>Upside <BR>
Participation Rate:</B></FONT></TD>
    <TD STYLE="padding-left: 0.1in; font-size: 12pt; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9pt">100%. </FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: #D9D9D6; padding-left: 5.05pt; font-size: 12pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9pt"><B>Basket Return:</B></FONT></TD>
    <TD>
    <P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.1in; text-align: justify">The &ldquo;<U>basket return</U>&rdquo;
    is the percentage change from the starting value to the ending value, measured as follows:</P>
    <P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 5.05pt 0pt 8.65pt; text-align: center"><U>ending value &ndash; starting
    value</U></P>
    <P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 5.05pt 0pt 8.65pt; text-align: center">starting value</P>
    <P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 5.05pt 0pt 8.65pt; text-align: center"></P></TD></TR>
  <TR>
    <TD STYLE="border-top: white 1pt solid; border-bottom: white 1pt solid; background-color: #D9D9D6; padding-left: 5.05pt; font-size: 12pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9pt"><B>Calculation Day:</B></FONT></TD>
    <TD STYLE="padding-left: 0.1in; font-size: 12pt; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9pt">November 26, 2029, subject to postponement.</FONT></TD></TR>
  <TR>
    <TD STYLE="border-bottom: white 1pt solid; background-color: #D9D9D6; padding-left: 5.05pt; font-size: 12pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9pt"><B>Market Disruption <BR>
Events and <BR>
Postponement <BR>
Provisions:</B></FONT></TD>
    <TD>
    <P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.1in; text-align: justify">The calculation day is subject to postponement
    due to non-trading days and the occurrence of a market disruption event. In addition, the stated maturity date will be postponed if the
    calculation day is postponed and will be adjusted for non-business days.</P>
    <P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.1in; text-align: justify">&nbsp;</P>
    <P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.1in; text-align: justify">For more information regarding adjustments
    to the calculation day and the stated maturity date, see &ldquo;General Terms of the Securities &mdash;Consequences of a Market Disruption
    Event; Postponement of a Calculation Day&mdash;Securities Linked to Multiple Market Measures&rdquo; and &ldquo;&mdash;Payment Dates&rdquo;
    in the accompanying product supplement. In addition, for information regarding the circumstances that may result in a market disruption
    event, see &ldquo;General Terms of the Securities&mdash;Certain Terms for Securities Linked to an Index&mdash;Market Disruption Events&rdquo;
    in the accompanying product supplement.</P>
    <P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.1in; text-align: justify"></P></TD></TR>
  <TR>
    <TD STYLE="border-bottom: white 1pt solid; background-color: #D9D9D6; padding-left: 5.05pt; font-size: 12pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9pt"><B>Calculation Agent:</B></FONT></TD>
    <TD STYLE="padding-left: 0.1in; font-size: 12pt; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9pt">BMO Capital Markets Corp. (&ldquo;<U>BMOCM</U>&rdquo;).</FONT></TD></TR>
  <TR>
    <TD STYLE="border-bottom: white 1pt solid; background-color: #D9D9D6">
    <P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 4.3pt"><B>Material Tax </B></P>
    <P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 5.05pt"><B>Consequences:</B></P>
    <P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 5.05pt"></P></TD>
    <TD STYLE="padding-left: 0.1in; font-size: 12pt; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9pt">For a discussion of material U.S. federal income and certain estate tax consequences and Canadian federal income tax consequences of the ownership and disposition of the securities, see &ldquo;United States Federal Income Tax Considerations&rdquo; below and the section of the product supplement entitled &ldquo;Canadian Federal Income Tax Consequences.&rdquo;</FONT></TD></TR>
  <TR>
    <TD STYLE="border-bottom: white 1pt solid; background-color: #D9D9D6; padding-left: 5.05pt; font-size: 12pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9pt"><B>Agent:</B></FONT></TD>
    <TD>
    <P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 4.5pt 0pt 0.1in; text-align: justify">Wells Fargo Securities, LLC (&ldquo;<U>WFS</U>&rdquo;)
    is the agent for the distribution of the securities. The agent will receive an agent discount of up to $33.25 per security. The agent
    may resell the securities to other securities dealers at the original offering price of the securities less a concession not in excess
    of $27.50 per security. Such securities dealers may include Wells Fargo Advisors (&ldquo;<U>WFA</U>&rdquo;) (the trade name of the retail
    brokerage business of WFS&rsquo;s affiliates, Wells Fargo Clearing Services, LLC and Wells Fargo Advisors Financial Network, LLC). In
    addition to the concession allowed to WFA, WFS may pay $0.75 per security of the agent discount that it receives to WFA as a distribution
    expense fee for each security sold by WFA.</P>
    <P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 4.5pt 0pt 0.1in; text-align: justify">&nbsp;</P>
    <P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 4.5pt 0pt 0.1in; text-align: justify">In addition, in respect of certain
    securities sold in this offering, BMOCM may pay a fee of up to $3.00 per security to selected securities dealers in consideration for
    marketing and other services in connection with the distribution of the securities to other securities dealers.</P>
    <P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 4.5pt 0pt 0.1in; text-align: justify">&nbsp;</P>
    <P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.1in; text-align: justify">WFS, BMOCM and/or one or more of their
    respective affiliates expects to realize hedging profits projected by their proprietary pricing models to the extent they assume the risks
    inherent in hedging our obligations under the securities. If WFS or any other dealer participating in the distribution of the securities
    or any of their affiliates conduct hedging activities for us in connection with the securities, that dealer or its affiliates will expect
    to realize a profit projected by its proprietary pricing models from those hedging activities. Any such projected profit will be in addition
    to any discount, concession or fee received in connection with the sale of the securities to you.</P>
    <P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.1in; text-align: justify"></P></TD></TR>
  <TR>
    <TD STYLE="border-bottom: white 1pt solid; background-color: #D9D9D6; padding-left: 5.05pt; font-size: 12pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9pt"><B>Denominations:</B></FONT></TD>
    <TD STYLE="padding-left: 0.1in; font-size: 12pt; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9pt">$1,000 and any integral multiple of $1,000.</FONT></TD></TR>
  <TR>
    <TD STYLE="border-bottom: white 1pt solid; background-color: #D9D9D6; padding-left: 5.05pt; font-size: 12pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9pt"><B>CUSIP:</B></FONT></TD>
    <TD STYLE="padding-left: 0.1in; font-size: 12pt; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9pt">06376FZT9</FONT></TD></TR>
  </TABLE>



<P STYLE="font: 10pt Times New Roman; margin: 0pt 0">&nbsp;</P>

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<P STYLE="font: 10pt Times New Roman; margin: 0pt 0"></P>

<P STYLE="font: 10pt Times New Roman; margin: 0pt 0">&nbsp;</P>

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    <TD STYLE="font-size: 12pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; color: white"><B>Additional Information About the Issuer and the Securities</B></FONT></TD></TR>
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<P STYLE="font: 7.5pt Times New Roman, Times, Serif; margin: 0pt 0"></P>


<P STYLE="font: 10pt Times New Roman; margin: 0pt 0">&nbsp;</P>


<P STYLE="font: 10pt Times New Roman; margin: 0pt 0"></P>

<P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">You should read this pricing supplement together
with product supplement no. WF1 dated March 25, 2025, underlying supplement no. ELN-1 dated March 25, 2025, the prospectus supplement
dated March 25, 2025 and the prospectus dated March 25, 2025 for additional information about the securities. To the extent that disclosure
in this pricing supplement is inconsistent with the disclosure in the product supplement, underlying supplement, prospectus supplement
or prospectus, the disclosure in this pricing supplement will control. Certain defined terms used but not defined herein have the meanings
set forth in the product supplement, prospectus supplement or prospectus.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Our Central Index Key, or CIK, on the SEC website
is 927971. When we refer to &ldquo;<U>we</U>,&rdquo; &ldquo;<U>us</U>&rdquo; or &ldquo;<U>our</U>&rdquo; in this pricing supplement, we
refer only to Bank of Montreal.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">You may access the product supplement, underlying
supplement, prospectus supplement and prospectus on the SEC website www.sec.gov as follows (or if such address has changed, by reviewing
our filings for the relevant date on the SEC website):</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 9pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 12.2pt">&bull;</TD><TD STYLE="text-align: justify">Product Supplement No. WF1 dated March 25, 2025:</TD></TR></TABLE>

<P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.2in"><A HREF="https://www.sec.gov/Archives/edgar/data/927971/000121465925004724/b321251424b2.htm">https://www.sec.gov/Archives/edgar/data/927971/000121465925004724/b321251424b2.htm</A></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 9pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 12.2pt">&bull;</TD><TD STYLE="text-align: justify">Underlying Supplement No. ELN-1 dated March 25, 2025:</TD></TR></TABLE>

<P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.2in; color: blue"><U><A HREF="https://www.sec.gov/Archives/edgar/data/927971/000121465925004728/r321250424b2.htm">https://www.sec.gov/Archives/edgar/data/927971/000121465925004728/r321250424b2.htm</A></U></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 9pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 12.2pt">&bull;</TD><TD STYLE="text-align: justify">Prospectus Supplement and Prospectus dated March 25, 2025:</TD></TR></TABLE>

<P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.2in"><A HREF="https://www.sec.gov/Archives/edgar/data/927971/000119312525062081/d840917d424b5.htm">https://www.sec.gov/Archives/edgar/data/927971/000119312525062081/d840917d424b5.htm</A></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

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    <TD STYLE="font-size: 12pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; color: white"><B>Estimated Value of the Securities</B></FONT></TD></TR>
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<P STYLE="font: 10pt Times New Roman; margin: 0pt 0">&nbsp;</P>


<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Our estimated initial value of the securities equals
the sum of the values of the following hypothetical components:</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 9pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">a fixed-income debt component with the same tenor as the securities, valued using our internal funding
rate for structured notes; and</TD></TR></TABLE>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 9pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">one or more derivative transactions relating to the economic terms of the securities.</TD></TR></TABLE>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">The internal funding rate used in the determination
of the initial estimated value generally represents a discount from the credit spreads for our conventional fixed-rate debt. The value
of these derivative transactions is derived from our internal pricing models. These models are based on factors such as the traded market
prices of comparable derivative instruments and on other inputs, which include volatility, dividend rates, interest rates and other factors.
As a result, the estimated initial value of the securities is based on market conditions at the time it is calculated.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">For more information about the estimated initial
value of the securities, see &ldquo;Selected Risk Considerations&rdquo; below.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 8pt"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%"><TR STYLE="font-weight: bold"><TD STYLE="font-weight: bold; text-align: left; width: 100%"><P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; color: #BB0826"><B></B></P><P STYLE="font: 14pt Times New Roman, Times, Serif; margin: 0pt 0; color: #BB0826"><B></B></P><P STYLE="font: 14pt Times New Roman, Times, Serif; margin: 0pt 0; color: #BB0826"><B>Market Linked Securities&mdash;Upside Participation to a Cap and Partial Principal Return at Maturity</B></P><P STYLE="margin: 0pt 0; font-family: Times New Roman, Times, Serif; color: #BB0826"><FONT STYLE="font-size: 4.5pt">&nbsp;</FONT><FONT STYLE="font-size: 11pt"><B>Partial Principal at Risk Securities Linked to an Index Basket due November 29, 2029</B></FONT></P><P STYLE="font: 14pt Times New Roman, Times, Serif; margin: 0pt 0; color: #BB0826"><B></B></P><P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; color: #BB0826"><B></B></P><P STYLE="margin: 0pt 0; font-family: Times New Roman, Times, Serif; color: #BB0826"></P></TD></TR></TABLE></DIV>
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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

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    <TD STYLE="font-size: 12pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; color: white"><B>Investor Considerations</B></FONT></TD></TR>
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<P STYLE="font: 10pt Times New Roman; margin: 0pt 0">&nbsp;</P>


<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>The securities are not appropriate for all investors.
The securities&nbsp;may&nbsp;be an appropriate investment for investors who:</B></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 9pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 12.2pt"><FONT STYLE="font-family: Wingdings; font-size: 12pt">&sect;</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">seek exposure at the upside participation rate
to the upside performance of the Basket if the ending value is greater than the starting value, subject to the maximum return at maturity;</FONT></TD></TR></TABLE>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 9pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 12.2pt"><FONT STYLE="font-family: Wingdings; font-size: 12pt">&sect;</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">desire to limit downside exposure to the Basket
since the securities provide for a minimum payment at maturity;</FONT></TD></TR></TABLE>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 9pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 12.2pt"><FONT STYLE="font-family: Wingdings; font-size: 12pt">&sect;</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">are willing to accept the risk that, if the ending
value is less than the starting value, they will have 1-to-1 downside exposure to a portion of the decline in the value of the Basket
from the starting value, and may receive only the minimum payment at maturity; </FONT></TD></TR></TABLE>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 9pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 12.2pt"><FONT STYLE="font-family: Wingdings; font-size: 12pt">&sect;</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">are willing to forgo interest payments on the
securities and dividends on the securities included in the basket components; and</FONT></TD></TR></TABLE>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 9pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 12.2pt"><FONT STYLE="font-family: Wingdings; font-size: 12pt">&sect;</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">are willing to hold the securities until maturity.</FONT></TD></TR></TABLE>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>The securities may not be an appropriate investment
for investors who:</B></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 9pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 12.2pt"><FONT STYLE="font-family: Wingdings; font-size: 12pt">&sect;</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">seek a liquid investment or are unable or unwilling
to hold the securities to maturity;</FONT></TD></TR></TABLE>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 9pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 12.2pt"><FONT STYLE="font-family: Wingdings; font-size: 12pt">&sect;</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">are unwilling to accept the risk that the ending
value may be less than the starting value;</FONT></TD></TR></TABLE>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 9pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 12.2pt"><FONT STYLE="font-family: Wingdings; font-size: 12pt">&sect;</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">seek uncapped exposure to the upside performance
of the Basket; </FONT></TD></TR></TABLE>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 9pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 12.2pt"><FONT STYLE="font-family: Wingdings; font-size: 12pt">&sect;</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">seek full return of the face amount of the securities
at stated maturity;</FONT></TD></TR></TABLE>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 9pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 12.2pt"><FONT STYLE="font-family: Wingdings; font-size: 12pt">&sect;</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">are unwilling to purchase securities with an
estimated value as of the pricing date that is lower than the original offering price, as
set forth on the cover page;</FONT></TD></TR></TABLE>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 9pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 12.2pt"><FONT STYLE="font-family: Wingdings; font-size: 12pt">&sect;</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">seek current income over the term of the securities;</FONT></TD></TR></TABLE>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 9pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 12.2pt"><FONT STYLE="font-family: Wingdings; font-size: 12pt">&sect;</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">are unwilling to accept the risk of exposure
to the Basket;</FONT></TD></TR></TABLE>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 9pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 12.2pt"><FONT STYLE="font-family: Wingdings; font-size: 12pt">&sect;</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">seek exposure to the basket components but are
unwilling to accept the risk/return trade-offs inherent in the maturity payment amount for the securities;</FONT></TD></TR></TABLE>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 9pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 12.2pt"><FONT STYLE="font-family: Wingdings; font-size: 12pt">&sect;</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">are unwilling to accept the credit risk of Bank
of Montreal to obtain exposure to the Basket generally, or to the exposure to the Basket that the securities provide specifically; or</FONT></TD></TR></TABLE>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 9pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 12.2pt"><FONT STYLE="font-family: Wingdings; font-size: 12pt">&sect;</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">prefer the lower risk of fixed income investments
with comparable maturities issued by companies with comparable credit ratings.</FONT></TD></TR></TABLE>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>The considerations identified above are not
exhaustive. Whether or not the securities are an appropriate investment for you will depend on your individual circumstances, and you
should reach an investment decision only after you and your investment, legal, tax, accounting and other advisors have carefully considered
the appropriateness of an investment in the securities in light of your particular circumstances. You should also review carefully the
sections titled &ldquo;Selected Risk Considerations&rdquo; herein and &ldquo;Risk Factors&rdquo; in the accompanying product supplement
for risks related to an investment in the securities. For more information about the basket components, please see the sections titled
&ldquo;The Nasdaq-100 Index<SUP>&reg;</SUP>,&rdquo; &ldquo;The S&amp;P 500<SUP>&reg;</SUP>&nbsp;Index&rdquo; and &ldquo;The EURO STOXX
50<SUP>&reg;</SUP>&nbsp;Index&rdquo; below.</B></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<P STYLE="font: 7.5pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

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<P STYLE="font: 7.5pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse">
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    <TD STYLE="font-size: 12pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; color: white"><B>Determining Payment at Stated Maturity</B></FONT></TD></TR>
  </TABLE>
<P STYLE="font: 7.5pt Times New Roman, Times, Serif; margin: 0pt 0"></P>


<P STYLE="font: 10pt Times New Roman; margin: 0pt 0">&nbsp;</P>


<P STYLE="font: 7.5pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">On the stated maturity date, you will receive a
cash payment per security (the maturity payment amount) calculated as follows:</P>

<P STYLE="font: 7.5pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><IMG SRC="s1125250424b2_prs7.jpg" ALT=""></P>

<P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: left">&nbsp;</P>

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<P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: left"></P>

<P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: left"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

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    <TD STYLE="font-size: 12pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; color: white"><B>Selected Risk Considerations</B></FONT></TD></TR>
  </TABLE>
<P STYLE="font: 7.5pt Times New Roman, Times, Serif; margin: 0pt 0"></P>


<P STYLE="font: 10pt Times New Roman; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman; margin: 0pt 0"></P>

<P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">The securities have complex features and investing
in the securities will involve risks not associated with an investment in conventional debt securities. Some of the risks that apply to
an investment in the securities are summarized below, but we urge you to read the more detailed explanation of the risks relating to the
securities generally in the &ldquo;Risk Factors&rdquo; section of the accompanying product supplement and prospectus supplement. You should
reach an investment decision only after you have carefully considered with your advisors the appropriateness of an investment in the securities
in light of your particular circumstances.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B><U>Risks Relating To The Securities Generally</U></B></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>You May Not Receive Any Positive Return On The
Securities And You May Lose Up To 5% Of The Face Amount Of Your Securities At Maturity.</B></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">You will receive a positive return on the securities
only if the ending value is greater than the starting value. Because the value of the Basket will be subject to market fluctuations, the
ending value may be less than the starting value. If the ending value is less than the starting value, you will have 1-to-1 downside exposure
to the first 5% decline in the value of the Basket from the starting value and may lose up to 5% of the face amount of your securities
at maturity. This is the case even if the value of the Basket is greater than or equal to the starting value at certain times during the
term of the securities.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Even if the ending value is greater than the starting
value, the maturity payment amount may only be slightly greater than the face amount, and your yield on the securities may be less than
the yield you would earn if you bought a traditional interest-bearing debt security of Bank of Montreal or another issuer with a similar
credit rating with the same stated maturity date.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>Your Return Will Be Limited To The Maximum Return
And May Be Lower Than The Return On A Direct Investment In The Securities Included In The Basket Components.</B></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Your return on the securities will be subject to
the maximum return. The opportunity to participate in the possible increases in the value of the Basket through an investment in the securities
will be limited because any positive return on the securities will not exceed the maximum return. Therefore, your return on the securities
may be lower than the return on a direct investment in the securities included in the basket components. Furthermore, the effect of the
upside participation rate will be progressively reduced for all ending values exceeding the ending value at which the maximum return is
reached.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>Changes In The Values Of The Basket Components
May Offset Each Other.</B></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Changes in the values of the basket components
may not correlate with each other. Even if the final component value of a basket component increases, the final component value of the
other basket components may not increase as much or may even decline. Therefore, in calculating the ending value of the Basket, an increase
in the final component value of a basket component may be moderated, or wholly offset, by a lesser increase or a decline in the final
component value of the other basket components.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>The Securities Do Not Pay Interest.</B></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">The securities will not pay any interest. Accordingly,
you should not invest in the securities if you seek current income during the term of the securities.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>The Securities Are Subject To Credit Risk.</B></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">The securities are our obligations and are not,
either directly or indirectly, an obligation of any third party. Any amounts payable under the securities are subject to our creditworthiness
and you will have no ability to pursue any securities included in the basket components for payment. As a result, our actual and perceived
creditworthiness may affect the value of the securities and, in the event we were to default on our obligations under the securities,
you may not receive any amounts owed to you under the terms of the securities.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>You Will Be Required To Recognize Taxable Income
On The Securities Prior To Maturity. </B></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">If you are a U.S. investor in a security that is
treated as a &ldquo;contingent payment debt instrument&rdquo; for U.S. federal income tax purposes, you generally will be required to
recognize taxable income with respect to the security prior to its maturity, even though you will not receive any payment on the securities
prior to maturity. In addition, your gain, if any, with respect to such securities generally will be treated as ordinary income rather
than capital gain. See &ldquo;United States Federal Income Tax Considerations&rdquo; below.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>The Stated Maturity Date May Be Postponed If
The Calculation Day Is Postponed.</B></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">The calculation day will be postponed if the originally
scheduled calculation day is not a trading day or if the calculation agent determines that a market disruption event has occurred or is
continuing on the calculation day. If such a postponement occurs, the stated maturity date may be postponed. For additional information,
see &ldquo;General Terms of the Securities&mdash;Consequences of a Market Disruption Event; Postponement of a Calculation Day&mdash; Securities
Linked to Multiple Market Measures&rdquo; and &ldquo;&mdash;Payment Dates&rdquo; in the accompanying product supplement.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="background-color: white"><B><U>Risks
Relating To The Estimated Value Of The Securities And Any Secondary Market </U></B></FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>The Estimated Value Of The Securities On The
Pricing Date, Based On Our Proprietary Pricing Models, Will Be Less Than The Original Offering Price. </B></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Our initial estimated value of the securities is
only an estimate, and is based on a number of factors. The original offering price of the securities may exceed our initial estimated
value, because costs associated with offering, structuring and hedging the securities are included in the original offering price, but
are not included in the estimated value. These costs will include any agent discount and selling concessions and the cost of hedging our
obligations under the securities through one or more hedge counterparties (which may be one or more of our affiliates or an agent or its
affiliates). Such hedging cost includes our or our hedge counterparty&rsquo;s expected cost of providing such hedge, as well as the profit
we or our hedge counterparty expect to realize in consideration for assuming the risks inherent in providing such hedge.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>The Terms Of The Securities Are Not Determined
By Reference To The Credit Spreads For Our Conventional Fixed-Rate Debt.</B></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">To determine the terms of the securities, we use
an internal funding rate that represents a discount from the credit spreads for our conventional fixed-rate debt. As a result, the terms
of the securities are less favorable to you than if we had used a higher funding rate.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>The Estimated Value Of The Securities Is Not
An Indication Of The Price, If Any, At Which WFS Or Any Other Person May Be Willing To Buy The Securities From You In The Secondary Market.
</B></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Our initial estimated value of the securities is
derived using our internal pricing models. This value is based on market conditions and other relevant factors, which include volatility
of the basket components, dividend rates and interest rates. Different pricing models and assumptions, including those used by the agent,
its affiliates or other market participants, could provide values for the securities that are greater than or less than our initial estimated
value. In addition, market conditions and other relevant factors after the pricing date are expected to change, possibly rapidly, and
our assumptions may prove to be incorrect. After the pricing date, the value of the securities could change dramatically due to changes
in market conditions, our creditworthiness, and the other factors discussed in the next risk factor. These changes are likely to impact
the price, if any, at which WFS or its affiliates or any other party (including us or our affiliates) would be willing to purchase the
securities from you in any secondary market transactions. Our initial estimated value does not represent a minimum price at which WFS
or any other party (including us or our affiliates) would be willing to buy your securities in any secondary market at any time.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">WFS has advised us that if it, WFA or any of their
affiliates makes a secondary market in the securities at any time, the secondary market price offered by it, WFA or any of their affiliates
will be affected by changes in market conditions and other factors described in the next risk factor. WFS has advised us that if it, WFA
or any of their affiliates makes a secondary market in the securities at any time up to the issue date or during the 4-month period following
the issue date, the secondary market price offered by it, WFA or any of its affiliates will be increased by an amount reflecting a portion
of the costs associated with selling, structuring and hedging the securities that are included in their original offering price. Because
this portion of the costs is not fully deducted upon issuance, WFS has advised us that any secondary market price it, WFA or any of their
affiliates offers during this period will be higher than it otherwise would be after this period, as any secondary market price offered
after this period will reflect the full deduction of the costs as described above. WFS has advised us that the amount of this increase
in the secondary market price will decline steadily to zero over this 4-month period. WFS has advised us that, if you hold the securities
through an account with WFS, WFA or any of their affiliates, WFS expects that this increase will also be reflected in the value indicated
for the securities on your brokerage account statement. If you hold your securities through an account at a broker-dealer other than WFS,
WFA or any of their affiliates, the value of the securities on your brokerage account statement may be different than if you held your
securities at WFS, WFA or any of their affiliates.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>The Value Of The Securities Prior To Stated
Maturity Will Be Affected By Numerous Factors, Some Of Which Are Related In Complex Ways.</B></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 0">The value of the securities prior to stated maturity will be affected
by the then-current value of the Basket, interest rates at that time and a number of other factors, some of which are interrelated in
complex ways. The effect of any one factor may be offset or magnified by the effect of another factor. The following factors, which are
described in more detail in the accompanying product supplement, are expected to affect the value of the securities: performance of the
Basket; interest rates; volatility of the basket components; correlation among the basket components; time remaining to maturity; volatility
of currency exchange rates; correlation between currency exchange rates and the EURO STOXX 50<SUP>&reg;</SUP>&nbsp;Index; and dividend
yields on the securities included in the basket components. When we refer to the &ldquo;<U>value</U>&rdquo; of your securities, we mean
the value you could receive for your securities if you are able to sell them in the open market before the stated maturity date.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">In addition to these factors, the value of the
securities will be affected by actual or anticipated changes in our creditworthiness. You should understand that the impact of one of
the factors specified above, such as a change in interest rates, may offset some or all of any change in the value of the securities attributable
to another factor, such as a change in the value of the Basket. Because numerous factors are expected to affect the value of the securities,
changes in the value of the Basket may not result in a comparable change in the value of the securities. We anticipate that the value
of the securities will always be at a discount to the face amount plus the maximum return.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>The Securities Will Not Be Listed On Any Securities
Exchange And We Do Not Expect A Trading Market For The Securities To Develop.</B></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">The securities will not be listed or displayed
on any securities exchange. Although the agent and/or its affiliates may purchase the securities from holders, they are not obligated
to do so and are not required to make a market for the securities. There can be no assurance that a secondary market will develop. Because
we do not expect that any market makers will participate in a secondary market for the securities, the price at which you may be able
to sell your securities is likely to depend on the price, if any, at which the agent is willing to buy your securities.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">If a secondary market does exist, it may be limited.
Accordingly, there may be a limited number of buyers if you decide to sell your securities prior to stated maturity. This may affect the
price you receive upon such sale. Consequently, you should be willing to hold the securities to stated maturity.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B><U>Risks Relating To The Basket Components</U></B></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>The Maturity Payment Amount Will Depend Upon
The Performance Of The Basket Components And Therefore The Securities Are Subject To The Following Risks, Each As Discussed In More Detail
In The Accompanying Product Supplement. </B></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 9pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>Investing In The Securities Is Not The Same
As Investing In The Basket Components. </B>Investing in the securities is not equivalent to investing in the basket components. As an
investor in the securities, your return will not reflect the return you would realize if you actually owned and held the securities included
in the basket components for a period similar to the term of the securities because you will not receive any dividend payments, distributions
or any other payments paid on the basket components. As a holder of the securities, you will not have any voting rights or any other rights
that holders of the securities included in the basket components would have.</FONT></TD></TR></TABLE>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 9pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>Historical Values Of The Basket Components
Should Not Be Taken As An Indication Of The Future Performance Of The Basket Components During The Term Of The Securities.</B></FONT></TD></TR></TABLE>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 9pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>Changes That Affect The Basket Components
May Adversely Affect The Value Of The Securities And The Maturity Payment Amount.</B></FONT></TD></TR></TABLE>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 9pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>We Cannot Control Actions By Any Of The Unaffiliated
Companies Whose Securities Are Included In The Basket Components.</B></FONT></TD></TR></TABLE>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 9pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>We And Our Affiliates Have No Affiliation
With Any Underlier Sponsor And Have Not Independently Verified Their Public Disclosure Of Information.</B></FONT></TD></TR></TABLE>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>The Securities Are Subject To Risks Relating
To Non-U.S. Securities With Respect To The Nasdaq-100 Index<SUP>&reg;</SUP>.</B></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Because some of the equity securities composing
the Nasdaq-100 Index<SUP>&reg;</SUP>&nbsp;are issued by non-U.S. issuers, an investment in the securities involves risks associated with
the home countries of those issuers. The prices of securities of non-U.S. companies may be affected by political, economic, financial
and social factors in those countries, or global regions, including changes in government, economic and fiscal policies and currency exchange
laws.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>The Securities Are Subject To Risks Relating
To Non-U.S. Securities Markets With Respect To The EURO STOXX 50<SUP>&reg;</SUP>&nbsp;Index.</B></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">The equity securities composing the EURO STOXX
50<SUP>&reg;</SUP>&nbsp;Index are issued by non-U.S. companies in non-U.S. securities markets. Investments in securities linked to the
value of such non-U.S. equity securities involve risks associated with the securities markets in the home countries of the issuers of
those non-U.S. equity securities, including risks of volatility in those markets, governmental intervention in those markets and cross
shareholdings in companies in certain countries. Also, there is generally less publicly available information about companies in some
of these jurisdictions than there is about U.S. companies that are subject to the reporting requirements of the SEC, and generally non-U.S.
companies are subject to accounting, auditing and financial reporting standards and requirements and securities trading rules different
from those applicable to U.S. reporting companies. The prices of securities in non-U.S. markets may be affected by political, economic,
financial and social factors in those countries, or global regions, including changes in government, economic and fiscal policies and
currency exchange laws.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

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    <!-- Field: /Page -->

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>The Securities Do Not Provide Direct Exposure
To Fluctuations In Exchange Rates Between The U.S. Dollar And The Euro With Respect To The EURO STOXX 50<SUP>&reg;</SUP>&nbsp;Index.</B></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">The EURO STOXX 50<SUP>&reg;</SUP>&nbsp;Index is
composed of non-U.S. securities denominated in euros. Because the value of the EURO STOXX 50<SUP>&reg;</SUP>&nbsp;Index is also calculated
in euros (and not in U.S. dollars), the performance of the EURO STOXX 50<SUP>&reg;</SUP>&nbsp;Index will not be adjusted for exchange
rate fluctuations between the U.S. dollar and the euro. In addition, any payments on the securities determined based on the performance
of the EURO STOXX 50<SUP>&reg;</SUP>&nbsp;Index will not be adjusted for exchange rate fluctuations between the U.S. dollar and the euro.
Therefore, holders of the securities will not benefit from any appreciation of the euro relative to the U.S. dollar.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B><U>Risks Relating To Conflicts Of Interest</U></B></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>Our Economic Interests And Those Of Any Dealer
Participating In The Offering Are Potentially Adverse To Your Interests.</B></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">You should be aware of the following ways in which
our economic interests and those of any dealer participating in the distribution of the securities, which we refer to as a &ldquo;<U>participating
dealer</U>,&rdquo; are potentially adverse to your interests as an investor in the securities. In engaging in certain of the activities
described below and as discussed in more detail in the accompanying product supplement, our affiliates or any participating dealer or
its affiliates may take actions that may adversely affect the value of and your return on the securities, and in so doing they will have
no obligation to consider your interests as an investor in the securities. Our affiliates or any participating dealer or its affiliates
may realize a profit from these activities even if investors do not receive a favorable investment return on the securities.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 9pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B><I>The calculation agent is our affiliate
and may be required to make discretionary judgments that affect the return you receive on the securities.</I></B> BMOCM, which is our
affiliate, will be the calculation agent for the securities. As calculation agent, BMOCM will determine any values of the basket components
and make any other determinations necessary to calculate any payments on the securities. In making these determinations, BMOCM may be
required to make discretionary judgments that may adversely affect any payments on the securities. See the sections entitled &ldquo;General
Terms of the Securities&mdash; Certain Terms for Securities Linked to an Index&mdash;Market Disruption Events,&rdquo; &ldquo;&mdash;Adjustments
to an Index&rdquo; and &ldquo;&mdash;Discontinuance of an Index&rdquo; in the accompanying product supplement. In making these discretionary
judgments, the fact that BMOCM is our affiliate may cause it to have economic interests that are adverse to your interests as an investor
in the securities, and BMOCM&rsquo;s determinations as calculation agent may adversely affect your return on the securities.</FONT></TD></TR></TABLE>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 9pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B><I>The estimated value of the securities was
calculated by us and is therefore not an independent third-party valuation.</I></B></FONT></TD></TR></TABLE>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 9pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B><I>Research reports by our affiliates or any
participating dealer or its affiliates may be inconsistent with an investment in the securities and may adversely affect the values of
the basket components.</I></B></FONT></TD></TR></TABLE>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 9pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B><I>Business activities of our affiliates or
any participating dealer or its affiliates with the companies whose securities are included in the basket components may adversely affect
the values of the basket components.</I></B></FONT></TD></TR></TABLE>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 9pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B><I>Hedging activities by our affiliates or
any participating dealer or its affiliates may adversely affect the values of the basket components.</I></B></FONT></TD></TR></TABLE>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 9pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B><I>Trading activities by our affiliates or
any participating dealer or its affiliates may adversely affect the values of the basket components.</I></B></FONT></TD></TR></TABLE>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 9pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B><I>A participating dealer or its affiliates
may realize hedging profits projected by its proprietary pricing models in addition to any selling concession and/or other fee, creating
a further incentive for the participating dealer to sell the securities to you.</I></B></FONT></TD></TR></TABLE>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top; background-color: #5E8AB4">
    <TD STYLE="font-size: 12pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; color: white"><B>Hypothetical Examples and Returns</B></FONT></TD></TR>
  </TABLE>
<P STYLE="font: 7.5pt Times New Roman, Times, Serif; margin: 0pt 0"></P>


<P STYLE="font: 10pt Times New Roman; margin: 0pt 0">&nbsp;</P>


<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">The payout profile, return table and examples below
illustrate the maturity payment amount for a $1,000 face amount security on a hypothetical offering of securities under various scenarios,
with the assumptions set forth in the table below. The terms used for purposes of these hypothetical examples do not represent any actual
initial component value. The hypothetical initial component value of 100.00 for each basket component has been chosen for illustrative
purposes only and does not represent the actual initial component value of any basket component. The actual initial component value for
each basket component is set forth under &ldquo;Terms of the Securities&rdquo; above.
For actual historical data of the basket components, see the historical information set forth herein. The payout profile, return table
and examples below assume that an investor purchases the securities for $1,000 per security. These examples are for purposes of illustration
only and the values used in the examples may have been rounded for ease of analysis. The actual maturity payment amount and resulting
pre-tax total rate of return will depend on the actual terms of the securities.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" ALIGN="CENTER" STYLE="width: 95%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 36%; border: Black 1pt solid; font-size: 9pt"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>Upside Participation Rate:</B></FONT></TD>
    <TD STYLE="width: 64%; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font-size: 9pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">100%</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; font-size: 9pt"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>Maximum Return:</B></FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; font-size: 9pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">32.40%
of the face amount ($324.00 per security)</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; font-size: 9pt"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>Minimum Payment at Maturity:</B></FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; font-size: 9pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">$950.00 per security (95% of the face amount)</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; font-size: 9pt"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>Hypothetical Initial Component Value:</B></FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; font-size: 9pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">For each basket component, 100.00</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; font-size: 9pt"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>Starting Value:</B></FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; font-size: 9pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">100.00</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>Hypothetical Payout Profile</B></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="text-align: center; font: 12pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt">&nbsp;<IMG SRC="s1125250424b2_prs12.jpg" ALT=""></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 8pt"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%"><TR STYLE="font-weight: bold"><TD STYLE="font-weight: bold; text-align: left; width: 100%"><P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; color: #BB0826"><B></B></P><P STYLE="font: 14pt Times New Roman, Times, Serif; margin: 0pt 0; color: #BB0826"><B></B></P><P STYLE="font: 14pt Times New Roman, Times, Serif; margin: 0pt 0; color: #BB0826"><B>Market Linked Securities&mdash;Upside Participation to a Cap and Partial Principal Return at Maturity</B></P><P STYLE="margin: 0pt 0; font-family: Times New Roman, Times, Serif; color: #BB0826"><FONT STYLE="font-size: 4.5pt">&nbsp;</FONT><FONT STYLE="font-size: 11pt"><B>Partial Principal at Risk Securities Linked to an Index Basket due November 29, 2029</B></FONT></P><P STYLE="font: 14pt Times New Roman, Times, Serif; margin: 0pt 0; color: #BB0826"><B></B></P><P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; color: #BB0826"><B></B></P><P STYLE="margin: 0pt 0; font-family: Times New Roman, Times, Serif; color: #BB0826"></P></TD></TR></TABLE></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="margin: 0"></P>

<P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>Hypothetical Returns</B></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" ALIGN="CENTER" STYLE="width: 80%; border-collapse: collapse; font-size: 12pt">
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-bottom: #688FCF 1pt solid; white-space: nowrap; width: 16%">
    <P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>Hypothetical</B></P>
    <P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>ending value</B></P></TD>
    <TD STYLE="border-bottom: #688FCF 1pt solid; width: 35%">
    <P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>Hypothetical</B></P>
    <P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>basket return<SUP>(1)</SUP></B></P></TD>
    <TD STYLE="border-bottom: #688FCF 1pt solid; width: 28%">
    <P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>Hypothetical</B></P>
    <P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>maturity payment<BR>
    amount per security</B></P></TD>
    <TD STYLE="border-bottom: #688FCF 1pt solid; width: 21%">
    <P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>Hypothetical</B></P>
    <P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>pre-tax total</B></P>
    <P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>rate of return<SUP>(2)</SUP></B></P></TD></TR>
  <TR STYLE="background-color: #E0E3E2">
    <TD STYLE="border-right: white 1pt solid; vertical-align: bottom; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9pt">200.00</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; vertical-align: bottom; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9pt">100.00%</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; vertical-align: top; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9pt">$1,324.00</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; vertical-align: top; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9pt">32.40%</FONT></TD></TR>
  <TR STYLE="background-color: #E0E3E2">
    <TD STYLE="border-right: white 1pt solid; vertical-align: bottom; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9pt">175.00</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; vertical-align: bottom; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9pt">75.00%</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; vertical-align: top; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9pt">$1,324.00</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; vertical-align: top; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9pt">32.40%</FONT></TD></TR>
  <TR STYLE="background-color: #E0E3E2">
    <TD STYLE="border-right: white 1pt solid; vertical-align: bottom; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9pt">150.00</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; vertical-align: bottom; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9pt">50.00%</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; vertical-align: top; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9pt">$1,324.00</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; vertical-align: top; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9pt">32.40%</FONT></TD></TR>
  <TR STYLE="background-color: #E0E3E2">
    <TD STYLE="border-right: white 1pt solid; vertical-align: bottom; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9pt">140.00</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; vertical-align: bottom; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9pt">40.00%</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; vertical-align: top; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9pt">$1,324.00</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; vertical-align: top; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9pt">32.40%</FONT></TD></TR>
  <TR STYLE="background-color: #E0E3E2">
    <TD STYLE="border-right: white 1pt solid; vertical-align: bottom; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9pt">132.40</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; vertical-align: bottom; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9pt">32.40%</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; vertical-align: top; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9pt">$1,324.00</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; vertical-align: top; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9pt">32.40%</FONT></TD></TR>
  <TR STYLE="background-color: #E0E3E2">
    <TD STYLE="border-right: white 1pt solid; vertical-align: bottom; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9pt">130.00</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; vertical-align: bottom; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9pt">30.00%</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; vertical-align: top; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9pt">$1,300.00</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; vertical-align: top; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9pt">30.00%</FONT></TD></TR>
  <TR STYLE="background-color: #E0E3E2">
    <TD STYLE="border-right: white 1pt solid; vertical-align: bottom; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9pt">120.00</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; vertical-align: bottom; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9pt">20.00%</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; vertical-align: top; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9pt">$1,200.00</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; vertical-align: top; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9pt">20.00%</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: #E0E3E2">
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9pt">110.00</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9pt">10.00%</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9pt">$1,100.00</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9pt">10.00%</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: #E0E3E2">
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9pt">105.00</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9pt">5.00%</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9pt">$1,050.00</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9pt">5.00%</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: #E0E3E2">
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9pt">102.50</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9pt">2.50%</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9pt">$1,025.00</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9pt">2.50%</FONT></TD></TR>
  <TR STYLE="background-color: #E0E3E2">
    <TD STYLE="border-right: white 1pt solid; vertical-align: bottom; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9pt">100.00</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; vertical-align: top; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9pt">0.00%</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; vertical-align: top; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9pt">$1,000.00</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; vertical-align: top; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9pt">0.00%</FONT></TD></TR>
  <TR STYLE="background-color: #E0E3E2">
    <TD STYLE="border-right: white 1pt solid; vertical-align: bottom; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9pt">97.50</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; vertical-align: top; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9pt">-2.50%</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; vertical-align: top; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9pt">$975.00</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; vertical-align: top; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9pt">-2.50%</FONT></TD></TR>
  <TR STYLE="background-color: #E0E3E2">
    <TD STYLE="border-right: white 1pt solid; vertical-align: bottom; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9pt">95.00</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; vertical-align: top; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9pt">-5.00%</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; vertical-align: top; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9pt">$950.00</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; vertical-align: top; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9pt">-5.00%</FONT></TD></TR>
  <TR STYLE="background-color: #E0E3E2">
    <TD STYLE="border-right: white 1pt solid; vertical-align: bottom; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9pt">90.00</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; vertical-align: bottom; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9pt">-10.00%</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; vertical-align: top; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9pt">$950.00</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; vertical-align: bottom; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9pt">-5.00%</FONT></TD></TR>
  <TR STYLE="background-color: #E0E3E2">
    <TD STYLE="border-right: white 1pt solid; vertical-align: bottom; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9pt">80.00</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; vertical-align: bottom; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9pt">-20.00%</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; vertical-align: top; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9pt">$950.00</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; vertical-align: top; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9pt">-5.00%</FONT></TD></TR>
  <TR STYLE="background-color: #E0E3E2">
    <TD STYLE="border-right: white 1pt solid; vertical-align: bottom; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9pt">70.00</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; vertical-align: bottom; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9pt">-30.00%</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; vertical-align: top; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9pt">$950.00</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; vertical-align: top; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9pt">-5.00%</FONT></TD></TR>
  <TR STYLE="background-color: #E0E3E2">
    <TD STYLE="border-right: white 1pt solid; vertical-align: bottom; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9pt">60.00</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; vertical-align: bottom; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9pt">-40.00%</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; vertical-align: top; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9pt">$950.00</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; vertical-align: top; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9pt">-5.00%</FONT></TD></TR>
  <TR STYLE="background-color: #E0E3E2">
    <TD STYLE="border-right: white 1pt solid; vertical-align: bottom; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9pt">50.00</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; vertical-align: bottom; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9pt">-50.00%</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; vertical-align: top; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9pt">$950.00</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; vertical-align: top; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9pt">-5.00%</FONT></TD></TR>
  <TR STYLE="background-color: #E0E3E2">
    <TD STYLE="border-right: white 1pt solid; vertical-align: bottom; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9pt">25.00</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; vertical-align: bottom; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9pt">-75.00%</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; vertical-align: top; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9pt">$950.00</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; vertical-align: top; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9pt">-5.00%</FONT></TD></TR>
  <TR STYLE="background-color: #E0E3E2">
    <TD STYLE="border-right: white 1pt solid; vertical-align: bottom; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9pt">0.00</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; vertical-align: bottom; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9pt">-100.00%</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; vertical-align: top; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9pt">$950.00</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; vertical-align: top; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9pt">-5.00%</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 9pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 24.5pt"><SUP>(1)</SUP></TD><TD STYLE="text-align: justify">The basket return is equal to the percentage change from the starting value to the ending value (i.e.,
the ending value <I>minus </I>the starting value, <I>divided </I>by the starting value).</TD></TR></TABLE>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 9pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 24.5pt"><SUP>(2)</SUP></TD><TD STYLE="text-align: justify">The hypothetical pre-tax total rate of return is the number, expressed as a percentage, that results from
comparing the maturity payment amount per security to the face amount of $1,000.</TD></TR></TABLE>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 8pt"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%"><TR STYLE="font-weight: bold"><TD STYLE="font-weight: bold; text-align: left; width: 100%"><P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; color: #BB0826"><B></B></P><P STYLE="font: 14pt Times New Roman, Times, Serif; margin: 0pt 0; color: #BB0826"><B></B></P><P STYLE="font: 14pt Times New Roman, Times, Serif; margin: 0pt 0; color: #BB0826"><B>Market Linked Securities&mdash;Upside Participation to a Cap and Partial Principal Return at Maturity</B></P><P STYLE="margin: 0pt 0; font-family: Times New Roman, Times, Serif; color: #BB0826"><FONT STYLE="font-size: 4.5pt">&nbsp;</FONT><FONT STYLE="font-size: 11pt"><B>Partial Principal at Risk Securities Linked to an Index Basket due November 29, 2029</B></FONT></P><P STYLE="font: 14pt Times New Roman, Times, Serif; margin: 0pt 0; color: #BB0826"><B></B></P><P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; color: #BB0826"><B></B></P><P STYLE="margin: 0pt 0; font-family: Times New Roman, Times, Serif; color: #BB0826"></P></TD></TR></TABLE></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>Hypothetical Examples </B></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>Example 1.&nbsp;Maturity payment amount is greater
than the face amount and reflects a return that is less than the maximum return: </B></P>

<P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" ALIGN="CENTER" STYLE="width: 95%; border-collapse: collapse; font-size: 12pt">
  <TR>
    <TD STYLE="border-right: white 1pt solid; vertical-align: top; width: 44%; border-bottom: white 1pt solid">&nbsp;</TD>
    <TD STYLE="border-right: white 1pt solid; vertical-align: bottom; width: 22%; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9pt"><B>Nasdaq-100<BR>
Index<SUP>&reg;</SUP></B></FONT></TD>
    <TD STYLE="border-right: white 1pt solid; vertical-align: bottom; width: 17%; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9pt"><B>S&amp;P 500<SUP>&reg;</SUP>&nbsp;Index</B></FONT></TD>
    <TD STYLE="border-right: white 1pt solid; vertical-align: top; width: 17%; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9pt"><B>EURO STOXX <BR>
50<SUP>&reg;</SUP>&nbsp;Index</B></FONT></TD></TR>
  <TR STYLE="background-color: #E0E3E2">
    <TD STYLE="border-right: white 1pt solid; vertical-align: top; border-bottom: white 1pt solid"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9pt"><B>Hypothetical initial component value:</B></FONT></TD>
    <TD STYLE="border-right: white 1pt solid; vertical-align: bottom; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9pt">100.00</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; vertical-align: top; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9pt">100.00</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; vertical-align: top; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9pt">100.00</FONT></TD></TR>
  <TR STYLE="background-color: #E0E3E2">
    <TD STYLE="border-right: white 1pt solid; vertical-align: top; border-bottom: white 1pt solid"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9pt"><B>Hypothetical final component value:</B></FONT></TD>
    <TD STYLE="border-right: white 1pt solid; vertical-align: bottom; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9pt">115.00</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; vertical-align: top; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9pt">105.00</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; vertical-align: top; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9pt">110.00</FONT></TD></TR>
  <TR STYLE="background-color: #E0E3E2">
    <TD STYLE="border-right: white 1pt solid; vertical-align: top; border-bottom: white 1pt solid; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9pt"><B>Hypothetical component return: </B></FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9pt">15.00%</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; vertical-align: top; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9pt">5.00%</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; vertical-align: top; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9pt">10.00%</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Based on the component returns set forth above,
the ending value would equal:</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="background-color: white">100 &times;
[1 + (33.34% </FONT>&times; <FONT STYLE="background-color: white">15.00%) + (33.33% </FONT>&times; 5.00<FONT STYLE="background-color: white">%)
+ (33.33% </FONT>&times; 10.00<FONT STYLE="background-color: white">%) ] = 110.00</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Therefore, the basket return would be equal to
10.00%.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Because the hypothetical ending value is greater
than the starting value, the maturity payment amount per security would be equal to the face amount of $1,000 <I>plus</I> a positive return
equal to the <I>lesser of</I>:</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 12.25pt; text-indent: 0.5in">(i) &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;$1,000
&times; basket return &times; upside participation rate</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 12.25pt; text-indent: 1in">$1,000 &times; 10.00% &times; 100.00%</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 12.25pt; text-indent: 1in">= $100.00; and</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 12.25pt; text-indent: 0.5in">(ii) &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;the
maximum return of $324.00</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">On the stated maturity date, you would receive
$1,100.00 per security.&#9;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>Example 2.&nbsp;Maturity payment amount is greater
than the face amount and reflects a return equal to the maximum return: </B></P>

<P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" ALIGN="CENTER" STYLE="width: 95%; border-collapse: collapse; font-size: 12pt">
  <TR>
    <TD STYLE="border-right: white 1pt solid; vertical-align: top; width: 44%; border-bottom: white 1pt solid">&nbsp;</TD>
    <TD STYLE="border-right: white 1pt solid; vertical-align: bottom; width: 22%; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9pt"><B>Nasdaq-100<BR>
Index<SUP>&reg;</SUP></B></FONT></TD>
    <TD STYLE="border-right: white 1pt solid; vertical-align: bottom; width: 17%; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9pt"><B>S&amp;P 500<SUP>&reg;</SUP>&nbsp;Index</B></FONT></TD>
    <TD STYLE="border-right: white 1pt solid; vertical-align: top; width: 17%; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9pt"><B>EURO STOXX <BR>
50<SUP>&reg;</SUP>&nbsp;Index</B></FONT></TD></TR>
  <TR STYLE="background-color: #E0E3E2">
    <TD STYLE="border-right: white 1pt solid; vertical-align: top; border-bottom: white 1pt solid"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9pt"><B>Hypothetical initial component value:</B></FONT></TD>
    <TD STYLE="border-right: white 1pt solid; vertical-align: bottom; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9pt">100.00</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; vertical-align: top; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9pt">100.00</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; vertical-align: top; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9pt">100.00</FONT></TD></TR>
  <TR STYLE="background-color: #E0E3E2">
    <TD STYLE="border-right: white 1pt solid; vertical-align: top; border-bottom: white 1pt solid"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9pt"><B>Hypothetical final component value:</B></FONT></TD>
    <TD STYLE="border-right: white 1pt solid; vertical-align: bottom; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9pt">140.00</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; vertical-align: top; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9pt">160.00</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; vertical-align: top; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9pt">150.00</FONT></TD></TR>
  <TR STYLE="background-color: #E0E3E2">
    <TD STYLE="border-right: white 1pt solid; vertical-align: top; border-bottom: white 1pt solid; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9pt"><B>Hypothetical component return: </B></FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9pt">40.00%</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; vertical-align: top; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9pt">60.00%</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; vertical-align: top; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9pt">50.00%</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Based on the component returns set forth above,
the ending value would equal:</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="background-color: white">100 &times;
[1 + (33.34% </FONT>&times; <FONT STYLE="background-color: white">40.00%) + (33.33% </FONT>&times; 60.00<FONT STYLE="background-color: white">%)
+ (33.33% </FONT>&times; 50.00<FONT STYLE="background-color: white">%)] = 150.00</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Therefore, the basket return would be equal to
50.00%.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Because the hypothetical ending value is greater
than the starting value, the maturity payment amount per security would be equal to the face amount of $1,000 <I>plus</I> a positive return
equal to the <I>lesser of</I>:</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 12.25pt; text-indent: 0.5in">(i) &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;$1,000
&times; basket return &times; upside participation rate</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 12.25pt; text-indent: 1in">$1,000 &times; 50.00% &times; 100.00%</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 12.25pt; text-indent: 1in">= $500.00; and</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 12.25pt; text-indent: 0.5in">(ii) &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;the
maximum return of $324.00</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">On the stated maturity date, you would receive
$1,324.00 per security, which is the maximum maturity payment amount.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<!-- Field: Page; Sequence: 14 -->
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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 8pt"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%"><TR STYLE="font-weight: bold"><TD STYLE="font-weight: bold; text-align: left; width: 100%"><P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; color: #BB0826"><B></B></P><P STYLE="font: 14pt Times New Roman, Times, Serif; margin: 0pt 0; color: #BB0826"><B></B></P><P STYLE="font: 14pt Times New Roman, Times, Serif; margin: 0pt 0; color: #BB0826"><B>Market Linked Securities&mdash;Upside Participation to a Cap and Partial Principal Return at Maturity</B></P><P STYLE="margin: 0pt 0; font-family: Times New Roman, Times, Serif; color: #BB0826"><FONT STYLE="font-size: 4.5pt">&nbsp;</FONT><FONT STYLE="font-size: 11pt"><B>Partial Principal at Risk Securities Linked to an Index Basket due November 29, 2029</B></FONT></P><P STYLE="font: 14pt Times New Roman, Times, Serif; margin: 0pt 0; color: #BB0826"><B></B></P><P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; color: #BB0826"><B></B></P><P STYLE="margin: 0pt 0; font-family: Times New Roman, Times, Serif; color: #BB0826"></P></TD></TR></TABLE></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0"><B>&nbsp;</B></P>

<P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>Example 3. Maturity payment amount is less than
the face amount and is greater than the minimum payment at maturity:</B></P>

<P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" ALIGN="CENTER" STYLE="width: 95%; border-collapse: collapse; font-size: 12pt">
  <TR>
    <TD STYLE="border-right: white 1pt solid; vertical-align: top; width: 44%; border-bottom: white 1pt solid">&nbsp;</TD>
    <TD STYLE="border-right: white 1pt solid; vertical-align: bottom; width: 22%; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9pt"><B>Nasdaq-100<BR>
Index<SUP>&reg;</SUP></B></FONT></TD>
    <TD STYLE="border-right: white 1pt solid; vertical-align: bottom; width: 17%; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9pt"><B>S&amp;P 500<SUP>&reg;</SUP>&nbsp;Index</B></FONT></TD>
    <TD STYLE="border-right: white 1pt solid; vertical-align: top; width: 17%; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9pt"><B>EURO STOXX <BR>
50<SUP>&reg;</SUP>&nbsp;Index</B></FONT></TD></TR>
  <TR STYLE="background-color: #E0E3E2">
    <TD STYLE="border-right: white 1pt solid; vertical-align: top; border-bottom: white 1pt solid"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9pt"><B>Hypothetical initial component value:</B></FONT></TD>
    <TD STYLE="border-right: white 1pt solid; vertical-align: bottom; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9pt">100.00</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; vertical-align: top; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9pt">100.00</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; vertical-align: top; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9pt">100.00</FONT></TD></TR>
  <TR STYLE="background-color: #E0E3E2">
    <TD STYLE="border-right: white 1pt solid; vertical-align: top; border-bottom: white 1pt solid"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9pt"><B>Hypothetical final component value:</B></FONT></TD>
    <TD STYLE="border-right: white 1pt solid; vertical-align: bottom; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9pt">95.00</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; vertical-align: top; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9pt">102.50</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; vertical-align: top; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9pt">95.00</FONT></TD></TR>
  <TR STYLE="background-color: #E0E3E2">
    <TD STYLE="border-right: white 1pt solid; vertical-align: top; border-bottom: white 1pt solid; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9pt"><B>Hypothetical component return: </B></FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9pt">-5.00%</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; vertical-align: top; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9pt">2.50%</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; vertical-align: top; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9pt">-5.00%</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Based on the component returns set forth above,
the ending value would equal:</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="background-color: white">100 &times;
[1 + (33.34% </FONT>&times; <FONT STYLE="background-color: white">-5.00%) + (33.33% </FONT>&times; 2.50<FONT STYLE="background-color: white">%)
+ (33.33% </FONT>&times; -5.00)<FONT STYLE="background-color: white">] = 97.50</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Therefore, the basket return would be equal to
-2.50%.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Because the hypothetical ending value is less than
or equal to the starting value, the maturity payment amount per security would be equal to the <I>greater of</I>:</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 12.25pt; text-indent: 0.5in">(i) &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;$1,000
+ ($1,000 &times; basket return)</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 12.25pt; text-indent: 1in">$1,000 + ($1,000 &times; -2.50%)</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 12.25pt; text-indent: 1in">= $975.00; and</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 12.25pt; text-indent: 0.5in">(ii) &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;the
minimum payment at maturity of $950.00</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">On the stated maturity date, you would receive
$975.00 per security.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0"><B>&nbsp;</B></P>

<P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>Example 4. Maturity payment amount is less than
the face amount and is equal to the minimum payment at maturity:</B></P>

<P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" ALIGN="CENTER" STYLE="width: 95%; border-collapse: collapse; font-size: 12pt">
  <TR>
    <TD STYLE="border-right: white 1pt solid; vertical-align: top; width: 44%; border-bottom: white 1pt solid">&nbsp;</TD>
    <TD STYLE="border-right: white 1pt solid; vertical-align: bottom; width: 22%; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9pt"><B>Nasdaq-100<BR>
Index<SUP>&reg;</SUP></B></FONT></TD>
    <TD STYLE="border-right: white 1pt solid; vertical-align: bottom; width: 17%; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9pt"><B>S&amp;P 500<SUP>&reg;</SUP>&nbsp;Index</B></FONT></TD>
    <TD STYLE="border-right: white 1pt solid; vertical-align: top; width: 17%; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9pt"><B>EURO STOXX <BR>
50<SUP>&reg;</SUP>&nbsp;Index</B></FONT></TD></TR>
  <TR STYLE="background-color: #E0E3E2">
    <TD STYLE="border-right: white 1pt solid; vertical-align: top; border-bottom: white 1pt solid"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9pt"><B>Hypothetical initial component value:</B></FONT></TD>
    <TD STYLE="border-right: white 1pt solid; vertical-align: bottom; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9pt">100.00</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; vertical-align: top; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9pt">100.00</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; vertical-align: top; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9pt">100.00</FONT></TD></TR>
  <TR STYLE="background-color: #E0E3E2">
    <TD STYLE="border-right: white 1pt solid; vertical-align: top; border-bottom: white 1pt solid"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9pt"><B>Hypothetical final component value:</B></FONT></TD>
    <TD STYLE="border-right: white 1pt solid; vertical-align: bottom; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9pt">80.00</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; vertical-align: top; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9pt">50.00</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; vertical-align: top; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9pt">20.00</FONT></TD></TR>
  <TR STYLE="background-color: #E0E3E2">
    <TD STYLE="border-right: white 1pt solid; vertical-align: top; border-bottom: white 1pt solid; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9pt"><B>Hypothetical component return: </B></FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9pt">-20.00%</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; vertical-align: top; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9pt">-50.00%</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; vertical-align: top; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9pt">-80.00%</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Based on the component returns set forth above,
the ending value would equal:</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="background-color: white">100 &times;
[1 + (33.34% </FONT>&times; <FONT STYLE="background-color: white">-20.00%) + (33.33% </FONT>&times; -50.00<FONT STYLE="background-color: white">%)
+ (33.33% </FONT>&times; -80.00)<FONT STYLE="background-color: white">] = 50.00</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Therefore, the basket return would be equal to
-50.00%.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Because the hypothetical ending value is less than
the starting value, the maturity payment amount per security would be equal to the <I>greater of</I>:</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 12.25pt; text-indent: 0.5in">(i) &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;$1,000
+ ($1,000 &times; basket return)</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 12.25pt; text-indent: 1in">$1,000 + ($1,000 &times; -50.00%)</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 12.25pt; text-indent: 1in">= $500.00; and</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 12.25pt; text-indent: 0.5in">(ii) &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;the
minimum payment at maturity of $950.00</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">On the stated maturity date, you would receive
$950.00 per security.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">This example illustrates that the securities provide
for the repayment of 95% of the face amount at maturity even in scenarios in which the value of the Basket declines significantly from
the starting value (subject to issuer credit risk).</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 8pt"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%"><TR STYLE="font-weight: bold"><TD STYLE="font-weight: bold; text-align: left; width: 100%"><P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; color: #BB0826"><B></B></P><P STYLE="font: 14pt Times New Roman, Times, Serif; margin: 0pt 0; color: #BB0826"><B></B></P><P STYLE="font: 14pt Times New Roman, Times, Serif; margin: 0pt 0; color: #BB0826"><B>Market Linked Securities&mdash;Upside Participation to a Cap and Partial Principal Return at Maturity</B></P><P STYLE="margin: 0pt 0; font-family: Times New Roman, Times, Serif; color: #BB0826"><FONT STYLE="font-size: 4.5pt">&nbsp;</FONT><FONT STYLE="font-size: 11pt"><B>Partial Principal at Risk Securities Linked to an Index Basket due November 29, 2029</B></FONT></P><P STYLE="font: 14pt Times New Roman, Times, Serif; margin: 0pt 0; color: #BB0826"><B></B></P><P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; color: #BB0826"><B></B></P><P STYLE="margin: 0pt 0; font-family: Times New Roman, Times, Serif; color: #BB0826"></P></TD></TR></TABLE></DIV>
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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; background-color: #5E8AB4; border-collapse: collapse; font-size: 12pt">
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 12pt">
</FONT><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;<FONT STYLE="color: white"><B>Hypothetical Historical Performance of the Basket</B></FONT></FONT></TD></TR>
  </TABLE>
<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">The basket will represent an approximately equally
weighted portfolio of the basket components, with the return of each basket component having the weighting set forth above. For more information
regarding the basket components, see the information provided below.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">While historical information on the value of the
Basket does not exist, the following graph sets forth the hypothetical historical daily values of the Basket for the period from January
2, 2020 to November 24, 2025, assuming that the Basket was constructed on January 2, 2020 with a starting value of 100.00 and that each
of the basket components had the applicable weighting as of that day. We obtained the closing values used in the graph below from Bloomberg
Finance L.P., (&ldquo;<U>Bloomberg</U>&rdquo;) without independent verification.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">The hypothetical historical basket values, as calculated
solely for the purposes of the offering of the securities, fluctuated in the past and may, in the future, experience significant fluctuations.
Any historical upward or downward trend in the value of the Basket during any period shown below is not an indication that the basket
return is more likely to be positive or negative during the term of the securities. The hypothetical historical values do not give an
indication of future values of the Basket.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><IMG SRC="s1125250424b2_prs16.jpg" ALT=""></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; background-color: #5E8AB4; border-collapse: collapse; font-size: 12pt">
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 12pt">
</FONT><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; color: white"><B>The Nasdaq-100 Index<SUP>&reg;</SUP></B></FONT></TD></TR>
  </TABLE>
<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="background-color: white">The Nasdaq-100
</FONT>Index<SUP>&reg;</SUP>&nbsp;is a modified market capitalization-weighted index that is designed to measure the performance of 100
of the largest non-financial companies listed on The Nasdaq Stock Market. For more information about the Nasdaq-100 Index<SUP>&reg;</SUP>,
see &ldquo;Description of Indices&mdash;The Nasdaq-100 Index<SUP>&reg;</SUP>&rdquo; in the accompanying underlying supplement<FONT STYLE="background-color: white">.</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>Historical Information </B></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">We obtained the closing levels of the Nasdaq-100
Index<SUP>&reg;</SUP>&nbsp;in the graph below from Bloomberg Finance L.P. (&ldquo;Bloomberg&rdquo;), without independent verification.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">The following graph sets forth daily closing levels
of the Nasdaq-100 Index<SUP>&reg;</SUP>&nbsp;for the period from January 2, 2020 to November 24, 2025. The closing level on November 24,
2025 was 24,873.85. The historical performance of the Nasdaq-100 Index<SUP>&reg;</SUP>&nbsp;should not be taken as an indication of its
future performance during the term of the securities.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><IMG SRC="s1125250424b2_prs17.jpg" ALT=""></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; background-color: #5E8AB4; border-collapse: collapse; font-size: 12pt">
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 12pt">
</FONT><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; color: white"><B>The S&amp;P 500<SUP>&reg;</SUP>&nbsp;Index</B></FONT></TD></TR>
  </TABLE>
<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">The S&amp;P 500<SUP>&reg;</SUP> Index consists
of stocks of 500 companies selected to provide a performance benchmark for the U.S. equity markets. For more information about the S&amp;P
500<SUP>&reg;</SUP>&nbsp;Index, see &ldquo;Description of Indices&mdash;The S&amp;P U.S. Indices&rdquo; in the accompanying underlying
supplement.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>Historical Information </B></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">We obtained the closing levels of the S&amp;P 500<SUP>&reg;</SUP>&nbsp;Index
in the graph below from Bloomberg, without independent verification.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">The following graph sets forth daily closing levels
of the S&amp;P 500<SUP>&reg;</SUP>&nbsp;Index for the period from January&nbsp;2, 2020 to November 24, 2025. The closing level on November
24, 2025 was 6,705.12. The historical performance of the S&amp;P 500<SUP>&reg;</SUP>&nbsp;Index should not be taken as an indication of
its future performance during the term of the securities.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="text-align: center; font: 12pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><IMG SRC="s1125250424b2_prs18.jpg" ALT=""></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9pt">
</FONT></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; background-color: #5E8AB4; border-collapse: collapse; font-size: 12pt">
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 12pt">
</FONT><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; color: white"><B>The EURO STOXX 50<SUP>&reg;</SUP>&nbsp;Index</B></FONT></TD></TR>
  </TABLE>
<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">The EURO STOXX 50<SUP>&reg;</SUP>&nbsp;Index is
a free-float market capitalization-weighted index composed of 50 of the largest stocks in terms of free float market capitalization traded
on major Eurozone exchanges. For more information about the EURO STOXX 50<SUP>&reg;</SUP>&nbsp;Index, see &ldquo;Description of Indices&mdash;The
STOXX Benchmark Indices&rdquo; in the accompanying underlying supplement.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>Historical Information </B></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">We obtained the closing levels of the EURO STOXX
50<SUP>&reg;</SUP>&nbsp;Index in the graph below from Bloomberg, without independent verification.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">The following graph sets forth daily closing levels
of the EURO STOXX 50<SUP>&reg;</SUP>&nbsp;Index for the period from January 2, 2020 to November 24, 2025. The closing level on November
24, 2025 was 5,528.67. The historical performance of the EURO STOXX 50<SUP>&reg;</SUP>&nbsp;Index should not be taken as an indication
of its future performance during the term of the securities.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><IMG SRC="s1125250424b2_prs19.jpg" ALT=""></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

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    <TD STYLE="text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">
</FONT><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; color: white"><B>United States Federal Income Tax Considerations</B></FONT></TD></TR>
  </TABLE>
<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>You should note that the discussion under the
section called &ldquo;United States Federal Income Tax Considerations&rdquo; in the accompanying product supplement generally does not
apply to the securities issued under this pricing supplement and is superseded by the following discussion.</B></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">The following is a discussion of material U.S.
federal income and certain estate tax consequences of the ownership and disposition of the securities. This discussion applies to you
only if you hold them as capital assets within the meaning of Section 1221 of the U.S. Internal Revenue Code of 1986, as amended (the
&ldquo;Code&rdquo;).</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">This discussion does not address any minimum tax
or Medicare contribution tax consequences, the income inclusion acceleration rules set forth in Section 451(b) of the Code, or any other
tax consequences that may be relevant to you in light of your particular circumstances or if you are an investor subject to special rules,
such as:</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 9pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">a bank or other financial institution;</FONT></TD></TR></TABLE>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 9pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">an insurance company;</FONT></TD></TR></TABLE>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 9pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">a dealer or an electing trader in securities
subject to a mark-to-market method of tax accounting with respect to the securities;</FONT></TD></TR></TABLE>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 9pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">a &ldquo;real estate investment trust&rdquo;
or &ldquo;regulated investment company&rdquo;;</FONT></TD></TR></TABLE>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 9pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">a tax-exempt entity, an &ldquo;individual retirement
account&rdquo; or a &ldquo;Roth IRA&rdquo;;</FONT></TD></TR></TABLE>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 9pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">a person holding a security as part of a &ldquo;straddle&rdquo;
or conversion transaction or one that enters into a &ldquo;constructive sale&rdquo; with respect to a security;</FONT></TD></TR></TABLE>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 9pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">a U.S. Holder (as defined below) whose functional
currency is not the U.S. dollar;</FONT></TD></TR></TABLE>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 9pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">a person that owns, or is deemed to own, 10%
or more of our equity by vote or value; or</FONT></TD></TR></TABLE>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 9pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">an entity classified as a partnership for U.S.
federal income tax purposes.</FONT></TD></TR></TABLE>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">If an entity that is classified as a partnership
for U.S. federal income tax purposes holds the securities, the U.S. federal income tax treatment of a partner will generally depend on
the status of the partner and the activities of the partnership. If you are a partnership holding the securities or a partner in such
a partnership, you should consult your tax advisor as to the particular U.S. federal income tax consequences of holding and disposing
of the securities to you and your partners.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">We will not attempt to ascertain whether any issuer
of any Market Measure (or the components of any Market Measure) (collectively, the &ldquo;Underlying Issuer&rdquo;) should be treated
as a &ldquo;passive foreign investment company&rdquo; (&ldquo;PFIC&rdquo;) within the meaning of Section 1297 of the Code. If any Underlying
Issuer were so treated, certain adverse U.S. federal income tax consequences might apply to you if you are a U.S. Holder, upon a sale,
exchange, retirement or other taxable disposition (each, a &ldquo;taxable disposition&rdquo;) of the securities. You should refer to information
filed with the SEC or another governmental authority by each Underlying Issuer and consult your tax advisor regarding the possible consequences
to you if any Underlying Issuer is or becomes a PFIC.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">This discussion is based on the Code, final, temporary
and proposed regulations by the U.S. Treasury Department (&ldquo;Treasury&rdquo;), rulings, current administrative interpretations and
official pronouncements of the Internal Revenue Service (the &ldquo;IRS&rdquo;), and judicial decisions, all as of the date of this pricing
supplement, changes to any of which subsequent to the date of this pricing supplement may affect the tax consequences described herein,
possibly with retroactive effect. This discussion does not address the effects of any applicable state, local or non-U.S. or other tax
laws, or any federal taxes other than income taxes (such as estate or gift taxes). You should consult your tax advisor about the application
of the U.S. federal tax laws to your particular situation, as well as any tax consequences arising under the laws of any state, local
or non-U.S. taxing jurisdiction.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">This discussion assumes that no foreign taxes will
be imposed with respect to the securities. You should consult your tax advisor regarding the consequences of any non-U.S. tax imposed
with respect to the securities generally and in your particular circumstances.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B><U>Tax Treatment of the Securities</U></B></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">In the opinion of our counsel Davis Polk &amp;
Wardwell LLP, the securities should be treated as debt for U.S. federal income tax purposes. Based on current market conditions, we intend
to treat the securities as &ldquo;contingent payment debt instruments&rdquo; (&ldquo;CPDIs&rdquo;) for U.S. federal income tax purposes.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B><U>Tax Consequences to U.S. Holders</U></B></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">This section applies only to U.S. Holders. You
are a &ldquo;U.S. Holder&rdquo; if, for U.S. federal income tax purposes, you are a beneficial owner of a security and:</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 9pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">a citizen or individual resident of the United
States;</FONT></TD></TR></TABLE>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 9pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">a corporation created or organized in or under
the laws of the United States, any state thereof or the District of Columbia; or</FONT></TD></TR></TABLE>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 9pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">an estate or trust the income of which is subject
to U.S. federal income taxation regardless of its source.</FONT></TD></TR></TABLE>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>General</B></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">For U.S. federal income tax purposes, the issue
price of securities of a series will equal the first price at which a substantial amount of the securities of that series is sold to the
public (not including bond houses, brokers, or similar persons or organizations acting in the capacity of underwriters, placement agents
or wholesalers). It is expected, and the discussion below assumes, that the issue price of a security will be equal to the stated issue
price indicated in this pricing supplement.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">If a market disruption event occurs, the timing
(and potentially the character) of income you recognize with respect to the securities could be affected. See also &ldquo;&mdash;Possible
Taxable Event&rdquo; regarding the possibility that certain changes could cause a security to be deemed retired and reissued for U.S.
federal income tax purposes.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>Interest Accruals on the CPDIs</B></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify">We are required to determine a &ldquo;comparable
yield&rdquo; for each issuance of CPDIs. The term &ldquo;comparable yield&rdquo; means the greater of (i) the annual yield at which we
could issue a fixed-rate debt instrument with terms similar to those of the CPDIs, including the level of subordination, term, timing
of payments and general market conditions, but excluding any adjustments for the riskiness of the contingencies or the liquidity of the
CPDIs, and (ii) the applicable federal rate. Solely for purposes of determining the amount of interest income that you will be required
to accrue, we are also required to construct a &ldquo;projected payment schedule&rdquo; in respect of the CPDIs representing a payment
or a series of payments the amount and timing of which would produce a yield to maturity on the CPDIs equal to the comparable yield. The
projected payment schedule must reflect each non-contingent payment and the projected amount of each contingent payment (determined under
special rules set forth in applicable Treasury regulations (the &ldquo;Contingent Debt Regulations&rdquo;)) on the CPDIs.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt">&nbsp;</P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><FONT STYLE="font-size: 9pt">We have determined
that the &ldquo;comparable yield&rdquo; for the securities is a rate of 4.229% per annum, compounded semi-annually. Based on this comparable
yield, the &ldquo;projected payment schedule&rdquo; for the securities (assuming an issue price of $1,000) consists of a single projected
payment of $1,182.338 due at maturity.</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify">&nbsp;</P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><FONT STYLE="font-size: 9pt">The following table
states the amount of interest income (without taking into account any adjustment to reflect the difference, if any, between the actual
and the projected amount of the contingent payment on the securities) that will be deemed to have accrued with respect to the securities
for each accrual period (assuming a day count convention of 30 days per month and 360 days per year), based upon the comparable yield
set forth above.</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 11pt Times New Roman, Times, Serif; width: 90%; border-collapse: collapse">
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; width: 50%; padding-right: 2.9pt; padding-left: 2.9pt"><P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 1pt 0 2pt; text-align: center; border-bottom: Black 0.5pt solid"><FONT STYLE="font-size: 9pt"><B>ACCRUAL
    PERIOD</B></FONT></P></TD>
    <TD STYLE="white-space: nowrap; width: 25%; padding-right: 2.9pt; padding-left: 2.9pt"><P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 1pt 0 2pt; text-align: center; border-bottom: Black 0.5pt solid"><FONT STYLE="font-size: 9pt"><B>INTEREST
    INCOME<BR>
 DEEMED TO ACCRUE<BR>
 DURING THE<BR>
 ACCRUAL PERIOD<BR>
 (PER SECURITY)</B></FONT></P></TD>
    <TD STYLE="white-space: nowrap; width: 25%; padding-right: 2.9pt; padding-left: 2.9pt"><P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 1pt 0 2pt; text-align: center; border-bottom: Black 0.5pt solid"><FONT STYLE="font-size: 9pt"><B>TOTAL
    INTEREST<BR>
 INCOME DEEMED TO<BR>
 HAVE ACCRUED FROM<BR>
 THE ORIGINAL ISSUE<BR>
 DATE (PER SECURITY)<BR>
 AS OF THE END OF<BR>
 THE ACCRUAL PERIOD</B></FONT></P></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 2.9pt; padding-left: 2.9pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9pt">From
    the issue date through May 29, 2026</FONT></TD>
    <TD STYLE="padding-right: 2.9pt; padding-left: 2.9pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9pt">$21.260</FONT></TD>
    <TD STYLE="padding-right: 2.9pt; padding-left: 2.9pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9pt">$21.260</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 2.9pt; padding-left: 2.9pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9pt">May
    30, 2026 through November 29, 2026</FONT></TD>
    <TD STYLE="padding-right: 2.9pt; padding-left: 2.9pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9pt">$21.592</FONT></TD>
    <TD STYLE="padding-right: 2.9pt; padding-left: 2.9pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9pt">$42.853</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 2.9pt; padding-left: 2.9pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9pt">November
    30, 2026 through May 29, 2027</FONT></TD>
    <TD STYLE="padding-right: 2.9pt; padding-left: 2.9pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9pt">$22.049</FONT></TD>
    <TD STYLE="padding-right: 2.9pt; padding-left: 2.9pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9pt">$64.901</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 2.9pt; padding-left: 2.9pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9pt">May
    30, 2027 through November 29, 2027</FONT></TD>
    <TD STYLE="padding-right: 2.9pt; padding-left: 2.9pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9pt">$22.515</FONT></TD>
    <TD STYLE="padding-right: 2.9pt; padding-left: 2.9pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9pt">$87.416</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 2.9pt; padding-left: 2.9pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9pt">November
    30, 2027 through May 29, 2028</FONT></TD>
    <TD STYLE="padding-right: 2.9pt; padding-left: 2.9pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9pt">$22.991</FONT></TD>
    <TD STYLE="padding-right: 2.9pt; padding-left: 2.9pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9pt">$110.407</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 2.9pt; padding-left: 2.9pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9pt">May
    30, 2028 through November 29, 2028</FONT></TD>
    <TD STYLE="padding-right: 2.9pt; padding-left: 2.9pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9pt">$23.477</FONT></TD>
    <TD STYLE="padding-right: 2.9pt; padding-left: 2.9pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9pt">$133.885</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 2.9pt; padding-left: 2.9pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9pt">November
    30, 2028 through May 29, 2029</FONT></TD>
    <TD STYLE="padding-right: 2.9pt; padding-left: 2.9pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9pt">$23.973</FONT></TD>
    <TD STYLE="padding-right: 2.9pt; padding-left: 2.9pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9pt">$157.858</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 2.9pt; padding-bottom: 0pt; padding-left: 2.9pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9pt">May
    30, 2029 through the maturity date</FONT></TD>
    <TD STYLE="padding-bottom: 0pt; padding-right: 2.9pt; padding-left: 2.9pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9pt">$24.480</FONT></TD>
    <TD STYLE="padding-bottom: 0pt; padding-right: 2.9pt; padding-left: 2.9pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9pt">$182.338</FONT></TD></TR>
  </TABLE>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt">&nbsp;</P>

<P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>Neither the comparable yield nor the projected
payment schedule constitutes a representation by us regarding the actual amounts that we will pay on the CPDIs.</B></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">For U.S. federal income tax purposes, you are required
to use our determination of the comparable yield and projected payment schedule in determining interest accruals and adjustments in respect
of the CPDI, unless you timely disclose and justify the use of other estimates to the IRS. Regardless of your method of tax accounting,
you will be required to accrue interest income at the comparable yield, adjusted upward or downward to reflect the difference, if any,
between the actual and the projected payments on the CPDI during the year (as described below).</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">You will be required for U.S. federal income tax
purposes to accrue an amount of interest, for each accrual period prior to and including maturity or earlier taxable disposition of a
CPDI, that equals the product of (i) the &ldquo;adjusted issue price&rdquo; of the CPDI (as defined below) as of the beginning of the
accrual period, (ii) the comparable yield of the CPDI, adjusted for the length of the accrual period and (iii) the number of days during
the accrual period that you held the CPDI divided by the number of days in the accrual period. The &ldquo;adjusted issue price&rdquo;
of a CPDI is its issue price, increased by any interest income you have previously accrued (determined without regard to any adjustments
to interest accruals described below), and decreased by the projected amounts of any payments previously made on the CPDI pursuant to
the projected payment schedule (without regard to actual amounts paid). Accordingly, you generally will be required to include interest
in income each year even though you may not receive a corresponding (or any) amount of cash in that year.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">We intend to treat any income with respect to the
securities as U.S.-source income.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>Adjustments to Interest Accruals on the CPDIs</B></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">In addition to interest accrued based upon the
comparable yield as described above, you will be required to recognize interest income equal to the amount of any &ldquo;net positive
adjustment&rdquo; (i.e., the excess of actual payments over projected payments) in respect of a CPDI for a taxable year. A &ldquo;net
negative adjustment&rdquo; (i.e., the excess of projected payments over actual payments) in respect of a CPDI for a taxable year:&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 9pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">will first reduce the amount of interest in respect
of the CPDI that you would otherwise be required to include in income in the taxable year;</FONT></TD></TR></TABLE>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 9pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">to the extent of any excess, will give rise to
an ordinary loss, but only to the extent that the amount of all your previous interest inclusions under the CPDI exceeds the total amount
of the net negative adjustments treated as ordinary loss on the CPDI in prior taxable years; and</FONT></TD></TR></TABLE>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 9pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">to the extent of any excess after applying the
two steps above, will be carried forward as a negative adjustment to offset future interest income with respect to the CPDI or to reduce
the amount realized on a disposition of the CPDI.</FONT></TD></TR></TABLE>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">If you are a non-corporate U.S. Holder, a net negative
adjustment is not treated as a miscellaneous itemized deduction (for which deductions would be unavailable).</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>Taxable Disposition of the CPDIs</B></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Upon a taxable disposition of a CPDI, you generally
will recognize taxable income or loss equal to the difference between (i) the amount realized from the disposition of the CPDI and (ii)
your adjusted tax basis in the CPDI. Your adjusted tax basis in the CPDI will equal its cost, increased by any interest income you have
previously accrued (determined without regard to adjustments due to differences between projected and actual payments) and decreased by
the projected amounts of any payments previously made on the CPDI (without regard to actual amounts paid). At maturity, you will be treated
as receiving the projected amount for that date (reduced by any carryforward of a net negative adjustment), and any difference between
the amount actually received and that projected amount will be treated as a positive or negative adjustment governed by the rules described
above. You generally must treat any income realized on a taxable disposition of a CPDI as interest income and any loss as ordinary loss
to the extent of previous interest inclusions (reduced by the total amount of net negative adjustments previously taken into account as
ordinary losses), and the balance as capital loss, the deductibility of which is subject to limitations. If you recognize a loss above
certain thresholds, you may be required to file a &ldquo;reportable transaction&rdquo; disclosure statement with the IRS. You should consult
your tax adviser regarding this reporting obligation.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>Special Rules for Contingent Payments that Becomes
Fixed</B></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Special rules may apply if all the remaining payments
on a CPDI become fixed. For this purpose, payments will be treated as fixed if the remaining contingencies with respect to them are remote
or incidental. Under these rules, if one or more (but not all) contingent payments on a CPDI became fixed more than six months prior to
the relevant payment dates, you will be required to make a positive or negative adjustment, as appropriate, equal to the difference between
the present value of the amounts that are fixed and the present value of the projected amounts of the contingent payments as provided
in the projected payment schedule, using the comparable yield as the discount rate in each case. In addition, you will be required to
make adjustments to your accrual periods and your tax basis in the CPDI. The character of any gain or loss on a taxable disposition of
your CPDI may also be affected. If all remaining scheduled contingent payments on a CPDI become fixed substantially contemporaneously,
you will be required to make these adjustments in a reasonable manner over the remaining term of the CPDI. You should consult your tax
advisor regarding the application of these rules.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>Securities Purchased for Amounts Different from
their Adjusted Issue Price</B></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">If you purchased a CPDI for an amount that is different
from its &ldquo;adjusted issue price,&rdquo; you will be required to account for this difference, generally by allocating it reasonably
among projected payments on the CPDI or daily portions of interest that you are required to accrue with respect to the CPDI and treating
these allocations as adjustments to your income when the payment is made or the interest accrues. You should consult your tax advisor
with respect to the tax consequences of an investment in a CPDI, including the treatment of the difference, if any, between your basis
in the CPDI and the CPDI&rsquo;s adjusted issue price.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>Possible Taxable Event</B></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">A change to a Market Measure (resulting from, for
example, a reorganization event) could result in a significant modification of the affected securities. A change in the methodology by
which a Market Measure is calculated, a change in the components of a Market Measure, a change in the timing or amount of payments on
a security due to a market disruption event, the designation of a successor Market Measure, or the designation of a substitute or successor
rate or other similar circumstances resulting in a material change to a Market Measure could also result in a significant modification
of the affected securities. Additionally, in certain circumstances where our obligations under the securities are assumed by another entity,
such substitution could result in a significant modification of the affected securities.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">A significant modification may result in the securities
being treated as redeemed and reissued for U.S. federal income tax purposes. In that event, you might be required to recognize gain or
loss (in the case of a loss, subject to the possible application of the wash sale rules) with respect to the securities, and your holding
period for your securities could be affected.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">You should consult your tax advisor regarding the
consequences of any significant modification of the securities.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;&nbsp;</P>

<P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B><U>Tax Consequences to Non-U.S. Holders</U></B></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">This section applies only to Non-U.S. Holders.
You are a &ldquo;Non-U.S. Holder&rdquo; if, for U.S. federal income tax purposes, you are a beneficial owner of a security and:</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 9pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">an individual nonresident alien;</FONT></TD></TR></TABLE>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 9pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">a foreign corporation; or</FONT></TD></TR></TABLE>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 9pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">a foreign trust or estate.</FONT></TD></TR></TABLE>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">You are not a Non-U.S. Holder for purposes of this
discussion if you are a beneficial owner of a security who is (i) an individual who is present in the United States for 183 days or more
in the taxable year of disposition or (ii) a former citizen or resident of the United States and certain conditions apply. If you are
or may become such a person during the period in which you hold a security, you should consult your tax advisor regarding the U.S. federal
income tax consequences of an investment in the security.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">The discussion below generally assumes that income
and gain on the securities are not effectively connected with your conduct of a trade or business within the United States, except as
discussed under &ldquo;&mdash;Effectively Connected Income&rdquo; below.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">We intend to treat any income with respect to the
securities as U.S.-source income, which may have withholding consequences to you as described below.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Subject to the discussions below under &ldquo;&mdash;Dividend
Equivalents under Section 871(m) of the Code,&rdquo; &ldquo;&mdash;FIRPTA,&rdquo; and &ldquo;FATCA,&rdquo; you generally should not be
subject to U.S. federal withholding or income tax in respect of payments on, or amounts you receive on a taxable disposition of, a security
if these amounts are not effectively connected with your conduct of a U.S. trade or business, provided that you furnish an appropriate
IRS Form W-8 to the applicable withholding agent certifying under penalties of perjury that you are not a U.S. person and provided further
that (i) you do not own, directly or by attribution, 10% or more of the total combined voting power of all classes of our stock entitled
to vote; (ii) you are not a controlled foreign corporation related, directly or indirectly, to us through stock ownership; and (iii) you
are not a bank receiving interest as descried in Section 881(c)(3)(A) of the Code.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">We, or our agents, including Wells Fargo Securities,
will not be required to pay any additional amounts with respect to U.S. federal withholding taxes.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>Dividend Equivalents under Section 871(m) of
the Code</B></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Section 871(m) of the Code and the Treasury regulations
thereunder (&ldquo;Section 871(m)&rdquo;) impose a 30% (or lower treaty rate) withholding tax on &ldquo;dividend equivalents&rdquo; paid
or deemed paid to Non-U.S. Holders with respect to certain financial instruments linked to equities that could pay U.S.-source dividends
for U.S. federal income tax purposes (&ldquo;Underlying Securities&rdquo;), as defined under the applicable Treasury regulations, or indices
that include Underlying Securities. Section 871(m) generally applies to &ldquo;specified equity-linked instruments&rdquo; (&ldquo;Specified
ELIs&rdquo;), which are financial instruments that substantially replicate the economic performance of one or more Underlying Securities,
as determined based on tests set forth in the applicable Treasury regulations and discussed further below. Section 871(m) provides certain
exceptions to this withholding regime, in particular for instruments linked to certain broad-based indices that meet requirements set
forth in the applicable Treasury regulations (&ldquo;Qualified Indices&rdquo;) as well as exchange-traded funds that track such indices
(&ldquo;Qualified Index Securities&rdquo;).</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Although the Section 871(m) regime became effective
in 2017, the applicable Treasury regulations, as modified by an IRS notice, phase in the application of Section 871(m) as follows:</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 9pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">For financial instruments issued prior to 2027,
Section 871(m) will generally apply only to financial instruments that have a &ldquo;delta&rdquo; of one.</FONT></TD></TR></TABLE>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 9pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">For financial instruments issued in 2027 and
thereafter, Section 871(m) will apply if either (i) the &ldquo;delta&rdquo; of the relevant financial instrument is at least 0.80, if
it is a &ldquo;simple&rdquo; contract, or (ii) the financial instrument meets a &ldquo;substantial equivalence&rdquo; test, if it is a
&ldquo;complex&rdquo; contract. </FONT></TD></TR></TABLE>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&ldquo;Delta&rdquo; for this purpose is generally
defined as the ratio of the change in the fair market value of a financial instrument to a small change in the fair market value of the
number of shares of the Underlying Security. The &ldquo;substantial equivalence&rdquo; test measures whether a complex contract tracks
its &ldquo;initial hedge&rdquo; (shares of the Underlying Security that would fully hedge the contract) more closely than would a &ldquo;benchmark&rdquo;
simple contract with a delta of 0.80.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">The calculations are generally made at the &ldquo;calculation
date,&rdquo; which is the earlier of (i) the time of pricing of the security, i.e., when all material terms have been agreed on, and (ii)
the issuance of the security. However, if the time of pricing is more than 14 calendar days before the issuance of the security, the calculation
date is the date of the issuance of the security. In those circumstances, information regarding our final determinations for purposes
of Section 871(m) may be available only after the time of pricing of the security. As a result, you should acquire such a security only
if you are willing to accept the risk that the security is treated as a Specified ELI subject to withholding under Section 871(m).</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">If the terms of a security are subject to a significant
modification (for example, upon an event discussed above under &ldquo;Tax Consequences to U.S. Holders&mdash;Possible Taxable Event&rdquo;),
the security may be treated as reissued for this purpose and could become a Specified ELI at the time of the significant modification,
depending on the application of the rules at that time to the security. If, pursuant to the terms of a security, an Underlying Security
is added to (or substituted into) the composition of the security&rsquo;s Market Measure(s) after the issuance of the security, whether
or not resulting in a significant modification, we may determine that the security is subject to withholding under Section 871(m) at that
later time. Accordingly, prospective investors should acquire securities with the understanding that withholding may apply to payments
thereon.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">If a security is a Specified ELI, withholding in
respect of dividend equivalents will, depending on the issuer or applicable withholding agent&rsquo;s circumstances, generally be required
either (i) on the underlying dividend payment date or (ii) when cash payments are made on the security or upon the date of maturity, lapse
or other disposition of the security by you, or possibly upon certain other events. Depending on the circumstances, we or the applicable
withholding agent may withhold the required amounts from coupons or other payments on the security, from proceeds of the retirement or
other disposition of the security, or from your other cash or property held by us or the withholding agent. If withholding applies, you
should expect that we or the withholding agent will withhold at the applicable statutory rate.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">The dividend equivalent amount will include the
amount of any actual or, under certain circumstances, estimated dividend. If the dividend equivalent amount is based on the actual dividend,
it will be equal to the product of: (i) in the case of a &ldquo;simple&rdquo; contract, the per-share dividend amount, the number of shares
of an Underlying Security and the delta; or (ii) in the case of a complex contract, the per-share dividend amount and the initial hedge.
The per-share dividend amount will be the actual dividend (including any special dividends) paid with respect to a share of the Underlying
Security.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Based on our determination that the
securities do not have a delta of one with respect to any Underlying Security, the securities should not be subject to Section
871(m).</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Prospective purchasers of the securities should
consult their tax advisors regarding the potential application of Section 871(m) to a particular security and, if withholding applies,
whether they are eligible for a refund of any part of the withholding tax discussed above on the basis of an applicable U.S. income tax
treaty, as well as the process for obtaining such a refund (which will generally require the filing of a U.S. federal income tax return).
In some circumstances, it may not be possible for you to obtain the documentation necessary to support a refund claim under an applicable
treaty. Our determination is binding on you and withholding agents, but it is not binding on the IRS. The Section 871(m) regulations require
complex calculations to be made with respect to securities linked to equities that could pay U.S.-source dividends and their application
to a specific issue of securities may be uncertain. Accordingly, even if we determine that certain securities are not Specified ELIs,
the IRS could challenge our determination and assert that withholding is required in respect of those securities. Moreover, your consequences
under Section 871(m) may depend on your particular circumstances. For example, if you enter into other transactions relating to an Underlying
Security, you could be subject to withholding tax or income tax liability under Section 871(m) even if the securities are not Specified
ELIs subject to Section 871(m) as a general matter. You should consult your tax advisors regarding the application of Section 871(m) in
your particular circumstances.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">We or our agents, including Wells Fargo Securities,
will not be required to pay any additional amounts with respect to withholding under Section 871(m).</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>FIRPTA</B></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Section 897 of the Code, commonly referred to as
&ldquo;FIRPTA,&rdquo; applies to certain interests in entities that beneficially own significant amounts of United States real property
interests (each, a &ldquo;USRPI&rdquo;). We will not attempt to ascertain whether any Underlying Issuer should be treated as a USRPHC
for purposes of Section 897. If an Underlying Issuer were so treated, it is possible that, subject to the exceptions discussed in the
following paragraph, a security could be treated as a USRPI, in which case any gain from the disposition of the security would generally
be subject to U.S. federal income tax and would be required to be reported by the Non-U.S. Holder on a U.S. federal income tax return,
generally in the same manner as if the Non-U.S. Holder were a U.S. Holder, and would in certain cases be subject to withholding in the
amount of 15% of the gross proceeds of such disposition. We or our agents, including Wells Fargo Securities, will not be required to pay
any additional amounts with respect to U.S. federal withholding taxes.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">An exception to the FIRPTA rules applies in respect
of interests in entities that have a regularly traded class of interests outstanding. Under this exception, assuming the securities themselves
are not &ldquo;regularly traded&rdquo; on an established securities market, the securities generally will not be subject to the FIRPTA
rules unless their fair market value upon acquisition exceeds 5% of the relevant Underlying Issuer&rsquo;s regularly traded class of interests
as specified in the applicable Treasury regulations. Certain attribution and aggregation rules apply, and prospective purchasers are urged
to consult their tax advisors regarding whether their ownership interest in the securities will be subject to an exemption from the FIRPTA
rules in light of their circumstances, including any other interest they might have in a relevant Underlying Issuer.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>Effectively Connected Income</B></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">If you are engaged in a U.S. trade or business,
and if income or gain from the securities is effectively connected with the conduct of that trade or business, you generally will be subject
to regular U.S. federal income tax with respect to that income or gain in the same manner as if you were a U.S. Holder, subject to the
provisions of an applicable income tax treaty. If you are a corporation, you should also consider the potential application of a 30% (or
lower treaty rate) branch profits tax. You will be required to provide an IRS Form W-8ECI to the applicable withholding agent to establish
an exemption from withholding for amounts, otherwise subject to withholding, paid on a security. If this paragraph applies to you, you
should consult your tax advisor with respect to other U.S. tax consequences of the ownership and disposition of the security, including
the possible imposition of a 30% branch profits tax if you are a corporation.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B><U>Fungibility of Subsequent Issuances of the
Securities</U></B></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">We may, without the consent of the holders of outstanding
securities, issue additional securities with identical terms. Even if they are treated for non-tax purposes as part of the same series
as the original securities, these additional securities may be treated as a separate issue for U.S. federal income tax purposes or otherwise
be treated differently from the original securities. Accordingly, the additional securities may have a different comparable yield and/or
projected payment schedule from the original securities. These differences may affect the market value of the original securities if the
additional securities are not otherwise distinguishable from the original securities.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B><U>Information Reporting and Backup Withholding</U></B></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Payments on the securities as well as the proceeds
of a taxable disposition (including retirement) of the securities generally will be subject to information reporting and, if you fail
to provide certain identifying information (such as an accurate taxpayer identification number if you are a U.S. Holder) or meet certain
other conditions, generally will be subject to backup withholding, unless you are an exempt recipient and, if required, you establish
your exempt status. If you are a Non-U.S. Holder that provides the applicable withholding agent with the appropriate IRS Form W-8, you
will generally establish an exemption from backup withholding. 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 relevant information is timely furnished
to the IRS. We, or our agents, including Wells Fargo Securities, will not be required to pay any additional amounts with respect to any
backup withholding.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B><U>FATCA </U></B></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;<P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Legislation commonly known as &ldquo;FATCA&rdquo;
and Treasury regulations thereunder generally impose a withholding tax of 30% on payments to certain non-U.S. entities (including financial
intermediaries) with respect to certain financial instruments, unless various U.S. information reporting and due diligence requirements
(that are in addition to, and potentially significantly more onerous than, the requirement to deliver an IRS Form W-8) have been satisfied.
An intergovernmental agreement between the United States and the non-U.S. entity&rsquo;s jurisdiction may modify these requirements. Withholding
under FATCA applies to payments of U.S.-source &ldquo;fixed or determinable annual or periodical&rdquo; (FDAP) income. While the FATCA
rules also require withholding on payments of gross proceeds from dispositions of financial instruments that provide for U.S.-source income,
proposed regulations would eliminate this requirement with respect to gross proceeds, and Treasury has stated that taxpayers may rely
on these proposed regulations pending their finalization. If you are a Non-U.S. Holder, or a U.S. Holder holding securities through a
non-U.S. financial intermediary, you should consult your tax advisor regarding the potential application of FATCA to the securities, including
the availability of certain refunds or credits. We, or our agents, including Wells Fargo Securities, will not be required to pay any additional
amounts with respect to any withholding taxes.</P>

<P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"></P>
<P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B><U>U.S. Federal Estate Tax</U></B></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">If you are an individual Non-U.S. Holder or an
entity the property of which is potentially includible in such an individual&rsquo;s gross estate for U.S. federal estate tax purposes
(for example, a trust funded by such an individual and with respect to which the individual has retained certain interests or powers),
you should note that, absent an applicable treaty exemption, a security may be treated as U.S. -situs property subject to U.S. federal
estate tax. If you are such an individual or entity, you should consult your tax advisor regarding the U.S. federal estate tax consequences
of investing in the securities.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>You should consult your tax advisor regarding
all aspects of the U.S. federal income tax consequences of an investment in the securities, as well as any tax consequences arising under
the laws of any state, local or non-U.S. taxing jurisdiction.</B></P>

<P STYLE="font: 10pt Times New Roman; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman; margin: 0pt">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 11pt Times New Roman, Times, Serif; width: 100%; background-color: #5E8AB4; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="font-size: 12pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; color: White"><B>Validity
    of the Securities</B></FONT></TD></TR>
  </TABLE>
<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify">&nbsp;</P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><FONT STYLE="font-size: 9pt">In the opinion of
Osler, Hoskin &amp; Harcourt LLP, the issue and sale of the securities has been duly authorized by all necessary corporate action of
the Bank of Montreal in conformity with the indenture, and when this pricing supplement has been attached to, and duly notated on, the
master note that represents the securities, the securities will have been validly executed, authenticated, issued and delivered, to the
extent that validity of the securities is a matter governed by the laws of the Province of Ontario and the federal laws of Canada applicable
therein and will be valid obligations of the Bank of Montreal, subject to the following limitations (i) the enforceability of the indenture
may be limited by the Canada Deposit Insurance Corporation Act (Canada), the Winding-up and Restructuring Act (Canada) and bankruptcy,
insolvency, reorganization, receivership, moratorium, arrangement or winding-up laws or other similar laws affecting the enforcement
of creditors&rsquo; rights generally; (ii) the enforceability of the indenture may be limited by equitable principles, including the
principle that equitable remedies such as specific performance and injunction may only be granted in the discretion of a court of competent
jurisdiction; (iii) pursuant to the Currency Act (Canada) a judgment by a Canadian court must be awarded in Canadian currency and that
such judgment may be based on a rate of exchange in existence on a day other than the day of payment; 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 therein. In addition, this opinion is subject to certain assumptions about (i) the trustees&rsquo; authorization,
execution and delivery of the indenture, (ii) the genuineness of signatures and (iii) certain other matters, all as stated in the letter
of such counsel dated March 25, 2025, which has been filed as Exhibit 5.3 to Bank of Montreal&rsquo;s Form 6-K filed with the SEC and
dated March 25, 2025.</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify">&nbsp;</P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0pt; text-align: justify"><FONT STYLE="font-size: 9pt">In the opinion of
Davis Polk &amp; Wardwell LLP, as special United States products counsel to the Bank of Montreal, when the securities offered by this
pricing supplement have been issued by the Bank of Montreal pursuant to the indenture, the trustee has made the appropriate entries or
notations to the master global note that represents such securities (the &ldquo;master note&rdquo;), and such securities have been delivered
against payment as contemplated herein, such securities will be valid and binding obligations of the Bank of Montreal, enforceable in
accordance with their terms, subject to applicable bankruptcy, insolvency and similar laws affecting creditors&rsquo; rights generally,
concepts of reasonableness and equitable principles of general applicability (including, without limitation, concepts of good faith,
fair dealing and the lack of bad faith) and possible judicial or regulatory actions or applications giving effect to governmental actions
or foreign laws affecting creditors&rsquo; rights, <I>provided</I> that such counsel expresses no opinion as to (i) the enforceability
of any waiver of rights under any usury or stay law; or (ii) the effect of fraudulent conveyance, fraudulent transfer or similar provision
of applicable law on the conclusions expressed above. This opinion is given as of the date hereof and is limited to the laws of the State
of New York. Insofar as the foregoing opinion involves matters governed by the laws of the Provinces of Ontario and Qu&eacute;bec and
the federal laws of Canada, you have received, and we understand that you are relying upon, the opinion of Osler, Hoskin &amp; Harcourt
LLP, Canadian counsel for the Bank of Montreal, set forth above. In addition, this opinion is subject to customary assumptions about
the trustee&rsquo;s authorization, execution and delivery of the indenture and the authentication of the master note and the validity,
binding nature and enforceability of the indenture with respect to the trustee, all as stated in the opinion of Davis Polk &amp; Wardwell
LLP dated March 25, 2025, which has been filed as an exhibit to Bank of Montreal&rsquo;s report on Form 6-K filed with the SEC on March
25, 2025.&nbsp;</FONT></P>

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<P STYLE="font: 10pt Times New Roman; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman; text-align: center; margin-top: 0pt; margin-bottom: 0pt">PRS-27</P>

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<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
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<span style="display: none;">v3.25.3</span><table class="report" border="0" cellspacing="2" id="id2">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Submission<br></strong></div></th>
<th class="th"><div>Nov. 26, 2025</div></th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ffd_SubmissionLineItems', window );"><strong>Submission [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityCentralIndexKey', window );">Central Index Key</a></td>
<td class="text">0000927971<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityRegistrantName', window );">Registrant Name</a></td>
<td class="text">BANK OF MONTREAL /CAN/<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ffd_RegnFileNb', window );">Registration File Number</a></td>
<td class="text">333-285508<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ffd_FormTp', window );">Form Type</a></td>
<td class="text">F-3<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ffd_SubmissnTp', window );">Submission Type</a></td>
<td class="text">424B2<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ffd_FeeExhibitTp', window );">Fee Exhibit Type</a></td>
<td class="text">EX-FILING FEES<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ffd_OfferingTableNa', window );">Offering Table N/A</a></td>
<td class="text">N/A<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ffd_OffsetTableNa', window );">Offset Table N/A</a></td>
<td class="text">N/A<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ffd_CombinedProspectusTableNa', window );">Combined Prospectus Table N/A</a></td>
<td class="text">N/A<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityCentralIndexKey">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>A unique 10-digit SEC-issued value to identify entities that have filed disclosures with the SEC. It is commonly abbreviated as CIK.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 12<br> -Subsection b-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityCentralIndexKey</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:centralIndexKeyItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityRegistrantName">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The exact name of the entity filing the report as specified in its charter, which is required by forms filed with the SEC.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 12<br> -Subsection b-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityRegistrantName</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ffd_CombinedProspectusTableNa">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ffd_CombinedProspectusTableNa</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ffd_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>ffd:naItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ffd_FeeExhibitTp">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ffd_FeeExhibitTp</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ffd_</td>
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<td><strong> Data Type:</strong></td>
<td>ffd:feeExhibitTypeItemType</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
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