<SEC-DOCUMENT>0001214659-25-017316.txt : 20251128
<SEC-HEADER>0001214659-25-017316.hdr.sgml : 20251128
<ACCEPTANCE-DATETIME>20251128135704
ACCESSION NUMBER:		0001214659-25-017316
CONFORMED SUBMISSION TYPE:	424B2
PUBLIC DOCUMENT COUNT:		14
FILED AS OF DATE:		20251128
DATE AS OF CHANGE:		20251128

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:		251534835

	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>z1126251424b2.htm
<DESCRIPTION>ELN 5178
<TEXT>
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     <TITLE></TITLE>
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<P STYLE="margin: 0">&nbsp;</P>

<P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right"><B>Filed Pursuant to Rule 424(b)(2)</B></P>

<P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right"><B>Registration Statement No. 333-285508</B></P>

<P STYLE="margin: 0">&nbsp;</P>

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

<P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">Pricing Supplement dated November 25, 2025 (To Product
Supplement No. ELN-1 dated March 25, 2025, Underlying Supplement No. ELN-1 dated March 25, 2025, Prospectus Supplement dated March 25,
2025 and Prospectus dated March 25, 2025)</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">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 29%">
    <P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>&nbsp;</B></P>
    <P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 0"><IMG SRC="bmologosm.jpg" ALT=""></P></TD>
    <TD STYLE="width: 71%">
    <P STYLE="font: 2pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>
    <P STYLE="font: 16pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>Bank of Montreal</B></P>
    <P STYLE="font: 2pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>
    <P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>Senior Medium-Term Notes, Series K</B></P>
    <P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>$4,463,000</B></P>
    <P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>Capped Leveraged Buffered MSCI EAFE Index<SUP>&reg;</SUP>-Linked
    Notes due January 21, 2028</B></P></TD></TR>
  </TABLE>
<P STYLE="font: 9.5pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>The
notes do not bear interest. </B><FONT STYLE="font-weight: normal">The amount that you will be paid on your notes on the stated maturity
date (January 21, 2028, subject to postponement) is based on the performance of </FONT></FONT>the <FONT STYLE="font-family: Times New Roman, Times, Serif; font-weight: normal">MSCI
EAFE Index<SUP>&reg;</SUP> as measured from the trade date (November 25, 2025) to and including the determination date (January 19, 2028,
subject to postponement).</FONT></P>

<P STYLE="font: 9.5pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-weight: normal">If
the final underlier level on the determination date is greater than the initial underlier level</FONT> (2,754.44, which was the closing
level of the underlier on the trade date)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-weight: normal">, the return on
your notes will be positive and will equal the upside participation rate of 160% <I>times </I>the </FONT>underlier return<FONT STYLE="font-family: Times New Roman, Times, Serif; font-weight: normal">,
subject to the maximum settlement amount of $1,253.76 for each $1,000 principal amount of your notes. If the final underlier level declines
by up to 15.00% from the initial underlier level, you will receive the principal amount of your notes. If the final underlier level declines
by more than 15.00% from the initial underlier level, the return on your notes will be negative </FONT>and you will lose approximately
1.1765% of the principal amount of your notes for every 1% that the final underlier level has declined below <FONT STYLE="font-family: Times New Roman, Times, Serif; font-weight: normal">85.00%
of the initial underlier level. </FONT><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>You could lose some, or all, of the
principal amount of your notes.</B></FONT></P>

<P STYLE="font: 9.5pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-weight: normal">To
determine your payment at maturity, we will calculate the </FONT>underlier return<FONT STYLE="font-family: Times New Roman, Times, Serif; font-weight: normal">,
which is the percentage increase or decrease in the final underlier level from the initial underlier level. On the stated maturity date,
for each $1,000 principal amount of your notes, you will receive an amount in cash equal to:</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 9.5pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in">&#9679;</TD><TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-weight: normal">if the </FONT>underlier return <FONT STYLE="font-family: Times New Roman, Times, Serif; font-weight: normal">is
<I>positive</I> (the final underlier level is <I>greater than</I> the initial underlier level), the <I>sum</I> of (i) $1,000 <I>plus</I>
(ii) the <I>product</I> of (a) $1,000 <I>times</I> (b) the upside participation rate <I>times</I> (c) the </FONT>underlier return<FONT STYLE="font-family: Times New Roman, Times, Serif; font-weight: normal">,
subject to the maximum settlement amount;</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 9.5pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in">&#9679;</TD><TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-weight: normal">if the </FONT>underlier return <FONT STYLE="font-family: Times New Roman, Times, Serif; font-weight: normal">is
<I>zero</I> or <I>negative </I>but <I>not below</I> -15.00% (the final underlier level is <I>equal to</I> or <I>less than </I>the initial
underlier level, but not by more than 15.00%), $1,000; or </FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 9.5pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in">&#9679;</TD><TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-weight: normal">if the </FONT>underlier return <FONT STYLE="font-family: Times New Roman, Times, Serif; font-weight: normal">is
<I>negative</I> and is <I>below</I> -15.00% (the final underlier level is <I>less than</I> the initial underlier level by more than 15.00%),
the <I>sum</I> of (i) $1,000 <I>plus </I>(ii) the <I>product</I> of (a) $1,000 <I>times </I>(b) the buffer rate of </FONT>approximately
117.65% <FONT STYLE="font-family: Times New Roman, Times, Serif; font-weight: normal"><I>times</I> (c) the <I>sum of</I> the </FONT>underlier
return <FONT STYLE="font-family: Times New Roman, Times, Serif; font-weight: normal"><I>plus</I> 15.00%. </FONT><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>This
amount will be less than $1,000 and could be zero. </B></FONT></TD></TR></TABLE>

<P STYLE="font: 9.5pt Times New Roman, Times, Serif; margin: 0pt 0">The notes will not be listed on any securities exchange and are designed
to be held to maturity.</P>

<P STYLE="font: 9.5pt Times New Roman, Times, Serif; margin: 0pt 0"><B>The estimated initial value of the notes determined by us as of
the trade date, which we refer to as the initial estimated value, is $984.35 per $1,000 principal amount of notes, which is less than
the original issue price. However, as discussed in more detail in this pricing supplement, the actual value of the notes at any time will
reflect many factors and cannot be predicted with accuracy. See &ldquo;Estimated Value of the Notes&rdquo; in this pricing supplement.</B></P>

<P STYLE="font: 9.5pt Times New Roman, Times, Serif; margin: 0pt 0"><B>The notes involve risks not associated with an investment in conventional
debt securities. See &ldquo;Selected Risk Considerations&rdquo; beginning on page PS-9 herein and &ldquo;Risk Factors&rdquo; beginning
on page PS-5 of the accompanying product supplement, <FONT STYLE="font-family: Times New Roman, Times, Serif">page S-2 of the prospectus
supplement and page 9 of the prospectus.</FONT></B></P>

<P STYLE="font: 9.5pt Times New Roman, Times, Serif; margin: 0pt 0">The notes are the unsecured obligations of Bank of Montreal, and,
accordingly, all payments on the notes 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 notes are not insured by the Federal Deposit Insurance Corporation, the Deposit Insurance
Fund, the Canada Deposit Insurance Corporation or any other governmental agency.</P>

<P STYLE="font: 9.5pt Times New Roman, Times, Serif; margin: 0pt 0">The notes 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.</P>

<P STYLE="font: 9.5pt Times New Roman, Times, Serif; margin: 0pt 0">Neither the Securities and Exchange Commission nor any state securities
commission or other regulatory body has approved or disapproved of these notes 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.</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse">
  <TR>
    <TD STYLE="vertical-align: top; width: 46%; font-size: 10pt; text-align: center">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; width: 18%">
    <P STYLE="font: 9.5pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; border-bottom: Black 0.5pt solid"><B>Original
    Issue Price</B></P></TD>
    <TD STYLE="vertical-align: bottom; width: 18%">
    <P STYLE="font: 9.5pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; border-bottom: Black 0.5pt solid"><B>Underwriting<br>
    Discount<SUP>(1)</SUP></B></P></TD>
    <TD STYLE="vertical-align: bottom; width: 18%">
    <P STYLE="font: 9.5pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; border-bottom: Black 0.5pt solid"><B>Proceeds
    to Bank<br> of Montreal</B></P></TD></TR>
  <TR>
    <TD STYLE="vertical-align: top; padding-left: 9.35pt; font-size: 10pt; text-indent: -9.35pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9.5pt">Per Note</FONT></TD>
    <TD STYLE="font-size: 10pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9.5pt">$1,000.00</FONT></TD>
    <TD STYLE="font-size: 10pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9.5pt">$0.00</FONT></TD>
    <TD STYLE="font-size: 10pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9.5pt">$1,000.00</FONT></TD></TR>
  <TR>
    <TD STYLE="vertical-align: top; padding-left: 9.35pt; font-size: 10pt; text-indent: -9.35pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9.5pt">Total</FONT></TD>
    <TD STYLE="font-size: 10pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9.5pt">$4,463,000.00</FONT></TD>
    <TD STYLE="font-size: 10pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9.5pt">$0.00</FONT></TD>
    <TD STYLE="font-size: 10pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9.5pt">$4,463,000.00</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="4" STYLE="text-align: justify; font-size: 10pt"><FONT STYLE="font-size: 8pt"><SUP>(1)</SUP> BMO Capital Markets Corp. (&ldquo;<B>BMOCM</B>&rdquo;), our subsidiary, is the agent for the distribution of the notes. See &ldquo;Supplemental Plan of Distribution&rdquo; in this pricing supplement for further information. </FONT></TD></TR>
  </TABLE>
<P STYLE="font: 14pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><FONT STYLE="font-style: normal"><B>BMO
CAPITAL MARKETS</B></FONT></P>

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

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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: left"><FONT STYLE="font-style: normal"><B></B></FONT></P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-style: normal"><B>Terms of the
Notes</B></FONT></P>

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse; font-size: 10pt">
  <TR>
    <TD STYLE="width: 19%"><B>Issuer:</B></TD>
    <TD STYLE="width: 81%">Bank of Montreal </TD></TR>
  <TR>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR>
    <TD><B>Underlier:</B></TD>
    <TD>MSCI EAFE Index<SUP>&reg;</SUP> (Bloomberg ticker symbol: MXEA)</TD></TR>
  <TR>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR>
    <TD><B>Trade Date:</B></TD>
    <TD>November 25, 2025</TD></TR>
  <TR>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR>
    <TD><B>Original Issue <BR>
Date:</B></TD>
    <TD>December 1, 2025 </TD></TR>
  <TR>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR>
    <TD><B>Determination <BR>
Date:</B></TD>
    <TD>January 19, 2028, subject to postponement as described under &ldquo;&mdash;Market Disruption Events and Postponement Provisions&rdquo; below.</TD></TR>
  <TR>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR>
    <TD><B>Stated Maturity <BR>
Date:</B></TD>
    <TD>January 21, 2028, subject to postponement as described under &ldquo;&mdash;Market Disruption Events and Postponement Provisions&rdquo; below. </TD></TR>
  <TR>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR>
    <TD><B>Principal Amount: </B></TD>
    <TD>$1,000 per note. </TD></TR>
  <TR>
    <TD><B>Cash Settlement <BR>
Amount:</B></TD>
    <TD>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">On the stated maturity date, you will receive a cash payment in U.S.
    dollars equal to the cash settlement amount. The cash settlement amount per note will equal:</P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.25in; text-indent: -0.25in">&#9679;&nbsp;&nbsp;&nbsp;&nbsp;if the final underlier
    level is <I>greater than </I>or <I>equal to </I>the cap level, the maximum settlement amount;</P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.25in; text-indent: -0.25in">&nbsp;</P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.25in; text-indent: -0.25in">&#9679;&nbsp;&nbsp;&nbsp;&nbsp;if the final underlier
    level is <I>greater than</I> the initial underlier level but <I>less than</I> the cap level, the <I>sum</I> of (i) $1,000 <I>plus</I>
    (ii) the <I>product</I> of (a) $1,000 <I>times</I> (b) the upside participation rate <I>times</I> (c) the underlier return;</P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.25in; text-indent: -0.25in">&nbsp;</P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.25in; text-indent: -0.25in">&#9679;&nbsp;&nbsp;&nbsp;&nbsp;if the final underlier
    level is <I>equal to</I> or <I>less than</I> the initial underlier level but <I>greater than</I> or <I>equal to</I> the buffer level,
    $1,000; or</P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.25in; text-indent: -0.25in">&nbsp;</P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.25in; text-indent: -0.25in">&#9679;&nbsp;&nbsp;&nbsp;&nbsp;if the final underlier
    level is <I>less than</I> the buffer level, the <I>sum</I> of (i) $1,000 <I>plus</I> (ii) the <I>product</I> of (a) $1,000 <I>times</I>
    (b) the buffer rate <I>times </I>(c) the <I>sum</I> of the underlier return <I>plus</I> the buffer amount.</P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.25in; text-indent: -0.25in">&nbsp;</P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>If the final underlier level is less than the buffer level, you
    will lose some, and possibly all, of the principal amount of your notes at maturity.</B></P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P></TD></TR>
  <TR>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR>
    <TD><B>Initial Underlier <BR>
Level:</B></TD>
    <TD>2,754.44, the closing level of the underlier on the trade date</TD></TR>
  <TR>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR>
    <TD><B>Final Underlier <BR>
Level:</B></TD>
    <TD>the closing level of the underlier on the determination date. </TD></TR>
  <TR>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR>
    <TD><B>Cap Level:</B></TD>
    <TD>3,191.294184, which is 115.86% of the initial underlier level</TD></TR>
  <TR>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR>
    <TD><B>Maximum <BR>
Settlement <BR>
Amount: </B></TD>
    <TD>$1,253.76 per note</TD></TR>
  <TR>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR>
    <TD><B>Upside <BR>
Participation <BR>
Rate:</B></TD>
    <TD>160%</TD></TR>
  <TR>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR>
    <TD><B>Underlier Return:</B></TD>
    <TD>the <I>quotient</I> of (i)&nbsp;the final underlier level <I>minus </I>the initial underlier level <I>divided </I>by (ii) the initial underlier level, expressed as a percentage</TD></TR>
  <TR>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR>
    <TD><B>Buffer Level:</B></TD>
    <TD>2,341.274, which is equal to 85.00% of the initial underlier level</TD></TR>
  <TR>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR>
    <TD><B>Buffer Rate:</B></TD>
    <TD>the <I>quotient </I>of the initial underlier level <I>divided </I>by the buffer level, which equals approximately 117.65%</TD></TR>
  <TR>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR>
    <TD><B>Buffer Amount:</B></TD>
    <TD>15.00%</TD></TR>
</TABLE>

<P STYLE="margin: 0">&nbsp;</P>

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<P STYLE="margin: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse; font-size: 10pt">
  <TR>
    <TD STYLE="width: 19%"><B>Closing Level:</B></TD>
    <TD STYLE="width: 81%">Closing level has the meaning set forth under &ldquo;General Terms of the Notes&mdash;Certain Terms for Notes Linked to an Index&mdash;Certain Definitions&rdquo; in the accompanying product supplement.</TD></TR>
  <TR>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR>
    <TD><B>Calculation <BR>
Agent:</B></TD>
    <TD>BMO Capital Markets Corp. (&ldquo;<B>BMOCM</B>&rdquo;) </TD></TR>
  <TR>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR>
    <TD><B>Material Tax <BR>
Consequences: </B></TD>
    <TD>For a discussion of material U.S. federal income tax consequences and Canadian federal income tax consequences of the ownership and disposition of the notes, see &ldquo;United States Federal Income Tax Considerations&rdquo; below and the sections of the product supplement entitled &ldquo;United States Federal Income Tax Considerations&rdquo; and &ldquo;Canadian Federal Income Tax Consequences.&rdquo;</TD></TR>
  <TR>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR>
    <TD><B>Market Disruption <BR>
Events and <BR>
Postponement <BR>
Provisions: </B></TD>
    <TD>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">The determination date is subject to postponement due to non-scheduled
    trading days and the occurrence of a market disruption event. In addition, the stated maturity date will be postponed if the determination
    date is postponed and will be adjusted for non-business days.</P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">For more information regarding adjustments to the determination date
    and the stated maturity date, see &ldquo;General Terms of the Notes&mdash;Consequences of a Market Disruption Event; Postponement of a
    Valuation Date&mdash;Notes Linked to a Single Underlier&rdquo; and &ldquo;&mdash;Payment Dates&rdquo; in the accompanying product supplement.
    For purposes of the accompanying product supplement the determination date is a &ldquo;valuation date&rdquo; and the stated maturity date
    is a &ldquo;payment date.&rdquo; In addition, for information regarding the circumstances that may result in a market disruption event,
    see &ldquo;General Terms of the Notes&mdash;Certain Terms for Notes Linked to an Index&mdash;Market Disruption Events&rdquo; in the accompanying
    product supplement.</P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P></TD></TR>
  <TR>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR>
    <TD><B>Supplemental <BR>
Provisions:</B></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif">For purposes of the notes, the provisions set forth under &ldquo;General Terms of the Notes&mdash;Change-in-Law Events&rdquo; in the accompanying product supplement are not applicable.</FONT></TD></TR>
  <TR>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR>
    <TD><B>Denominations: </B></TD>
    <TD>$1,000 and any integral multiple of $1,000.</TD></TR>
  <TR>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR>
    <TD><B>CUSIP / ISIN:</B></TD>
    <TD>06376J4Q1 / US06376J4Q14</TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

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<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">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>Additional Information about the Issuer and
the Notes</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">You should read this pricing supplement together with product supplement
no. ELN-1 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 notes. 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: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Our Central Index Key, or CIK, on the SEC website is 927971. When we
refer to &ldquo;we,&rdquo; &ldquo;us&rdquo; or &ldquo;our&rdquo; in this pricing supplement, we refer only to Bank of Montreal.</P>

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

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt 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><FONT STYLE="font-family: Times New Roman, Times, Serif">Product Supplement No. ELN-1 dated March 25, 2025:</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in"><A HREF="https://www.sec.gov/Archives/edgar/data/927971/000121465925004723/o321252424b2.htm">https://www.sec.gov/Archives/edgar/data/927971/000121465925004723/o321252424b2.htm</A></P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt 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><FONT STYLE="font-family: Times New Roman, Times, Serif">Underlying Supplement No. ELN-1 dated March 25, 2025:</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in"><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></P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt 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><FONT STYLE="font-family: Times New Roman, Times, Serif">Prospectus Supplement and Prospectus dated March 25, 2025:</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in"><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: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

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<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"><B>&nbsp;</B></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>Estimated Value of the <FONT STYLE="font-family: Times New Roman, Times, Serif">Notes</FONT></B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Our estimated initial value of the notes equals
the sum of the values of the following hypothetical components:</P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt 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><FONT STYLE="font-family: Times New Roman, Times, Serif">a fixed-income debt component with the same tenor as the notes, valued using
our internal funding rate for structured notes; and</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt 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><FONT STYLE="font-family: Times New Roman, Times, Serif">one or more derivative transactions relating to the economic terms of the
notes.</FONT></TD></TR></TABLE>

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

<P STYLE="font: 10pt 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 notes is based on market conditions at the time it is calculated.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">For more information about the estimated initial
value of the notes, see &ldquo;Selected Risk Considerations&rdquo; below.</P>

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

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<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">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-style: normal"><B>Hypothetical
Examples</B></FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">The following examples are provided for purposes of illustration only.
The examples should not be taken as an indication or prediction of future investment results and are intended merely to illustrate the
impact that the various hypothetical final underlier levels on the determination date could have on the cash settlement amount at maturity,
assuming all other variables remain constant and are not intended to predict the actual final underlier level.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">The information in the following examples reflects hypothetical rates
of return on the notes assuming that they are purchased on the original issue date at a price equal to the principal amount and held to
the stated maturity date. If you sell your notes in any secondary market prior to the stated maturity date, your return will depend upon
the market value of your notes at the time of sale, which may be affected by a number of factors that are not reflected in the examples
below. Such factors are described under &ldquo;Selected Risk Considerations&mdash;The Value of the Notes Prior to Maturity Will Be Affected
by Numerous Factors, Some of Which Are Related in Complex Ways&rdquo; below. In addition, the estimated value of the notes will be less
than the original issue price. For more information on the estimated value of your notes, see &ldquo;Estimated Value of the Notes&rdquo;
above and &ldquo;Selected Risk Considerations&rdquo; below.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">The information in the examples also reflects the key terms and assumptions
in the box below.</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; font-size: 10pt">
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="2" STYLE="border-top: Black 1pt solid; border-right: Black 1pt solid; border-left: Black 1pt solid"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-style: normal"><B>Key Terms and Assumptions</B></FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 29%; border-left: Black 1pt solid"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-style: normal; font-weight: normal">Principal amount</FONT></TD>
    <TD STYLE="width: 71%; border-right: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-style: normal; font-weight: normal">$1,000</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="border-left: Black 1pt solid"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-style: normal; font-weight: normal">Upside participation rate</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-style: normal; font-weight: normal">160%</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="border-left: Black 1pt solid"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-style: normal; font-weight: normal">Cap level</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-style: normal; font-weight: normal">115.86% of the initial underlier level</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="border-left: Black 1pt solid"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-style: normal; font-weight: normal">Maximum settlement amount</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-style: normal; font-weight: normal">$</FONT><FONT STYLE="font-family: Times New Roman, Times, Serif">1,253.76</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="border-left: Black 1pt solid"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-style: normal; font-weight: normal">Buffer level</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-style: normal; font-weight: normal">85.00% of the initial underlier level</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="border-left: Black 1pt solid"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-style: normal; font-weight: normal">Buffer rate</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-style: normal; font-weight: normal">approximately 117.65%</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="border-left: Black 1pt solid"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-style: normal; font-weight: normal">Buffer amount</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-style: normal; font-weight: normal">15.00%</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="border-left: Black 1pt solid">&nbsp;</TD>
    <TD STYLE="border-right: Black 1pt solid; text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="2" STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-style: normal; font-weight: normal">Neither a market disruption event nor a non-scheduled trading day occurs on the originally scheduled determination date</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="2" STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-style: normal; font-weight: normal">No change in or affecting any of the securities included in the underlier or the method by which the index sponsor calculates the underlier</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="2" STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="2" STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-style: normal; font-weight: normal">Notes purchased on original issue date at a price equal to the principal amount and held to the stated maturity date &nbsp;</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">The actual performance of the underlier over the term of your notes,
as well as the actual cash settlement amount, if any, may bear little relation to the hypothetical examples shown below or to the historical
closing levels of the underlier shown elsewhere in this pricing supplement. For information about the historical closing levels of the
underlier during recent periods, see &ldquo;The Underlier&mdash;Historical Information&rdquo; below.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Also, the hypothetical examples shown below do not take into account
the effects of applicable taxes.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">The levels in the left column of the table below represent hypothetical
final underlier levels and are expressed as percentages of the initial underlier level. The amounts in the right column represent the
hypothetical cash settlement amounts, based on the corresponding hypothetical final underlier level (expressed as a percentage of the
initial underlier level), and are expressed as percentages of the principal amount of a note (rounded to the nearest one-thousandth of
a percent). Thus, a hypothetical cash settlement amount of 100.000% means that the value of the cash payment that we would deliver for
each $1,000 of the outstanding principal amount of the notes on the stated maturity date would equal 100.000% of the principal amount
of a note, based on the corresponding hypothetical final underlier level and the assumptions noted above.</P>

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

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<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">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse; font-size: 10pt">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 51%; border-bottom: black 1pt solid">
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>Hypothetical Final Underlier Level</B></P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>(as a Percentage of the Initial Underlier Level)</B></P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P></TD>
    <TD STYLE="width: 49%; border-bottom: black 1pt solid">
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>Hypothetical Cash Settlement Amount</B></P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>(as a Percentage of the Principal Amount)</B></P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-style: normal; font-weight: normal">200.000%</FONT></TD>
    <TD STYLE="text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-style: normal; font-weight: normal">125.376%</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-style: normal; font-weight: normal">175.000%</FONT></TD>
    <TD STYLE="text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-style: normal; font-weight: normal">125.376%</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-style: normal; font-weight: normal">160.000%</FONT></TD>
    <TD STYLE="text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-style: normal; font-weight: normal">125.376%</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-style: normal; font-weight: normal">150.000%</FONT></TD>
    <TD STYLE="text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-style: normal; font-weight: normal">125.376%</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-style: normal; font-weight: normal">140.000%</FONT></TD>
    <TD STYLE="text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-style: normal; font-weight: normal">125.376%</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-style: normal; font-weight: normal">130.000%</FONT></TD>
    <TD STYLE="text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-style: normal; font-weight: normal">125.376%</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-style: normal; font-weight: normal">120.000%</FONT></TD>
    <TD STYLE="text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-style: normal; font-weight: normal">125.376%</FONT></TD></TR>
  <TR STYLE="vertical-align: top; background-color: #BFBFBF">
    <TD STYLE="text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-style: normal"><B>115.860%</B></FONT></TD>
    <TD STYLE="text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-style: normal"><B>125.376%</B></FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-style: normal; font-weight: normal">110.000%</FONT></TD>
    <TD STYLE="text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-style: normal; font-weight: normal">116.000%</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-style: normal; font-weight: normal">105.000%</FONT></TD>
    <TD STYLE="text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-style: normal; font-weight: normal">108.000%</FONT></TD></TR>
  <TR STYLE="vertical-align: top; background-color: silver">
    <TD STYLE="text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-style: normal"><B>100.000%</B></FONT></TD>
    <TD STYLE="text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-style: normal"><B>100.000%</B></FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-style: normal; font-weight: normal">95.000%</FONT></TD>
    <TD STYLE="text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-style: normal; font-weight: normal">100.000%</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-style: normal; font-weight: normal">90.000%</FONT></TD>
    <TD STYLE="text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-style: normal; font-weight: normal">100.000%</FONT></TD></TR>
  <TR STYLE="vertical-align: top; background-color: #BFBFBF">
    <TD STYLE="text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-style: normal"><B>85.000%</B></FONT></TD>
    <TD STYLE="text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-style: normal"><B>100.000%</B></FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-style: normal; font-weight: normal">80.000%</FONT></TD>
    <TD STYLE="text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-style: normal; font-weight: normal">94.118%</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-style: normal; font-weight: normal">75.000%</FONT></TD>
    <TD STYLE="text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-style: normal; font-weight: normal">88.235%</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-style: normal; font-weight: normal">50.000%</FONT></TD>
    <TD STYLE="text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-style: normal; font-weight: normal">58.824%</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-style: normal; font-weight: normal">25.000%</FONT></TD>
    <TD STYLE="text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-style: normal; font-weight: normal">29.412%</FONT></TD></TR>
  <TR STYLE="vertical-align: top; background-color: silver">
    <TD STYLE="text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-style: normal"><B>0.000%</B></FONT></TD>
    <TD STYLE="text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-style: normal"><B>0.000%</B></FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">As shown in the table above:</P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt 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; font-weight: normal">&middot;</FONT></TD><TD>If the final underlier level were determined to be 25.000% of the initial underlier level, the cash settlement amount that we would
deliver on your notes at maturity would be approximately 29.412% of the principal amount of your notes. As a result, if you purchased
your notes on the original issue date at the principal amount and held them to the stated maturity date, you would lose approximately
70.588% of your investment.</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt 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><FONT STYLE="font-family: Times New Roman, Times, Serif; font-weight: normal">If the final underlier level were determined to be 0.000%
of the initial underlier level, you would lose your entire investment in the notes.</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt 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>If the final underlier level were determined to be <FONT STYLE="font-family: Times New Roman, Times, Serif; font-weight: normal">200.000</FONT>%
of the initial underlier level, the cash settlement amount that we would deliver on your notes at maturity would be capped at the maximum
settlement amount, or <FONT STYLE="font-family: Times New Roman, Times, Serif; font-weight: normal">125.376% </FONT>of each $1,000 principal
amount of your notes. As a result, if you held your notes to the stated maturity date, you would not benefit from any increase in the
final underlier level over 115.860% of the initial underlier level, regardless of the extent of that increase.</TD></TR></TABLE>

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

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<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">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">The following chart shows a graphical illustration of the hypothetical
cash settlement amounts (expressed as percentages of the principal amount of your notes) that we would pay on your notes on the stated
maturity date, if the final underlier level (expressed as percentages of the initial underlier level) were any of the hypothetical levels
shown on the horizontal axis. The chart shows that any hypothetical final underlier level of less than 85.000% (the section left of the
85.000% marker on the horizontal axis) would result in a hypothetical cash settlement amount of less than 100.000% of the principal amount
of your notes (the section below the 100.000% marker on the vertical axis) and, accordingly, in a loss of principal to the holder of the
notes. The chart also shows that any hypothetical final underlier level of greater than or equal to 115.860% (the section right of the
115.860% marker on the horizontal axis) would result in a capped return on your investment.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><IMG SRC="z1126251424b2_ps8.jpg" ALT=""></P>

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

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

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-style: normal"><B>Selected Risk
Considerations</B></FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">The notes involve risks not associated with an
investment in conventional debt securities. Some of the risks that apply to an investment in the notes are summarized below, but we urge
you to read the more detailed explanation of the risks relating to the notes 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 notes in light of your particular circumstances.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B><U>Risks Relating To The Notes Generally</U></B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: left"><B>If The Final Underlier Level Is Less Than The
Buffer Level, You Will Lose Some, And Possibly All, Of The Principal Amount Of Your Notes At Maturity. </B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">We will not repay you a fixed amount on the notes on the stated maturity
date. The cash settlement amount will depend on the direction of and percentage change in the final underlier level relative to the initial
underlier level and the other terms of the notes. Because the level of the underlier will be subject to market fluctuations, the cash
settlement amount may be more or less, and possibly significantly less, than the principal amount of your notes.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">If the final underlier level is less than the buffer level, the cash
settlement amount will be less than the principal amount and you will lose approximately 1.1765% of the principal amount for every 1%
that the final underlier level is less than the buffer level. As a result, if the final underlier level is less than the buffer level,
you will lose some, and possibly all, of the principal amount per note at maturity. This is the case even if the level of the underlier
is greater than or equal to the initial underlier level or the buffer level at certain times during the term of the notes.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Even if the final underlier level is greater than the initial underlier
level, the cash settlement amount may only be slightly greater than the principal amount, and your yield on the notes 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: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>Your Return Will Be Limited By The Maximum Settlement Amount And
May Be Lower Than The Return On A Direct Investment In The Securities Included In The Underlier.</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Your return on the notes will be subject to a maximum settlement amount.
The opportunity to participate in the possible increases in the level of the underlier through an investment in the notes will be limited
because the cash settlement amount will not exceed the maximum settlement amount. Therefore, your return on the notes may be lower than
the return on a direct investment in the securities included in the underlier. Furthermore, the effect of the upside participation rate
will be progressively reduced for all final underlier levels exceeding the final underlier level at which the maximum settlement amount
is reached, which we refer to as the cap level.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: left"><B>The Notes Do Not Pay Interest.</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">The notes will not pay any interest. Accordingly, you should not invest
in the notes if you seek current income during the term of the notes.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: left"><B>The Notes Are Subject To Credit Risk.</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">The notes are our obligations and are not, either directly or indirectly,
an obligation of any third party. Any amounts payable under the notes are subject to our creditworthiness and you will have no ability
to pursue any securities included in the underlier for payment. As a result, our actual and perceived creditworthiness may affect the
value of the notes and, in the event we were to default on our obligations under the notes, you may not receive any amounts owed to you
under the terms of the notes.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>The U.S. Federal Income Tax Consequences Of An Investment In The
Notes Are Unclear. </B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">There is no direct legal authority regarding the proper U.S. federal
income tax treatment of the notes and we do not plan to request a ruling from the Internal Revenue Service (the &ldquo;IRS&rdquo;) with
respect to the notes. Consequently, significant aspects of the tax treatment of the notes are uncertain, and the IRS or a court might
not agree with our intended treatment of them, as described in &ldquo;United States Federal Income Tax Considerations&rdquo; below. If
the IRS were successful in asserting an alternative treatment of the notes, the tax consequences of the ownership and disposition of the
notes, including the timing and character of income recognized by U.S. investors, and the withholding tax consequences to non-U.S. investors,
might be materially and adversely affected. Moreover, future legislation, Treasury regulations or IRS guidance could adversely affect
the U.S. federal income tax treatment of the notes, possibly retroactively.</P>

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

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<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">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">You should review carefully the sections of this pricing supplement
and the accompanying product supplement entitled &ldquo;United States Federal Income Tax Considerations&rdquo; and consult your tax advisor
regarding the U.S. federal income tax consequences of an investment in the notes, as well as tax consequences arising under the laws of
any state, local or non-U.S. taxing jurisdiction.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>The Stated Maturity Date Will Be Postponed If The Determination
Date Is Postponed.</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">The determination date will be postponed if the originally scheduled
determination date is not a scheduled trading day or if the calculation agent determines that a market disruption event has occurred or
is continuing on the determination date. If such a postponement occurs, the stated maturity date will be postponed. See &ldquo;General
Terms of the Notes&mdash;Consequences of a Market Disruption Event; Postponement of a Valuation Date&mdash;Notes Linked to a Single Underlier&rdquo;
and &ldquo;&mdash;Payment Dates&rdquo; in the accompanying product supplement.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B><U>Risks Relating To The Estimated Value Of The Notes And Any Secondary
Market</U></B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: left"><B>The Estimated Value Of The Notes On The Trade
Date, Based On Our Proprietary Pricing Models, Will Be Less Than The Original Issue Price.</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Our initial estimated value of the notes is only an estimate, and is
based on a number of factors. The original issue price of the notes may exceed our initial estimated value, because costs associated with
offering, structuring and hedging the notes are included in the original issue price, but are not included in the estimated value. These
costs will include any underwriting discount and selling concessions and the cost of hedging our obligations under the notes through one
or more hedge counterparties (which may be one or more of our 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: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: left"><B>The Terms Of The Notes Are Not Determined By Reference
To The Credit Spreads For Our Conventional Fixed-Rate Debt.</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">To determine the terms of the notes, 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 notes are less
favorable to you than if we had used a higher funding rate.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>The Estimated Value Of The Notes Is Not An Indication Of The Price,
If Any, At Which We, BMOCM Or Any Other Person May Be Willing To Buy The Notes From You In The Secondary Market.</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Our initial estimated value of the notes is derived using our internal
pricing models. This value is based on market conditions and other relevant factors, which include volatility of the underlier, dividend
rates and interest rates. Different pricing models and assumptions, including those used by other market participants, could provide values
for the notes that are greater than or less than our initial estimated value. In addition, market conditions and other relevant factors
after the trade date are expected to change, possibly rapidly, and our assumptions may prove to be incorrect. After the trade date, the
value of the notes 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 we, BMOCM or any other party would be willing
to purchase the notes from you in any secondary market transactions. Our initial estimated value does not represent a minimum price at
which we, BMOCM or any other party would be willing to buy your notes in any secondary market at any time.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">For a period of approximately 3 months following issuance of the notes,
the price, if any, at which we or our affiliates would be willing to buy the notes from investors, and the value that BMOCM may also publish
for the notes through one or more financial information vendors and which could be indicated for the notes on any brokerage account statements,
will reflect a temporary upward adjustment from our estimated value of the notes that would otherwise be determined and applicable at
that time. This temporary upward adjustment represents a portion of (a) the hedging profit that we or our affiliates expect to realize
over the term of the notes and (b) any underwriting discount and selling concessions paid in connection with this offering. The amount
of this temporary upward adjustment will decline to zero on a straight-line basis over the 3-month period.</P>

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

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<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">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: left"><B>The Value Of The Notes Prior To Maturity Will
Be Affected By Numerous Factors, Some Of Which Are Related In Complex Ways.</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: left">The value of the notes prior to stated maturity will
be affected by the then-current level of the underlier, 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 notes: performance of the
underlier; interest rates; volatility of the underlier; time remaining to maturity; currency exchange rates; and dividend yields on the
securities included in the underlier. When we refer to the &ldquo;value&rdquo; of your notes, we mean the value you could receive for
your notes if you are able to sell them in the open market before the stated maturity date.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: left">In addition to these factors, the value of the notes
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 notes attributable to another
factor, such as a change in the level of the underlier. Because numerous factors are expected to affect the value of the notes, changes
in the level of the underlier may not result in a comparable change in the value of the notes.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: left"><B>The Notes Will Not Be Listed On Any Securities
Exchange And We Do Not Expect A Trading Market For The Notes To Develop.</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">The notes will not be listed or displayed on any securities exchange.
Although the agent and/or its affiliates may purchase the notes from holders, they are not obligated to do so and are not required to
make a market for the notes. 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 notes, the price at which you may be able to sell your notes is likely to depend
on the price, if any, at which the agent is willing to buy your notes.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">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 notes prior to maturity. This may affect the price you receive upon such
sale. Consequently, you should be willing to hold the notes to maturity.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B><U>Risks Relating To The Underlier</U></B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>The Cash Settlement Amount Will Depend Upon The Performance Of The
Underlier And Therefore The Notes Are Subject To The Following Risks, Each As Discussed In More Detail In The Accompanying Product Supplement.</B></P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt 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><B>Investing In The Notes Is Not The Same As Investing In The Underlier. </B>Investing in the notes is not equivalent to investing
in the underlier. As an investor in the notes, your return will not reflect the return you would realize if you actually owned and held
the securities included in the underlier for a period similar to the term of the notes because you will not receive any dividend payments,
distributions or any other payments paid on those securities. As a holder of the notes, you will not have any voting rights or any other
rights that holders of the securities included in the underlier would have.</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt 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><B>Historical Levels Of The Underlier Should Not Be Taken As An Indication Of The Future Performance Of The Underlier During The Term
Of The Notes.</B></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt 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><B>Changes That Affect The Underlier May Adversely Affect The Value Of The Notes And The Cash Settlement Amount.</B></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt 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><B>We Cannot Control Actions By Any Of The Unaffiliated Companies Whose Securities Are Included In The Underlier.</B></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt 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><B>We And Our Affiliates Have No Affiliation With The Index Sponsor And Have Not Independently Verified Its Public Disclosure Of Information.</B></TD></TR></TABLE>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>The Notes Are Subject To Risks Relating To Non-U.S. Securities Markets
With Respect To The Underlier.</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">The equity securities composing the underlier 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.&nbsp;</P>

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


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<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">&nbsp;</P>

<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"><B>The Notes Are Subject To Currency Exchange Rate Risk With Respect
To The Underlier.</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">The underlier is composed of non-U.S. equity securities denominated
in a non-U.S. currency and the prices of those securities are converted into U.S. dollars for purposes of calculating the level of the
underlier. Therefore, investors in the notes will be exposed to currency exchange rate risk with respect to each of the currencies in
which the non-U.S. equity securities included in the underlier trade. An investor&rsquo;s net exposure will depend on the extent to which
the currencies of the non-U.S. equity securities included in the underlier strengthen or weaken against the U.S. dollar and the relative
weight of the non-U.S. equity securities denominated in those currencies. If, taking into account that weighting, the dollar strengthens
against the currencies of the non-U.S. equity securities included in the underlier, the value of the underlier will be adversely affected
and any amounts payable on the notes may be reduced.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B><U>Risks Relating To Conflicts Of Interest</U></B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>Our Economic Interests And Those Of Any Dealer Participating In
The Offering Are Potentially Adverse To Your Interests.</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">You should be aware of the following ways in which our economic interests
and those of any dealer participating in the distribution of the notes, which we refer to as a &ldquo;participating dealer,&rdquo; are
potentially adverse to your interests as an investor in the notes. 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 notes, and in so doing they will have no obligation to consider your interests
as an investor in the notes. 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 notes.</P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt 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><B>The calculation agent is our affiliate and may be required to make discretionary judgments that affect the return you receive on
the notes.</B> BMOCM, which is our affiliate, will be the calculation agent for the notes. As calculation agent, BMOCM will determine
any values of the underlier and make any other determinations necessary to calculate any payments on the notes. In making these determinations,
BMOCM may be required to make discretionary judgments that may adversely affect any payments on the notes. See the sections entitled &ldquo;General
Terms of the Notes&mdash;Certain Terms for Notes Linked to an Index&mdash;Market Disruption Events&rdquo; and &ldquo;&mdash;Discontinuance
of, or Adjustments to, 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 notes, and BMOCM&rsquo;s
determinations as calculation agent may adversely affect your return on the notes.</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt 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><B>The estimated value of the notes was calculated by us and is therefore not an independent third-party valuation.</B></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt 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><B>Research reports by our affiliates or any participating dealer or its affiliates may be inconsistent with an investment in the
notes and may adversely affect the level of the underlier.</B></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt 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><B>Business activities of our affiliates or any participating dealer or its affiliates with the companies whose securities are included
in the underlier may adversely affect the level of the underlier.</B></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt 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><B>Hedging activities by our affiliates or any participating dealer or its affiliates may adversely affect the level of the underlier.</B></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt 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><B>Trading activities by our affiliates or any participating dealer or its affiliates may adversely affect the level of the underlier.</B></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt 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><B>A participating dealer or its affiliates may realize hedging profits projected by its proprietary pricing models in addition to
any selling concession and/or fee, creating a further incentive for the participating dealer to sell the notes to you. </B><BR STYLE="clear: both">
</TD></TR></TABLE>

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

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<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">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-style: normal"><B>The Underlier</B></FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">The MSCI EAFE Index<SUP>&reg;</SUP> is a free float-adjusted market
capitalization index compiled by MSCI that is designed to measure developed market equity performance, excluding the United States and
Canada. For more information about the MSCI EAFE Index<SUP>&reg;</SUP>, see &ldquo;Description of Indices&mdash;The MSCI Indices&rdquo;
in the accompanying underlying supplement.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: left"><B>Historical Information</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">We obtained the closing levels of the underlier in the graph below
from Bloomberg Finance L.P., without independent verification.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">The following graph sets forth daily closing levels of the underlier
for the period from January 2, 2020 to November 25, 2025. The closing level on November 25, 2025 was 2,754.44. The historical performance
of the underlier should not be taken as an indication of its future performance during the term of the notes.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-style: normal"><B><IMG SRC="z1126251424b2_ps13.jpg" ALT=""></B></FONT></P>

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

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

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<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">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>United States Federal Income Tax Considerations</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Although there is uncertainty regarding the U.S. federal income tax
consequences of an investment in the notes due to the lack of governing authority, in the opinion of our counsel Davis Polk &amp; Wardwell
LLP, under current law, and based on current market conditions, it is reasonable to treat a note as a single financial contract that is
an &ldquo;open transaction&rdquo; for U.S. federal income tax purposes. Assuming this treatment of the notes is respected, the tax consequences
are as outlined in the discussion under &ldquo;United States Federal Income Tax Considerations&mdash;Tax Consequences to U.S. Holders&mdash;Notes
Treated as Open Transactions&rdquo; in the accompanying product supplement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">We do not plan to request a ruling from the Internal Revenue Service
(the &ldquo;IRS&rdquo;) regarding the treatment of the notes. If the IRS were successful in asserting an alternative treatment of the
notes, the tax consequences of the ownership and disposition of the notes, including the timing and character of income recognized by
U.S. investors, and the withholding tax consequences to non-U.S. investors, might be materially and adversely affected. For example, under
one alternative characterization the notes may be treated as contingent payment debt instruments, which among other things, would require
U.S. investors to accrue income periodically based on a &ldquo;comparable yield&rdquo; and generally would require non-U.S. investors
to certify their non-U.S. status on an IRS Form W-8 to avoid a 30% (or a lower treaty rate) U.S. withholding tax. In addition, the U.S.
Treasury Department and the IRS have requested comments on various issues regarding the U.S. federal income tax treatment of &ldquo;prepaid
forward contracts&rdquo; and similar financial instruments and have indicated that such transactions may be the subject of future regulations
or other guidance. Furthermore, members of Congress have proposed legislative changes to the tax treatment of derivative contracts. Any
legislation, Treasury regulations or other guidance promulgated after consideration of these issues could materially and adversely affect
the tax consequences of an investment in the notes, possibly with retroactive effect.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">As discussed in the accompanying product supplement, Section 871(m)
of the Code and the Treasury regulations thereunder (&ldquo;Section 871(m)&rdquo;) generally impose a 30% (or lower treaty rate) withholding
tax on &ldquo;dividend equivalents&rdquo; paid or deemed paid to non-U.S. investors 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 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. Pursuant to an IRS notice, Section 871(m) will not apply to securities issued before January
1, 2027 that do not have a delta of one with respect to any underlying security. Based on our determination that the notes do not have
a delta of one with respect to any underlying security, the notes should not be subject to Section 871(m). Our determination is not binding
on the IRS, and the IRS may disagree with this determination. Section 871(m) is complex and its application may depend on a non-U.S. investor&rsquo;s
particular circumstances, including whether the non-U.S. investor enters into other transactions with respect to an underlying security.
If withholding is required, we will not be required to pay any additional amounts with respect to the amounts so withheld. Non-U.S. investors
should consult their tax advisors regarding the potential application of Section 871(m) to the notes.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Both U.S. and non-U.S. investors considering an investment in the notes
should read the discussion under &ldquo;United States Federal Income Tax Considerations&rdquo; in the accompanying product supplement
and consult their tax advisors regarding all aspects of the U.S. federal income tax consequences of an investment in the notes, including
possible alternative treatments, and any tax consequences arising under the laws of any state, local or non-U.S. taxing jurisdiction.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"></P>

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

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

<P STYLE="font: 10pt 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"><B>Supplemental Plan of Distribution</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">BMOCM, our subsidiary, is the agent for the distribution of the notes
and will purchase the notes at the original issue price specified on the cover page of this pricing supplement. BMOCM will not receive
an underwriting discount in connection with the sale of the notes. BMOCM may resell the notes to other securities dealers at the original
issue price of the notes. A fee will be paid to iCapital Markets LLC, an electronic platform in which an affiliate of Goldman Sachs &amp;
Co. LLC, who is acting as a dealer in connection with the distribution of the notes, holds an indirect minority equity interest, for services
it is providing in connection with this offering.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: left">We expect to hedge our obligations through one or
more hedge counterparties (which may be one or more of our affiliates). The agent or another affiliate of ours expects to realize hedging
profits projected by its proprietary pricing models to the extent it assumes the risks inherent in hedging our obligations under the notes.
If any dealer participating in the distribution of the notes or any of its affiliates conducts hedging activities for us in connection
with the notes, that dealer or its affiliate will expect to realize a profit projected by its proprietary pricing models from such hedging
activities. Any such projected profit will be in addition to any discount or concession received in connection with the sale of the notes
to you.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: left">BMOCM may, but is not obligated to, make a market
in the notes. BMOCM will determine any secondary market prices that it is prepared to offer in its sole discretion.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: left">For a period of approximately 3 months following
issuance of the notes, the price, if any, at which we or our affiliates would be willing to buy the notes from investors, and the value
that BMOCM may also publish for the notes through one or more financial information vendors and which could be indicated for the notes
on any brokerage account statements, will reflect a temporary upward adjustment from our estimated value of the notes that would otherwise
be determined and applicable at that time. This temporary upward adjustment represents a portion of (a) the hedging profit that we or
our affiliates expect to realize over the term of the notes and (b) any underwriting discount and selling concessions paid in connection
with this offering. The amount of this temporary upward adjustment will decline to zero on a straight-line basis over the 3 month period.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">We may use this pricing supplement in the initial sale of the notes.
In addition, BMOCM or another of our affiliates may use this pricing supplement in market-making transactions in any notes after their
initial sale. Unless BMOCM or we inform you otherwise in the confirmation of sale, this pricing supplement is being used by BMOCM in a
market-making transaction.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">See &ldquo;Supplemental Plan of Distribution&rdquo; in the accompanying
product supplement, &ldquo;Supplemental Plan of Distribution (Conflicts of Interest) in the accompanying prospectus supplement and &ldquo;Plan
of Distribution (Conflicts of Interest)&rdquo; in the accompanying prospectus for more information.</P>

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

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<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">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>Validity of the Notes</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: left">In the opinion of Osler, Hoskin &amp; Harcourt LLP,
the issue and sale of the notes 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 notes,
the notes will have been validly executed, authenticated, issued and delivered, to the extent that validity of the notes 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.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: left">In the opinion of Davis Polk &amp; Wardwell LLP,
as special United States products counsel to the Bank of Montreal, when the notes 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 notes (the &ldquo;master note&rdquo;), and such notes have been delivered against payment as contemplated herein,
such notes 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.</P>

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

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

<P STYLE="text-align: center; margin-top: 0; margin-bottom: 0">PS-16</P>

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

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end
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<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
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<head>
<title></title>
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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. 28, 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>
</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_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>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>ffd:feeExhibitTypeItemType</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_FormTp">
<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_FormTp</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:submissionTypeItemType</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_OfferingTableNa">
<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_OfferingTableNa</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>
</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_OffsetTableNa">
<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_OffsetTableNa</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>
</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_RegnFileNb">
<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_RegnFileNb</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:fileNumberItemType</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_SubmissionLineItems">
<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_SubmissionLineItems</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>xbrli:stringItemType</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_SubmissnTp">
<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_SubmissnTp</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:submissionTypeItemType</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>
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<head>
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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>Fees Summary<br></strong></div></th>
<th class="th">
<div>Nov. 28, 2025 </div>
<div>USD ($)</div>
</th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ffd_FeesSummaryLineItems', window );"><strong>Fees Summary [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ffd_NrrtvDsclsr', window );">Narrative Disclosure</a></td>
<td class="text">&#160;&#160;&#160;&#160;<span></span>
</td>
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<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ffd_NrrtvMaxAggtOfferingPric', window );">Narrative - Max Aggregate Offering Price</a></td>
<td class="nump">$ 4,463,000.00<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_FnlPrspctsFlg', window );">Final Prospectus</a></td>
<td class="text">true<span></span>
</td>
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</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ffd_FeesSummaryLineItems">
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Securities Act<br> -Number 230<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;">ffd_FeesSummaryLineItems</td>
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<td>na</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
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</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ffd_FnlPrspctsFlg">
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Securities Act<br> -Number 230<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;">ffd_FnlPrspctsFlg</td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ffd_NrrtvDsclsr">
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Securities Act<br> -Number 230<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;">ffd_NrrtvDsclsr</td>
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<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>
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</tr>
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<td><strong> Balance Type:</strong></td>
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<td><strong> Period Type:</strong></td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ffd_NrrtvMaxAggtOfferingPric">
<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>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Securities Act<br> -Number 230<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;">ffd_NrrtvMaxAggtOfferingPric</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td>na</td>
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<td><strong> Period Type:</strong></td>
<td>duration</td>
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</table></div>
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