<SEC-DOCUMENT>0001839882-25-064713.txt : 20251110
<SEC-HEADER>0001839882-25-064713.hdr.sgml : 20251110
<ACCEPTANCE-DATETIME>20251110154131
ACCESSION NUMBER:		0001839882-25-064713
CONFORMED SUBMISSION TYPE:	424B2
PUBLIC DOCUMENT COUNT:		19
FILED AS OF DATE:		20251110
DATE AS OF CHANGE:		20251110

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			BANK OF NOVA SCOTIA
		CENTRAL INDEX KEY:			0000009631
		STANDARD INDUSTRIAL CLASSIFICATION:	STATE COMMERCIAL BANKS [6022]
		ORGANIZATION NAME:           	02 Finance
		EIN:				134941099
		STATE OF INCORPORATION:			Z4
		FISCAL YEAR END:			1031

	FILING VALUES:
		FORM TYPE:		424B2
		SEC ACT:		1933 Act
		SEC FILE NUMBER:	333-282565
		FILM NUMBER:		251465916

	BUSINESS ADDRESS:	
		STREET 1:		40 TEMPERANCE STREET
		CITY:			TORONTO
		STATE:			A6
		ZIP:			M5H 0B4
		BUSINESS PHONE:		(416) 866-3672

	MAIL ADDRESS:	
		STREET 1:		40 TEMPERANCE STREET
		CITY:			TORONTO
		STATE:			A6
		ZIP:			M5H 0B4

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	BANK OF NOVA SCOTIA /
		DATE OF NAME CHANGE:	19970702
</SEC-HEADER>
<DOCUMENT>
<TYPE>424B2
<SEQUENCE>1
<FILENAME>bns_424b2-37270.htm
<DESCRIPTION>FORM 424B2
<TEXT>
<HTML>
    <HEAD>
        <TITLE></TITLE>
<!-- QES 7h3d0c70r 1762484357.42247 -->
    </HEAD>
    <BODY style="text-decoration-skip-ink: none; ">

        <DIV style="margin: auto; width: 673.20pt; padding: 36pt 0; ">
            <DIV style="width: 595.21pt; padding: 13.53pt 39.00pt 0 39.00pt; min-height: 10.00pt; position: relative; ">
                <P style="text-align: center; margin-top: 0; margin-bottom: 0; "><FONT style="font-size: 7.0pt; font-family: Arial, sans-serif; ">&nbsp;</FONT></P>
                <DIV style="text-align: center; ">
                    <TABLE width="100.00%" style="margin-left: -5.94pt; width: 100.00%; table-layout: fixed; border-collapse: collapse; margin: 0 auto; ">
                        <TR>
                            <TD width="194.92pt" style="width: 194.92pt; border: 0; margin: 0; padding: 0; height: 0; ">
                            </TD>
                            <TD width="187.22pt" style="width: 187.22pt; border: 0; margin: 0; padding: 0; height: 0; ">
                            </TD>
                            <TD width="210.37pt" style="width: 210.37pt; border: 0; margin: 0; padding: 0; height: 0; ">
                            </TD>
                        </TR>
                        <TR style="vertical-align: top; ">
                            <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-top:  0.50pt solid black; border-bottom:  0.50pt solid black; border-left:  0.50pt solid black; border-right:  0.50pt solid black; ">
                                <P style="text-align: left; margin-top: 0; margin-bottom: 0; "><FONT style="font-size: 7.0pt; font-family: Arial, sans-serif; ">&nbsp;</FONT></P>
                            </TD>
                            <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-top:  0.50pt solid black; border-bottom:  0.50pt solid black; border-left:  0.50pt solid black; border-right:  0.50pt solid black; ">
                                <P style="text-align: center; margin-top: 0; margin-bottom: 0; "><FONT style="font-size: 7.0pt; font-family: Arial, sans-serif; ">&nbsp;</FONT></P>
                            </TD>
                            <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-top:  0.50pt solid black; border-bottom:  0.50pt solid black; border-right:  0.50pt solid black; border-left:  0.50pt solid black; ">
                                <P style="line-height: 1.35; text-align: right; margin-top: 0; margin-bottom: 0; "><FONT style="font-weight: bold; font-size: 7.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>Filed Pursuant to Rule 424(b)(2)</font><BR><font style='white-space: pre-wrap;'>Registration Statement No. 333-282565</font><BR><font style='white-space: pre-wrap;'>(To Prospectus dated November 8, 2024,</font><BR><font style='white-space: pre-wrap;'>Prospectus Supplement dated November 8, 2024 and</font><BR><font style='white-space: pre-wrap;'>Product Supplement STOCK STR-1 dated December 30, 2024)</font></FONT></P>
                            </TD>
                        </TR>
                    </TABLE>
                </DIV>
                <P style="text-align: left; margin-top: 0; margin-bottom: 0; "><FONT style="font-size: 7.0pt; font-family: Arial, sans-serif; ">&nbsp;</FONT></P>
            </DIV>
            <DIV style="width: 595.21pt; padding: 10pt 39.00pt 10pt 39.00pt; position: relative; margin-bottom: 20pt; ">
                <DIV style="float: left; ">
                    <TABLE width="100.00%" style="margin-left: -0pt; width: 100.00%;  border-collapse: collapse; ">
                        <TR>
                            <TD width="157.30pt" style="width: 157.30pt; border: 0; margin: 0; padding: 0; height: 0; ">
                            </TD>
                            <TD width="155.38pt" style="width: 155.38pt; border: 0; margin: 0; padding: 0; height: 0; ">
                            </TD>
                            <TD width="2.14pt" style="width: 2.14pt; border: 0; margin: 0; padding: 0; height: 0; ">
                            </TD>
                            <TD width="148.67pt" style="width: 148.67pt; border: 0; margin: 0; padding: 0; height: 0; ">
                            </TD>
                            <TD width="1.10pt" style="width: 1.10pt; border: 0; margin: 0; padding: 0; height: 0; ">
                            </TD>
                            <TD width="147.46pt" style="width: 147.46pt; border: 0; margin: 0; padding: 0; height: 0; ">
                            </TD>
                        </TR>
                        <TR style="vertical-align: top; ">
                            <TD colspan="3" rowspan="2" style="padding-top: 0.0pt; padding-left: 9.90pt; padding-right: 5.94pt; padding-bottom: 0.0pt; background-color: #1F497D; ">
                                <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><BR></FONT><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; "></FONT><FONT style="color: #FFFFFF; font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>1,356,117 Units</font><BR><font style='white-space: pre-wrap;'>$10 principal amount per unit</font><BR><font style='white-space: pre-wrap;'>CUSIP No. 06419E424    </font><BR>                                        <IMG width="341.72pt" height="49.55pt" src="image1.gif" style="width: 341.72pt; height: 49.55pt; ">
                                        </FONT></P>
                            </TD>
                            <TD colspan="2" style="padding-top: 0.0pt; padding-left: 9.90pt; padding-right: 5.94pt; padding-bottom: 0.0pt; background-color: #1F497D; ">
                                <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><BR></FONT><FONT style="color: #FFFFFF; font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Pricing Date</font><BR><font style='white-space: pre-wrap;'>Settlement Date</font><BR><font style='white-space: pre-wrap;'>Maturity Date</font></FONT></P>
                            </TD>
                            <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; background-color: #1F497D; ">
                                <P style="text-align: right; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><BR></FONT><FONT style="color: #FFFFFF; font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>November 6, 2025</font><BR><font style='white-space: pre-wrap;'>November 14, 2025</font></FONT></P>
                                <P style="text-align: right; margin-top: 0; margin-bottom: 0; "><FONT style="color: #FFFFFF; font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>November 27, 2028</font></FONT></P>
                            </TD>
                        </TR>
                        <TR style="vertical-align: top; ">
                            <TD colspan="3" style="padding-top: 0.0pt; padding-left: 9.90pt; padding-right: 5.94pt; padding-bottom: 0.0pt; background-color: #1F497D; ">
                                <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
                            </TD>
                        </TR>
                        <TR style="vertical-align: top; min-height: 3.30pt; ">
                            <TD style="padding-top: 0.0pt; padding-left: 9.90pt; padding-right: 5.94pt; padding-bottom: 0.0pt; background-color: #046E87; ">
                                <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-size: 1.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
                            </TD>
                            <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; background-color: #C87D0E; ">
                                <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-size: 1.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
                            </TD>
                            <TD colspan="2" style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; background-color: #5C255C; ">
                                <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-size: 1.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
                            </TD>
                            <TD colspan="2" style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; background-color: #61961A; ">
                                <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-size: 1.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
                            </TD>
                        </TR>
                        <TR style="vertical-align: top; min-height: 176.11pt; ">
                            <TD colspan="6" style="padding-top: 0.0pt; padding-left: 9.90pt; padding-right: 5.94pt; padding-bottom: 0.0pt; background-color: #1F497D; ">
                                <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-weight: bold; color: #FFFFFF; font-size: 21.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>Autocallable Strategic Accelerated Redemption Securities</font></FONT><FONT style="font-weight: bold; color: #FFFFFF; font-size: 19pt; vertical-align: super; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>&#174; </font></FONT><FONT style="font-weight: bold; color: #FFFFFF; font-size: 21.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>Linked to a Basket of Three Financial Sector Stocks</font></FONT></P>
                                <P style="text-align: justify; margin-top: 5.5pt; margin-bottom: 5.5pt; margin-left: 14.85pt; text-indent: -15.62pt; "><!--[if IE]<FONT style="display: inline-block; width: 15.62pt; text-indent: -15.62pt; "><![endif]--><FONT style="display: inline-block; width: 15.62pt; text-indent: 0; text-align: left; color: #FFFFFF; font-size: 7.5pt; ">&#65517;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-size: 7.5pt; color: #FFFFFF; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>Automatically callable if the Observation Level on any Observation Date, occurring approximately one, two and three years after the pricing date, is at or above the Starting Value</font></FONT></FONT></P>
                                <P style="text-align: justify; margin-top: 5.5pt; margin-bottom: 5.5pt; margin-left: 14.85pt; text-indent: -15.62pt; "><!--[if IE]<FONT style="display: inline-block; width: 15.62pt; text-indent: -15.62pt; "><![endif]--><FONT style="display: inline-block; width: 15.62pt; text-indent: 0; text-align: left; color: #FFFFFF; font-size: 7.5pt; ">&#65517;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-size: 7.5pt; color: #FFFFFF; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>In the event of an automatic call, the amount payable per unit will be:</font></FONT></FONT></P>
                                <P style="margin-top: 5.5pt; margin-bottom: 5.5pt; text-align: justify; margin-left: 39.60pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; color: #FFFFFF; font-size: 7.5pt; ">&#65517;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="color: #FFFFFF; font-size: 7.5pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>$12.04 if called on the first Observation Date</font></FONT></FONT></P>
                                <P style="margin-top: 5.5pt; margin-bottom: 5.5pt; text-align: justify; margin-left: 39.60pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; color: #FFFFFF; font-size: 7.5pt; ">&#65517;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="color: #FFFFFF; font-size: 7.5pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>$14.08 if called on the second Observation Date</font></FONT></FONT></P>
                                <P style="margin-top: 5.5pt; margin-bottom: 5.5pt; text-align: justify; margin-left: 39.60pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; color: #FFFFFF; font-size: 7.5pt; ">&#65517;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="color: #FFFFFF; font-size: 7.5pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>$16.12 if called on the final Observation Date</font></FONT></FONT></P>
                                <P style="margin-top: 5.5pt; margin-bottom: 5.5pt; text-align: justify; margin-left: 19.80pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; color: #FFFFFF; font-size: 7.5pt; ">&#65517;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="color: #FFFFFF; font-size: 7.5pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>The Basket is comprised of the common stocks of Ares Management Corporation, Citigroup Inc. and Blue Owl Capital Inc.  (the &#8220;Basket Stocks&#8221;). Each Basket Stock was given an approximately equal weight.</font></FONT></FONT></P>
                                <P style="text-align: justify; margin-top: 5.5pt; margin-bottom: 5.5pt; margin-left: 19.80pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; color: #FFFFFF; font-size: 7.5pt; ">&#65517;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-size: 7.5pt; color: #FFFFFF; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>If not called on either of the first two Observation Dates, a maturity of approximately three years </font></FONT></FONT></P>
                                <P style="text-align: justify; margin-top: 5.5pt; margin-bottom: 5.5pt; margin-left: 19.80pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; color: #FFFFFF; font-size: 7.5pt; ">&#65517;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-size: 7.5pt; color: #FFFFFF; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>If not called, 1-to-1 downside exposure to decreases in the Basket with up to 100.00% of your principal amount at risk</font></FONT></FONT></P>
                                <P style="text-align: justify; margin-top: 5.5pt; margin-bottom: 5.5pt; margin-left: 19.80pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; color: #FFFFFF; font-size: 7.5pt; ">&#65517;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-size: 7.5pt; color: #FFFFFF; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>All payments are subject to the credit risk of The Bank of Nova Scotia</font></FONT></FONT></P>
                                <P style="text-align: justify; margin-top: 5.5pt; margin-bottom: 5.5pt; margin-left: 19.80pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; color: #FFFFFF; font-size: 7.5pt; ">&#65517;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-size: 7.5pt; color: #FFFFFF; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>No periodic interest payments</font></FONT></FONT></P>
                                <P style="text-align: justify; margin-top: 5.5pt; margin-bottom: 5.5pt; margin-left: 19.80pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; color: #FFFFFF; font-size: 7.5pt; ">&#65517;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-size: 7.5pt; color: #FFFFFF; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>In addition to the underwriting discount set forth below, the notes include a hedging-related charge of $0.05 per unit. See &#8220;Structuring the Notes&#8221;</font></FONT></FONT></P>
                                <P style="text-align: justify; margin-top: 5.5pt; margin-bottom: 5.5pt; margin-left: 19.80pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; color: #FFFFFF; font-size: 7.5pt; ">&#65517;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-size: 7.5pt; color: #FFFFFF; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>Limited secondary market liquidity, with no exchange listing</font></FONT></FONT></P>
                                <P style="text-align: justify; margin-top: 5.5pt; margin-bottom: 5.5pt; margin-left: 19.80pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; color: #FFFFFF; font-size: 10.0pt; ">&#65517;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-size: 7.5pt; color: #FFFFFF; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>The notes are unsecured debt securities and are not savings accounts or insured deposits of a bank. The notes are not insured or guaranteed by the Canada Deposit Insurance Corporation (the &#8220;CDIC&#8221;), the U.S. Federal Deposit Insurance Corporation (the &#8220;FDIC&#8221;), or any other governmental agency of Canada, the United States or any other jurisdiction</font></FONT></FONT></P>
                            </TD>
                        </TR>
                        <TR style="vertical-align: top; min-height: 4.46pt; ">
                            <TD colspan="6" style="padding-top: 0.0pt; padding-left: 9.90pt; padding-right: 5.94pt; padding-bottom: 0.0pt; background-color: #B8CCE4; ">
                                <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #FFFFFF; font-size: 5.0pt; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
                            </TD>
                        </TR>
                    </TABLE>
                </DIV>
                <P style="margin-top: 2.64pt; margin-bottom: 2.64pt; text-align: justify; "><FONT style="font-weight: bold; font-size: 8.5pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>The notes are being issued by The Bank of Nova Scotia (&#8220;BNS&#8221;). There are important differences between the notes and a conventional debt security, including different investment risks and certain additional costs. See &#8220;Risk Factors&#8221; beginning on page TS-6 of this term sheet, &#8220;Additional Risk Factors&#8221; on page TS-7 of this term sheet and &#8220;Risk Factors&#8221; beginning on page PS-7 of product supplement STOCK STR-1.</font></FONT></P>
                <P style="margin-top: 1.1pt; margin-bottom: 2.64pt; text-align: justify; "><FONT style="font-weight: bold; font-size: 8.5pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>The initial estimated value of the notes as of the pricing date is $9.444 </font></FONT><FONT style="font-weight: bold; font-size: 8.5pt; background-color: white; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>per unit, which is less than the public offering price listed below. </font></FONT><FONT style="font-size: 8.5pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>See &#8220;Summary&#8221; on the following page, &#8220;Risk Factors&#8221; beginning on page TS-6 of this term sheet and &#8220;Structuring the Notes&#8221; on page TS-15 of this term sheet for additional information. The actual value of your notes at any time will reflect many factors and cannot be predicted with accuracy.</font></FONT></P>
                <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; text-align: center; "><FONT style="font-weight: bold; font-size: 8.5pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>_________________________</font></FONT></P>
                <P style="margin-top: 6.6pt; margin-bottom: 2.64pt; text-align: justify; "><FONT style="font-size: 8.5pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>None of the U.S. Securities and Exchange Commission (the &#8220;SEC&#8221;), any state securities commission, or any other regulatory body has approved or disapproved of these notes or determined if this Note Prospectus (as defined below) is truthful or complete. Any representation to the contrary is a criminal offense.</font></FONT></P>
                <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; text-align: center; "><FONT style="font-weight: bold; font-size: 8.5pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>_________________________</font></FONT></P>
                <TABLE width="75.00%" style="margin-left: auto; width: 75.00%; table-layout: fixed; border-collapse: collapse; margin-right: auto; ">
                    <TR>
                        <TD width="187.61pt" style="width: 187.61pt; border: 0; margin: 0; padding: 0; height: 0; ">
                        </TD>
                        <TD width="118.69pt" style="width: 118.69pt; border: 0; margin: 0; padding: 0; height: 0; ">
                        </TD>
                        <TD width="149.05pt" style="width: 149.05pt; border: 0; margin: 0; padding: 0; height: 0; ">
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; "><FONT style="font-size: 8.5pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; text-align: center; "><FONT style="font-size: 8.5pt; text-decoration-style: solid; text-decoration-line: underline; font-family: Arial, sans-serif; "><U><font style='white-space: pre-wrap;'>Per Unit</font></U></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; text-align: center; "><FONT style="font-size: 8.5pt; text-decoration-style: solid; text-decoration-line: underline; font-family: Arial, sans-serif; "><U><font style='white-space: pre-wrap;'>Total</font></U></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; "><FONT style="font-size: 8.5pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>Public offering </font></FONT><FONT style="font-size: 8.5pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>price</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; "></FONT><FONT style="font-size: 6pt; vertical-align: super; font-family: Arial, sans-serif; width: 82.50pt; display: inline-block; ">&nbsp;</FONT><FONT style="font-size: 6pt; vertical-align: super; font-family: Arial, sans-serif; "></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; text-align: center; "><FONT style="font-size: 8.5pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>$</font></FONT><FONT style="font-size: 8.5pt; font-family: Arial, sans-serif; width: 7.42pt; display: inline-block; ">&nbsp;</FONT><FONT style="font-size: 8.5pt; font-family: Arial, sans-serif; "></FONT><FONT style="font-size: 8.5pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>10</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; "></FONT><FONT style="font-size: 8.5pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>.00</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; text-align: center; "><FONT style="font-size: 8.5pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>$13,561,170.00  </font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; "><FONT style="font-size: 8.5pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>Underwriting </font></FONT><FONT style="font-size: 8.5pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>discount</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; "></FONT><FONT style="font-size: 6pt; vertical-align: super; font-family: Arial, sans-serif; width: 75.08pt; display: inline-block; ">&nbsp;</FONT><FONT style="font-size: 6pt; vertical-align: super; font-family: Arial, sans-serif; "></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; text-align: center; "><FONT style="font-size: 8.5pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>$</font></FONT><FONT style="font-size: 8.5pt; font-family: Arial, sans-serif; width: 12.38pt; display: inline-block; ">&nbsp;</FONT><FONT style="font-size: 8.5pt; font-family: Arial, sans-serif; "></FONT><FONT style="font-size: 8.5pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>0</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; "></FONT><FONT style="font-size: 8.5pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>.20</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; text-align: center; "><FONT style="font-size: 8.5pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>$271,223.40</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; "><FONT style="font-size: 8.5pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>Proceeds, before expenses, to BNS</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; text-align: center; "><FONT style="font-size: 8.5pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>$</font></FONT><FONT style="font-size: 8.5pt; font-family: Arial, sans-serif; width: 12.38pt; display: inline-block; ">&nbsp;</FONT><FONT style="font-size: 8.5pt; font-family: Arial, sans-serif; "></FONT><FONT style="font-size: 8.5pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>9</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; "></FONT><FONT style="font-size: 8.5pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>.80</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; text-align: center; "><FONT style="font-size: 8.5pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>$13,289,946.60</font></FONT></P>
                        </TD>
                    </TR>
                </TABLE>
                <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; padding-left: 50.71pt; text-align: center; "><FONT style="font-size: 8.5pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
                <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; padding-left: 50.71pt; text-align: center; "><FONT style="font-weight: bold; font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>The notes:</font></FONT></P>
                <TABLE width="69.36%" style="margin-left: auto; width: 69.36%; table-layout: fixed; border-collapse: collapse; margin-right: auto; ">
                    <TR>
                        <TD width="139.76pt" style="width: 139.76pt; border: 0; margin: 0; padding: 0; height: 0; ">
                        </TD>
                        <TD width="143.28pt" style="width: 143.28pt; border: 0; margin: 0; padding: 0; height: 0; ">
                        </TD>
                        <TD width="138.05pt" style="width: 138.05pt; border: 0; margin: 0; padding: 0; height: 0; ">
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; min-height: 13.92pt; ">
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-top:  0.50pt solid black; border-bottom:  0.50pt solid black; border-left:  0.50pt solid black; border-right:  0.50pt solid black; ">
                            <P style="margin-top: 1.1pt; margin-bottom: 1.1pt; text-align: center; "><FONT style="font-weight: bold; font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Are Not FDIC Insured</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-top:  0.50pt solid black; border-bottom:  0.50pt solid black; border-left:  0.50pt solid black; border-right:  0.50pt solid black; ">
                            <P style="margin-top: 1.1pt; margin-bottom: 1.1pt; text-align: center; "><FONT style="font-weight: bold; font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Are Not Bank Guaranteed</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-top:  0.50pt solid black; border-bottom:  0.50pt solid black; border-right:  0.50pt solid black; border-left:  0.50pt solid black; ">
                            <P style="margin-top: 1.1pt; margin-bottom: 1.1pt; text-align: center; "><FONT style="font-weight: bold; font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>May Lose Value</font></FONT></P>
                        </TD>
                    </TR>
                </TABLE>
            </DIV>
            <DIV style="width: 595.21pt; padding: 0 39.00pt 23.43pt 39.00pt; min-height: 23.38pt; position: relative; ">
                <P style="text-align: center; margin-top: 5.5pt; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 14.0pt; "><font style='white-space: pre-wrap;'>BofA Securities</font></FONT></P>
                <P style="text-align: center; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>November 6, 2025</font></FONT></P>
                <P style="text-align: left; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; ">&nbsp;</FONT></P>
            </DIV>
        </DIV>
        <DIV style="page-break-after: always; border-bottom: 1pt solid black; ">
            <P></P>
        </DIV>
        <DIV style="margin: auto; width: 673.20pt; padding: 36pt 0; ">
            <DIV style="width: 595.21pt; padding: 31.19pt 39.00pt 0 39.00pt; min-height: 48.02pt; position: relative; ">
                <TABLE width="100.00%" style="margin-left: -5.94pt; width: 100.00%; table-layout: fixed; border-collapse: collapse; ">
                    <TR>
                        <TD width="88.97%" style="width: 88.97%; border: 0; margin: 0; padding: 0; height: 0; ">
                        </TD>
                        <TD width="21.03%" style="width: 21.03%; border: 0; margin: 0; padding: 0; height: 0; ">
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; min-height: 23.32pt; ">
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-bottom:  4.50pt solid #5B862B; ">
                            <P style="margin-top: 0; margin-bottom: 0; "><FONT style="color: #5B862B; font-size: 16.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>Autocallable Strategic Accelerated Redemption Securities</font></FONT><FONT style="color: #5B862B; font-size: 14pt; vertical-align: super; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>&#174; </font></FONT><FONT style="color: #5B862B; font-size: 16.0pt; font-family: Arial, sans-serif; "><BR></FONT><FONT style="color: #5B862B; font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Linked to a Basket of Three Financial Sector Stocks due November 27, 2028</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-bottom:  4.50pt solid #5B862B; ">
                            <P style="text-align: right; margin-top: 0; margin-bottom: 0; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; ">&nbsp;</FONT></P>
                            <P style="text-align: right; margin-top: 0; margin-bottom: 0; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; ">&nbsp;</FONT></P>
                            <P style="text-align: right; margin-top: 0; margin-bottom: 0; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; ">&nbsp;</FONT></P>
                        </TD>
                    </TR>
                </TABLE>
                <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; ">&nbsp;</FONT></P>
            </DIV>
            <DIV style="width: 595.21pt; padding: 10pt 39.00pt 10pt 39.00pt; position: relative; margin-bottom: 20pt; ">
                <P style="margin-top: 0.0pt; margin-bottom: 0; "><FONT style="color: #5B862B; font-size: 20.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>Summary</font></FONT></P>
                <P style="margin-top: 5.5pt; text-align: justify; margin-bottom: 0; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>The Autocallable Strategic Accelerated Redemption Securities</font></FONT><FONT style="font-size: 6pt; vertical-align: super; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>&#174; </font></FONT><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>Linked to a Basket of Three Financial Sector Stocks due November 27, 2028 (the &#8220;notes&#8221;) are our senior unsecured debt securities. The notes are not guaranteed or insured by the CDIC or the FDIC, and are not, either directly or indirectly, an obligation of any third party. The notes are not bail-inable debt securities (as defined in the prospectus).</font></FONT><FONT style="font-weight: bold; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'> The notes will rank equally with all of our other unsecured senior debt. Any payments due on the notes, including any repayment of principal, will be subject to the credit risk of BNS. </font></FONT><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>The notes will be automatically called at the applicable Call Amount if the Observation Level of the Market Measure, which is the basket of three financial sector stocks described below (the &#8220;Basket&#8221;), on any Observation Date is equal to or greater than the Call Level. If the notes are not called, at maturity, if the Ending Value is less than the Threshold Value, you will lose all or a portion of the principal amount of your notes. Any payments on the notes will be calculated based on the $10 principal amount per unit and will depend on the performance of the Basket, subject to our credit risk. See &#8220;Terms of the Notes&#8221; below.</font></FONT></P>
                <P style="margin-top: 5.5pt; text-align: justify; margin-bottom: 0; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>The Basket is comprised of the common stock of each of Ares Management Corporation, Citigroup Inc. and Blue Owl Capital Inc.  (collectively, the &#8220;Basket Stocks&#8221;). Each Basket Stock was given an approximately equal weight on the pricing date, as described under &#8220;The Basket&#8221; on page TS-8.</font></FONT></P>
                <P style="text-align: justify; margin-top: 5.5pt; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>The economic terms of the notes (including the Call Premiums and Call Amounts) are based on our internal funding rate, which is the rate we would pay to borrow funds through the issuance of market-linked notes, and the economic terms of certain related hedging arrangements. Our internal funding rate is typically lower than the rate we would pay when we issue conventional fixed rate debt securities. This difference in funding rate, as well as the underwriting discount and the hedging related charge described below, reduced the economic terms of the notes to you and the initial estimated value of the notes on the pricing date. Due to these factors, the public offering price you pay to purchase the notes is greater than the initial estimated value of the notes. </font></FONT></P>
                <P style="text-align: justify; margin-top: 5.5pt; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>On the cover page of this term sheet, we have provided the initial estimated value for the notes. The initial estimated value was determined by reference to our internal pricing models, which take into consideration certain factors, such as our internal funding rate on the pricing date and our assumptions about market parameters. For more information about the initial estimated value and the structuring of the notes, see &#8220;Structuring the Notes&#8221; on page TS-15.</font></FONT></P>
                <TABLE width="100.00%" style="margin-left: auto; width: 100.00%; table-layout: fixed; border-collapse: collapse; margin-right: auto; ">
                    <TR>
                        <TD width="85.14pt" style="width: 85.14pt; border: 0; margin: 0; padding: 0; height: 0; ">
                        </TD>
                        <TD width="247.50pt" style="width: 247.50pt; border: 0; margin: 0; padding: 0; height: 0; ">
                        </TD>
                        <TD width="274.45pt" style="width: 274.45pt; border: 0; margin: 0; padding: 0; height: 0; ">
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD colspan="2" style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; ">
                            <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; "><FONT style="font-size: 20.0pt; color: #5B862B; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>Terms of the Notes</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; ">
                            <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; "><FONT style="font-size: 20.0pt; color: #5B862B; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>Payment Determination</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; background-color: #F2F2F2; ">
                            <P style="margin-top: 0.0pt; margin-bottom: 1.65pt; "><FONT style="font-size: 8.0pt; font-weight: bold; font-family: Arial, sans-serif; color: #5B8F22; "><font style='white-space: pre-wrap;'>Issuer:</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; ">
                            <P style="margin-top: 0.0pt; margin-bottom: 1.65pt; text-align: justify; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>The Bank of Nova Scotia (&#8220;BNS&#8221;)</font></FONT></P>
                        </TD>
                        <TD rowspan="15" style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; ">
                            <P style="margin-top: 5.5pt; margin-bottom: 0; "><FONT style="font-weight: bold; color: #5B862B; font-size: 12.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>Automatic Call Provision:</font></FONT></P>
                            <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
                            <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; ">                                    <IMG width="269.78pt" height="145.20pt" src="image2.gif" style="width: 269.78pt; height: 145.20pt; ">
                                    </FONT></P>
                            <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
                            <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
                            <P style="margin-top: 1.65pt; margin-bottom: 1.65pt; "><FONT style="font-weight: bold; color: #5B862B; font-size: 12.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>Redemption Amount Determination:</font></FONT></P>
                            <P style="margin-top: 1.65pt; margin-bottom: 1.65pt; "><FONT style="font-size: 8.5pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>If the notes are not called, you will receive the Redemption Amount per unit on the maturity date, determined as follows:</font></FONT></P>
                            <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
                            <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; ">                                    <IMG width="235.68pt" height="34.43pt" src="image3.gif" style="width: 235.68pt; height: 34.43pt; ">
                                    </FONT></P>
                            <P style="text-align: justify; margin-top: 0; margin-bottom: 0; "><FONT style="font-weight: bold; font-style: italic; font-size: 7.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>Because the Threshold Value for the notes is equal to the Starting Value, you will lose all or a portion of your investment if the Ending Value is less than the Starting Value.</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; background-color: #F2F2F2; ">
                            <P style="margin-top: 0.0pt; margin-bottom: 1.65pt; "><FONT style="font-size: 8.0pt; font-weight: bold; font-family: Arial, sans-serif; color: #5B8F22; "><font style='white-space: pre-wrap;'>Principal Amount:</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; ">
                            <P style="margin-top: 0.0pt; margin-bottom: 1.65pt; text-align: justify; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>$10.00 per unit</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; background-color: #F2F2F2; ">
                            <P style="margin-top: 0.0pt; margin-bottom: 1.65pt; "><FONT style="font-size: 8.0pt; font-weight: bold; font-family: Arial, sans-serif; color: #5B8F22; "><font style='white-space: pre-wrap;'>Term:</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; ">
                            <P style="margin-top: 0.0pt; margin-bottom: 1.65pt; text-align: justify; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>Approximately three years, if not called on either of the first two Observation Dates</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; background-color: #F2F2F2; ">
                            <P style="margin-top: 0.0pt; margin-bottom: 1.65pt; "><FONT style="font-size: 8.0pt; font-weight: bold; font-family: Arial, sans-serif; color: #5B8F22; "><font style='white-space: pre-wrap;'>Market Measure:</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; ">
                            <P style="margin-top: 0.0pt; margin-bottom: 1.65pt; text-align: justify; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>An approximately equally weighted basket of three financial sector stocks comprised of the common stock of each of Ares Management Corporation (Bloomberg symbol: &#8220;ARES&#8221;), Citigroup Inc. (Bloomberg symbol: &#8220;C&#8221;), and Blue Owl Capital Inc.  (Bloomberg symbol: &#8220;OWL&#8221;) (each, an &#8220;Underlying Company&#8221;).</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; background-color: #F2F2F2; ">
                            <P style="margin-top: 0.0pt; margin-bottom: 1.65pt; "><FONT style="font-size: 8.0pt; font-weight: bold; font-family: Arial, sans-serif; color: #5B8F22; "><font style='white-space: pre-wrap;'>Starting Value:</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; ">
                            <P style="margin-top: 0.0pt; margin-bottom: 1.65pt; text-align: justify; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>100.00</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; background-color: #F2F2F2; ">
                            <P style="margin-top: 0.0pt; margin-bottom: 1.65pt; "><FONT style="font-size: 8.0pt; font-weight: bold; font-family: Arial, sans-serif; color: #5B8F22; "><font style='white-space: pre-wrap;'>Observation Level:</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; ">
                            <P style="margin-top: 0.0pt; margin-bottom: 1.65pt; text-align: justify; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>The value of the Market Measure on the applicable Observation Date</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; background-color: #F2F2F2; ">
                            <P style="margin-top: 0.0pt; margin-bottom: 1.65pt; "><FONT style="font-size: 8.0pt; font-weight: bold; font-family: Arial, sans-serif; color: #5B8F22; "><font style='white-space: pre-wrap;'>Ending Value:</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; ">
                            <P style="margin-top: 0.0pt; margin-bottom: 1.65pt; text-align: justify; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>The Observation Level of the Market Measure on the final Observation Date</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; background-color: #F2F2F2; ">
                            <P style="margin-top: 0.0pt; margin-bottom: 1.65pt; "><FONT style="font-size: 8.0pt; font-weight: bold; font-family: Arial, sans-serif; color: #5B8F22; "><font style='white-space: pre-wrap;'>Observation Dates:</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; ">
                            <P style="text-align: justify; margin-top: 1.65pt; margin-bottom: 1.65pt; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>November 13, 2026, November 19, 2027 and November 17, 2028 (the final Observation Date).</font></FONT></P>
                            <P style="margin-top: 0.0pt; margin-bottom: 1.65pt; text-align: justify; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>The Observation Dates are subject to postponement in the event of Market Disruption Events, as described on page PS-23 of product supplement STOCK STR-1.</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; background-color: #F2F2F2; ">
                            <P style="margin-top: 0.0pt; margin-bottom: 1.65pt; "><FONT style="font-size: 8.0pt; font-weight: bold; font-family: Arial, sans-serif; color: #5B8F22; "><font style='white-space: pre-wrap;'>Call Level:</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; ">
                            <P style="margin-top: 0.0pt; margin-bottom: 1.65pt; text-align: justify; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>100.00 (100.00% of the Starting Value)</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; min-height: 14.85pt; ">
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; background-color: #F2F2F2; ">
                            <P style="margin-top: 0.0pt; margin-bottom: 1.65pt; "><FONT style="font-size: 8.0pt; font-weight: bold; font-family: Arial, sans-serif; color: #5B8F22; "><font style='white-space: pre-wrap;'>Call Amounts (per Unit) and Call Premiums:</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; ">
                            <P style="text-align: justify; margin-top: 1.65pt; margin-bottom: 1.65pt; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>$12.04, representing a Call Premium of 20.40% of the principal amount, if called on the first Observation Date, $14.08, representing a Call Premium of 40.80% of the principal amount, if called on the second Observation Date and $16.12, representing a Call Premium of 61.20% of the principal amount, if called on the final Observation Date. </font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; background-color: #F2F2F2; ">
                            <P style="margin-top: 0.0pt; margin-bottom: 1.65pt; "><FONT style="font-size: 8.0pt; font-weight: bold; font-family: Arial, sans-serif; color: #5B8F22; "><font style='white-space: pre-wrap;'>Call Settlement Dates:</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; ">
                            <P style="margin-top: 0.0pt; margin-bottom: 1.65pt; text-align: justify; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>Approximately the fifth business day following the applicable Observation Date, subject to postponement as described on page PS-20 of product supplement STOCK STR-1; provided however that the Call Settlement Date related to the final Observation Date will be the maturity date.</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; background-color: #F2F2F2; ">
                            <P style="margin-top: 0.0pt; margin-bottom: 1.65pt; "><FONT style="font-size: 8.0pt; font-weight: bold; font-family: Arial, sans-serif; color: #5B8F22; "><font style='white-space: pre-wrap;'>Price Multiplier:</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; ">
                            <P style="margin-top: 0.0pt; margin-bottom: 1.65pt; text-align: justify; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>1, for each Basket Stock, subject to adjustment for certain corporate events relating to that Basket Stock, as described on page PS-23 of product supplement STOCK STR-1.</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; background-color: #F2F2F2; ">
                            <P style="margin-top: 0.0pt; margin-bottom: 1.65pt; "><FONT style="font-size: 8.0pt; font-weight: bold; font-family: Arial, sans-serif; color: #5B8F22; "><font style='white-space: pre-wrap;'>Threshold Value:</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; ">
                            <P style="margin-top: 0.0pt; margin-bottom: 1.65pt; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>100.00 (100.00% of the Starting Value)</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; background-color: #F2F2F2; ">
                            <P style="margin-top: 0.0pt; margin-bottom: 1.65pt; "><FONT style="font-size: 8.0pt; font-weight: bold; font-family: Arial, sans-serif; color: #5B8F22; "><font style='white-space: pre-wrap;'>Fees and Charges:</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; ">
                            <P style="margin-top: 0.0pt; margin-bottom: 1.65pt; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>The underwriting discount of $0.20 per unit listed on the cover page and the hedging related charge of $0.05 per unit described in &#8220;Structuring the Notes&#8221; on page TS-15</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; background-color: #F2F2F2; ">
                            <P style="margin-top: 0.0pt; margin-bottom: 1.65pt; "><FONT style="font-size: 8.0pt; font-weight: bold; font-family: Arial, sans-serif; color: #5B8F22; "><font style='white-space: pre-wrap;'>Calculation Agent:</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; ">
                            <P style="margin-top: 0.0pt; margin-bottom: 1.65pt; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>BofA Securities, Inc. (&#8220;BofAS&#8221;)</font></FONT></P>
                        </TD>
                    </TR>
                </TABLE>
            </DIV>
            <DIV style="width: 595.21pt; padding: 0 39.00pt 23.43pt 39.00pt; min-height: 23.38pt; position: relative; ">
                <TABLE width="607.09pt" style="margin-left: -5.94pt; width: 607.09pt; table-layout: fixed; border-collapse: collapse; ">
                    <TR>
                        <TD width="555.39pt" style="width: 555.39pt; border: 0; margin: 0; padding: 0; height: 0; ">
                        </TD>
                        <TD width="51.70pt" style="width: 51.70pt; border: 0; margin: 0; padding: 0; height: 0; ">
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-top:  0.50pt solid #008000; ">
                            <P style="text-align: left; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; color: #5B862B; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Autocallable Strategic Accelerated Redemption Securities</font></FONT><FONT style="font-family: Arial, sans-serif; color: #5B862B; vertical-align: super; font-size: 7pt; "><font style='white-space: pre-wrap;'>&#174;</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-top:  0.50pt solid #008000; ">
                            <P style="text-align: right; margin-top: 0; margin-bottom: 0; "><FONT style="color: #5B862B; font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>TS-</font><FONT>2</FONT></FONT></P>
                        </TD>
                    </TR>
                </TABLE>
                <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; ">&nbsp;</FONT></P>
            </DIV>
        </DIV>
        <DIV style="page-break-after: always; border-bottom: 1pt solid black; ">
            <P></P>
        </DIV>
        <DIV style="margin: auto; width: 673.20pt; padding: 36pt 0; ">
            <DIV style="width: 595.21pt; padding: 31.19pt 39.00pt 0 39.00pt; min-height: 48.02pt; position: relative; ">
                <TABLE width="100.00%" style="margin-left: -5.94pt; width: 100.00%; table-layout: fixed; border-collapse: collapse; ">
                    <TR>
                        <TD width="88.97%" style="width: 88.97%; border: 0; margin: 0; padding: 0; height: 0; ">
                        </TD>
                        <TD width="21.03%" style="width: 21.03%; border: 0; margin: 0; padding: 0; height: 0; ">
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; min-height: 23.32pt; ">
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-bottom:  4.50pt solid #5B862B; ">
                            <P style="margin-top: 0; margin-bottom: 0; "><FONT style="color: #5B862B; font-size: 16.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>Autocallable Strategic Accelerated Redemption Securities</font></FONT><FONT style="color: #5B862B; font-size: 14pt; vertical-align: super; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>&#174; </font></FONT><FONT style="color: #5B862B; font-size: 16.0pt; font-family: Arial, sans-serif; "><BR></FONT><FONT style="color: #5B862B; font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Linked to a Basket of Three Financial Sector Stocks due November 27, 2028</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-bottom:  4.50pt solid #5B862B; ">
                            <P style="text-align: right; margin-top: 0; margin-bottom: 0; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; ">&nbsp;</FONT></P>
                            <P style="text-align: right; margin-top: 0; margin-bottom: 0; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; ">&nbsp;</FONT></P>
                            <P style="text-align: right; margin-top: 0; margin-bottom: 0; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; ">&nbsp;</FONT></P>
                        </TD>
                    </TR>
                </TABLE>
                <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; ">&nbsp;</FONT></P>
            </DIV>
            <DIV style="width: 595.21pt; padding: 10pt 39.00pt 10pt 39.00pt; position: relative; margin-bottom: 20pt; ">
                <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>The terms and risks of the notes are contained in this term sheet and in the following:</font></FONT></P>
                <P style="margin-top: 5.5pt; margin-bottom: 0; margin-left: 19.80pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; color: #5B8F22; font-size: 9.0pt; ">&#65517;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>Product supplement STOCK STR-1 dated December 30, 2024:</font><BR></FONT><A href="http://www.sec.gov/Archives/edgar/data/9631/000183988224048024/bns_424b2-27637.htm" style="word-break: break-all; "><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; color: #0000FF; text-decoration-style: solid; text-decoration-line: underline; "><U><font style='white-space: pre-wrap;'>http://www.sec.gov/Archives/edgar/data/9631/000183988224048024/bns_424b2-27637.htm</font></U></FONT></A><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'> </font></FONT></FONT></P>
                <P style="margin-top: 6.6pt; margin-bottom: 0; margin-left: 19.80pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; color: #5B8F22; font-size: 9.0pt; ">&#65517;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Prospectus supplement dated November 8, 2024: </font></FONT></FONT></P>
                <P style="margin-top: 5.5pt; padding-left: 19.8pt; margin-bottom: 0; "><A href="http://www.sec.gov/Archives/edgar/data/9631/000183988224038303/bns_424b3-21311.htm" style="word-break: break-all; "><FONT style="font-family: Arial, sans-serif; color: #0000FF; text-decoration-style: solid; text-decoration-line: underline; font-size: 9.0pt; "><U><font style='white-space: pre-wrap;'>http://www.sec.gov/Archives/edgar/data/9631/000183988224038303/bns_424b3-21311.htm</font></U></FONT></A></P>
                <P style="margin-top: 5.5pt; margin-bottom: 0; margin-left: 19.80pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; font-size: 9.0pt; ">&#9679;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Prospectus dated November 8, 2024:</font></FONT></FONT></P>
                <P style="margin-top: 5.5pt; padding-left: 19.8pt; margin-bottom: 0; "><A href="http://www.sec.gov/Archives/edgar/data/9631/000119312524253771/d875135d424b3.htm" style="word-break: break-all; "><FONT style="font-family: Arial, sans-serif; color: #0000FF; text-decoration-style: solid; text-decoration-line: underline; font-size: 9.0pt; "><U><font style='white-space: pre-wrap;'>http://www.sec.gov/Archives/edgar/data/9631/000119312524253771/d875135d424b3.htm</font></U></FONT></A></P>
                <P style="text-align: justify; margin-top: 5.5pt; margin-bottom: 0; "><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>These documents (together, the &#8220;Note Prospectus&#8221;) have been filed as part of a registration statement with the SEC, which may, without cost, be accessed on the SEC website as indicated above or obtained from Merrill Lynch, Pierce, Fenner &amp; Smith Incorporated (&#8220;MLPF&amp;S&#8221;) or BofAS by calling 1-800-294-1322. You should read the Note Prospectus, including this term sheet, for information about us and this offering. Any prior or contemporaneous oral statements and any other written materials you may have received are superseded by the Note Prospectus. Capitalized terms used but not defined in this term sheet have the meanings set forth in product supplement STOCK STR-1. Unless otherwise indicated or unless the context requires otherwise, all references in this document to &#8220;we,&#8221; &#8220;us,&#8221; &#8220;our,&#8221; or similar references are to BNS. </font></FONT></P>
                <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
                <P style="margin-top: 0.0pt; margin-bottom: 0; "><FONT style="color: #5B862B; font-size: 20.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>Investor Considerations</font></FONT></P>
                <TABLE width="100.00%" style="margin-left: auto; width: 100.00%; table-layout: fixed; border-collapse: collapse; margin-right: auto; ">
                    <TR>
                        <TD width="303.55pt" style="width: 303.55pt; border: 0; margin: 0; padding: 0; height: 0; ">
                        </TD>
                        <TD width="303.55pt" style="width: 303.55pt; border: 0; margin: 0; padding: 0; height: 0; ">
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; ">
                            <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-weight: bold; font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>You may wish to consider an investment in the notes if:</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; ">
                            <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-weight: bold; font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>The notes may not be an appropriate investment for you if:</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; ">
                            <P style="text-align: justify; margin-top: 5.5pt; margin-bottom: 0; margin-left: 19.80pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; color: #5B8F22; font-size: 9.0pt; ">&#65517;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>You anticipate that the Observation Level of the Market Measure on any of the Observation Dates will be equal to or greater than the Call Level and, if the notes are automatically called prior to the final Observation Date, you accept an early exit from your investment.</font></FONT></FONT></P>
                            <P style="text-align: justify; margin-top: 5.5pt; margin-bottom: 0; margin-left: 19.80pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; color: #5B8F22; font-size: 9.0pt; ">&#65517;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>You accept that the return on the notes will be limited to the return represented by the applicable Call Premium even if the percentage change in the value of the Market Measure is greater than the applicable Call Premium.</font></FONT></FONT></P>
                            <P style="text-align: justify; margin-top: 5.5pt; margin-bottom: 0; margin-left: 19.80pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; color: #5B8F22; font-size: 9.0pt; ">&#65517;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>You are willing to risk a loss of principal and return if the notes are not automatically called and the Basket decreases from the Starting Value to the Ending Value.</font></FONT></FONT></P>
                            <P style="text-align: justify; margin-top: 5.5pt; margin-bottom: 0; margin-left: 19.80pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; color: #5B8F22; font-size: 9.0pt; ">&#65517;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>You are willing to forgo interest payments that are paid on conventional interest bearing debt securities.</font></FONT></FONT></P>
                            <P style="text-align: justify; margin-top: 5.5pt; margin-bottom: 0; margin-left: 19.80pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; color: #5B8F22; font-size: 9.0pt; ">&#65517;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>You are willing to forgo dividends or other benefits of owning shares of the Basket Stocks.</font></FONT></FONT></P>
                            <P style="text-align: justify; margin-top: 5.5pt; margin-bottom: 0; margin-left: 19.80pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; color: #5B8F22; font-size: 9.0pt; ">&#65517;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>You are willing to accept a limited or no market for sales prior to maturity, and understand that the market prices for the notes, if any, will be affected by various factors, including our actual and perceived creditworthiness, our internal funding rate and fees and charges on the notes.</font></FONT></FONT></P>
                            <P style="text-align: justify; margin-top: 5.5pt; margin-bottom: 0; margin-left: 19.80pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; color: #5B8F22; font-size: 9.0pt; ">&#65517;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>You are willing to assume our credit risk, as issuer of the notes, for all payments under the notes, including the Call Amount or the Redemption Amount.</font></FONT></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; ">
                            <P style="text-align: justify; margin-top: 5.5pt; margin-bottom: 0; margin-left: 19.80pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; color: #5B8F22; font-size: 9.0pt; ">&#65517;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>You wish to make an investment that cannot be automatically called.</font></FONT></FONT></P>
                            <P style="text-align: justify; margin-top: 5.5pt; margin-bottom: 0; margin-left: 19.80pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; color: #5B8F22; font-size: 9.0pt; ">&#65517;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>You believe that the value of the Basket will decrease from the Starting Value to the Ending Value.</font></FONT></FONT></P>
                            <P style="text-align: justify; margin-top: 5.5pt; margin-bottom: 0; margin-left: 19.80pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; color: #5B8F22; font-size: 9.0pt; ">&#65517;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>You anticipate that the Observation Level will be less than the Call Level on each Observation Date.</font></FONT></FONT></P>
                            <P style="text-align: justify; margin-top: 5.5pt; margin-bottom: 0; margin-left: 19.80pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; color: #5B8F22; font-size: 9.0pt; ">&#65517;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>You seek an uncapped return on your investment.</font></FONT></FONT></P>
                            <P style="text-align: justify; margin-top: 5.5pt; margin-bottom: 0; margin-left: 19.80pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; color: #5B8F22; font-size: 9.0pt; ">&#65517;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>You seek principal repayment or preservation of capital.</font></FONT></FONT></P>
                            <P style="text-align: justify; margin-top: 5.5pt; margin-bottom: 0; margin-left: 19.80pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; color: #5B8F22; font-size: 9.0pt; ">&#65517;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>You seek interest payments or other current income on your investment.</font></FONT></FONT></P>
                            <P style="text-align: justify; margin-top: 5.5pt; margin-bottom: 0; margin-left: 19.80pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; color: #5B8F22; font-size: 9.0pt; ">&#65517;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>You want to receive dividends or other benefits of owning the Basket Stocks.</font></FONT></FONT></P>
                            <P style="text-align: justify; margin-top: 5.5pt; margin-bottom: 0; margin-left: 19.80pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; color: #5B8F22; font-size: 9.0pt; ">&#65517;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>You seek an investment for which there will be a liquid secondary market.</font></FONT></FONT></P>
                            <P style="text-align: justify; margin-top: 5.5pt; margin-bottom: 0; margin-left: 19.80pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; color: #5B8F22; font-size: 9.0pt; ">&#65517;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>You are unwilling or are unable to take market risk on the notes or to take our credit risk as issuer of the notes.</font></FONT></FONT></P>
                        </TD>
                    </TR>
                </TABLE>
                <P style="text-align: justify; margin-top: 5.5pt; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>We urge you to consult your investment, legal, tax, accounting, and other advisors concerning an investment in the notes.</font></FONT></P>
            </DIV>
            <DIV style="width: 595.21pt; padding: 0 39.00pt 23.43pt 39.00pt; min-height: 23.38pt; position: relative; ">
                <TABLE width="607.09pt" style="margin-left: -5.94pt; width: 607.09pt; table-layout: fixed; border-collapse: collapse; ">
                    <TR>
                        <TD width="555.39pt" style="width: 555.39pt; border: 0; margin: 0; padding: 0; height: 0; ">
                        </TD>
                        <TD width="51.70pt" style="width: 51.70pt; border: 0; margin: 0; padding: 0; height: 0; ">
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-top:  0.50pt solid #008000; ">
                            <P style="text-align: left; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; color: #5B862B; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Autocallable Strategic Accelerated Redemption Securities</font></FONT><FONT style="font-family: Arial, sans-serif; color: #5B862B; vertical-align: super; font-size: 7pt; "><font style='white-space: pre-wrap;'>&#174;</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-top:  0.50pt solid #008000; ">
                            <P style="text-align: right; margin-top: 0; margin-bottom: 0; "><FONT style="color: #5B862B; font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>TS-</font><FONT>3</FONT></FONT></P>
                        </TD>
                    </TR>
                </TABLE>
                <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; ">&nbsp;</FONT></P>
            </DIV>
        </DIV>
        <DIV style="page-break-after: always; border-bottom: 1pt solid black; ">
            <P></P>
        </DIV>
        <DIV style="margin: auto; width: 673.20pt; padding: 36pt 0; ">
            <DIV style="width: 595.21pt; padding: 31.19pt 39.00pt 0 39.00pt; min-height: 48.02pt; position: relative; ">
                <TABLE width="100.00%" style="margin-left: -5.94pt; width: 100.00%; table-layout: fixed; border-collapse: collapse; ">
                    <TR>
                        <TD width="88.97%" style="width: 88.97%; border: 0; margin: 0; padding: 0; height: 0; ">
                        </TD>
                        <TD width="21.03%" style="width: 21.03%; border: 0; margin: 0; padding: 0; height: 0; ">
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; min-height: 23.32pt; ">
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-bottom:  4.50pt solid #5B862B; ">
                            <P style="margin-top: 0; margin-bottom: 0; "><FONT style="color: #5B862B; font-size: 16.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>Autocallable Strategic Accelerated Redemption Securities</font></FONT><FONT style="color: #5B862B; font-size: 14pt; vertical-align: super; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>&#174; </font></FONT><FONT style="color: #5B862B; font-size: 16.0pt; font-family: Arial, sans-serif; "><BR></FONT><FONT style="color: #5B862B; font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Linked to a Basket of Three Financial Sector Stocks due November 27, 2028</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-bottom:  4.50pt solid #5B862B; ">
                            <P style="text-align: right; margin-top: 0; margin-bottom: 0; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; ">&nbsp;</FONT></P>
                            <P style="text-align: right; margin-top: 0; margin-bottom: 0; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; ">&nbsp;</FONT></P>
                            <P style="text-align: right; margin-top: 0; margin-bottom: 0; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; ">&nbsp;</FONT></P>
                        </TD>
                    </TR>
                </TABLE>
                <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; ">&nbsp;</FONT></P>
            </DIV>
            <DIV style="width: 595.21pt; padding: 10pt 39.00pt 10pt 39.00pt; position: relative; margin-bottom: 20pt; ">
                <P style="margin-top: 0.0pt; margin-bottom: 0; "><FONT style="color: #5B862B; font-size: 20.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>Examples of Hypothetical Payments</font></FONT></P>
                <P style="text-align: justify; margin-top: 5.5pt; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>The following examples are for purposes of illustration only. They are based on </font></FONT><FONT style="font-weight: bold; font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>hypothetical</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> values and show </font></FONT><FONT style="font-weight: bold; font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>hypothetical</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> returns on the notes. They illustrate the calculation of the Call Amount or Redemption Amount, as applicable, based on the hypothetical terms set forth below. </font></FONT><FONT style="font-weight: bold; font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>The actual amount you receive and the resulting return will depend on the actual Observation Levels and term of your investment.</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> </font></FONT></P>
                <P style="text-align: justify; margin-top: 5.5pt; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>The following examples do not take into account any tax consequences from investing in the notes. These examples are based on:</font></FONT></P>
                <P style="text-align: justify; margin-top: 5.5pt; margin-bottom: 1.5pt; margin-left: 29.70pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; font-family: Arial, sans-serif; color: black; font-size: 9.0pt; ">(1)</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>the Starting Value of 100.00;</font></FONT></FONT></P>
                <P style="text-align: justify; margin-top: 1.5pt; margin-bottom: 1.5pt; margin-left: 29.70pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; font-family: Arial, sans-serif; color: black; font-size: 9.0pt; ">(2)</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>the Threshold Value of 100.00;</font></FONT></FONT></P>
                <P style="text-align: justify; margin-top: 1.5pt; margin-bottom: 1.5pt; margin-left: 29.70pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; font-family: Arial, sans-serif; color: black; font-size: 9.0pt; ">(3)</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>the Call Level of 100.00; </font></FONT></FONT></P>
                <P style="text-align: justify; margin-top: 1.5pt; margin-bottom: 1.5pt; margin-left: 29.70pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; font-family: Arial, sans-serif; color: black; font-size: 9.0pt; ">(4)</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>the term of the notes of approximately three years, if the notes are not called on either of the first two Observation Dates;</font></FONT></FONT></P>
                <P style="text-align: justify; margin-top: 1.5pt; margin-bottom: 1.5pt; margin-left: 29.70pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; font-family: Arial, sans-serif; color: black; font-size: 9.0pt; ">(5)</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>a Call Premium of 20.40% of the principal amount if the notes are called on the first Observation Date, 40.80% if called on the second Observation Date and 61.20% if called on the final Observation Date; and</font></FONT></FONT></P>
                <P style="text-align: justify; margin-top: 1.5pt; margin-bottom: 0; margin-left: 29.70pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; font-family: Arial, sans-serif; color: black; font-size: 9.0pt; ">(6)</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Observation Dates occurring approximately one, two and three years after the pricing date.</font></FONT></FONT></P>
                <P style="text-align: justify; margin-top: 5.5pt; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>For recent actual prices of the Basket Stocks, see &#8220;The Basket Stocks&#8221; section below. The Ending Value will not include any income generated by dividends paid on the Basket Stocks, which you would otherwise be entitled to receive if you invested in the Basket Stocks directly. In addition, all payments on the notes are subject to issuer credit risk.</font></FONT></P>
                <P style="text-align: justify; margin-top: 5.5pt; margin-bottom: 0; "><FONT style="font-style: italic; text-decoration-style: solid; text-decoration-line: underline; font-family: Arial, sans-serif; font-size: 9.0pt; "><U><font style='white-space: pre-wrap;'>Notes Are Called on an Observation Date</font></U></FONT></P>
                <P style="margin-top: 13.2pt; text-align: justify; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>The notes will be called at $10.00 plus the applicable Call Premium if the Observation Level on one of the Observation Dates is equal to or greater than the Call Level. </font></FONT></P>
                <P style="text-align: justify; margin-top: 5.5pt; margin-bottom: 0; "><FONT style="font-weight: bold; font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Example 1</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> - The Observation Level on the first Observation Date is 150.00. Therefore, the notes will be called at $10.00 plus the Call Premium of $2.04 = $12.04 per unit. </font></FONT></P>
                <P style="text-align: justify; margin-top: 5.5pt; margin-bottom: 0; "><FONT style="font-weight: bold; font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Example 2</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> - The Observation Level on the first Observation Date is below the Call Level, but the Observation Level on the second Observation Date is 105.00. Therefore, the notes will be called at $10.00 plus the Call Premium of $4.08 = $14.08 per unit. </font></FONT></P>
                <P style="text-align: justify; margin-top: 5.5pt; margin-bottom: 0; "><FONT style="font-weight: bold; font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Example 3</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> - The Observation Levels on the first two Observation Dates are below the Call Level, but the Observation Level on the third and final Observation Date is 125.00. Therefore, the notes will be called at $10.00 plus the Call Premium of $6.12 = $16.12 per unit.</font></FONT></P>
                <P style="text-align: justify; margin-top: 0; margin-bottom: 0; "><FONT style="font-style: italic; font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
                <P style="text-align: justify; margin-top: 0; margin-bottom: 0; "><FONT style="font-style: italic; text-decoration-style: solid; text-decoration-line: underline; font-family: Arial, sans-serif; font-size: 9.0pt; "><U><font style='white-space: pre-wrap;'>Notes Are Not Called on Any Observation Date</font></U></FONT></P>
                <P style="text-align: justify; margin-top: 5.5pt; margin-bottom: 0; "><FONT style="font-weight: bold; font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Example 4</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> - The notes are not called on any Observation Date and the Ending Value is less than the Threshold Value. The Redemption Amount will be less, and possibly significantly less, than the principal amount. For example, if the Ending Value is 85.00, the Redemption Amount per unit will be:</font></FONT></P>
                <P style="text-align: center; margin-top: 5.5pt; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; ">                        <IMG width="181.50pt" height="27.23pt" src="image4.gif" style="width: 181.50pt; height: 27.23pt; ">
                        </FONT></P>
            </DIV>
            <DIV style="width: 595.21pt; padding: 0 39.00pt 23.43pt 39.00pt; min-height: 23.38pt; position: relative; ">
                <TABLE width="607.09pt" style="margin-left: -5.94pt; width: 607.09pt; table-layout: fixed; border-collapse: collapse; ">
                    <TR>
                        <TD width="555.39pt" style="width: 555.39pt; border: 0; margin: 0; padding: 0; height: 0; ">
                        </TD>
                        <TD width="51.70pt" style="width: 51.70pt; border: 0; margin: 0; padding: 0; height: 0; ">
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-top:  0.50pt solid #008000; ">
                            <P style="text-align: left; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; color: #5B862B; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Autocallable Strategic Accelerated Redemption Securities</font></FONT><FONT style="font-family: Arial, sans-serif; color: #5B862B; vertical-align: super; font-size: 7pt; "><font style='white-space: pre-wrap;'>&#174;</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-top:  0.50pt solid #008000; ">
                            <P style="text-align: right; margin-top: 0; margin-bottom: 0; "><FONT style="color: #5B862B; font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>TS-</font><FONT>4</FONT></FONT></P>
                        </TD>
                    </TR>
                </TABLE>
                <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; ">&nbsp;</FONT></P>
            </DIV>
        </DIV>
        <DIV style="page-break-after: always; border-bottom: 1pt solid black; ">
            <P></P>
        </DIV>
        <DIV style="margin: auto; width: 673.20pt; padding: 36pt 0; ">
            <DIV style="width: 595.21pt; padding: 31.19pt 39.00pt 0 39.00pt; min-height: 48.02pt; position: relative; ">
                <TABLE width="100.00%" style="margin-left: -5.94pt; width: 100.00%; table-layout: fixed; border-collapse: collapse; ">
                    <TR>
                        <TD width="88.97%" style="width: 88.97%; border: 0; margin: 0; padding: 0; height: 0; ">
                        </TD>
                        <TD width="21.03%" style="width: 21.03%; border: 0; margin: 0; padding: 0; height: 0; ">
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; min-height: 23.32pt; ">
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-bottom:  4.50pt solid #5B862B; ">
                            <P style="margin-top: 0; margin-bottom: 0; "><FONT style="color: #5B862B; font-size: 16.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>Autocallable Strategic Accelerated Redemption Securities</font></FONT><FONT style="color: #5B862B; font-size: 14pt; vertical-align: super; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>&#174; </font></FONT><FONT style="color: #5B862B; font-size: 16.0pt; font-family: Arial, sans-serif; "><BR></FONT><FONT style="color: #5B862B; font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Linked to a Basket of Three Financial Sector Stocks due November 27, 2028</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-bottom:  4.50pt solid #5B862B; ">
                            <P style="text-align: right; margin-top: 0; margin-bottom: 0; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; ">&nbsp;</FONT></P>
                            <P style="text-align: right; margin-top: 0; margin-bottom: 0; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; ">&nbsp;</FONT></P>
                            <P style="text-align: right; margin-top: 0; margin-bottom: 0; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; ">&nbsp;</FONT></P>
                        </TD>
                    </TR>
                </TABLE>
                <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; ">&nbsp;</FONT></P>
            </DIV>
            <DIV style="width: 595.21pt; padding: 10pt 39.00pt 10pt 39.00pt; position: relative; margin-bottom: 20pt; ">
                <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-weight: bold; font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Summary of the Hypothetical Examples</font></FONT></P>
                <P style="margin-top: 5.5pt; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
                <TABLE width="60.36%" style="margin-left: auto; width: 60.36%; table-layout: fixed; border-collapse: collapse; margin-right: auto; ">
                    <TR>
                        <TD width="120.95pt" style="width: 120.95pt; border: 0; margin: 0; padding: 0; height: 0; ">
                        </TD>
                        <TD width="58.30pt" style="width: 58.30pt; border: 0; margin: 0; padding: 0; height: 0; ">
                        </TD>
                        <TD width="58.30pt" style="width: 58.30pt; border: 0; margin: 0; padding: 0; height: 0; ">
                        </TD>
                        <TD width="58.30pt" style="width: 58.30pt; border: 0; margin: 0; padding: 0; height: 0; ">
                        </TD>
                        <TD width="0.00pt" style="width: 0.00pt; border: 0; margin: 0; padding: 0; height: 0; ">
                        </TD>
                        <TD width="63.41pt" style="width: 63.41pt; border: 0; margin: 0; padding: 0; height: 0; ">
                        </TD>
                        <TD width="0.00pt" style="width: 0.00pt; border: 0; margin: 0; padding: 0; height: 0; ">
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; min-height: 17.32pt; ">
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; ">
                            <P style="text-align: center; margin-top: 1.65pt; margin-bottom: 1.65pt; "><FONT style="font-weight: bold; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
                        </TD>
                        <TD colspan="4" style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; ">
                            <P style="text-align: center; margin-top: 1.65pt; margin-bottom: 1.65pt; "><FONT style="font-weight: bold; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>Notes Are Called on an Observation Date</font></FONT></P>
                        </TD>
                        <TD colspan="2" style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; ">
                            <P style="text-align: center; margin-top: 1.65pt; margin-bottom: 1.65pt; "><FONT style="font-weight: bold; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>Notes Are Not Called on Any Observation Date</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; min-height: 17.32pt; ">
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; ">
                            <P style="margin-top: 5.5pt; margin-bottom: 0; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; ">
                            <P style="text-align: center; margin-top: 1.65pt; margin-bottom: 1.65pt; "><FONT style="font-weight: bold; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>Example 1</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; ">
                            <P style="text-align: center; margin-top: 1.65pt; margin-bottom: 1.65pt; "><FONT style="font-weight: bold; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>Example 2</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; ">
                            <P style="text-align: center; margin-top: 1.65pt; margin-bottom: 1.65pt; "><FONT style="font-weight: bold; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>Example 3</font></FONT></P>
                        </TD>
                        <TD colspan="2" style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; ">
                            <P style="text-align: center; margin-top: 1.65pt; margin-bottom: 1.65pt; "><FONT style="font-weight: bold; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>Example 4</font></FONT></P>
                        </TD>
                        <TD>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; min-height: 17.32pt; ">
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; ">
                            <P style="margin-top: 1.65pt; margin-bottom: 1.65pt; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Starting Value</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; ">
                            <P style="text-align: center; margin-top: 1.65pt; margin-bottom: 1.65pt; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>100.00</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; ">
                            <P style="text-align: center; margin-top: 1.65pt; margin-bottom: 1.65pt; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>100.00</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; ">
                            <P style="text-align: center; margin-top: 1.65pt; margin-bottom: 1.65pt; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>100.00</font></FONT></P>
                        </TD>
                        <TD colspan="2" style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; ">
                            <P style="text-align: center; margin-top: 1.65pt; margin-bottom: 1.65pt; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>100.00</font></FONT></P>
                        </TD>
                        <TD>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; min-height: 17.32pt; ">
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; ">
                            <P style="margin-top: 1.65pt; margin-bottom: 1.65pt; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Call Level</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; ">
                            <P style="text-align: center; margin-top: 1.65pt; margin-bottom: 1.65pt; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>100.00</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; ">
                            <P style="text-align: center; margin-top: 1.65pt; margin-bottom: 1.65pt; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>100.00</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; ">
                            <P style="text-align: center; margin-top: 1.65pt; margin-bottom: 1.65pt; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>100.00</font></FONT></P>
                        </TD>
                        <TD colspan="2" style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; ">
                            <P style="text-align: center; margin-top: 1.65pt; margin-bottom: 1.65pt; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>100.00</font></FONT></P>
                        </TD>
                        <TD>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; min-height: 17.32pt; ">
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; ">
                            <P style="margin-top: 1.65pt; margin-bottom: 1.65pt; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Threshold Value</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; ">
                            <P style="text-align: center; margin-top: 1.65pt; margin-bottom: 1.65pt; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>100.00</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; ">
                            <P style="text-align: center; margin-top: 1.65pt; margin-bottom: 1.65pt; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>100.00</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; ">
                            <P style="text-align: center; margin-top: 1.65pt; margin-bottom: 1.65pt; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>100.00</font></FONT></P>
                        </TD>
                        <TD colspan="2" style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; ">
                            <P style="text-align: center; margin-top: 1.65pt; margin-bottom: 1.65pt; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>100.00</font></FONT></P>
                        </TD>
                        <TD>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; min-height: 17.32pt; ">
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; ">
                            <P style="margin-top: 1.65pt; margin-bottom: 1.65pt; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Observation Level on the First Observation Date</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; ">
                            <P style="text-align: center; margin-top: 1.65pt; margin-bottom: 1.65pt; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>150.00</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; ">
                            <P style="text-align: center; margin-top: 1.65pt; margin-bottom: 1.65pt; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>90.00</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; ">
                            <P style="text-align: center; margin-top: 1.65pt; margin-bottom: 1.65pt; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>90.00</font></FONT></P>
                        </TD>
                        <TD colspan="2" style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; ">
                            <P style="text-align: center; margin-top: 1.65pt; margin-bottom: 1.65pt; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>88.00</font></FONT></P>
                        </TD>
                        <TD>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; min-height: 17.32pt; ">
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; ">
                            <P style="margin-top: 1.65pt; margin-bottom: 1.65pt; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Observation Level on the Second Observation Date</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; ">
                            <P style="text-align: center; margin-top: 1.65pt; margin-bottom: 1.65pt; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>N/A</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; ">
                            <P style="text-align: center; margin-top: 1.65pt; margin-bottom: 1.65pt; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>105.00</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; ">
                            <P style="text-align: center; margin-top: 1.65pt; margin-bottom: 1.65pt; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>90.00</font></FONT></P>
                        </TD>
                        <TD colspan="2" style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; ">
                            <P style="text-align: center; margin-top: 1.65pt; margin-bottom: 1.65pt; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>78.00</font></FONT></P>
                        </TD>
                        <TD>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; min-height: 17.32pt; ">
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; ">
                            <P style="margin-top: 1.65pt; margin-bottom: 1.65pt; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Observation Level on the Final Observation Date</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; ">
                            <P style="text-align: center; margin-top: 1.65pt; margin-bottom: 1.65pt; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>N/A</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; ">
                            <P style="text-align: center; margin-top: 1.65pt; margin-bottom: 1.65pt; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>N/A</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; ">
                            <P style="text-align: center; margin-top: 1.65pt; margin-bottom: 1.65pt; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>125.00</font></FONT></P>
                        </TD>
                        <TD colspan="2" style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; ">
                            <P style="text-align: center; margin-top: 1.65pt; margin-bottom: 1.65pt; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>85.00</font></FONT></P>
                        </TD>
                        <TD>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; min-height: 17.32pt; ">
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; ">
                            <P style="margin-top: 1.65pt; margin-bottom: 1.65pt; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Return on the Basket</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; ">
                            <P style="text-align: center; margin-top: 1.65pt; margin-bottom: 1.65pt; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>50.00%</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; ">
                            <P style="text-align: center; margin-top: 1.65pt; margin-bottom: 1.65pt; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>5.00%</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; ">
                            <P style="text-align: center; margin-top: 1.65pt; margin-bottom: 1.65pt; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>25.00%</font></FONT></P>
                        </TD>
                        <TD colspan="2" style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; ">
                            <P style="text-align: center; margin-top: 1.65pt; margin-bottom: 1.65pt; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>-15.00%</font></FONT></P>
                        </TD>
                        <TD>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; min-height: 17.32pt; ">
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; ">
                            <P style="margin-top: 1.65pt; margin-bottom: 1.65pt; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Return on the Notes</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; ">
                            <P style="text-align: center; margin-top: 1.65pt; margin-bottom: 1.65pt; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>20.40%</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; ">
                            <P style="text-align: center; margin-top: 1.65pt; margin-bottom: 1.65pt; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>40.80%</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; ">
                            <P style="text-align: center; margin-top: 1.65pt; margin-bottom: 1.65pt; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>61.20%</font></FONT></P>
                        </TD>
                        <TD colspan="2" style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; ">
                            <P style="text-align: center; margin-top: 1.65pt; margin-bottom: 1.65pt; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>-15.00%</font></FONT></P>
                        </TD>
                        <TD>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; min-height: 17.32pt; ">
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; ">
                            <P style="margin-top: 1.65pt; margin-bottom: 1.65pt; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Call Amount / Redemption Amount per Unit</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; ">
                            <P style="text-align: center; margin-top: 1.65pt; margin-bottom: 1.65pt; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>$12.04</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; ">
                            <P style="text-align: center; margin-top: 1.65pt; margin-bottom: 1.65pt; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>$14.08</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; ">
                            <P style="text-align: center; margin-top: 1.65pt; margin-bottom: 1.65pt; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>$16.12</font></FONT></P>
                        </TD>
                        <TD colspan="2" style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; ">
                            <P style="text-align: center; margin-top: 1.65pt; margin-bottom: 1.65pt; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>$8.50</font></FONT></P>
                        </TD>
                        <TD>
                        </TD>
                    </TR>
                </TABLE>
                <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
            </DIV>
            <DIV style="width: 595.21pt; padding: 0 39.00pt 23.43pt 39.00pt; min-height: 23.38pt; position: relative; ">
                <TABLE width="607.09pt" style="margin-left: -5.94pt; width: 607.09pt; table-layout: fixed; border-collapse: collapse; ">
                    <TR>
                        <TD width="555.39pt" style="width: 555.39pt; border: 0; margin: 0; padding: 0; height: 0; ">
                        </TD>
                        <TD width="51.70pt" style="width: 51.70pt; border: 0; margin: 0; padding: 0; height: 0; ">
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-top:  0.50pt solid #008000; ">
                            <P style="text-align: left; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; color: #5B862B; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Autocallable Strategic Accelerated Redemption Securities</font></FONT><FONT style="font-family: Arial, sans-serif; color: #5B862B; vertical-align: super; font-size: 7pt; "><font style='white-space: pre-wrap;'>&#174;</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-top:  0.50pt solid #008000; ">
                            <P style="text-align: right; margin-top: 0; margin-bottom: 0; "><FONT style="color: #5B862B; font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>TS-</font><FONT>5</FONT></FONT></P>
                        </TD>
                    </TR>
                </TABLE>
                <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; ">&nbsp;</FONT></P>
            </DIV>
        </DIV>
        <DIV style="page-break-after: always; border-bottom: 1pt solid black; ">
            <P></P>
        </DIV>
        <DIV style="margin: auto; width: 673.20pt; padding: 36pt 0; ">
            <DIV style="width: 595.21pt; padding: 31.19pt 39.00pt 0 39.00pt; min-height: 48.02pt; position: relative; ">
                <TABLE width="100.00%" style="margin-left: -5.94pt; width: 100.00%; table-layout: fixed; border-collapse: collapse; ">
                    <TR>
                        <TD width="88.97%" style="width: 88.97%; border: 0; margin: 0; padding: 0; height: 0; ">
                        </TD>
                        <TD width="21.03%" style="width: 21.03%; border: 0; margin: 0; padding: 0; height: 0; ">
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; min-height: 23.32pt; ">
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-bottom:  4.50pt solid #5B862B; ">
                            <P style="margin-top: 0; margin-bottom: 0; "><FONT style="color: #5B862B; font-size: 16.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>Autocallable Strategic Accelerated Redemption Securities</font></FONT><FONT style="color: #5B862B; font-size: 14pt; vertical-align: super; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>&#174; </font></FONT><FONT style="color: #5B862B; font-size: 16.0pt; font-family: Arial, sans-serif; "><BR></FONT><FONT style="color: #5B862B; font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Linked to a Basket of Three Financial Sector Stocks due November 27, 2028</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-bottom:  4.50pt solid #5B862B; ">
                            <P style="text-align: right; margin-top: 0; margin-bottom: 0; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; ">&nbsp;</FONT></P>
                            <P style="text-align: right; margin-top: 0; margin-bottom: 0; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; ">&nbsp;</FONT></P>
                            <P style="text-align: right; margin-top: 0; margin-bottom: 0; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; ">&nbsp;</FONT></P>
                        </TD>
                    </TR>
                </TABLE>
                <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; ">&nbsp;</FONT></P>
            </DIV>
            <DIV style="width: 595.21pt; padding: 10pt 39.00pt 10pt 39.00pt; position: relative; margin-bottom: 20pt; ">
                <P style="margin-top: 0.0pt; margin-bottom: 0; "><FONT style="font-size: 20.0pt; font-family: Arial, sans-serif; color: #5B862B; "><font style='white-space: pre-wrap;'>Risk Factors</font></FONT></P>
                <P style="text-align: justify; margin-top: 5.5pt; margin-bottom: 0; "><FONT style="font-style: italic; font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>There are important differences between the notes and a conventional debt security. An investment in the notes involves significant risks, including those listed below. You should carefully review the more detailed explanation of risks relating to the notes in the &#8220;Risk Factors&#8221; sections beginning on page PS-7 of product supplement STOCK STR-1, page S-2 of the prospectus supplement, and page 8 of the prospectus identified above. We also urge you to consult your investment, legal, tax, accounting, and other advisors concerning an investment in the notes.</font></FONT></P>
                <P style="text-indent: -19.8pt; padding-left: 19.8pt; text-align: justify; margin-top: 5.5pt; margin-bottom: 0; "><FONT style="font-weight: bold; text-decoration-style: solid; text-decoration-line: underline; font-family: Arial, sans-serif; font-size: 9.0pt; "><U><font style='white-space: pre-wrap;'>Structure-</font></U><U><font style='white-space: pre-wrap;'>R</font></U><U><font style='white-space: pre-wrap;'>elated Risks </font></U></FONT></P>
                <P style="text-align: justify; margin-top: 5.5pt; margin-bottom: 0; margin-left: 39.00pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; color: #5B862B; font-size: 9.0pt; ">&#65517;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>If the notes are not automatically called, your investment will result in a loss; there is no guaranteed return of principal.</font></FONT></FONT></P>
                <P style="text-align: justify; margin-top: 5.5pt; margin-bottom: 0; margin-left: 39.00pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; color: #5B862B; font-size: 9.0pt; ">&#65517;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Your return on the notes may be less than the yield you could earn by owning a conventional fixed or floating rate debt security of comparable maturity.</font></FONT></FONT></P>
                <P style="text-align: justify; margin-top: 5.5pt; margin-bottom: 0; margin-left: 39.00pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; color: #5B862B; font-size: 9.0pt; ">&#65517;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Your investment return is limited to the return represented by the applicable Call Premium and may be less than a comparable investment directly in the Basket Stocks.</font></FONT></FONT></P>
                <P style="text-indent: 0.0pt; padding-left: 0.0pt; text-align: justify; margin-top: 5.5pt; margin-bottom: 0; "><FONT style="font-weight: bold; text-decoration-style: solid; text-decoration-line: underline; font-family: Arial, sans-serif; font-size: 9.0pt; "><U><font style='white-space: pre-wrap;'>Market Measure-</font></U><U><font style='white-space: pre-wrap;'>R</font></U><U><font style='white-space: pre-wrap;'>elated Risks</font></U></FONT></P>
                <P style="text-align: justify; margin-top: 5.5pt; margin-bottom: 0.0pt; margin-left: 39.60pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; color: #5B862B; font-size: 9.0pt; ">&#65517;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="color: black; font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>No Underlying Company will have any obligations relating to the notes, and none of us, MLPF&amp;S or BofAS will perform any due diligence procedures with respect to any Underlying Company in connection with this offering.</font></FONT></FONT></P>
                <P style="text-align: justify; margin-top: 5.5pt; margin-bottom: 0.0pt; margin-left: 39.60pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; color: #5B862B; font-size: 9.0pt; ">&#65517;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="color: black; font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>Changes in the price of one of the Basket Stocks may be offset by changes in the prices of the other Basket Stocks.  </font></FONT></FONT></P>
                <P style="text-align: justify; margin-top: 5.5pt; margin-bottom: 0.0pt; margin-left: 39.60pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; color: #5B862B; font-size: 9.0pt; ">&#65517;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="color: black; font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>You will have no rights of a holder of the Basket Stocks, and you will not be entitled to receive any shares of the Basket Stocks or dividends or other distributions by any Underlying Company.</font></FONT></FONT></P>
                <P style="text-align: justify; margin-top: 5.5pt; margin-bottom: 0.0pt; margin-left: 39.60pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; color: #5B862B; font-size: 9.0pt; ">&#65517;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="color: black; font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>While we, MLPF&amp;S, BofAS or our respective affiliates may from time to time own shares of the Underlying Companies, none of us, MLPF&amp;S, BofAS or our respective affiliates control any Underlying Company, and have not verified any disclosure made by any Underlying Company.</font></FONT></FONT></P>
                <P style="text-align: justify; margin-top: 5.5pt; margin-bottom: 0; margin-left: 39.00pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; color: #5B862B; font-size: 9.0pt; ">&#65517;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Payments on the notes will not be adjusted for all corporate events that could affect the Basket Stocks. See &#8220;Description of The Notes&#8212; Anti-Dilution Adjustments&#8221; beginning on page PS-23 of product supplement STOCK STR-1. </font></FONT></FONT></P>
                <P style="text-indent: 0.0pt; padding-left: 0.0pt; text-align: justify; margin-top: 5.5pt; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; text-decoration-style: solid; text-decoration-line: underline; font-size: 9.0pt; "><U><font style='white-space: pre-wrap;'>Valuation and Market-</font></U><U><font style='white-space: pre-wrap;'>R</font></U><U><font style='white-space: pre-wrap;'>elated Risks</font></U></FONT></P>
                <P style="margin-top: 2.64pt; text-align: justify; margin-bottom: 0; margin-left: 39.60pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; color: #76923C; font-size: 9.0pt; ">&#65517;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Our initial estimated value of the notes is lower than the public offering price of the notes. Our initial estimated value of the notes is only an estimate. The public offering price of the notes exceeds our initial estimated value because it includes costs associated with selling and structuring the notes, as well as hedging our obligations under the notes, with a third party, which may include BofAS or one of its affiliates. These costs include the underwriting discount and an expected hedging related charge, as further described in &#8220;Structuring the Notes&#8221; on page TS-15.</font></FONT></FONT></P>
                <P style="text-align: justify; margin-top: 5.5pt; margin-bottom: 0; margin-left: 39.60pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; color: #76923C; font-size: 9.0pt; ">&#65517;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Our initial estimated value of the notes does not represent future values of the notes and may differ from others&#8217; estimates. Our initial estimated value of the notes was determined by reference to our internal pricing models when the terms of the notes were set. These pricing models consider certain factors, such as our internal funding rate on the pricing date, the expected term of the notes, market conditions and other relevant factors existing at that time, and our assumptions about market parameters, which can include volatility, dividend rates, interest rates and other factors. Different pricing models and assumptions could provide valuations for the notes that are different from our initial estimated value. In addition, market conditions and other relevant factors in the future may change, and any of our assumptions may prove to be incorrect. On future dates, the market value of the notes could change significantly based on, among other things, the performance of the Basket, changes in market conditions, our creditworthiness, interest rate movements and other relevant factors. These factors, together with various credit, market and economic factors over the term of the notes, are expected to reduce the price at which you may be able to sell the notes in any secondary market and will affect the value of the notes in complex and unpredictable ways. Our initial estimated value does not represent a minimum price at which we or any agents would be willing to buy your notes in any secondary market (if any exists) at any time.</font></FONT></FONT></P>
                <P style="text-align: justify; margin-top: 5.5pt; margin-bottom: 0; margin-left: 39.60pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; color: #76923C; font-size: 9.0pt; ">&#65517;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Our initial estimated value is not determined by reference to credit spreads or the borrowing rate we would pay for our conventional fixed-rate debt securities. The internal funding rate used in the determination of our initial estimated value of the notes generally represents a discount from the credit spreads for our conventional fixed-rate debt securities and the borrowing rate we would pay for our conventional fixed-rate debt securities. If we were to use the interest rate implied by the credit spreads for our conventional fixed-rate debt securities, or the borrowing rate we would pay for our conventional fixed-rate debt securities, we would expect the economic terms of the notes to be more favorable to you. Consequently, our use of an internal funding rate for the notes would have an adverse effect on the economic terms of the notes, the initial estimated value of the notes on the pricing date, and the price at which you may be able to sell the notes in any secondary market.</font></FONT></FONT></P>
                <P style="text-align: justify; margin-top: 5.5pt; margin-bottom: 0; margin-left: 39.60pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; color: #76923C; font-size: 9.0pt; ">&#65517;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>A trading market is not expected to develop for the notes. None of us, MLPF&amp;S or BofAS is obligated to make a market for, or to repurchase, the notes. There is no assurance that any party will be willing to purchase your notes at any price in any secondary market. </font></FONT></FONT></P>
            </DIV>
            <DIV style="width: 595.21pt; padding: 0 39.00pt 23.43pt 39.00pt; min-height: 23.38pt; position: relative; ">
                <TABLE width="607.09pt" style="margin-left: -5.94pt; width: 607.09pt; table-layout: fixed; border-collapse: collapse; ">
                    <TR>
                        <TD width="555.39pt" style="width: 555.39pt; border: 0; margin: 0; padding: 0; height: 0; ">
                        </TD>
                        <TD width="51.70pt" style="width: 51.70pt; border: 0; margin: 0; padding: 0; height: 0; ">
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-top:  0.50pt solid #008000; ">
                            <P style="text-align: left; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; color: #5B862B; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Autocallable Strategic Accelerated Redemption Securities</font></FONT><FONT style="font-family: Arial, sans-serif; color: #5B862B; vertical-align: super; font-size: 7pt; "><font style='white-space: pre-wrap;'>&#174;</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-top:  0.50pt solid #008000; ">
                            <P style="text-align: right; margin-top: 0; margin-bottom: 0; "><FONT style="color: #5B862B; font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>TS-</font><FONT>6</FONT></FONT></P>
                        </TD>
                    </TR>
                </TABLE>
                <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; ">&nbsp;</FONT></P>
            </DIV>
        </DIV>
        <DIV style="page-break-after: always; border-bottom: 1pt solid black; ">
            <P></P>
        </DIV>
        <DIV style="margin: auto; width: 673.20pt; padding: 36pt 0; ">
            <DIV style="width: 595.21pt; padding: 31.19pt 39.00pt 0 39.00pt; min-height: 48.02pt; position: relative; ">
                <TABLE width="100.00%" style="margin-left: -5.94pt; width: 100.00%; table-layout: fixed; border-collapse: collapse; ">
                    <TR>
                        <TD width="88.97%" style="width: 88.97%; border: 0; margin: 0; padding: 0; height: 0; ">
                        </TD>
                        <TD width="21.03%" style="width: 21.03%; border: 0; margin: 0; padding: 0; height: 0; ">
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; min-height: 23.32pt; ">
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-bottom:  4.50pt solid #5B862B; ">
                            <P style="margin-top: 0; margin-bottom: 0; "><FONT style="color: #5B862B; font-size: 16.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>Autocallable Strategic Accelerated Redemption Securities</font></FONT><FONT style="color: #5B862B; font-size: 14pt; vertical-align: super; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>&#174; </font></FONT><FONT style="color: #5B862B; font-size: 16.0pt; font-family: Arial, sans-serif; "><BR></FONT><FONT style="color: #5B862B; font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Linked to a Basket of Three Financial Sector Stocks due November 27, 2028</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-bottom:  4.50pt solid #5B862B; ">
                            <P style="text-align: right; margin-top: 0; margin-bottom: 0; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; ">&nbsp;</FONT></P>
                            <P style="text-align: right; margin-top: 0; margin-bottom: 0; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; ">&nbsp;</FONT></P>
                            <P style="text-align: right; margin-top: 0; margin-bottom: 0; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; ">&nbsp;</FONT></P>
                        </TD>
                    </TR>
                </TABLE>
                <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; ">&nbsp;</FONT></P>
            </DIV>
            <DIV style="width: 595.21pt; padding: 10pt 39.00pt 10pt 39.00pt; position: relative; margin-bottom: 20pt; ">
                <P style="text-align: justify; margin-top: 0; margin-bottom: 0; "><FONT style="font-weight: bold; text-decoration-style: solid; text-decoration-line: underline; font-family: Arial, sans-serif; font-size: 9.0pt; "><U><font style='white-space: pre-wrap;'>Conflict-</font></U><U><font style='white-space: pre-wrap;'>R</font></U><U><font style='white-space: pre-wrap;'>elated Risks</font></U></FONT></P>
                <P style="text-align: justify; margin-top: 5.5pt; margin-bottom: 0; margin-left: 39.60pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; color: #5B862B; font-size: 9.0pt; ">&#65517;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Our business, hedging and trading activities, and those of MLPF&amp;S, BofAS and our or their respective affiliates (including trades in shares of the Basket Stocks), and any hedging and trading activities we, MLPF&amp;S, BofAS or our or their respective affiliates engage in for our clients&#8217; accounts, may affect the market value of, and return on, the notes and may create conflicts of interest with you. </font></FONT></FONT></P>
                <P style="text-align: justify; margin-top: 5.5pt; margin-bottom: 0; margin-left: 39.60pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; color: #5B862B; font-size: 9.0pt; ">&#65517;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>There may be potential conflicts of interest involving the calculation agent, which is BofAS. We have the right to appoint and remove the calculation agent. </font></FONT></FONT></P>
                <P style="text-indent: -19.8pt; padding-left: 19.8pt; text-align: justify; margin-top: 5.5pt; margin-bottom: 0; "><FONT style="font-weight: bold; text-decoration-style: solid; text-decoration-line: underline; font-family: Arial, sans-serif; font-size: 9.0pt; "><U><font style='white-space: pre-wrap;'>General Credit</font></U><U><font style='white-space: pre-wrap;'>-Related</font></U><U><font style='white-space: pre-wrap;'> Risks</font></U></FONT></P>
                <P style="margin-top: 2.64pt; text-align: justify; margin-bottom: 0; margin-left: 39.60pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; color: #76923C; font-size: 9.0pt; ">&#65517;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Payments on the notes are subject to our credit risk, and actual or perceived changes in our creditworthiness are expected to affect the value of the notes. If we become insolvent or are unable to pay our obligations, you may lose your entire investment. </font></FONT></FONT></P>
                <P style="text-indent: -19.8pt; padding-left: 19.8pt; text-align: justify; margin-top: 5.5pt; margin-bottom: 0; "><FONT style="font-weight: bold; text-decoration-style: solid; text-decoration-line: underline; font-family: Arial, sans-serif; font-size: 9.0pt; "><U><font style='white-space: pre-wrap;'>Tax-</font></U><U><font style='white-space: pre-wrap;'>R</font></U><U><font style='white-space: pre-wrap;'>elated Risks</font></U></FONT></P>
                <P style="text-align: justify; margin-top: 5.5pt; margin-bottom: 0; margin-left: 39.60pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; color: #5B862B; font-size: 9.0pt; ">&#65517;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>The U.S. federal income tax consequences of the notes are uncertain, and may be adverse to a holder of the notes. See &#8220;Summary of U.S. Federal Income Tax Consequences&#8221; below.</font></FONT></FONT></P>
                <P style="text-align: justify; margin-top: 5.5pt; margin-bottom: 0; margin-left: 39.60pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; color: #5B862B; font-size: 9.0pt; ">&#65517;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>The conclusion that no portion of the interest paid or credited or deemed to be paid or credited on a note will be &#8220;Participating Debt Interest&#8221; subject to Canadian withholding tax is based in part on the current published administrative position of the CRA. There cannot be any assurance that CRA&#8217;s current published administrative practice will not be subject to change, including potential expansion in the current administrative interpretation of Participating Debt Interest subject to Canadian withholding tax. If, at any time, the interest paid or credited or deemed to be paid or credited on a note is subject to Canadian withholding tax, you will receive an amount that is less than the Redemption Amount. You should consult your own adviser as to the potential for such withholding and the potential for reduction or refund of part or all of such withholding, including under any bilateral Canadian tax treaty the benefits of which you may be entitled. For a discussion of the Canadian federal income tax consequences of investing in the notes, see &#8220;Summary of Canadian Federal Income Tax Consequences&#8221; below, &#8220;Canadian Taxation&#8212;Debt Securities&#8221; on page 66 of the prospectus, and &#8220;Supplemental Discussion of Canadian Federal Income Tax Consequences&#8221; on page PS-34 of product supplement STOCK STR-1.</font></FONT></FONT></P>
                <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; text-align: justify; "><FONT style="color: #5B862B; font-size: 20.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>Additional Risk Factors</font></FONT></P>
                <P style="margin-bottom: 2.2pt; text-align: justify; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #000000; text-decoration-style: solid; text-decoration-line: underline; font-size: 9.0pt; "><U><font style='white-space: pre-wrap;'>Additional Market Measure-Related Risks</font></U></FONT></P>
                <P style="margin-top: 6.6pt; margin-bottom: 3.3pt; text-align: justify; "><FONT style="font-weight: bold; font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>The Basket Stocks are concentrated in one sector.</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>  </font></FONT></P>
                <P style="margin-bottom: 6.6pt; text-align: justify; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>All of the Basket Stocks are issued by companies in the financial sector. Although an investment in the notes will not give holders any ownership or other direct interests in the Basket Stocks, the return on an investment in the notes will be subject to certain risks associated with a direct equity investment in companies in the financial services sector. Accordingly, by investing in the notes, you will not benefit from the diversification which could result from an investment linked to companies that operate in multiple sectors.</font></FONT></P>
                <P style="margin-bottom: 2.2pt; text-align: justify; margin-top: 0; "><FONT style="font-weight: bold; font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Adverse conditions in the financial sector may reduce your return on the notes.</font></FONT></P>
                <P style="margin-bottom: 6.6pt; text-align: justify; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>All of the Basket Stocks are issued by companies whose primary lines of business are directly associated with the financial services sector. The profitability of these companies is largely dependent on the availability and cost of capital funds, and can fluctuate significantly, particularly when market interest rates change. Credit losses resulting from financial difficulties of these companies&#8217; customers can negatively impact the sector. In addition, adverse international economic, business, or political developments, including with respect to the insurance sector, or to real estate and loans secured by real estate, could have a major effect on the value of the Basket. As a result of these factors, the value of the notes may be subject to greater volatility and be more adversely affected by economic, political, or regulatory events relating to the financial services sector.</font></FONT></P>
                <P style="margin-bottom: 6.6pt; text-align: justify; margin-top: 0; "><FONT style="font-weight: bold; font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Economic conditions have adversely impacted the stock prices of many companies in the financial services sector, and may do so during the term of the notes.</font></FONT></P>
                <P style="margin-bottom: 6.6pt; text-align: justify; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>In the past, international economic conditions have resulted, and may continue to result, in significant losses among many companies that operate in the financial services sector. These conditions have also resulted, and may continue to result, in a high degree of volatility in the stock prices of financial institutions, and substantial fluctuations in the profitability of these companies. Numerous financial services companies have experienced substantial decreases in the value of their assets, taken action to raise capital (including the issuance of debt or equity securities), or even ceased operations. Further, companies in the financial services sector have been subject to unprecedented government actions and regulation, which may limit the scope of their operations and, in turn, result in a decrease in value of these companies. Any of these factors may have an adverse impact on the performance of the Basket. As a result, the value of the Basket may be adversely affected by economic, political, or regulatory events affecting the financial services sector or one of the sub-sectors of the financial services sector. This in turn could adversely impact the market value of the notes and decrease the Redemption Amount.</font></FONT></P>
                <P style="margin-top: 4.4pt; margin-bottom: 0; "><FONT style="font-weight: bold; font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>OWL has limited actual historical information.</font></FONT></P>
                <P style="margin-top: 5.5pt; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>OWL has commenced trading recently. Because OWL has limited actual historical performance data, your investment in the notes may involve a greater risk than investing in notes linked to Underlying Companies with a more established record of performance.</font></FONT></P>
            </DIV>
            <DIV style="width: 595.21pt; padding: 0 39.00pt 23.43pt 39.00pt; min-height: 23.38pt; position: relative; ">
                <TABLE width="607.09pt" style="margin-left: -5.94pt; width: 607.09pt; table-layout: fixed; border-collapse: collapse; ">
                    <TR>
                        <TD width="555.39pt" style="width: 555.39pt; border: 0; margin: 0; padding: 0; height: 0; ">
                        </TD>
                        <TD width="51.70pt" style="width: 51.70pt; border: 0; margin: 0; padding: 0; height: 0; ">
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-top:  0.50pt solid #008000; ">
                            <P style="text-align: left; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; color: #5B862B; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Autocallable Strategic Accelerated Redemption Securities</font></FONT><FONT style="font-family: Arial, sans-serif; color: #5B862B; vertical-align: super; font-size: 7pt; "><font style='white-space: pre-wrap;'>&#174;</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-top:  0.50pt solid #008000; ">
                            <P style="text-align: right; margin-top: 0; margin-bottom: 0; "><FONT style="color: #5B862B; font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>TS-</font><FONT>7</FONT></FONT></P>
                        </TD>
                    </TR>
                </TABLE>
                <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; ">&nbsp;</FONT></P>
            </DIV>
        </DIV>
        <DIV style="page-break-after: always; border-bottom: 1pt solid black; ">
            <P></P>
        </DIV>
        <DIV style="margin: auto; width: 673.20pt; padding: 36pt 0; ">
            <DIV style="width: 595.21pt; padding: 31.19pt 39.00pt 0 39.00pt; min-height: 48.02pt; position: relative; ">
                <TABLE width="100.00%" style="margin-left: -5.94pt; width: 100.00%; table-layout: fixed; border-collapse: collapse; ">
                    <TR>
                        <TD width="88.97%" style="width: 88.97%; border: 0; margin: 0; padding: 0; height: 0; ">
                        </TD>
                        <TD width="21.03%" style="width: 21.03%; border: 0; margin: 0; padding: 0; height: 0; ">
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; min-height: 23.32pt; ">
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-bottom:  4.50pt solid #5B862B; ">
                            <P style="margin-top: 0; margin-bottom: 0; "><FONT style="color: #5B862B; font-size: 16.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>Autocallable Strategic Accelerated Redemption Securities</font></FONT><FONT style="color: #5B862B; font-size: 14pt; vertical-align: super; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>&#174; </font></FONT><FONT style="color: #5B862B; font-size: 16.0pt; font-family: Arial, sans-serif; "><BR></FONT><FONT style="color: #5B862B; font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Linked to a Basket of Three Financial Sector Stocks due November 27, 2028</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-bottom:  4.50pt solid #5B862B; ">
                            <P style="text-align: right; margin-top: 0; margin-bottom: 0; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; ">&nbsp;</FONT></P>
                            <P style="text-align: right; margin-top: 0; margin-bottom: 0; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; ">&nbsp;</FONT></P>
                            <P style="text-align: right; margin-top: 0; margin-bottom: 0; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; ">&nbsp;</FONT></P>
                        </TD>
                    </TR>
                </TABLE>
                <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; ">&nbsp;</FONT></P>
            </DIV>
            <DIV style="width: 595.21pt; padding: 10pt 39.00pt 10pt 39.00pt; position: relative; margin-bottom: 20pt; ">
                <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; "><FONT style="color: #5B862B; font-size: 20.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>The Basket</font></FONT></P>
                <P style="text-align: justify; margin-top: 5.5pt; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>The Basket is designed to allow investors to participate in the percentage changes in the prices of the Basket Stocks from the Starting Value to the Ending Value of the Basket. The Basket Stocks are described in the section &#8220;The Basket Stocks&#8221; below. Each Basket Stock was assigned an initial weight on the pricing date, as set forth in the table below. </font></FONT></P>
                <P style="text-align: justify; margin-top: 5.5pt; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>For more information on the calculation of the value of the Basket, please see the section entitled &#8220;Description of the Notes&#8212;Basket Market Measures&#8221; beginning on page PS-29 of product supplement STOCK STR-1.</font></FONT></P>
                <P style="text-align: justify; margin-top: 5.5pt; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>On the pricing date, for each Basket Stock, the Initial Component Weight, the Closing Market Price, the Component Ratio and the initial contribution to the Basket value were as follows:</font></FONT></P>
                <TABLE width="99.70%" style="margin-left: auto; width: 99.70%; table-layout: fixed; border-collapse: collapse; margin-right: auto; ">
                    <TR>
                        <TD width="158.40pt" style="width: 158.40pt; border: 0; margin: 0; padding: 0; height: 0; ">
                        </TD>
                        <TD width="14.52pt" style="width: 14.52pt; border: 0; margin: 0; padding: 0; height: 0; ">
                        </TD>
                        <TD width="64.18pt" style="width: 64.18pt; border: 0; margin: 0; padding: 0; height: 0; ">
                        </TD>
                        <TD width="14.63pt" style="width: 14.63pt; border: 0; margin: 0; padding: 0; height: 0; ">
                        </TD>
                        <TD width="87.12pt" style="width: 87.12pt; border: 0; margin: 0; padding: 0; height: 0; ">
                        </TD>
                        <TD width="14.63pt" style="width: 14.63pt; border: 0; margin: 0; padding: 0; height: 0; ">
                        </TD>
                        <TD width="58.74pt" style="width: 58.74pt; border: 0; margin: 0; padding: 0; height: 0; ">
                        </TD>
                        <TD width="14.03pt" style="width: 14.03pt; border: 0; margin: 0; padding: 0; height: 0; ">
                        </TD>
                        <TD width="71.34pt" style="width: 71.34pt; border: 0; margin: 0; padding: 0; height: 0; ">
                        </TD>
                        <TD width="12.81pt" style="width: 12.81pt; border: 0; margin: 0; padding: 0; height: 0; ">
                        </TD>
                        <TD width="83.05pt" style="width: 83.05pt; border: 0; margin: 0; padding: 0; height: 0; ">
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; vertical-align: bottom; border-bottom:  0.50pt solid black; ">
                            <P style="margin-top: 5.5pt; text-align: center; margin-bottom: 0; "><FONT style="font-weight: bold; font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Basket Stock</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; vertical-align: bottom; border-bottom:  0.50pt solid black; ">
                            <P style="margin-top: 5.5pt; text-align: center; margin-bottom: 0; "><FONT style="font-weight: bold; font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; vertical-align: bottom; border-bottom:  0.50pt solid black; ">
                            <P style="margin-top: 5.5pt; text-align: center; margin-bottom: 0; "><FONT style="font-weight: bold; font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Bloomberg Symbol</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; vertical-align: bottom; border-bottom:  0.50pt solid black; ">
                            <P style="margin-top: 5.5pt; text-align: center; margin-bottom: 0; "><FONT style="font-weight: bold; font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; vertical-align: bottom; border-bottom:  0.50pt solid black; ">
                            <P style="margin-top: 5.5pt; text-align: center; margin-bottom: 0; "><FONT style="font-weight: bold; font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Initial Component Weight</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; vertical-align: bottom; border-bottom:  0.50pt solid black; ">
                            <P style="margin-top: 5.5pt; text-align: center; margin-bottom: 0; "><FONT style="font-weight: bold; font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; vertical-align: bottom; border-bottom:  0.50pt solid black; ">
                            <P style="margin-top: 5.5pt; text-align: center; margin-bottom: 0; "><FONT style="font-weight: bold; font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Closing Market Price</font></FONT><FONT style="vertical-align: super; font-weight: bold; font-family: Arial, sans-serif; font-size: 7pt; "><font style='white-space: pre-wrap;'>(1)</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; vertical-align: bottom; border-bottom:  0.50pt solid black; ">
                            <P style="margin-top: 5.5pt; text-align: center; margin-bottom: 0; "><FONT style="font-weight: bold; font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; vertical-align: bottom; border-bottom:  0.50pt solid black; ">
                            <P style="margin-top: 5.5pt; text-align: center; margin-bottom: 0; "><FONT style="font-weight: bold; font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Component Ratio</font></FONT><FONT style="vertical-align: super; font-weight: bold; font-family: Arial, sans-serif; font-size: 7pt; "><font style='white-space: pre-wrap;'>(2)</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; vertical-align: bottom; border-bottom:  0.50pt solid black; ">
                            <P style="margin-top: 5.5pt; text-align: center; margin-bottom: 0; "><FONT style="font-weight: bold; font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; vertical-align: bottom; border-bottom:  0.50pt solid black; ">
                            <P style="margin-top: 5.5pt; text-align: center; margin-bottom: 0; "><FONT style="font-weight: bold; font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Initial Basket Value Contribution</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; min-height: 13.37pt; ">
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; vertical-align: middle; ">
                            <P style="margin-top: 5.5pt; text-align: center; margin-bottom: 0; "><FONT style="font-weight: normal; font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Ares Management Corporation</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; vertical-align: middle; ">
                            <P style="margin-top: 5.5pt; text-align: center; margin-bottom: 0; "><FONT style="font-weight: normal; font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; vertical-align: middle; ">
                            <P style="margin-top: 5.5pt; text-align: center; margin-bottom: 0; "><FONT style="font-weight: normal; font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>ARES</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; vertical-align: middle; ">
                            <P style="margin-top: 5.5pt; text-align: center; margin-bottom: 0; "><FONT style="font-weight: normal; font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; vertical-align: middle; ">
                            <P style="margin-top: 5.5pt; text-align: center; margin-bottom: 0; "><FONT style="font-weight: normal; font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>33.34%</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; vertical-align: middle; ">
                            <P style="margin-top: 5.5pt; text-align: center; margin-bottom: 0; "><FONT style="font-weight: normal; font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; vertical-align: middle; ">
                            <P style="margin-top: 5.5pt; text-align: center; margin-bottom: 0; "><FONT style="font-weight: normal; font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>$151.26</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; vertical-align: middle; ">
                            <P style="margin-top: 0.0pt; text-align: center; margin-bottom: 0; "><FONT style="font-weight: normal; font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; ">
                            <P style="margin-top: 5.5pt; text-align: center; margin-bottom: 0; "><FONT style="font-weight: normal; font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>0.22041518</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; vertical-align: middle; ">
                            <P style="margin-top: 5.5pt; text-align: center; margin-bottom: 0; "><FONT style="font-weight: normal; font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; vertical-align: middle; ">
                            <P style="margin-top: 5.5pt; text-align: center; margin-bottom: 0; "><FONT style="font-weight: normal; font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>33.34</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; min-height: 13.37pt; ">
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; vertical-align: middle; ">
                            <P style="margin-top: 5.5pt; text-align: center; margin-bottom: 0; "><FONT style="font-weight: normal; font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Citigroup Inc.</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; vertical-align: middle; ">
                            <P style="margin-top: 5.5pt; text-align: center; margin-bottom: 0; "><FONT style="font-weight: normal; font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; vertical-align: middle; ">
                            <P style="margin-top: 5.5pt; text-align: center; margin-bottom: 0; "><FONT style="font-weight: normal; font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>C</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; vertical-align: middle; ">
                            <P style="margin-top: 5.5pt; text-align: center; margin-bottom: 0; "><FONT style="font-weight: normal; font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; vertical-align: middle; ">
                            <P style="margin-top: 5.5pt; text-align: center; margin-bottom: 0; "><FONT style="font-weight: normal; font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>33.33%</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; vertical-align: middle; ">
                            <P style="margin-top: 5.5pt; text-align: center; margin-bottom: 0; "><FONT style="font-weight: normal; font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; ">
                            <P style="margin-top: 5.5pt; text-align: center; margin-bottom: 0; "><FONT style="font-weight: normal; font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>$100.85</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; vertical-align: middle; ">
                            <P style="margin-top: 0.0pt; text-align: center; margin-bottom: 0; "><FONT style="font-weight: normal; font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; ">
                            <P style="margin-top: 5.5pt; text-align: center; margin-bottom: 0; "><FONT style="font-weight: normal; font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>0.33049083</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; vertical-align: middle; ">
                            <P style="margin-top: 5.5pt; text-align: center; margin-bottom: 0; "><FONT style="font-weight: normal; font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; vertical-align: middle; ">
                            <P style="margin-top: 5.5pt; text-align: center; margin-bottom: 0; "><FONT style="font-weight: normal; font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>33.33</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; min-height: 13.37pt; ">
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; vertical-align: middle; ">
                            <P style="margin-top: 5.5pt; text-align: center; margin-bottom: 0; "><FONT style="font-weight: normal; font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Blue Owl Capital Inc. </font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; vertical-align: middle; ">
                            <P style="margin-top: 5.5pt; text-align: center; margin-bottom: 0; "><FONT style="font-weight: normal; font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; vertical-align: middle; ">
                            <P style="margin-top: 5.5pt; text-align: center; margin-bottom: 0; "><FONT style="font-weight: normal; font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>OWL</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; vertical-align: middle; ">
                            <P style="margin-top: 5.5pt; text-align: center; margin-bottom: 0; "><FONT style="font-weight: normal; font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; vertical-align: middle; ">
                            <P style="margin-top: 5.5pt; text-align: center; margin-bottom: 0; "><FONT style="font-weight: normal; font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>33.33%</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; vertical-align: middle; ">
                            <P style="margin-top: 5.5pt; text-align: center; margin-bottom: 0; "><FONT style="font-weight: normal; font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; ">
                            <P style="margin-top: 5.5pt; text-align: center; margin-bottom: 0; "><FONT style="font-weight: normal; font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>$14.95</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; vertical-align: middle; ">
                            <P style="margin-top: 0.0pt; text-align: center; margin-bottom: 0; "><FONT style="font-weight: normal; font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; ">
                            <P style="margin-top: 5.5pt; text-align: center; margin-bottom: 0; "><FONT style="font-weight: normal; font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>2.22943144</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; vertical-align: middle; ">
                            <P style="margin-top: 5.5pt; text-align: center; margin-bottom: 0; "><FONT style="font-weight: normal; font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; vertical-align: middle; ">
                            <P style="margin-top: 5.5pt; text-align: center; margin-bottom: 0; "><FONT style="font-weight: normal; font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>33.33</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; min-height: 3.52pt; ">
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; vertical-align: middle; ">
                            <P style="margin-top: 5.5pt; text-align: center; margin-bottom: 0; "><FONT style="font-weight: normal; font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; vertical-align: middle; ">
                            <P style="margin-top: 5.5pt; text-align: center; margin-bottom: 0; "><FONT style="font-weight: normal; font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; vertical-align: middle; ">
                            <P style="margin-top: 5.5pt; text-align: center; margin-bottom: 0; "><FONT style="font-weight: normal; font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; vertical-align: middle; ">
                            <P style="margin-top: 5.5pt; text-align: center; margin-bottom: 0; "><FONT style="font-weight: normal; font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; vertical-align: middle; ">
                            <P style="margin-top: 5.5pt; text-align: center; margin-bottom: 0; "><FONT style="font-weight: normal; font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; vertical-align: middle; ">
                            <P style="margin-top: 5.5pt; text-align: center; margin-bottom: 0; "><FONT style="font-weight: normal; font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; vertical-align: middle; ">
                            <P style="margin-top: 5.5pt; text-align: center; margin-bottom: 0; "><FONT style="font-weight: normal; font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; vertical-align: middle; ">
                            <P style="margin-top: 5.5pt; text-align: center; margin-bottom: 0; "><FONT style="font-weight: normal; font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; vertical-align: middle; ">
                            <P style="margin-top: 5.5pt; text-align: center; margin-bottom: 0; "><FONT style="font-weight: bold; font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Starting Value</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; vertical-align: middle; ">
                            <P style="margin-top: 5.5pt; text-align: center; margin-bottom: 0; "><FONT style="font-weight: normal; font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; vertical-align: middle; ">
                            <P style="margin-top: 5.5pt; text-align: center; margin-bottom: 0; "><FONT style="font-weight: normal; font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>100.00</font></FONT></P>
                        </TD>
                    </TR>
                </TABLE>
                <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; text-align: justify; margin-left: 19.80pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; font-family: Arial, sans-serif; font-size: 9.0pt; color: black; ">(1)</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-size: 9.0pt; color: black; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>These were the Closing Market Prices of the Basket Stocks on the pricing date.</font></FONT></FONT></P>
                <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; text-align: justify; margin-left: 19.80pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; font-family: Arial, sans-serif; font-size: 9.0pt; color: black; ">(2)</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-size: 9.0pt; color: black; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>Each Component Ratio equals the Initial Component Weight of the relevant Basket Stock (as a percentage) multiplied by 100.00, and then divided by the Closing Market Price of that Basket Stock on the pricing date and rounded to eight decimal places.</font></FONT></FONT></P>
                <P style="text-align: justify; margin-top: 5.5pt; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>The calculation agent will calculate the value of the Basket on each Observation Date by summing the products of the Closing Market Price for each Basket Stock on the calculation day multiplied by (a) its Price Multiplier on that day and (b) the Component Ratio applicable to that Basket Stock. The Price Multiplier for each Basket Stock will initially be 1, and is subject to adjustment as described in product supplement STOCK STR-1. If (i) a Market Disruption Event occurs as to any Basket Stock on a scheduled Observation Date or (ii) the scheduled Observation Date is determined by the calculation agent not to be a Market Measure Business Day for any Basket Stock by reason of an extraordinary event, occurrence, declaration or otherwise, the Closing Market Price of that Basket Stock will be determined as more fully described in the section entitled &#8220;Description of the Notes &#8212; Basket Market Measures&#8212; Observation Level and Ending Value of the Basket&#8221; beginning on page PS-31 of product supplement STOCK STR-1.</font></FONT></P>
            </DIV>
            <DIV style="width: 595.21pt; padding: 0 39.00pt 23.43pt 39.00pt; min-height: 23.38pt; position: relative; ">
                <TABLE width="607.09pt" style="margin-left: -5.94pt; width: 607.09pt; table-layout: fixed; border-collapse: collapse; ">
                    <TR>
                        <TD width="555.39pt" style="width: 555.39pt; border: 0; margin: 0; padding: 0; height: 0; ">
                        </TD>
                        <TD width="51.70pt" style="width: 51.70pt; border: 0; margin: 0; padding: 0; height: 0; ">
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-top:  0.50pt solid #008000; ">
                            <P style="text-align: left; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; color: #5B862B; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Autocallable Strategic Accelerated Redemption Securities</font></FONT><FONT style="font-family: Arial, sans-serif; color: #5B862B; vertical-align: super; font-size: 7pt; "><font style='white-space: pre-wrap;'>&#174;</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-top:  0.50pt solid #008000; ">
                            <P style="text-align: right; margin-top: 0; margin-bottom: 0; "><FONT style="color: #5B862B; font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>TS-</font><FONT>8</FONT></FONT></P>
                        </TD>
                    </TR>
                </TABLE>
                <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; ">&nbsp;</FONT></P>
            </DIV>
        </DIV>
        <DIV style="page-break-after: always; border-bottom: 1pt solid black; ">
            <P></P>
        </DIV>
        <DIV style="margin: auto; width: 673.20pt; padding: 36pt 0; ">
            <DIV style="width: 595.21pt; padding: 31.19pt 39.00pt 0 39.00pt; min-height: 48.02pt; position: relative; ">
                <TABLE width="100.00%" style="margin-left: -5.94pt; width: 100.00%; table-layout: fixed; border-collapse: collapse; ">
                    <TR>
                        <TD width="88.97%" style="width: 88.97%; border: 0; margin: 0; padding: 0; height: 0; ">
                        </TD>
                        <TD width="21.03%" style="width: 21.03%; border: 0; margin: 0; padding: 0; height: 0; ">
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; min-height: 23.32pt; ">
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-bottom:  4.50pt solid #5B862B; ">
                            <P style="margin-top: 0; margin-bottom: 0; "><FONT style="color: #5B862B; font-size: 16.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>Autocallable Strategic Accelerated Redemption Securities</font></FONT><FONT style="color: #5B862B; font-size: 14pt; vertical-align: super; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>&#174; </font></FONT><FONT style="color: #5B862B; font-size: 16.0pt; font-family: Arial, sans-serif; "><BR></FONT><FONT style="color: #5B862B; font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Linked to a Basket of Three Financial Sector Stocks due November 27, 2028</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-bottom:  4.50pt solid #5B862B; ">
                            <P style="text-align: right; margin-top: 0; margin-bottom: 0; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; ">&nbsp;</FONT></P>
                            <P style="text-align: right; margin-top: 0; margin-bottom: 0; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; ">&nbsp;</FONT></P>
                            <P style="text-align: right; margin-top: 0; margin-bottom: 0; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; ">&nbsp;</FONT></P>
                        </TD>
                    </TR>
                </TABLE>
                <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; ">&nbsp;</FONT></P>
            </DIV>
            <DIV style="width: 595.21pt; padding: 10pt 39.00pt 10pt 39.00pt; position: relative; margin-bottom: 20pt; ">
                <P style="text-align: justify; margin-top: 5.5pt; margin-bottom: 0; "><FONT style="font-weight: bold; font-style: italic; font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>While actual historical information on the Basket did not exist before the pricing date, the following graph sets forth the hypothetical historical performance of the Basket from December 14, 2020 (which is the latest date on which a Basket Stock began trading) through November 6, 2025. The graph is based upon actual daily historical prices of the Basket Stocks, hypothetical Component Ratios based on the Closing Market Prices of the Basket Stocks as of December 14, 2020, and a Basket value of 100.00 as of that date. This hypothetical historical data on the Basket is not necessarily indicative of the future performance of the Basket or what the value of the notes may be. Any hypothetical historical upward or downward trend in the value of the Basket during any period set forth below is not an indication that the value of the Basket is more or less likely to increase or decrease at any time over the term of the notes. </font></FONT></P>
                <P style="text-align: center; margin-top: 5.5pt; margin-bottom: 0; "><FONT style="font-weight: bold; font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Hypothetical Historical Performance of the Basket</font></FONT></P>
                <P style="text-align: center; margin-top: 5.5pt; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; ">                        <IMG width="397.10pt" height="239.75pt" src="image5.gif" style="width: 397.10pt; height: 239.75pt; ">
                        </FONT></P>
            </DIV>
            <DIV style="width: 595.21pt; padding: 0 39.00pt 23.43pt 39.00pt; min-height: 23.38pt; position: relative; ">
                <TABLE width="607.09pt" style="margin-left: -5.94pt; width: 607.09pt; table-layout: fixed; border-collapse: collapse; ">
                    <TR>
                        <TD width="555.39pt" style="width: 555.39pt; border: 0; margin: 0; padding: 0; height: 0; ">
                        </TD>
                        <TD width="51.70pt" style="width: 51.70pt; border: 0; margin: 0; padding: 0; height: 0; ">
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-top:  0.50pt solid #008000; ">
                            <P style="text-align: left; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; color: #5B862B; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Autocallable Strategic Accelerated Redemption Securities</font></FONT><FONT style="font-family: Arial, sans-serif; color: #5B862B; vertical-align: super; font-size: 7pt; "><font style='white-space: pre-wrap;'>&#174;</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-top:  0.50pt solid #008000; ">
                            <P style="text-align: right; margin-top: 0; margin-bottom: 0; "><FONT style="color: #5B862B; font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>TS-</font><FONT>9</FONT></FONT></P>
                        </TD>
                    </TR>
                </TABLE>
                <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; ">&nbsp;</FONT></P>
            </DIV>
        </DIV>
        <DIV style="page-break-after: always; border-bottom: 1pt solid black; ">
            <P></P>
        </DIV>
        <DIV style="margin: auto; width: 673.20pt; padding: 36pt 0; ">
            <DIV style="width: 595.21pt; padding: 31.19pt 39.00pt 0 39.00pt; min-height: 48.02pt; position: relative; ">
                <TABLE width="100.00%" style="margin-left: -5.94pt; width: 100.00%; table-layout: fixed; border-collapse: collapse; ">
                    <TR>
                        <TD width="88.97%" style="width: 88.97%; border: 0; margin: 0; padding: 0; height: 0; ">
                        </TD>
                        <TD width="21.03%" style="width: 21.03%; border: 0; margin: 0; padding: 0; height: 0; ">
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; min-height: 23.32pt; ">
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-bottom:  4.50pt solid #5B862B; ">
                            <P style="margin-top: 0; margin-bottom: 0; "><FONT style="color: #5B862B; font-size: 16.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>Autocallable Strategic Accelerated Redemption Securities</font></FONT><FONT style="color: #5B862B; font-size: 14pt; vertical-align: super; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>&#174; </font></FONT><FONT style="color: #5B862B; font-size: 16.0pt; font-family: Arial, sans-serif; "><BR></FONT><FONT style="color: #5B862B; font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Linked to a Basket of Three Financial Sector Stocks due November 27, 2028</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-bottom:  4.50pt solid #5B862B; ">
                            <P style="text-align: right; margin-top: 0; margin-bottom: 0; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; ">&nbsp;</FONT></P>
                            <P style="text-align: right; margin-top: 0; margin-bottom: 0; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; ">&nbsp;</FONT></P>
                            <P style="text-align: right; margin-top: 0; margin-bottom: 0; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; ">&nbsp;</FONT></P>
                        </TD>
                    </TR>
                </TABLE>
                <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; ">&nbsp;</FONT></P>
            </DIV>
            <DIV style="width: 595.21pt; padding: 10pt 39.00pt 10pt 39.00pt; position: relative; margin-bottom: 20pt; ">
                <P style="margin-top: 5.5pt; margin-bottom: 0; "><FONT style="color: #5B862B; font-size: 20.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>The Basket Stocks</font></FONT></P>
                <P style="text-align: justify; margin-top: 5.5pt; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>We have derived the following information from publicly available documents. We have not independently verified the accuracy or completeness of the following information. </font></FONT></P>
                <P style="text-align: justify; margin-top: 5.5pt; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Because each Basket Stock is registered under the Securities Exchange Act of 1934, each Underlying Company is required to file periodically certain financial and other information specified by the SEC. Information provided to or filed with the SEC by the Underlying Companies can be located through the SEC&#8217;s website at http://www.sec.gov by reference to the applicable CIK number set forth below.</font></FONT></P>
                <P style="text-align: justify; margin-top: 5.5pt; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>This term sheet relates only to the notes and does not relate to the Basket Stocks or to any other securities of the Underlying Companies. None of us, MLPF&amp;S, BofAS or any of our respective affiliates has participated or will participate in the preparation of any Underlying Company&#8217;s publicly available documents. None of us, MLPF&amp;S, BofAS or any of our respective affiliates has made any due diligence inquiry with respect to any Underlying Company in connection with the offering of the notes. None of us, MLPF&amp;S, BofAS or any of our respective affiliates makes any representation that the publicly available documents or any other publicly available information regarding any Underlying Company are accurate or complete. Furthermore, there can be no assurance that all events occurring prior to the date of this term sheet, including events that would affect the accuracy or completeness of these publicly available documents that would affect the trading price of a Basket Stock, have been or will be publicly disclosed. Subsequent disclosure of any events or the disclosure of or failure to disclose material future events concerning an Underlying Company could affect the price of its Basket Stock and therefore could affect your return on the notes.  The selection of the Basket Stocks is not a recommendation to buy or sell the Basket Stocks.</font></FONT></P>
            </DIV>
            <DIV style="width: 595.21pt; padding: 0 39.00pt 23.43pt 39.00pt; min-height: 23.38pt; position: relative; ">
                <TABLE width="607.09pt" style="margin-left: -5.94pt; width: 607.09pt; table-layout: fixed; border-collapse: collapse; ">
                    <TR>
                        <TD width="555.39pt" style="width: 555.39pt; border: 0; margin: 0; padding: 0; height: 0; ">
                        </TD>
                        <TD width="51.70pt" style="width: 51.70pt; border: 0; margin: 0; padding: 0; height: 0; ">
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-top:  0.50pt solid #008000; ">
                            <P style="text-align: left; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; color: #5B862B; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Autocallable Strategic Accelerated Redemption Securities</font></FONT><FONT style="font-family: Arial, sans-serif; color: #5B862B; vertical-align: super; font-size: 7pt; "><font style='white-space: pre-wrap;'>&#174;</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-top:  0.50pt solid #008000; ">
                            <P style="text-align: right; margin-top: 0; margin-bottom: 0; "><FONT style="color: #5B862B; font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>TS-</font><FONT>10</FONT></FONT></P>
                        </TD>
                    </TR>
                </TABLE>
                <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; ">&nbsp;</FONT></P>
            </DIV>
        </DIV>
        <DIV style="page-break-after: always; border-bottom: 1pt solid black; ">
            <P></P>
        </DIV>
        <DIV style="margin: auto; width: 673.20pt; padding: 36pt 0; ">
            <DIV style="width: 595.21pt; padding: 31.19pt 39.00pt 0 39.00pt; min-height: 48.02pt; position: relative; ">
                <TABLE width="100.00%" style="margin-left: -5.94pt; width: 100.00%; table-layout: fixed; border-collapse: collapse; ">
                    <TR>
                        <TD width="88.97%" style="width: 88.97%; border: 0; margin: 0; padding: 0; height: 0; ">
                        </TD>
                        <TD width="21.03%" style="width: 21.03%; border: 0; margin: 0; padding: 0; height: 0; ">
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; min-height: 23.32pt; ">
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-bottom:  4.50pt solid #5B862B; ">
                            <P style="margin-top: 0; margin-bottom: 0; "><FONT style="color: #5B862B; font-size: 16.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>Autocallable Strategic Accelerated Redemption Securities</font></FONT><FONT style="color: #5B862B; font-size: 14pt; vertical-align: super; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>&#174; </font></FONT><FONT style="color: #5B862B; font-size: 16.0pt; font-family: Arial, sans-serif; "><BR></FONT><FONT style="color: #5B862B; font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Linked to a Basket of Three Financial Sector Stocks due November 27, 2028</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-bottom:  4.50pt solid #5B862B; ">
                            <P style="text-align: right; margin-top: 0; margin-bottom: 0; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; ">&nbsp;</FONT></P>
                            <P style="text-align: right; margin-top: 0; margin-bottom: 0; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; ">&nbsp;</FONT></P>
                            <P style="text-align: right; margin-top: 0; margin-bottom: 0; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; ">&nbsp;</FONT></P>
                        </TD>
                    </TR>
                </TABLE>
                <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; ">&nbsp;</FONT></P>
            </DIV>
            <DIV style="width: 595.21pt; padding: 10pt 39.00pt 10pt 39.00pt; position: relative; margin-bottom: 20pt; ">
                <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-weight: bold; font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Ares Management Corporation </font></FONT></P>
                <P style="margin-top: 5.5pt; margin-bottom: 5.5pt; text-align: justify; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>According to publicly available information, Ares Management Corporation (&#8220;Ares&#8221;) is an alternative investment manager operating in the credit, real estate, private equity and infrastructure asset classes. Information filed by ARES with the SEC can be located by reference to its SEC file number: 001-36429, or its CIK Code: 0001176948. Ares' common stock is listed on the New York Stock Exchange under the ticker symbol &#8220;ARES&#8221;.</font></FONT></P>
                <P style="margin-top: 5.5pt; margin-bottom: 5.5pt; text-align: justify; "><FONT style="font-weight: bold; font-style: italic; font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>The following graph shows the daily historical performance of Ares on its primary exchange in the period from January 1, 2015 through November 6, 2025. We obtained this historical data from Bloomberg L.P. We have not independently verified the accuracy or completeness of the information obtained from Bloomberg L.P. On the pricing date, the Closing Market Price of Ares was $151.26. The graph below may have been adjusted to reflect certain corporate actions such as stock splits and reverse stock splits. </font></FONT></P>
                <P style="margin-top: 5.5pt; margin-bottom: 5.5pt; text-align: center; text-indent: 0.0pt; padding-left: 0.0pt; "><FONT style="font-weight: bold; font-size: 9.0pt; color: black; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>Historical Performance of Ares </font></FONT></P>
                <P style="margin-top: 5.5pt; margin-bottom: 5.5pt; text-align: center; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; ">                        <IMG width="466.29pt" height="237.11pt" src="image6.gif" style="width: 466.29pt; height: 237.11pt; ">
                        </FONT></P>
                <P style="margin-top: 5.5pt; margin-bottom: 5.5pt; text-align: justify; "><FONT style="font-weight: bold; font-style: italic; font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>This historical data on Ares is not necessarily indicative of the future performance of Ares or what the value of the notes may be. Any historical upward or downward trend in the price per share of Ares during any period set forth above is not an indication that the price per share of Ares is more or less likely to increase or decrease at any time over the term of the notes.</font></FONT></P>
                <P style="margin-top: 5.5pt; margin-bottom: 5.5pt; text-align: justify; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>You should consult publicly available sources for the prices and trading patterns of Ares. </font></FONT></P>
            </DIV>
            <DIV style="width: 595.21pt; padding: 0 39.00pt 23.43pt 39.00pt; min-height: 23.38pt; position: relative; ">
                <TABLE width="607.09pt" style="margin-left: -5.94pt; width: 607.09pt; table-layout: fixed; border-collapse: collapse; ">
                    <TR>
                        <TD width="555.39pt" style="width: 555.39pt; border: 0; margin: 0; padding: 0; height: 0; ">
                        </TD>
                        <TD width="51.70pt" style="width: 51.70pt; border: 0; margin: 0; padding: 0; height: 0; ">
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-top:  0.50pt solid #008000; ">
                            <P style="text-align: left; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; color: #5B862B; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Autocallable Strategic Accelerated Redemption Securities</font></FONT><FONT style="font-family: Arial, sans-serif; color: #5B862B; vertical-align: super; font-size: 7pt; "><font style='white-space: pre-wrap;'>&#174;</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-top:  0.50pt solid #008000; ">
                            <P style="text-align: right; margin-top: 0; margin-bottom: 0; "><FONT style="color: #5B862B; font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>TS-</font><FONT>11</FONT></FONT></P>
                        </TD>
                    </TR>
                </TABLE>
                <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; ">&nbsp;</FONT></P>
            </DIV>
        </DIV>
        <DIV style="page-break-after: always; border-bottom: 1pt solid black; ">
            <P></P>
        </DIV>
        <DIV style="margin: auto; width: 673.20pt; padding: 36pt 0; ">
            <DIV style="width: 595.21pt; padding: 31.19pt 39.00pt 0 39.00pt; min-height: 48.02pt; position: relative; ">
                <TABLE width="100.00%" style="margin-left: -5.94pt; width: 100.00%; table-layout: fixed; border-collapse: collapse; ">
                    <TR>
                        <TD width="88.97%" style="width: 88.97%; border: 0; margin: 0; padding: 0; height: 0; ">
                        </TD>
                        <TD width="21.03%" style="width: 21.03%; border: 0; margin: 0; padding: 0; height: 0; ">
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; min-height: 23.32pt; ">
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-bottom:  4.50pt solid #5B862B; ">
                            <P style="margin-top: 0; margin-bottom: 0; "><FONT style="color: #5B862B; font-size: 16.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>Autocallable Strategic Accelerated Redemption Securities</font></FONT><FONT style="color: #5B862B; font-size: 14pt; vertical-align: super; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>&#174; </font></FONT><FONT style="color: #5B862B; font-size: 16.0pt; font-family: Arial, sans-serif; "><BR></FONT><FONT style="color: #5B862B; font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Linked to a Basket of Three Financial Sector Stocks due November 27, 2028</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-bottom:  4.50pt solid #5B862B; ">
                            <P style="text-align: right; margin-top: 0; margin-bottom: 0; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; ">&nbsp;</FONT></P>
                            <P style="text-align: right; margin-top: 0; margin-bottom: 0; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; ">&nbsp;</FONT></P>
                            <P style="text-align: right; margin-top: 0; margin-bottom: 0; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; ">&nbsp;</FONT></P>
                        </TD>
                    </TR>
                </TABLE>
                <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; ">&nbsp;</FONT></P>
            </DIV>
            <DIV style="width: 595.21pt; padding: 10pt 39.00pt 10pt 39.00pt; position: relative; margin-bottom: 20pt; ">
                <P style="margin-top: 5.5pt; margin-bottom: 5.5pt; "><FONT style="font-weight: bold; font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Citigroup Inc.</font></FONT></P>
                <P style="margin-top: 5.5pt; margin-bottom: 5.5pt; text-align: justify; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>According to publicly available information, Citigroup Inc. (&#8220;Citigroup&#8221;) is a diversified financial services holding company that provides a range of financial products and services, including consumer banking and credit, corporate and investment banking, securities brokerage, trade and securities services and wealth management. Information filed by Citigroup with the SEC can be located by reference to its SEC file number: 001-09924, or its CIK Code: 0000831001. Citigroup&#8217;s common stock is listed on the New York Stock Exchange under the ticker symbol &#8220;C&#8221;. </font></FONT></P>
                <P style="margin-top: 5.5pt; margin-bottom: 5.5pt; text-align: justify; "><FONT style="font-weight: bold; font-style: italic; font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>The following graph shows the daily historical performance of Citigroup on its primary exchange in the period from January 1, 2015 through November 6, 2025. We obtained this historical data from Bloomberg L.P. We have not independently verified the accuracy or completeness of the information obtained from Bloomberg L.P. On the pricing date, the Closing Market Price of Citigroup was $100.85. The graph below may have been adjusted to reflect certain corporate actions such as stock splits and reverse stock splits.</font></FONT></P>
                <P style="margin-top: 5.5pt; margin-bottom: 5.5pt; text-align: center; text-indent: 0.0pt; padding-left: 0.0pt; "><FONT style="font-weight: bold; font-size: 9.0pt; color: black; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>Historical Performance of Citigroup</font></FONT></P>
                <P style="margin-top: 5.5pt; margin-bottom: 5.5pt; text-align: center; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; ">                        <IMG width="466.29pt" height="237.11pt" src="image7.gif" style="width: 466.29pt; height: 237.11pt; ">
                        </FONT></P>
                <P style="margin-top: 5.5pt; margin-bottom: 5.5pt; text-align: justify; "><FONT style="font-weight: bold; font-style: italic; font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>This historical data on Citigroup is not necessarily indicative of the future performance of Citigroup or what the value of the notes may be. Any historical upward or downward trend in the price per share of Citigroup during any period set forth above is not an indication that the price per share of Citigroup is more or less likely to increase or decrease at any time over the term of the notes.</font></FONT></P>
                <P style="margin-top: 5.5pt; margin-bottom: 5.5pt; text-align: justify; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>You should consult publicly available sources for the prices and trading patterns of Citigroup. </font></FONT></P>
            </DIV>
            <DIV style="width: 595.21pt; padding: 0 39.00pt 23.43pt 39.00pt; min-height: 23.38pt; position: relative; ">
                <TABLE width="607.09pt" style="margin-left: -5.94pt; width: 607.09pt; table-layout: fixed; border-collapse: collapse; ">
                    <TR>
                        <TD width="555.39pt" style="width: 555.39pt; border: 0; margin: 0; padding: 0; height: 0; ">
                        </TD>
                        <TD width="51.70pt" style="width: 51.70pt; border: 0; margin: 0; padding: 0; height: 0; ">
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-top:  0.50pt solid #008000; ">
                            <P style="text-align: left; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; color: #5B862B; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Autocallable Strategic Accelerated Redemption Securities</font></FONT><FONT style="font-family: Arial, sans-serif; color: #5B862B; vertical-align: super; font-size: 7pt; "><font style='white-space: pre-wrap;'>&#174;</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-top:  0.50pt solid #008000; ">
                            <P style="text-align: right; margin-top: 0; margin-bottom: 0; "><FONT style="color: #5B862B; font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>TS-</font><FONT>12</FONT></FONT></P>
                        </TD>
                    </TR>
                </TABLE>
                <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; ">&nbsp;</FONT></P>
            </DIV>
        </DIV>
        <DIV style="page-break-after: always; border-bottom: 1pt solid black; ">
            <P></P>
        </DIV>
        <DIV style="margin: auto; width: 673.20pt; padding: 36pt 0; ">
            <DIV style="width: 595.21pt; padding: 31.19pt 39.00pt 0 39.00pt; min-height: 48.02pt; position: relative; ">
                <TABLE width="100.00%" style="margin-left: -5.94pt; width: 100.00%; table-layout: fixed; border-collapse: collapse; ">
                    <TR>
                        <TD width="88.97%" style="width: 88.97%; border: 0; margin: 0; padding: 0; height: 0; ">
                        </TD>
                        <TD width="21.03%" style="width: 21.03%; border: 0; margin: 0; padding: 0; height: 0; ">
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; min-height: 23.32pt; ">
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-bottom:  4.50pt solid #5B862B; ">
                            <P style="margin-top: 0; margin-bottom: 0; "><FONT style="color: #5B862B; font-size: 16.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>Autocallable Strategic Accelerated Redemption Securities</font></FONT><FONT style="color: #5B862B; font-size: 14pt; vertical-align: super; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>&#174; </font></FONT><FONT style="color: #5B862B; font-size: 16.0pt; font-family: Arial, sans-serif; "><BR></FONT><FONT style="color: #5B862B; font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Linked to a Basket of Three Financial Sector Stocks due November 27, 2028</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-bottom:  4.50pt solid #5B862B; ">
                            <P style="text-align: right; margin-top: 0; margin-bottom: 0; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; ">&nbsp;</FONT></P>
                            <P style="text-align: right; margin-top: 0; margin-bottom: 0; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; ">&nbsp;</FONT></P>
                            <P style="text-align: right; margin-top: 0; margin-bottom: 0; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; ">&nbsp;</FONT></P>
                        </TD>
                    </TR>
                </TABLE>
                <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; ">&nbsp;</FONT></P>
            </DIV>
            <DIV style="width: 595.21pt; padding: 10pt 39.00pt 10pt 39.00pt; position: relative; margin-bottom: 20pt; ">
                <P style="margin-top: 5.5pt; margin-bottom: 5.5pt; "><FONT style="font-weight: bold; font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Blue Owl Capital Inc. </font></FONT></P>
                <P style="margin-top: 5.5pt; margin-bottom: 5.5pt; text-align: justify; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>According to publicly available information, Blue Owl Capital Inc. (&#8220;Owl&#8221;) is an alternative asset manager with assets in Credit, GP Strategic Capital, and Real Estate. Information filed by Owl with the SEC can be located by reference to its SEC file number: 001-39653, or its CIK Code: 0001823945. Owl&#8217;s common stock is listed on the New York Stock Exchange under the ticker symbol &#8220;OWL&#8221;.  </font></FONT></P>
                <P style="margin-top: 5.5pt; margin-bottom: 5.5pt; text-align: justify; "><FONT style="font-weight: bold; font-style: italic; font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>The following graph shows the daily historical performance of Owl on its primary exchange in the period from December 14, 2020 (the date Blue Owl Capital Inc. first started trading) through November 6, 2025. We obtained this historical data from Bloomberg L.P. We have not independently verified the accuracy or completeness of the information obtained from Bloomberg L.P. On the pricing date, the Closing Market Price of Owl was $14.95. The graph below may have been adjusted to reflect certain corporate actions such as stock splits and reverse stock splits. </font></FONT></P>
                <P style="margin-top: 5.5pt; margin-bottom: 5.5pt; text-align: center; text-indent: 0.0pt; padding-left: 0.0pt; "><FONT style="font-weight: bold; font-size: 9.0pt; color: black; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>Historical Performance of Owl </font></FONT></P>
                <P style="margin-top: 5.5pt; margin-bottom: 5.5pt; text-align: center; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; ">                        <IMG width="465.74pt" height="237.11pt" src="image8.gif" style="width: 465.74pt; height: 237.11pt; ">
                        </FONT></P>
                <P style="margin-top: 5.5pt; margin-bottom: 5.5pt; text-align: justify; "><FONT style="font-weight: bold; font-style: italic; font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>This historical data on Owl is not necessarily indicative of the future performance of Owl or what the value of the notes may be. Any historical upward or downward trend in the price per share of Owl during any period set forth above is not an indication that the price per share of Owl is more or less likely to increase or decrease at any time over the term of the notes.</font></FONT></P>
                <P style="margin-top: 5.5pt; margin-bottom: 5.5pt; text-align: justify; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>You should consult publicly available sources for the prices and trading patterns of Owl. </font></FONT></P>
            </DIV>
            <DIV style="width: 595.21pt; padding: 0 39.00pt 23.43pt 39.00pt; min-height: 23.38pt; position: relative; ">
                <TABLE width="607.09pt" style="margin-left: -5.94pt; width: 607.09pt; table-layout: fixed; border-collapse: collapse; ">
                    <TR>
                        <TD width="555.39pt" style="width: 555.39pt; border: 0; margin: 0; padding: 0; height: 0; ">
                        </TD>
                        <TD width="51.70pt" style="width: 51.70pt; border: 0; margin: 0; padding: 0; height: 0; ">
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-top:  0.50pt solid #008000; ">
                            <P style="text-align: left; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; color: #5B862B; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Autocallable Strategic Accelerated Redemption Securities</font></FONT><FONT style="font-family: Arial, sans-serif; color: #5B862B; vertical-align: super; font-size: 7pt; "><font style='white-space: pre-wrap;'>&#174;</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-top:  0.50pt solid #008000; ">
                            <P style="text-align: right; margin-top: 0; margin-bottom: 0; "><FONT style="color: #5B862B; font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>TS-</font><FONT>13</FONT></FONT></P>
                        </TD>
                    </TR>
                </TABLE>
                <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; ">&nbsp;</FONT></P>
            </DIV>
        </DIV>
        <DIV style="page-break-after: always; border-bottom: 1pt solid black; ">
            <P></P>
        </DIV>
        <DIV style="margin: auto; width: 673.20pt; padding: 36pt 0; ">
            <DIV style="width: 595.21pt; padding: 31.19pt 39.00pt 0 39.00pt; min-height: 48.02pt; position: relative; ">
                <TABLE width="100.00%" style="margin-left: -5.94pt; width: 100.00%; table-layout: fixed; border-collapse: collapse; ">
                    <TR>
                        <TD width="88.97%" style="width: 88.97%; border: 0; margin: 0; padding: 0; height: 0; ">
                        </TD>
                        <TD width="21.03%" style="width: 21.03%; border: 0; margin: 0; padding: 0; height: 0; ">
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; min-height: 23.32pt; ">
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-bottom:  4.50pt solid #5B862B; ">
                            <P style="margin-top: 0; margin-bottom: 0; "><FONT style="color: #5B862B; font-size: 16.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>Autocallable Strategic Accelerated Redemption Securities</font></FONT><FONT style="color: #5B862B; font-size: 14pt; vertical-align: super; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>&#174; </font></FONT><FONT style="color: #5B862B; font-size: 16.0pt; font-family: Arial, sans-serif; "><BR></FONT><FONT style="color: #5B862B; font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Linked to a Basket of Three Financial Sector Stocks due November 27, 2028</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-bottom:  4.50pt solid #5B862B; ">
                            <P style="text-align: right; margin-top: 0; margin-bottom: 0; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; ">&nbsp;</FONT></P>
                            <P style="text-align: right; margin-top: 0; margin-bottom: 0; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; ">&nbsp;</FONT></P>
                            <P style="text-align: right; margin-top: 0; margin-bottom: 0; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; ">&nbsp;</FONT></P>
                        </TD>
                    </TR>
                </TABLE>
                <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; ">&nbsp;</FONT></P>
            </DIV>
            <DIV style="width: 595.21pt; padding: 10pt 39.00pt 10pt 39.00pt; position: relative; margin-bottom: 20pt; ">
                <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; text-align: justify; "><FONT style="color: #5B862B; font-size: 20.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>Supplement to the Plan of Distribution</font></FONT></P>
                <P style="text-align: justify; margin-top: 5.5pt; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Under our distribution agreement with BofAS, BofAS will purchase the notes from us as principal at the public offering price indicated on the cover of this term sheet, less the indicated underwriting discount.</font></FONT></P>
                <P style="margin-top: 5.5pt; text-align: justify; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>MLPF&amp;S will purchase the notes from BofAS for resale, and will receive a selling concession in connection with the sale of the notes in an amount up to the full amount of the underwriting discount set forth on the cover of this term sheet.</font></FONT></P>
                <P style="text-align: justify; margin-top: 5.5pt; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>We will pay a fee to LFT Securities, LLC for providing certain electronic platform services with respect to this offering, which will reduce the economic terms of the notes to you. An affiliate of BofAS has an ownership interest in LFT Securities, LLC.</font></FONT></P>
                <P style="text-align: justify; margin-top: 5.5pt; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>We will deliver the notes against payment therefor in New York, New York on a date that is greater than one business day following the pricing date. Under Rule 15c6-1 of the Securities Exchange Act of 1934, trades in the secondary market generally are required to settle in one business day, unless the parties to any such trade expressly agree otherwise. Accordingly, purchasers who wish to trade the notes more than one business day prior to the settlement date will be required to specify alternative settlement arrangements to prevent a failed settlement.</font></FONT></P>
                <P style="text-align: justify; margin-top: 5.5pt; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>The notes will not be listed on any securities exchange. In the original offering of the notes, the notes will be sold in minimum investment amounts of 100 units. If you place an order to purchase the notes, you are consenting to MLPF&amp;S and/or one of its affiliates acting as a principal in effecting the transaction for your account.</font></FONT></P>
                <P style="text-align: justify; margin-top: 5.5pt; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>MLPF&amp;S and BofAS may repurchase and resell the notes, with repurchases and resales being made at prices related to then-prevailing market prices or at negotiated prices, and these prices will include MLPF&amp;S&#8217;s and BofAS&#8217;s trading commissions and mark-ups or mark-downs. MLPF&amp;S and BofAS may act as principal or agent in these market-making transactions; however, neither is obligated to engage in any such transactions. At their discretion, for a short, undetermined initial period after the issuance of the notes, MLPF&amp;S and BofAS may offer to buy the notes in the secondary market at a price that may exceed the initial estimated value of the notes. Any price offered by MLPF&amp;S or BofAS for the notes will be based on then-prevailing market conditions and other considerations, including the performance of the Basket and the remaining term of the notes. However, none of us, MLPF&amp;S, BofAS or any of our respective affiliates is obligated to purchase your notes at any price or at any time, and we cannot assure you that we, MLPF&amp;S, BofAS or any of our respective affiliates will purchase your notes at a price that equals or exceeds the initial estimated value of the notes.</font></FONT></P>
                <P style="text-align: justify; margin-top: 5.5pt; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>The value of the notes shown on your account statement produced by MLPF&amp;S will be based on BofAS&#8217;s estimate of the value of the notes if BofAS or another of its affiliates were to make a market in the notes, which it is not obligated to do. That estimate will be based upon the price that BofAS may pay for the notes in light of then-prevailing market conditions, and other considerations, as mentioned above, and will include transaction costs. At certain times, this price may be higher than or lower than the initial estimated value of the notes.</font></FONT></P>
                <P style="text-align: justify; margin-top: 5.5pt; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>The distribution of the Note Prospectus in connection with these offers or sales will be solely for the purpose of providing investors with the description of the terms of the notes that was made available to investors in connection with their initial offering. Secondary market investors should not, and will not be authorized to, rely on the Note Prospectus for information regarding BNS or for any purpose other than that described in the immediately preceding sentence. </font></FONT></P>
                <P style="text-align: justify; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
            </DIV>
            <DIV style="width: 595.21pt; padding: 0 39.00pt 23.43pt 39.00pt; min-height: 23.38pt; position: relative; ">
                <TABLE width="607.09pt" style="margin-left: -5.94pt; width: 607.09pt; table-layout: fixed; border-collapse: collapse; ">
                    <TR>
                        <TD width="555.39pt" style="width: 555.39pt; border: 0; margin: 0; padding: 0; height: 0; ">
                        </TD>
                        <TD width="51.70pt" style="width: 51.70pt; border: 0; margin: 0; padding: 0; height: 0; ">
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-top:  0.50pt solid #008000; ">
                            <P style="text-align: left; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; color: #5B862B; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Autocallable Strategic Accelerated Redemption Securities</font></FONT><FONT style="font-family: Arial, sans-serif; color: #5B862B; vertical-align: super; font-size: 7pt; "><font style='white-space: pre-wrap;'>&#174;</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-top:  0.50pt solid #008000; ">
                            <P style="text-align: right; margin-top: 0; margin-bottom: 0; "><FONT style="color: #5B862B; font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>TS-</font><FONT>14</FONT></FONT></P>
                        </TD>
                    </TR>
                </TABLE>
                <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; ">&nbsp;</FONT></P>
            </DIV>
        </DIV>
        <DIV style="page-break-after: always; border-bottom: 1pt solid black; ">
            <P></P>
        </DIV>
        <DIV style="margin: auto; width: 673.20pt; padding: 36pt 0; ">
            <DIV style="width: 595.21pt; padding: 31.19pt 39.00pt 0 39.00pt; min-height: 48.02pt; position: relative; ">
                <TABLE width="100.00%" style="margin-left: -5.94pt; width: 100.00%; table-layout: fixed; border-collapse: collapse; ">
                    <TR>
                        <TD width="88.97%" style="width: 88.97%; border: 0; margin: 0; padding: 0; height: 0; ">
                        </TD>
                        <TD width="21.03%" style="width: 21.03%; border: 0; margin: 0; padding: 0; height: 0; ">
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; min-height: 23.32pt; ">
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-bottom:  4.50pt solid #5B862B; ">
                            <P style="margin-top: 0; margin-bottom: 0; "><FONT style="color: #5B862B; font-size: 16.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>Autocallable Strategic Accelerated Redemption Securities</font></FONT><FONT style="color: #5B862B; font-size: 14pt; vertical-align: super; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>&#174; </font></FONT><FONT style="color: #5B862B; font-size: 16.0pt; font-family: Arial, sans-serif; "><BR></FONT><FONT style="color: #5B862B; font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Linked to a Basket of Three Financial Sector Stocks due November 27, 2028</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-bottom:  4.50pt solid #5B862B; ">
                            <P style="text-align: right; margin-top: 0; margin-bottom: 0; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; ">&nbsp;</FONT></P>
                            <P style="text-align: right; margin-top: 0; margin-bottom: 0; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; ">&nbsp;</FONT></P>
                            <P style="text-align: right; margin-top: 0; margin-bottom: 0; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; ">&nbsp;</FONT></P>
                        </TD>
                    </TR>
                </TABLE>
                <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; ">&nbsp;</FONT></P>
            </DIV>
            <DIV style="width: 595.21pt; padding: 10pt 39.00pt 10pt 39.00pt; position: relative; margin-bottom: 20pt; ">
                <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; text-align: justify; "><FONT style="color: #5B862B; font-size: 20.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>Structuring the Notes</font></FONT></P>
                <P style="text-align: justify; margin-top: 5.5pt; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>The notes are our unsecured senior debt securities, the return on which is linked to the performance of the Basket. As is the case for all of our debt securities, including our market-linked notes, the economic terms of the notes reflect our actual or perceived creditworthiness at the time of pricing. The internal funding rate we use in pricing the market-linked note is typically lower than the rate we would pay when we issue conventional fixed-rate debt securities of comparable maturity. This generally relatively lower internal funding rate, which is reflected in the economic terms of the notes, along with the fees and charges associated with market-linked notes, resulted in the initial estimated value of the notes on the pricing date being less than their public offering price.</font></FONT></P>
                <P style="text-align: justify; margin-top: 5.5pt; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Payments on the notes, including the amount you receive at maturity or upon an automatic call, will be calculated based on the performance of the Basket and the $10 per unit principal amount. In order to meet these payment obligations, at the time we issue the notes, we may choose to enter into certain hedging arrangements (which may include call options, put options or other derivatives) with BofAS or one of its affiliates. The terms of these hedging arrangements are determined by seeking bids from market participants, including MLPF&amp;S, BofAS and its affiliates, and take into account a number of factors, including our creditworthiness, interest rate movements, the volatility of the Basket Stocks, the tenor of the notes and the tenor of the hedging arrangements. The economic terms of the notes and their initial estimated value depend in part on the terms of these hedging arrangements.</font></FONT></P>
                <P style="text-align: justify; margin-top: 5.5pt; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>BofAS has advised us that the hedging arrangements will include a hedging related charge of approximately $0.05 per unit, reflecting an estimated profit to be credited to BofAS from these transactions. Since hedging entails risk and may be influenced by unpredictable market forces, additional profits and losses from these hedging arrangements may be realized by BofAS or any third party hedge providers.</font></FONT></P>
                <P style="text-align: justify; margin-top: 5.5pt; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>For further information, see &#8220;Risk Factors&#8221; beginning on page PS-7 and &#8220;Use of Proceeds and Hedging&#8221; on page PS-18 of product supplement STOCK STR-1. </font></FONT></P>
            </DIV>
            <DIV style="width: 595.21pt; padding: 0 39.00pt 23.43pt 39.00pt; min-height: 23.38pt; position: relative; ">
                <TABLE width="607.09pt" style="margin-left: -5.94pt; width: 607.09pt; table-layout: fixed; border-collapse: collapse; ">
                    <TR>
                        <TD width="555.39pt" style="width: 555.39pt; border: 0; margin: 0; padding: 0; height: 0; ">
                        </TD>
                        <TD width="51.70pt" style="width: 51.70pt; border: 0; margin: 0; padding: 0; height: 0; ">
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-top:  0.50pt solid #008000; ">
                            <P style="text-align: left; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; color: #5B862B; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Autocallable Strategic Accelerated Redemption Securities</font></FONT><FONT style="font-family: Arial, sans-serif; color: #5B862B; vertical-align: super; font-size: 7pt; "><font style='white-space: pre-wrap;'>&#174;</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-top:  0.50pt solid #008000; ">
                            <P style="text-align: right; margin-top: 0; margin-bottom: 0; "><FONT style="color: #5B862B; font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>TS-</font><FONT>15</FONT></FONT></P>
                        </TD>
                    </TR>
                </TABLE>
                <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; ">&nbsp;</FONT></P>
            </DIV>
        </DIV>
        <DIV style="page-break-after: always; border-bottom: 1pt solid black; ">
            <P></P>
        </DIV>
        <DIV style="margin: auto; width: 673.20pt; padding: 36pt 0; ">
            <DIV style="width: 595.21pt; padding: 31.19pt 39.00pt 0 39.00pt; min-height: 48.02pt; position: relative; ">
                <TABLE width="100.00%" style="margin-left: -5.94pt; width: 100.00%; table-layout: fixed; border-collapse: collapse; ">
                    <TR>
                        <TD width="88.97%" style="width: 88.97%; border: 0; margin: 0; padding: 0; height: 0; ">
                        </TD>
                        <TD width="21.03%" style="width: 21.03%; border: 0; margin: 0; padding: 0; height: 0; ">
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; min-height: 23.32pt; ">
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-bottom:  4.50pt solid #5B862B; ">
                            <P style="margin-top: 0; margin-bottom: 0; "><FONT style="color: #5B862B; font-size: 16.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>Autocallable Strategic Accelerated Redemption Securities</font></FONT><FONT style="color: #5B862B; font-size: 14pt; vertical-align: super; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>&#174; </font></FONT><FONT style="color: #5B862B; font-size: 16.0pt; font-family: Arial, sans-serif; "><BR></FONT><FONT style="color: #5B862B; font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Linked to a Basket of Three Financial Sector Stocks due November 27, 2028</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-bottom:  4.50pt solid #5B862B; ">
                            <P style="text-align: right; margin-top: 0; margin-bottom: 0; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; ">&nbsp;</FONT></P>
                            <P style="text-align: right; margin-top: 0; margin-bottom: 0; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; ">&nbsp;</FONT></P>
                            <P style="text-align: right; margin-top: 0; margin-bottom: 0; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; ">&nbsp;</FONT></P>
                        </TD>
                    </TR>
                </TABLE>
                <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; ">&nbsp;</FONT></P>
            </DIV>
            <DIV style="width: 595.21pt; padding: 10pt 39.00pt 10pt 39.00pt; position: relative; margin-bottom: 20pt; ">
                <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; text-align: justify; "><FONT style="color: #5B862B; font-size: 20.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>Summary of Canadian Federal Income Tax Consequences</font></FONT></P>
                <P style="margin-top: 1.65pt; margin-bottom: 1.65pt; "><FONT style="font-family: Arial, sans-serif; font-weight: normal; color: black; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>See &#8220;Supplemental Discussion of Canadian Federal Income Tax Consequences&#8221; in product supplement STOCK STR-1. In addition to the assumptions, limitations and conditions described therein, such discussion assumes that no amount paid or payable to a Non-Resident Holder will be the deduction component of a &#8220;hybrid mismatch arrangement&#8221; under which the payment arises within the meaning of paragraph 18.4(3)(b) of the Act.</font></FONT></P>
                <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; text-align: justify; "><FONT style="color: #5B862B; font-size: 20.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>Summary of U.S. Federal Income Tax Consequences</font></FONT></P>
                <P style="text-align: justify; margin-top: 5.5pt; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>The following is a general description of certain U.S. federal tax considerations relating to the notes. Prospective purchasers of the notes should consult their tax advisors as to the consequences under the tax laws of the country of which they are residents for tax purposes and the tax laws of the U.S. of acquiring, holding and disposing of the notes and receiving payments under the notes. This summary is based upon the law as in effect on the date of this document and is subject to any change in law that may take effect after such date. We urge you to read the more detailed discussion in the &#8220;Material U.S. Federal Income Tax Consequences&#8221; section beginning on page PS-36 of product supplement STOCK STR-1.</font></FONT></P>
                <P style="text-align: justify; margin-top: 5.5pt; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>No statutory, regulatory, judicial or administrative authority directly discusses how the notes should be treated for U.S. federal income tax purposes. As a result, the U.S. federal income tax consequences of your investment in the notes are uncertain. Accordingly, we urge you to consult your tax advisor as to the tax consequences of your investment in the notes (and of having agreed to the required tax treatment of your notes described below) and as to the application of state, local or other tax laws to your investment in your notes and the possible effects of changes in federal or other tax laws.</font></FONT></P>
                <P style="text-align: justify; margin-top: 5.5pt; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Pursuant to the terms of the notes, BNS and you agree, in the absence of a statutory or regulatory change or an administrative determination or judicial ruling to the contrary, to characterize your notes as prepaid derivative contracts with respect to the Basket. If your notes are so treated, you should generally recognize long-term capital gain or loss if you hold your notes for more than one year (and, otherwise, short-term capital gain or loss) upon the taxable disposition (including cash settlement) of your notes in an amount equal to the difference between the amount you receive at such time and the amount you paid for your notes. The deductibility of capital losses is subject to limitations.</font></FONT></P>
                <P style="text-align: justify; margin-top: 5.5pt; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>However, it is possible that the Internal Revenue Service (the &#8220;IRS&#8221;) could assert that your holding period in respect of your notes should end on the date on which the amount you are entitled to receive upon maturity or automatic call of your notes is determined, even though you will not receive any amounts from BNS in respect of your notes prior to the maturity or automatic call of your notes. In such case, you may be treated as having a holding period in respect of your notes prior to the maturity or automatic call of your notes, and such holding period may be treated as less than one year even if you receive cash upon the maturity or automatic call of your notes at a time that is more than one year after the beginning of your holding period.</font></FONT></P>
                <P style="margin-top: 6.6pt; text-align: justify; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Although uncertain, it is possible that the Call Premium, or proceeds received from the taxable disposition of your notes prior to the Call Settlement Date that could be attributed to the expected Call Premium, could be treated as ordinary income. You should consult your tax advisor regarding this risk.</font></FONT></P>
                <P style="text-align: justify; margin-top: 5.5pt; margin-bottom: 0; "><FONT style="font-weight: bold; font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Based on certain factual representations received from us, our special U.S. tax counsel, Fried, Frank, Harris, Shriver &amp; Jacobson LLP, is of the opinion that it would be reasonable to treat your notes in the manner described above. However, because there is no authority that specifically addresses the tax treatment of the notes, it is possible that your notes could alternatively be treated for tax purposes as a single contingent payment debt instrument or pursuant to some other characterization, such that the timing and character of your income from the notes could differ materially and adversely from the treatment described above.</font></FONT></P>
                <P style="margin-top: 6.6pt; text-align: justify; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Except to the extent otherwise required by law, BNS intends to treat your notes for U.S. federal income tax purposes in accordance with the treatment described above and under &#8220;Material U.S. Federal Income Tax Consequences&#8221; in the accompanying product supplement unless and until such time as the IRS and the Treasury determine that some other treatment is more appropriate.</font></FONT></P>
                <P style="margin-top: 6.6pt; text-align: justify; margin-bottom: 0; "><FONT style="font-style: italic; font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Notice 2008-2. </font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>In 2007, the IRS released a notice that may affect the taxation of holders of the notes. According to Notice 2008-2, the IRS and the U.S. Department of the Treasury (the &#8220;Treasury&#8221;) are considering whether a holder of an instrument such as the notes should be required to accrue ordinary income on a current basis. It is not possible to determine what guidance they will ultimately issue, if any. It is possible, however, that under such guidance, holders of the notes will ultimately be required to accrue income currently and this could be applied on a retroactive basis. According to the Notice, the IRS and the Treasury are also considering other relevant issues, including whether additional gain or loss from such instruments should be treated as ordinary or capital, whether non-U.S. holders of such instruments should be subject to withholding tax on any deemed income accruals, and whether the special &#8220;constructive ownership rules&#8221; of Section 1260 of the of the U.S. Internal Revenue Code of 1986, as amended (the &#8220;Code&#8221;) should be applied to such instruments. Both U.S. and non-U.S. holders are urged to consult their tax advisors concerning the significance, and the potential impact, of the above considerations.</font></FONT></P>
                <P style="text-align: justify; margin-top: 5.5pt; margin-bottom: 0; "><FONT style="font-style: italic; font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Medicare Tax on Net Investment Income.</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> U.S. holders that are individuals, estates or certain trusts are subject to an additional 3.8% tax on all or a portion of their &#8220;net investment income,&#8221; or &#8220;undistributed net investment income&#8221; in the case of an estate or trust, which may include any income or gain realized with respect to the notes, to the extent of their net investment income or undistributed net investment income (as the case may be) that, when added to their other modified adjusted gross income, exceeds $200,000 for an unmarried individual, $250,000 for a married taxpayer filing a joint return (or a surviving spouse), $125,000 for a married individual filing a separate </font></FONT></P>
            </DIV>
            <DIV style="width: 595.21pt; padding: 0 39.00pt 23.43pt 39.00pt; min-height: 23.38pt; position: relative; ">
                <TABLE width="607.09pt" style="margin-left: -5.94pt; width: 607.09pt; table-layout: fixed; border-collapse: collapse; ">
                    <TR>
                        <TD width="555.39pt" style="width: 555.39pt; border: 0; margin: 0; padding: 0; height: 0; ">
                        </TD>
                        <TD width="51.70pt" style="width: 51.70pt; border: 0; margin: 0; padding: 0; height: 0; ">
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-top:  0.50pt solid #008000; ">
                            <P style="text-align: left; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; color: #5B862B; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Autocallable Strategic Accelerated Redemption Securities</font></FONT><FONT style="font-family: Arial, sans-serif; color: #5B862B; vertical-align: super; font-size: 7pt; "><font style='white-space: pre-wrap;'>&#174;</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-top:  0.50pt solid #008000; ">
                            <P style="text-align: right; margin-top: 0; margin-bottom: 0; "><FONT style="color: #5B862B; font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>TS-</font><FONT>16</FONT></FONT></P>
                        </TD>
                    </TR>
                </TABLE>
                <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; ">&nbsp;</FONT></P>
            </DIV>
        </DIV>
        <DIV style="page-break-after: always; border-bottom: 1pt solid black; ">
            <P></P>
        </DIV>
        <DIV style="margin: auto; width: 673.20pt; padding: 36pt 0; ">
            <DIV style="width: 595.21pt; padding: 31.19pt 39.00pt 0 39.00pt; min-height: 48.02pt; position: relative; ">
                <TABLE width="100.00%" style="margin-left: -5.94pt; width: 100.00%; table-layout: fixed; border-collapse: collapse; ">
                    <TR>
                        <TD width="88.97%" style="width: 88.97%; border: 0; margin: 0; padding: 0; height: 0; ">
                        </TD>
                        <TD width="21.03%" style="width: 21.03%; border: 0; margin: 0; padding: 0; height: 0; ">
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; min-height: 23.32pt; ">
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-bottom:  4.50pt solid #5B862B; ">
                            <P style="margin-top: 0; margin-bottom: 0; "><FONT style="color: #5B862B; font-size: 16.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>Autocallable Strategic Accelerated Redemption Securities</font></FONT><FONT style="color: #5B862B; font-size: 14pt; vertical-align: super; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>&#174; </font></FONT><FONT style="color: #5B862B; font-size: 16.0pt; font-family: Arial, sans-serif; "><BR></FONT><FONT style="color: #5B862B; font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Linked to a Basket of Three Financial Sector Stocks due November 27, 2028</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-bottom:  4.50pt solid #5B862B; ">
                            <P style="text-align: right; margin-top: 0; margin-bottom: 0; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; ">&nbsp;</FONT></P>
                            <P style="text-align: right; margin-top: 0; margin-bottom: 0; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; ">&nbsp;</FONT></P>
                            <P style="text-align: right; margin-top: 0; margin-bottom: 0; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; ">&nbsp;</FONT></P>
                        </TD>
                    </TR>
                </TABLE>
                <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; ">&nbsp;</FONT></P>
            </DIV>
            <DIV style="width: 595.21pt; padding: 10pt 39.00pt 10pt 39.00pt; position: relative; margin-bottom: 20pt; ">
                <P style="text-align: justify; margin-top: 5.5pt; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>return or the dollar amount at which the highest tax bracket begins for an estate or trust. The 3.8% Medicare tax is determined in a different manner than the regular income tax. U.S. holders should consult their tax advisors with respect to the 3.8% Medicare tax.</font></FONT></P>
                <P style="text-align: justify; margin-top: 5.5pt; margin-bottom: 0; "><FONT style="font-style: italic; font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Specified Foreign Financial Assets</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>. U.S. holders may be subject to reporting obligations with respect to their notes if they do not hold their notes in an account maintained by a financial institution and the aggregate value of their notes and certain other &#8220;specified foreign financial assets&#8221; (applying certain attribution rules) exceeds an applicable threshold. Significant penalties can apply if a U.S. holder is required to disclose its notes and fails to do so.</font></FONT></P>
                <P style="text-align: justify; margin-top: 5.5pt; margin-bottom: 0; "><FONT style="font-style: italic; font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Backup Withholding and Information Reporting</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>. The proceeds received from a taxable disposition of the notes will be subject to information reporting unless you are an &#8220;exempt recipient&#8221; and may also be subject to backup withholding at the rate specified in the Code if you fail to provide certain identifying information (such as an accurate taxpayer number, if you are a U.S. holder) or meet certain other conditions.</font></FONT></P>
                <P style="text-align: justify; margin-top: 5.5pt; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Amounts withheld under the backup withholding rules are not additional taxes and may be refunded or credited against your U.S. federal income tax liability, provided the required information is furnished to the IRS.</font></FONT></P>
                <P style="margin-top: 5.5pt; margin-bottom: 6.6pt; "><FONT style="font-style: italic; font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Non-U.S. Holders.</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> If you are a non-U.S. holder, subject to Section 871(m) of the Code and FATCA, discussed below, you should generally not be subject to generally applicable information reporting and backup withholding requirements with respect to payments on your notes if you comply with certain certification and identification requirements as to your non-U.S. status including providing us (and/or the applicable withholding agent) a properly executed and fully completed applicable IRS Form W-8. Subject to Section 897 of the Code and Section 871(m) of the Code, discussed below, gain realized from the taxable disposition of a note generally will not be subject to U.S. tax unless (i) such gain is effectively connected with a trade or business conducted by you in the U.S., (ii) you are a non-resident alien individual and are present in the U.S. for 183 days or more during the taxable year of such taxable disposition and certain other conditions are satisfied or (iii) you have certain other present or former connections with the U.S.</font></FONT></P>
                <P style="text-align: justify; margin-top: 0; margin-bottom: 0; "><FONT style="font-style: italic; font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Section 897. </font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>We will not attempt to ascertain whether any Underlying Company would be treated as a &#8220;United States real property holding corporation&#8221; (&#8220;USRPHC&#8221;) within the meaning of Section 897 of the Code. We also have not attempted to determine whether the notes should be treated as &#8220;United States real property interests&#8221; (&#8220;USRPI&#8221;) as defined in Section 897 of the Code. If any such entity and/or the notes were so treated, certain adverse U.S. federal income tax consequences could possibly apply, including subjecting any gain realized by a non-U.S. holder in respect of the notes upon a taxable disposition (including cash settlement) of the notes to U.S. federal income tax on a net basis, and the proceeds from such a taxable disposition to a withholding tax. Non-U.S. holders should consult their tax advisors regarding the potential treatment of any such entity as a USRPHC and/or the notes as USRPI.</font></FONT></P>
                <P style="text-align: justify; margin-top: 5.5pt; margin-bottom: 0; "><FONT style="font-style: italic; font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Section 871(m)</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>. A 30% withholding tax (which may be reduced by an applicable income tax treaty) is imposed under Section 871(m) of the Code on certain &#8220;dividend equivalents&#8221; paid or deemed paid to a non-U.S. holder with respect to a &#8220;specified equity-linked instrument&#8221; that references one or more dividend-paying U.S. equity securities or indices containing U.S. equity securities. The withholding tax can apply even if the instrument does not provide for payments that reference dividends. Treasury regulations provide that the withholding tax applies to all dividend equivalents paid or deemed paid on specified equity-linked instruments that have a delta of one (&#8220;delta-one specified equity-linked instruments&#8221;) issued after 2016 and to all dividend equivalents paid or deemed paid on all other specified equity-linked instruments issued after 2017. However, the IRS has issued guidance that states that the Treasury and the IRS intend to amend the effective dates of the Treasury regulations to provide that withholding on dividend equivalents paid or deemed paid will not apply to specified equity-linked instruments that are not delta-one specified equity-linked instruments and are issued before January 1, 2027.</font></FONT></P>
                <P style="text-align: justify; margin-top: 5.5pt; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Based on our determination that the notes are not &#8220;delta-one&#8221; with respect to any Basket Stock, our special U.S. tax counsel is of the opinion that the notes should not be delta-one specified equity-linked instruments and thus should not be subject to withholding on dividend equivalents. Our determination is not binding on the IRS, and the IRS may disagree with this determination. Furthermore, the application of Section 871(m) of the Code will depend on our determinations on the date the terms of the notes are set. If withholding is required, we will not make payments of any additional amounts.</font></FONT></P>
                <P style="text-align: justify; margin-top: 5.5pt; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Nevertheless, after the date the terms are set, it is possible that your notes could be deemed to be reissued for tax purposes upon the occurrence of certain events affecting the Basket Stocks</font></FONT><FONT style="vertical-align: super; font-family: Arial, sans-serif; font-size: 7pt; "><font style='white-space: pre-wrap;'> </font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>or your notes and following such occurrence your notes could be treated as delta-one specified equity-linked instruments that are subject to withholding on dividend equivalents. It is also possible that withholding tax or other tax under Section 871(m) of the Code could apply to the notes under these rules if you enter, or have entered, into certain other transactions in respect of the Basket Stocks</font></FONT><FONT style="vertical-align: super; font-family: Arial, sans-serif; font-size: 7pt; "><font style='white-space: pre-wrap;'> </font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>or your notes. If you enter, or have entered, into other transactions in respect of the Basket Stocks, you should consult your tax advisor regarding the application of Section 871(m) of the Code to your notes in the context of your other transactions. </font></FONT></P>
                <P style="text-align: justify; margin-top: 5.5pt; margin-bottom: 0; "><FONT style="font-weight: bold; font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Because of the uncertainty regarding the application of the 30% withholding tax on dividend equivalents to the notes, you are urged to consult your tax advisor regarding the potential application of Section 871(m) of the Code and the 30% withholding tax to an investment in the notes.</font></FONT></P>
                <P style="text-align: justify; margin-top: 5.5pt; margin-bottom: 0; "><FONT style="font-style: italic; font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>U.S. Federal Estate Tax Treatment of Non-U.S. Holders.</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> A note may be subject to U.S. federal estate tax if an individual non-U.S. holder holds the note at the time of his or her death. The gross estate of a non-U.S. holder domiciled outside the U.S. includes only property situated in the U.S. Individual non-U.S. holders should consult their tax advisors regarding the U.S. federal estate tax consequences of holding the notes at death.</font></FONT></P>
                <P style="text-align: justify; margin-top: 5.5pt; margin-bottom: 0; "><FONT style="font-style: italic; font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>FATCA.</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> The Foreign Account Tax Compliance Act (&#8220;FATCA&#8221;) was enacted on March 18, 2010, and imposes a 30% U.S. withholding tax on &#8220;withholdable payments&#8221; (i.e., certain U.S.-source payments, including interest (and original issue discount), dividends, other fixed or determinable annual or periodical gain, profits and income, and the gross proceeds from a disposition of property of a type which can produce U.S.-source interest or dividends) and &#8220;passthru payments&#8221; (i.e., certain payments attributable to withholdable payments) made to certain foreign financial institutions (and certain of their affiliates) unless the payee foreign financial institution agrees (or is required), among other things, to disclose the identity of any U.S. individual with an account at the institution (or the relevant affiliate) and to annually </font></FONT></P>
            </DIV>
            <DIV style="width: 595.21pt; padding: 0 39.00pt 23.43pt 39.00pt; min-height: 23.38pt; position: relative; ">
                <TABLE width="607.09pt" style="margin-left: -5.94pt; width: 607.09pt; table-layout: fixed; border-collapse: collapse; ">
                    <TR>
                        <TD width="555.39pt" style="width: 555.39pt; border: 0; margin: 0; padding: 0; height: 0; ">
                        </TD>
                        <TD width="51.70pt" style="width: 51.70pt; border: 0; margin: 0; padding: 0; height: 0; ">
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-top:  0.50pt solid #008000; ">
                            <P style="text-align: left; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; color: #5B862B; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Autocallable Strategic Accelerated Redemption Securities</font></FONT><FONT style="font-family: Arial, sans-serif; color: #5B862B; vertical-align: super; font-size: 7pt; "><font style='white-space: pre-wrap;'>&#174;</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-top:  0.50pt solid #008000; ">
                            <P style="text-align: right; margin-top: 0; margin-bottom: 0; "><FONT style="color: #5B862B; font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>TS-</font><FONT>17</FONT></FONT></P>
                        </TD>
                    </TR>
                </TABLE>
                <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; ">&nbsp;</FONT></P>
            </DIV>
        </DIV>
        <DIV style="page-break-after: always; border-bottom: 1pt solid black; ">
            <P></P>
        </DIV>
        <DIV style="margin: auto; width: 673.20pt; padding: 36pt 0; ">
            <DIV style="width: 595.21pt; padding: 31.19pt 39.00pt 0 39.00pt; min-height: 48.02pt; position: relative; ">
                <TABLE width="100.00%" style="margin-left: -5.94pt; width: 100.00%; table-layout: fixed; border-collapse: collapse; ">
                    <TR>
                        <TD width="88.97%" style="width: 88.97%; border: 0; margin: 0; padding: 0; height: 0; ">
                        </TD>
                        <TD width="21.03%" style="width: 21.03%; border: 0; margin: 0; padding: 0; height: 0; ">
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; min-height: 23.32pt; ">
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-bottom:  4.50pt solid #5B862B; ">
                            <P style="margin-top: 0; margin-bottom: 0; "><FONT style="color: #5B862B; font-size: 16.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>Autocallable Strategic Accelerated Redemption Securities</font></FONT><FONT style="color: #5B862B; font-size: 14pt; vertical-align: super; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>&#174; </font></FONT><FONT style="color: #5B862B; font-size: 16.0pt; font-family: Arial, sans-serif; "><BR></FONT><FONT style="color: #5B862B; font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Linked to a Basket of Three Financial Sector Stocks due November 27, 2028</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-bottom:  4.50pt solid #5B862B; ">
                            <P style="text-align: right; margin-top: 0; margin-bottom: 0; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; ">&nbsp;</FONT></P>
                            <P style="text-align: right; margin-top: 0; margin-bottom: 0; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; ">&nbsp;</FONT></P>
                            <P style="text-align: right; margin-top: 0; margin-bottom: 0; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; ">&nbsp;</FONT></P>
                        </TD>
                    </TR>
                </TABLE>
                <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; ">&nbsp;</FONT></P>
            </DIV>
            <DIV style="width: 595.21pt; padding: 10pt 39.00pt 10pt 39.00pt; position: relative; margin-bottom: 20pt; ">
                <P style="text-align: justify; margin-top: 5.5pt; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>report certain information about such account. FATCA also requires withholding agents making withholdable payments to certain foreign entities that do not disclose the name, address, and taxpayer identification number of any substantial U.S. owners (or do not certify that they do not have any substantial U.S. owners) to withhold tax at a rate of 30%. Under certain circumstances, a holder may be eligible for refunds or credits of such taxes.</font></FONT></P>
                <P style="text-align: justify; margin-top: 5.5pt; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Pursuant to final and temporary Treasury regulations and other IRS guidance, the withholding and reporting requirements under FATCA will generally apply to certain &#8220;withholdable payments&#8221;, will not apply to gross proceeds on a sale or disposition, and will apply to certain foreign passthru payments only to the extent that such payments are made after the date that is two years after final regulations defining the term &#8220;foreign passthru payment&#8221; are published. If withholding is required, we (or the applicable paying agent) will not be required to pay additional amounts with respect to the amounts so withheld. Foreign financial institutions and non-financial foreign entities located in jurisdictions that have an intergovernmental agreement with the U.S. governing FATCA may be subject to different rules.</font></FONT></P>
                <P style="text-align: justify; margin-top: 5.5pt; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Investors should consult their own advisors about the application of FATCA, in particular if they may be classified as financial institutions (or if they hold their notes through a foreign entity) under the FATCA rules.</font></FONT></P>
                <P style="margin-top: 6.6pt; text-align: justify; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-style: italic; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Proposed Legislation</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>. In 2007, legislation was introduced in Congress that, if it had been enacted, would have required holders of notes purchased after the bill was enacted to accrue interest income over the term of the notes despite the fact that there will be no interest payments over the term of the notes.</font></FONT></P>
                <P style="margin-top: 6.6pt; text-align: justify; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Furthermore, in 2013 the House Ways and Means Committee released in draft form certain proposed legislation relating to financial instruments. If it had been enacted, the effect of this legislation generally would have been to require instruments such as the notes to be marked to market on an annual basis with all gains and losses to be treated as ordinary, subject to certain exceptions.</font></FONT></P>
                <P style="margin-top: 6.6pt; margin-bottom: 0.0pt; text-align: justify; "><FONT style="font-family: Arial, sans-serif; font-weight: normal; color: black; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>It is impossible to predict what any such legislation or administrative or regulatory guidance might provide, and whether the effective date of any legislation or guidance will affect notes that were issued before the date that such legislation or guidance is issued. You are urged to consult your tax advisor as to the possibility that any legislative or administrative action may adversely affect the tax treatment of your notes.</font></FONT></P>
                <P style="text-align: justify; margin-top: 5.5pt; margin-bottom: 0; "><FONT style="font-weight: bold; font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Both U.S. and non-U.S. holders should consult their tax advisors regarding the U.S. federal income tax consequences of an investment in the notes, as well as any tax consequences arising under the laws of any state, local or non-U.S. taxing jurisdiction (including that of BNS).</font></FONT></P>
            </DIV>
            <DIV style="width: 595.21pt; padding: 0 39.00pt 23.43pt 39.00pt; min-height: 23.38pt; position: relative; ">
                <TABLE width="607.09pt" style="margin-left: -5.94pt; width: 607.09pt; table-layout: fixed; border-collapse: collapse; ">
                    <TR>
                        <TD width="555.39pt" style="width: 555.39pt; border: 0; margin: 0; padding: 0; height: 0; ">
                        </TD>
                        <TD width="51.70pt" style="width: 51.70pt; border: 0; margin: 0; padding: 0; height: 0; ">
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-top:  0.50pt solid #008000; ">
                            <P style="text-align: left; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; color: #5B862B; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Autocallable Strategic Accelerated Redemption Securities</font></FONT><FONT style="font-family: Arial, sans-serif; color: #5B862B; vertical-align: super; font-size: 7pt; "><font style='white-space: pre-wrap;'>&#174;</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-top:  0.50pt solid #008000; ">
                            <P style="text-align: right; margin-top: 0; margin-bottom: 0; "><FONT style="color: #5B862B; font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>TS-</font><FONT>18</FONT></FONT></P>
                        </TD>
                    </TR>
                </TABLE>
                <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; ">&nbsp;</FONT></P>
            </DIV>
        </DIV>
        <DIV style="page-break-after: always; border-bottom: 1pt solid black; ">
            <P></P>
        </DIV>
        <DIV style="margin: auto; width: 673.20pt; padding: 36pt 0; ">
            <DIV style="width: 595.21pt; padding: 31.19pt 39.00pt 0 39.00pt; min-height: 48.02pt; position: relative; ">
                <TABLE width="100.00%" style="margin-left: -5.94pt; width: 100.00%; table-layout: fixed; border-collapse: collapse; ">
                    <TR>
                        <TD width="88.97%" style="width: 88.97%; border: 0; margin: 0; padding: 0; height: 0; ">
                        </TD>
                        <TD width="21.03%" style="width: 21.03%; border: 0; margin: 0; padding: 0; height: 0; ">
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; min-height: 23.32pt; ">
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-bottom:  4.50pt solid #5B862B; ">
                            <P style="margin-top: 0; margin-bottom: 0; "><FONT style="color: #5B862B; font-size: 16.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>Autocallable Strategic Accelerated Redemption Securities</font></FONT><FONT style="color: #5B862B; font-size: 14pt; vertical-align: super; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>&#174; </font></FONT><FONT style="color: #5B862B; font-size: 16.0pt; font-family: Arial, sans-serif; "><BR></FONT><FONT style="color: #5B862B; font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Linked to a Basket of Three Financial Sector Stocks due November 27, 2028</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-bottom:  4.50pt solid #5B862B; ">
                            <P style="text-align: right; margin-top: 0; margin-bottom: 0; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; ">&nbsp;</FONT></P>
                            <P style="text-align: right; margin-top: 0; margin-bottom: 0; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; ">&nbsp;</FONT></P>
                            <P style="text-align: right; margin-top: 0; margin-bottom: 0; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; ">&nbsp;</FONT></P>
                        </TD>
                    </TR>
                </TABLE>
                <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; ">&nbsp;</FONT></P>
            </DIV>
            <DIV style="width: 595.21pt; padding: 10pt 39.00pt 10pt 39.00pt; position: relative; margin-bottom: 20pt; ">
                <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; text-align: justify; "><FONT style="color: #5B862B; font-size: 20.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>Validity of the Notes</font></FONT></P>
                <P style="text-align: justify; margin-top: 5.5pt; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>In the opinion of Fried, Frank, Harris, Shriver &amp; Jacobson LLP, as special counsel to BNS, when the notes offered by this term sheet have been executed and issued by BNS and authenticated by the trustee pursuant to the indenture and delivered, paid for and sold as contemplated herein, the notes will be valid and binding obligations of BNS, enforceable against BNS in accordance with their terms, subject to applicable bankruptcy, insolvency, fraudulent conveyance, reorganization, moratorium, receivership or other laws relating to or affecting creditors&#8217; rights generally, and to general principles of equity (regardless of whether enforcement is sought in a proceeding at law or in equity).&#8239; This opinion is given as of the date hereof and is limited to the laws of the State of New York. Insofar as this opinion involves matters governed by Canadian law, Fried, Frank, Harris, Shriver &amp; Jacobson LLP has assumed, without independent inquiry or investigation, the validity of the matters opined on by Osler, Hoskin &amp; Harcourt LLP, Canadian legal counsel for BNS, in its opinion expressed below.&#8239; In addition, this opinion is subject to customary assumptions about the trustee&#8217;s authorization, execution and delivery of the indenture and, with respect to the notes, authentication of the notes and the genuineness of signatures and certain factual matters, all as stated in the opinion of Fried, Frank, Harris, Shriver &amp; Jacobson LLP dated October 9, 2024 filed with the SEC as Exhibit 5.3 to the Registration Statement on Form F-3 on October 9, 2024.</font></FONT></P>
                <P style="text-align: justify; margin-top: 5.5pt; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>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 BNS in conformity with the Indenture, and when the notes have been duly executed, authenticated and issued in accordance with the Indenture, and delivered against payment therefor, the notes will be validly issued and, to the extent validity of the notes is a matter governed by the laws of the Province of Ontario or the federal laws of Canada applicable therein, will be valid obligations of BNS, 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, preference, moratorium, arrangement or winding-up laws or other similar laws affecting the enforcement of creditors&#8217; 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 Province of Ontario and the federal laws of Canada applicable therein. In addition, this opinion is subject to customary assumptions about the Trustees&#8217; authorization, execution and delivery of the Indenture and the genuineness of signatures and certain factual matters, all as stated in the letter of such counsel dated October 9, 2024, which has been filed as Exhibit 5.2 to BNS&#8217; Form F-3 filed with the SEC on October 9, 2024.</font></FONT></P>
                <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; text-align: justify; "><FONT style="color: #5B862B; font-size: 20.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>Where You Can Find More Information</font></FONT></P>
                <P style="text-align: justify; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>We have filed a registration statement (including a product supplement, a prospectus supplement and a prospectus) with the SEC for the offering to which this term sheet relates. You should read the Note Prospectus, including this term sheet, and the other documents that we have filed with the SEC, for more complete information about us and this offering. You may get these documents without cost by visiting EDGAR on the SEC website at www.sec.gov. Alternatively, we, any agent, or any dealer participating in this offering will arrange to send you these documents if you so request by calling MLPF&amp;S or BofAS toll-free at 1-800-294-1322.</font></FONT></P>
                <P style="text-align: justify; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
                <P style="text-align: justify; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>&#8220;Strategic Accelerated Redemption Securities</font></FONT><FONT style="font-family: Arial, sans-serif; vertical-align: super; font-size: 7pt; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>&#8221; are registered service marks of Bank of America Corporation, the parent company of MLPF&amp;S and BofAS.</font></FONT></P>
            </DIV>
            <DIV style="width: 595.21pt; padding: 0 39.00pt 23.43pt 39.00pt; min-height: 23.38pt; position: relative; ">
                <TABLE width="607.09pt" style="margin-left: -5.94pt; width: 607.09pt; table-layout: fixed; border-collapse: collapse; ">
                    <TR>
                        <TD width="555.39pt" style="width: 555.39pt; border: 0; margin: 0; padding: 0; height: 0; ">
                        </TD>
                        <TD width="51.70pt" style="width: 51.70pt; border: 0; margin: 0; padding: 0; height: 0; ">
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-top:  0.50pt solid #008000; ">
                            <P style="text-align: left; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; color: #5B862B; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Autocallable Strategic Accelerated Redemption Securities</font></FONT><FONT style="font-family: Arial, sans-serif; color: #5B862B; vertical-align: super; font-size: 7pt; "><font style='white-space: pre-wrap;'>&#174;</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-top:  0.50pt solid #008000; ">
                            <P style="text-align: right; margin-top: 0; margin-bottom: 0; "><FONT style="color: #5B862B; font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>TS-</font><FONT>19</FONT></FONT></P>
                        </TD>
                    </TR>
                </TABLE>
                <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; ">&nbsp;</FONT></P>
            </DIV>
        </DIV>
        <DIV style="border-bottom: 1pt solid black; ">
            <P></P>
        </DIV>
    </BODY>
</HTML>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-FILING FEES
<SEQUENCE>2
<FILENAME>ex-filingfees.htm
<DESCRIPTION>EXHIBIT 107.1
<TEXT>
<XBRL>
<?xml version='1.0' encoding='ASCII'?>
<html xmlns="http://www.w3.org/1999/xhtml" xmlns:xs="http://www.w3.org/2001/XMLSchema-instance" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:xbrli="http://www.xbrl.org/2003/instance" xmlns:xbrldi="http://xbrl.org/2006/xbrldi" xmlns:xbrldt="http://xbrl.org/2005/xbrldt" xmlns:iso4217="http://www.xbrl.org/2003/iso4217" xmlns:ix="http://www.xbrl.org/2013/inlineXBRL" xmlns:ixt="http://www.xbrl.org/inlineXBRL/transformation/2015-02-26" xmlns:ixt-sec="http://www.sec.gov/inlineXBRL/transformation/2015-08-31" xmlns:link="http://www.xbrl.org/2003/linkbase" xmlns:ffd="http://xbrl.sec.gov/ffd/2025" xmlns:dei="http://xbrl.sec.gov/dei/2025" xmlns:bns="http://scotiabank.com/20251110">
<head>
     <title>EX Filing Fees</title>
<meta http-equiv="Content-Type" content="text/html"/>
</head>
<!-- Field: Set; Name: xdx; ID: xdx_027_FFD%2D2025 -->
<!-- Field: Set; Name: xdx; ID: xdx_030_bns_scotiabank.com_20251110 -->
<!-- Field: Set; Name: xdx; ID: xdx_04B_20251110_20251110 -->
<!-- Field: Set; Name: xdx; ID: xdx_059_edei%2D%2DEntityCentralIndexKey_0000009631 -->
<!-- Field: Set; Name: xdx; ID: xdx_06B_USD_1_iso4217%2D%2DUSD -->
<!-- Field: Set; Name: xdx; ID: xdx_062_Shares_2_xbrli%2D%2Dshares -->
<!-- Field: Set; Name: xdx; ID: xdx_06D_USDPShares_3_iso4217%2D%2DUSD_xbrli%2D%2Dshares -->
<!-- Field: Set; Name: xdx; ID: xdx_065_Ratio_4_xbrli%2D%2Dpure -->
<body style="font: 10pt Arial, Helvetica, Sans-Serif">
<div style="display: none">
<ix:header>
 <ix:hidden>
  <ix:nonNumeric contextRef="AsOf2025-11-10" id="Fact000003" name="dei:EntityCentralIndexKey">0000009631</ix:nonNumeric>
  </ix:hidden>
 <ix:references>
  <link:schemaRef xlink:href="https://xbrl.sec.gov/ffd/2025/ffd-2025.xsd" xlink:type="simple"/>
  </ix:references>
 <ix:resources>
    <xbrli:context id="AsOf2025-11-10">
      <xbrli:entity>
        <xbrli:identifier scheme="http://www.sec.gov/CIK">0000009631</xbrli:identifier>
      </xbrli:entity>
      <xbrli:period>
        <xbrli:startDate>2025-11-10</xbrli:startDate>
        <xbrli:endDate>2025-11-10</xbrli:endDate>
      </xbrli:period>
    </xbrli:context>
    <xbrli:unit id="USD">
      <xbrli:measure>iso4217:USD</xbrli:measure>
    </xbrli:unit>
    <xbrli:unit id="Shares">
      <xbrli:measure>xbrli:shares</xbrli:measure>
    </xbrli:unit>
    <xbrli:unit id="USDPShares">
      <xbrli:divide>
        <xbrli:unitNumerator>
          <xbrli:measure>iso4217:USD</xbrli:measure>
        </xbrli:unitNumerator>
        <xbrli:unitDenominator>
          <xbrli:measure>xbrli:shares</xbrli:measure>
        </xbrli:unitDenominator>
      </xbrli:divide>
    </xbrli:unit>
    <xbrli:unit id="Ratio">
      <xbrli:measure>xbrli:pure</xbrli:measure>
    </xbrli:unit>
  </ix:resources>
 </ix:header>
</div>


<p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: right"><span style="font-family: times new roman; font-size: 12pt"><b>Exhibit
107.1</b></span></p>



<p style="font: 12pt/14pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: center"><b>CALCULATION OF FILING FEE TABLES</b></p>

<p style="font: 11pt Arial, Helvetica, Sans-Serif; text-align: center; margin-top: 6pt; margin-bottom: 6pt"><span id="xdx_900_effd--FormTp_c20251110__20251110_zRASuWpUwvwc" style="font-family: Times New Roman, Times, Serif; font-size: 12pt"><b><ix:nonNumeric contextRef="AsOf2025-11-10" id="Fact000009" name="ffd:FormTp">F-3</ix:nonNumeric></b></span></p>

<p style="font: 12pt/14pt Times New Roman, Times, Serif; margin: 0 0 0pt; text-align: center"><b><span id="xdx_908_edei--EntityRegistrantName_c20251110__20251110_zq4Hsr1y1PKi"><ix:nonNumeric contextRef="AsOf2025-11-10" id="Fact000010" name="dei:EntityRegistrantName">BANK OF NOVA SCOTIA</ix:nonNumeric></span></b></p>
<p style="font: 10pt Arial, Helvetica, Sans-Serif; text-align: center; margin-top: 6pt; margin-bottom: 6pt"></p>

<p style="font: 12pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; visibility: hidden; text-indent: 0in"><span style="visibility: hidden; font-family: Times New Roman, Times, Serif; font-size: 10pt">Submission Type: <span id="xdx_903_effd--SubmissnTp_c20251110__20251110_zkCOhqdV921c" style="visibility: hidden"><ix:nonNumeric contextRef="AsOf2025-11-10" id="Fact000011" name="ffd:SubmissnTp">424B2</ix:nonNumeric></span></span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0; visibility: hidden; text-align: left"><span id="xdx_90F_effd--FeeExhibitTp_c20251110__20251110_z8i4t8nI3kcb" style="visibility: hidden"><ix:nonNumeric contextRef="AsOf2025-11-10" id="Fact000012" name="ffd:FeeExhibitTp">EX-FILING FEES</ix:nonNumeric></span></p>

<p style="font: 12pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; visibility: hidden; text-indent: 0in"><span style="visibility: hidden; font-family: Times New Roman, Times, Serif; font-size: 10pt">SEC File No. <span id="xdx_905_effd--RegnFileNb_c20251110__20251110_zW7OPHR8hHah" style="visibility: hidden"><ix:nonNumeric contextRef="AsOf2025-11-10" id="Fact000013" name="ffd:RegnFileNb">333-282565</ix:nonNumeric></span></span></p>



<p style="font: 12pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; visibility: hidden; text-indent: 0in"><span style="visibility: hidden; font-family: Times New Roman, Times, Serif; font-size: 10pt">Final Prospectus: <span id="xdx_90C_effd--FnlPrspctsFlg_c20251110__20251110_zB7ayfnGrra4" style="visibility: hidden"><ix:nonNumeric contextRef="AsOf2025-11-10" format="ixt:booleantrue" id="Fact000014" name="ffd:FnlPrspctsFlg">True</ix:nonNumeric></span></span></p>



<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0; visibility: hidden"><span><span id="xdx_902_effd--OfferingTableNa_c20251110__20251110_zqubNQVXwPpf"><span id="xdx_900_effd--OffsetTableNa_c20251110__20251110_zgJmqp9RQ1Wf" style="visibility: hidden"><span id="xdx_900_effd--CombinedProspectusTableNa_c20251110__20251110_z5MRXyColrDi"><ix:nonNumeric contextRef="AsOf2025-11-10" id="Fact000015" name="ffd:OfferingTableNa"><ix:nonNumeric contextRef="AsOf2025-11-10" id="Fact000016" name="ffd:OffsetTableNa"><ix:nonNumeric contextRef="AsOf2025-11-10" id="Fact000017" name="ffd:CombinedProspectusTableNa">N/A</ix:nonNumeric></ix:nonNumeric></ix:nonNumeric></span></span></span>&#160;</span></p>





<p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 6pt 0 0; visibility: hidden"></p>

<hr style="border-width: 0; color: Gray; background-color: Gray; height: 1px; width: 100%; margin-top: 3pt; margin-bottom: 3pt"/>
<p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 6pt 0 0"></p>

<p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 6pt 0 0"><span id="xdx_90F_effd--NrrtvDsclsr_c20251110__20251110_zfQg9fHohZT" style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><ix:nonNumeric contextRef="AsOf2025-11-10" escape="true" id="Fact000018" name="ffd:NrrtvDsclsr">The pricing supplement to which this Exhibit is attached is a final prospectus for the related offering.</ix:nonNumeric></span> <span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">The maximum aggregate offering price for such offering is $</span><span id="xdx_908_effd--NrrtvMaxAggtOfferingPric_c20251110__20251110_zzWcnDW2Ze9a" style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><ix:nonFraction name="ffd:NrrtvMaxAggtOfferingPric" contextRef="AsOf2025-11-10" id="Fact000019" format="ixt:numdotdecimal" decimals="0" unitRef="USD">13,561,170</ix:nonFraction></span><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">. </span></p>

<p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 6pt 0 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

<p style="margin: 0"></p>

<!-- Field: Page; Sequence: 1; Options: Last -->
    <div style="border-bottom: Black 1pt solid; margin-top: 6pt; margin-bottom: 6pt"><p style="margin: 0pt">&#160;</p></div>
    <!-- Field: /Page -->



<!-- Field: Set; Name: xdx; ID: xdx_08B_extensions -->
<!-- eJxFjV0KwkAMhE/QO4R9lv4qSh8tKmKVUkR8XWyUxXZTsutPj+Qt3baIIRDCzDcjxERsaK1qZDgvyxyO2LS1tAglXpFRX9A5su0uBXdLvCljWWo7vD8wI8egY2Z+nEgnDNanMlilEM6DaBHEUwiTNIqh2Auv1zPSV1WhtkrWIHUFBVPLCq3kbkw4yjdparqh6oRsFOkUIj8c5Q/Eocs70FO+iO8G8jwT3mQYT2yYHq1zrd4WdU/CqsbG1ZmR/q/3BQhMSo8= -->
</body>
</html>
</XBRL>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>3
<FILENAME>image1.gif
<DESCRIPTION>GRAPHIC
<TEXT>
begin 644 image1.gif
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M$$SR>A1H?TY >Q7S B6 >,6G-+9'!)QQ?4O0<#C2? >H$/OT/#.!750'"U&
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MD26JGL:0LX?8"7;!.Z=2&QR POJA F];1#B<$+Q$;4([HTWPP+0QDGTHN$/
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2Y2R_#"9(G=1*O=1,/01!   [

end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>4
<FILENAME>image2.gif
<DESCRIPTION>GRAPHIC
<TEXT>
begin 644 image2.gif
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MV-O_V^+DWO__V]O__^KJZN_O[_7U]??W]_W]_?___P
M
M                                                 "'Y!
M(?\+26UA9V5-86=I8VL.9V%M;6$],"XT-30U-#4 +     ". F$!  ?_@%^"
M@X2%AH>(B8J+C(V.CY"1DI.4E9:7F)F:FYR=GI^@H:*CI*6FIZBIJJNLK:ZO
ML+&RL[2UMK>XN;J[O+V^O\#!PL/$Q<;'R,G*R\S-SL_0T=+3U-76U]B,6]O<
MW5S=X.'BX^3EYN?HZ>KK[.W;W^-=V?/T]?:)74CZ^CC]_?L  PH<2+"@P8,(
M$RI<R+"A0G\X#$*Y1[&B16GYD##9R+&CQX\@0XH<2;*DR9,H4ZI<:5()DHD7
M8\J<&2R?$BTX<^K<R;.GSY] @PH=2K2HT:-(ATY!,H6FTZ=09=E,2K6JU:M8
MLVK5N11FU*]@PX*:NK6LV;-HT_+L*K:MV[>2_[K@N*FVKMV[>'TN;0JWK]^_
M7^32S4NXL&&L; $K7AR5[.''D"/K?<FXLN6+CB5KWEQX[^7/H+-EYDRZ]-G$
MH5.K=C;:M.O75%&OGDV;6&O8N',#]5R[M^]>MW4+'R[[M_'CL8(/7PZ[./+G
MT$\I9TZ=-._HV+.'FEZ]>V3GVL.+I\3]IX?S9<][\%X=_/CW\!65]ZG^J@Z=
M]=DSOQZ_O_]"\_647U)/A+!>3@/J)YQ[_S4H7H \)7A4@A(JB!N##F88'80[
M#1B%#@9Z,,(.59BG'GI:U.<$#>?I$,5.0+#H 0T_6'@8?QKFB!V'^*'HQ(DG
MOB@@D#BIMP.0'CR1T_^10.9@8V>4Z2CEAD@,-B&*(YPG)!#GT6#B@46>%X*2
M6C#II18_>K #3DPZ\61>&$XIIVH\(HBB>C421>%Y9(9Y8 XHANGDFW?A..>A
MJ]7I)TXZJ!?"#FX&M2>8BZ:(9(6$GA8EHIS26255 P)Z8@AYTA>HI92BZN>E
MF=H59Z>P^J6HJCE= 80.69ZWIJF42I@?IJW696BLQ/XU*[!5 $MKI7;^R2=.
M5YPW0K!JO5KLM5\=BZ*,0."4YK2\]IAJ?FG2<(46C7H0*;6:>H7MNVYI>V 5
M(0+9)T_I>G#?LLPR>>*N[&K*%[P$AR5OK3OD&H*+0%4AZJ"^GNJ$J".4&K#_
M6=86K/$]LU[LL189;RRR:)]^;+)1PXZL<CT=GTQMR"O'#$W++K<*L\PX+T-S
MS82FG///S^S,\Y,W VVT,$(/;6'11S<-7,E*1PTR4TY7K3/44@_-M-5<TT)S
M% E+NX.0S1*J[(*;=JTV,"WS<*D'/(BKX+[,=N?SVGC;TO$/;Y]7ZMFY%9CJ
MTFGG;?@MLT9[7@YD1B&J!^?R2QW@[15^^.5286V4VQX,JI.H<:NZ@X$5[_1A
MB".6J%.,75JL7A59TO!$BSNE*V058;<H)))U3ZQ>#NNJ^H.,LC]V-^;(IS*K
MC/?B-/N,?LKX>TYI(DFVO]/[&:*3N4:NA>+@)GNI_YN\+XN]D<U*KUZWAFV=
M_/N;'#SD@8Z^&$6(D>:Z99?>ZLKF>9%2SYE*Q"6XY81SD6(1^[00!?[Q*S\-
M]$ ([(<_[9&)2>""DKO@QT'I:*XHP/K5LYRW.#]9['.G*B&JFF>@$.2DA3RQ
M%0^D5[?\I&M=:8+8"+]'.8%U\(<>M))10GBG4]$J7X\*'JI8);DR 1!-YPF=
M\QYWHAJB*$0=*N*XC(@7]P'QBXY8W@YS\KPS10Q,5)3@W_I6-VCQ3T;>JYX.
M@" ^^J50BUFTXQ8'5RC+@?&/F9@5Y\ZD$QF%[HPZL16NT-?$LO%$5!&DFQ;T
MY\A)X02+<I-<#S%&-4!Z4O\3B1,@F9X@O<BI9UW/\]Q.ZH@349$)?&WLGXBT
ME$DML/*!*+HA]52(R/;Y\9/ A$3'./<V*=:/@174 K=D":YRG4N7C9RD>C*(
MDUS5* HTQ.6!TC1!9#Y1DUSLXP:#2<XP?G!SQ127^M24$WI=JD_G8V<L<<*W
M;Y(12;DJ4;[V-:!XRA.<?'15)\M)T$9\+7<C(MNB1B>B$UXA=PM3*)HHYKIP
MALF%/"%EEYP@OOLXC)<2VV?P>JG!@IIT$4G+FMU^>=*3IE2EU#E>2\OY4I@N
M1Z8S#69-;8JV<>;4I#OE:6Z\^%/X!56HS1EH45UZ3J2^C*5+!>91G6H:V70
M !'_. (B2@   Q@AJN^;*E6MHU0A,   *#B$60'@ K"&M:EC[5GA?$   ,#
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M:F>&7%!'N64&X[.P)B.3<;BZV9I7<D)%R+";'0D:=I>9Y::YSKKJ0@?&ML
M2]:25%Z:_T]OZVUU6Y(6-'=J:LWRLLR>+/3'<$&S'KZ-5G,%$#STMS"^&#IZ
M+Z+5O$T--H2^_>\3"YK-7MIK[PUW-8'ID'&^=FN\\3QB+Y[8=HZ96)%-D(<B
M.<H9,5199ED]!A#E;4D'UD3? 41T(H[_N.JO*"FSNL^I"+?6:3<YI5+17]_>
M3 <(Q%G*[J9-#3KFQJ6NK2HXS@PVBZ;\3E%*L.SD_&.GV_YU[)4SOHR[<\$[
MX1-OYW>VI9EZDRG@@K<=.%_>CW]OX'7CJ_#Y[FM\&/;VWP/0D T]5$ Q3QG0
MOTADA7C&T5%+R+2_#4B@ ?Y3DZTJHHI1M8(K^K.<1'@C)K9<KO\?1BI. 4&1
MBAP90 2VVPTLK 2<8S"%)U8IGBU\1)0N92M_D8A.[4!8F4TL !DB)"'D*GBN
M8Z#"1YL)%_:T!P\\86,$!:L/$"(5OD:QCT+L8U@[K-A$;.C@B>8C'[ZPB#C#
M*.Y^9&2&!%%0L@U$H >OVI$:V5@FXQ%0=N&A(ZG2: (KF()V6Y-@S,8CC%1P
MBQ,O*XG+LD:S6;BN6*+PH[?"%"[@D>X(1L1./PZ1&N"91(*_DZ$<?=&97T7P
M57P<I N>!(M!A.N,A=P9"QTIKOLA\1WL<8\.I'&@"+4OBKO<B]FH$;_W79%O
M^LFEQ'K9C< $\YAAE(:'R@A-?9AL9Z+_C*8UKUE&$'@)F]@\&C=E2;8[X<L)
M"M,+,J&(3"V\S9P*\@ 3N[%.NRQ1&H3S@#D-A[XK3$-OZ(M/%Y.)KWK^*V!R
M"V/]OHG0:2JOF@AMJ$,5@P4.9/"A9/0F13TV2W>4SUY:.!" HL"V8<(M8#30
MIT"]05*39BQ@(T"8PMK!-GX]@5$=Q<9'0\I+^5D(&Q;#F ?^U<QG7C2:"GT*
M0X>*U*3Z( 5)S68*FTJGC/HR4R/0YS?Z=* J:*&>" I4G_CE#45E ZP#TP9.
MM<!/L]8EK8O"AE8C1L_Z>/6KS13CIZ#*N**.#*]\[:M?0671OR9&JH#ITW^L
M\02VT< )?+IE_Q7>)K<++9% Y)"L.RD[#0-5##[J4RR .NL?QFHQG=5X[.&F
MX02NZ@"H=3VH8%\+V]C*=K:T)6Q=;TL8N.)VM^\0*FU_"]S@"G>XB[,M;X];
MV/DA=[F<&B-QGPO=Z$H7NL9EKG6%>=WL>L.UT^VN=[\+7HI65[O,U2UYE^O;
M\*IWO>QM;U3#>=[XRG>^Z76O?>^+W_R.=[[\[2_BN)O?  MXP-'=KW\/C&!X
MU)? #&ZP@_UJX 1+>,+=6/"#+XSA#&,SPA3N\(0!K.$0BWC$[.*PAT_L7PN3
M>,4L;O'8Y(+B&,=8Q2ZNL8U7;&(9H^.6.MX4B&\,Y"!C.,<]7D<XBO_,(1H+
M><E,OB^1D4PA*!-&R4VNLI6]^^1\?4]#PJP"?6@P#LV&@+/H\[('P"P- 9T9
MLUIP4'TB!*C]>+;+7T;RCZ^,YSP_]\EB':NE%%;0N6;CK-D -*8.Y<],_0E\
MA][&GT_;8RKK>=*4%BR1*=93A4UJT'OJAL%<"C@T:S5@_/*7-!PF#8JA.3"D
M/O2F[:75(DNZTK2N]5")?-(L$BHOY(AG%D5Z3W5^T0,%]1NAW3;L76,CV+)&
M0L=L#>UH(Y7(RPR?>4G[3RG&&:W?NU1@-BI2*3O3N=(NM[DW#-\D$C/<Y "C
M%=D7, 1QL9_BB_.U3SSK<^M[WR*B]KIS&F7_[&+[E],PIK6'K5S2-OO9_&ZX
MP]\+8WCD&I_*3K@T?(U/=D_#U^U\9X.RS?%Y*CS2Y'ZXR4^>GG2_X],7TS3
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MD1KWAQWSYP^0, F-\ B!%((SP@P/! REL$ XY(4,A(5? @P^8@Q<^!50$?]
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M1WTV4P\GY'N>U)X?24$&Q#\-M)\"=((O)"21D$ =*8@:*![WZ2IDLH=[9$"
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M8*S;ND"'NK!KN]TEN[,[8[5[_[N]NV>=J[LSF;F^2[S E;O!ZV&A6[S+.VW
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M@IUAG&'B2OA>G>&8"MFX[<ZX1J_"]J3D-&-8%B4H]W14ZT5*(F;Q@:\2'<0
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?;GO[V^ .M[C'3>YRF_O<Z$ZWNM?-[G:[^]UE"@0 .P$!

end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>5
<FILENAME>image3.gif
<DESCRIPTION>GRAPHIC
<TEXT>
begin 644 image3.gif
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M"PT*" T*"@T+"@T*"PT+"P@*#0H*#0L*#0H+#0L+#?___P
M
M
M                                                 "'Y!
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MEX*F-V==%&*)-R=F"')^%0HG8QW^0UNP)G7[0W"11HACN'!8962J@VZ6,P!
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MJV4(HP6=#4NO8&BMRSJI*HMXAI$ "F"K^5D)&VDV^B)QT#))VBH1$;1;$K&
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9][C+?>YTK[O=[X[WO.M][WSON]^]'0@ .P$!

end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>6
<FILENAME>image4.gif
<DESCRIPTION>GRAPHIC
<TEXT>
begin 644 image4.gif
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D^<QOOO.?#_WH2W_ZU*^^]:^/_>QK?_O<[[[WOP_^\(N_   [

end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>7
<FILENAME>image5.gif
<DESCRIPTION>GRAPHIC
<TEXT>
begin 644 image5.gif
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MXNGIZ>_O[^SRX/;Y[_7U]?G[]?GY^?___P
M
M
M                                                 "'Y!
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M*X1M\D:\^\VO>,8+5@B8-X@@7&L('JA:+CSH@<YIXFPXL5\BEF($O7DE@HK
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M_]W@9+6>5MJ-@((N3G^G,)FLE2TK(P*<N5._UU%UK:T"CMFH@-.; %C&I.0
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MCGW@2&KLBT="/E"-6GSC79OZQ '] 0S1X*Z %/S=HS9#O!X, O\)$##>((#
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M686%FB$N@"HT:/_$#"1WN0+ZB=,)((QH-^WGMH6V1)ZMR$>@5J71D +,GNT
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MAV2#A2IK0+ZHES;,F*R8GF,M4O [KK+HGA2M$CCMH]8AN;-I0& *0DA9FPX
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L9TG+6MKREKC,I2YWR<M>^O*7P RF,(=)S&(:\YC(3*8RE\G,9CJSEX$  #L!

end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>8
<FILENAME>image6.gif
<DESCRIPTION>GRAPHIC
<TEXT>
begin 644 image6.gif
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M<?_AAB"&**)T'>[QX8@HIJ@B? -N<N**,,8H(V@EZO'BC#CFJ.-A->9QXXY
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M+$O\>(/-JB2G\]/!"B0P A!P(+@RF6U<:XM2\HE@G4S5@0@D( /?SI)_JI6
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M*^T(GF@*!-KDGNT"Q;(31 $T\%@V/A;W_:DU7LT\9]*24NZ'J>2SM-Q9E%$
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M0B5])5!!>W)PTA<ELD*[#5)Z+SDSWD(NTU))J=32) @U]3IV)F)!A D#S/-
M,D:MDM5<(4$UU2-6U96UI.R0]1^:IJ0JC4[$ Y;97=7L]4A,F[VNJ)0,XZ0=
M.9;#8[DZT7!OVG 9X15:(GX55RQ+\'!K0N[ZHR*@P=#21HW$0D47_U\]R"WW
MW'R!PG$Q%*AA;(0-FD-1J=?6P/9>?QU.8U]H^WUX)&$W"R.Q$]&830(/*/X8
MC8A[G1AD*B3T3@H)/TW'Q*G^*3C(+F!V8SD22KY9#)%3)1GG.O!084)N-C6Y
MFIA;@2,%G)7V0F=+>2X93 E B+K6/6!=^0QAH52*V,7XD^"%I<76HFE!GUX-
MSEF$=<OE'R4PBP_ML*8"UEN^HTU'8A0>F^^#GBVWD+-+:W06MSJX 5L*MFG.
M.TM.T"76I4J@=>[X[, :!6*-R@(%MVB@B8:IO&T&! [B[!OULM<4W++E:HM%
M88Z]NRA'O#MA2PJU(!?!!*-P+$%@3VCZ5/_/LJYP_3A<45]>&M6UI*PHE,%0
M=ZSH:;4#45B6@\D#>J5PV78-PQ]X)CC88L=MB[ =C&@ZC68>?FB<-Y(RMRK'
MPC4)/H [!=QQ<@LY$MB P&SV"G:T"!M.FH(*&*B".3#,=AN  2<V1!.:\(*!
M4P#3%&#EOOA]T!OSDQ$KBL(6BS%E"^T1#1S8IP,P?6!S5QB:0:@AA8NLK(2/
M*U DT/<^,WQ&8V"@7</>4!/7!1&$26R&"$'$"L.L<#$T.1_6B@<'&"1,!! T
M']PX5HSH$:AW=NM"+=A2P_(QI8HY$B/^=AB8.L1*,7#,6RL2,XV:@$>)>4P3
MX$(4A>4PK"X6>F/_@70HG\[HP%YPF $$6^BZ^Y&B%B8PS%MP&,.4"08C54JD
M +5(#<CA#7B#')^&8O&9#]@18#[4XRICP40&A>  =:C*(1^(-R3JH&#9Z!,>
M$M,4:OAO%+F8Y"\ZB1(IV$]=9DJ@UZ2 !_"-<GR\$-WG<I,;.)Q2&N]BY3:'
MX<K[A,"#7$@1)[$Y!D'"P1KVPMT,)Z&8#<%LG 4JGH5 0R$TC!.)*9+FZ/@!
M+F[^4Q;>/ \X;]F'(6XHGG5XI""HQL\K)#2*9IQ/9Y0'4(N*0J#481T8*FI#
M+:HADEKC AFGXAVX;6%6%RGH15GZL8S^9J-Y0.&W*(E2.T3J"Q?4Q$I;_]I3
M?[T4-3%U@SHMV86DR,I@PQJ6"2P1/ KZ%*H^!:IDA.J&M[!3"Y,\T29)&56O
MMG2J>ZEJ&ZX"T3;*D)CEU 0S$TJ!K[[UHF&=C+1FL4DI7(U6LK*5!*0'5[_J
M4:Y=&2L@1%F[?_1)#-G Z5\9"\+ \F2P?^#J'!M;6;\^EB]T;<;,IFE9S_X5
ML]71[&=)6UI _8V/(#'M:ED[B]!Z)+*ME>ULP?#:U(R6MKG5;1]LBQ_<[A:X
MP848:E.[C-\*%[G)_4)O@7-<Y3X7NE5@KCUB&UWK7I:X6@K =K?DW.M^-[C3
M54( BD!>)U07O.D%:W9!9%XBN%>UZI6O<L6+!/_X N"^JO+N?/E+VOH>X;[Y
M5<1^^UO@QO[7" $^+X$-W."W(KB\ ![O=BE<80M?&,,9UO"&.=QA#W\8Q"$6
M\8A)7&(3GQC%*5;QBEG<8A>_&,8QEO&,:5QC&]\8QRXN 'L9I.!!!4 (01;R
MD(E<9",#V<A)5G*2D;QD)R^YR4^6,I&C/&4K0^'*6<:REJU<92Y#^<M3]G*8
MCTSF)X_9S%1.LY+1O.8@M]G-<%ZSG--,9S/;F<QX#K.>O\SG)?,1O@).@J#M
M0>A[&'H<B!:'HI7!Z&0X&AF05H6D4T%I5%CZ%)C.=%<TG8A.'^+3A@AU(4;M
MA%(WX=1,2/425@WH")/_FM-[:?6@O3)K^]8:U['6-4]L+>%<[Z37ON;UKX%-
M[(\$^]7#+FZBN2OJ72L;VL5^]K&-[1%DO[?:"KDVMJ,M[6Y;.]L)V?:XP[WL
M<B=:UN=&][3!S6YMJWO1\([WM]M-;W'+^]'XCK2^S=UO?_\;X $7^, )7G"#
M'QSA"5?XPAG><(<_'.(1E_C$*5YQBU\<XQG7^,8YWG&/?QSD(1?YR$E><I.?
M'.4I5_G*6=YRE[\<YC&7^<QI7G.;WQSG.=?YSGG><XZ3F]/7;K:]"[WM=/L<
MZ4G_.-!'/G1J!QWJL0XV=Y%=86 [7=L4OCK6#ZWU8WN]WM[F-=>+3O:R;[WJ
M_V9G=M7Y77&UK]O=]]9UKYL]]63+';]/YS;>WS[I!(>=[D(7^GMM77=O%]Z]
M=N_[OA=?Z;93O/&1-GJ@ZQUY1%!>W(FG^]T+_7? SSK0H!=VYSU_;[;;G?-P
MS_N[4S_OO8/;\IN.O:@'7WJ/UQWL<+>ZW,T[>U-SV_>@?KRS"1]\5B<X]Z[/
M^ZJ=GOQ&W_K0T(_^ZML]^>%[VOBTWSQ^R2MZ[E/?];LG/?>SO_#<M[K[MH\W
MYCO/_JS'O='B9[[\IX]M]/\=_?F=O_193_3QB]W:>N_K7F_\RN_X"._=W&_]
MRLOHELW'ZH\ %^T!F6WT\ X +;#PU"_^AB[_#,\"(_\PWRKP \..!$O0_QRO
M]9ZO^/K/^50P!?=- R>N[T)M!ET0 6/P\@!L B_M &U0!"M-_W!0^/B/!H/P
M!6EO]$:-_H10^Q+O!R^O!<$/",U."9W/ Z?0"*4PTZ)0"Z%0[:J0 X'OT<!.
M +O0"PFM"+\PX[C0#$'M[=)0!X^0U+ N#,>P!R5OPB3P 0V0ZYQP#-%P ^^0
M!V_P^T!P" L1$6DP!3]-\\8K!+4P_2;-#U]-$0VQ$LWP$D-/]Y!/]P2-$1=1
MX[K/$Y^/"DE1_PQP]4ZQU"*1_U!P%$U1!U&1%1EP%1'Q"7.0[)30]L0/!5^/
M%P?1$!^Q#6$P OE0_=@0UAC_T+X^L?4N<>].;0__3\ 840%M<0VS4 );T0[A
M[__T[NJXD0)O\=("[/[ 4?F\$0#+41D_$!4YD0E[\0+[3PXWS1T[KAU53?"N
M+P?-,?[X<1N_\03/$1WE,1Z[3A\/L2 A<" )$N-:L!T=$AK[<!4=<NUH;0.G
ML2*740\M,A ULB/C\"/GT0VQ,22?4?).423Q,0NIL0]3DM5:,ACG$":'42:E
M#PZ%[2;?T0MMLB%[#R6)42*W,2CQT!ICDOBZL @)42=_3RF;DAZ1T@6'TN]
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M3_&&[6))<V)OU2)7%F?GDV9W=BV+S?@0C>IH5O%TEMIJ5N"&E2]W=.N(<L)
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&?R,(   [

end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>9
<FILENAME>image7.gif
<DESCRIPTION>GRAPHIC
<TEXT>
begin 644 image7.gif
M1TE&.#EA<P/! ?9"          4& PH,!@P,#!,7"Q@=#ATC$2<O%BPU&2 @
M(#I&(4Y>+5)C+U=I,EQO-6%U.&9[.FN!/6^&0'2,0WF21GZ82(.>2XBD3HRI
M49&O4Y:U5IFW6YBU79N[69Z]7HR:;X&"?Y&E:*&_8Z3!::C$;JO&<Z[(>+'*
M?H" @+3,@[?.B+O1C;[3DL'5F,37G<?9HLK;I\W=K-#?L=/AMM;CN]GEP-SG
MQM_IR^/LT.;NU>GPVNSRX._TY?+VZO;Y[_G[]?S]^O___P
M
M
M
M                                                 "'Y! $
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MX6CHAU(JE($N@SDWL(/X5GL+6($0IX*7,D31IVJ>=D%3MDE.Y &21'*%07/
M1QR5,V186%N61WO&(318!WW?I'-OH8 50WT[*'9RYW5VUR^EXDUGN$#1YP,E
MD%QIT6W2IX6$@4R^=AS4QS0%1Q>/%WD:Z 'XAQ9+9 (^=W65MH$6XWH[:&AH
MB'U=<W>=TC[*1$8$Q82S$UJ%0X"'T7?)\5!!4% C$'5T 7=E*#0N.$@B1V1
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M2$L/1P,N=YVR25^7$J&2]WXZ4S@[^G-85&$P1J10Z0(T)Y&TF!9&R!;5:)4
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ML^MH0=#6GWS61/M-Q"G_&D,H><]KU"I;S D*LO8)EA&-;[*EFT$JUV<R@1Z
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M]J5MLR.7U%YAI6</$+/YK,N[J$IXX[#B$MW/4A*+,&R()RSE50>J;OH[B/
MLNBUFT-YY6%>;O")4<NJ)PZ"C- "$)[>G9[1@>UNF=[5]'TLZS&[KA[L47(7
MC/;0VSH#D"M]?T[OOL,(/#'?NH.-=DO&D!<B:)+KH??D^]/47H(<?BV!M","
M-=MQA7H.RQO=[N>U?9#F! 1$H#;,=SX7I2 "/NN1($04N&'P1_\0NOL5[1PX
M$N[PZ(-#\I^M5L U7)%P5-:PGQ!HD#P$PA!#RS 9"+D!P0C>)P50&8:G=O'#
M39VH,;H31&64AI ->N"'#O*<"6Y(%\:Y$#TF1-@4E6,Z#A[042DLCP>N=C^C
M;4X=4/1&#G5(&QYNIA??.I2PGC6-E\Q-$#W;(AN5F#C.&.5F9<R9'8_%+BN"
MBXE56>&DY/C'00$I6$]Y4QB# 1HT,:^/PS@C&M'"P_/TJU>", HB2J<<1@KA
M/8YLI/AFE\?H+9&24^F>(3\$N)C-YV!7E-)\_ =&+]928:[,QBZ_9\E+FH6'
M'>)%NHPX/&IMI1='8V.6/!"W;!QM(2[_F"1G!'$#5N:,<>6*9>&4X4;EA'-:
MWR/'#'4!LF_^,DHM=,PZ=Q=,8;9%.E.2!B[RA@A)*>E6U8!D-8?W Q2,X'#2
MH%]UQJ=-QU4Q7-[4H+T*Y<948A%Z<!M1+G\R(29";FS'$426,IA08\13GLQ2
MYLY(I S3/&L$)QBH,"0G!$_.#CN; ^4T==8\#U@SI"IZU+]<8PSN*0,V0()H
MZJAI*(.5TY7]&<&$/#JBILS-6^/DS%&3DAR8\O0B&B,IF%*P 6VMS"]?'!$#
MRY%.J'H%@\GTSSNW^I1T--!7C3HE(G;P*-#$;QE3Y07WOK<:G8HOB HL95^R
M-!0^GB,&Z3@4_W-V.I=X*(-?<#W&2+VZ"A[*;1<T$)X@COG*78R'*\?+23X;
M>:J<5A9;J:V9ZOAS [LJT:"G(=]*E@$#S]DIB<KX:SV..4.)T=0Y1CFE#5?[
MB\MB=EZ?BYJPGG$._]DK;RX]S0?REYZB(G=&6G28GBZV#)GBL:P.!67C!"%9
M9>2 .-KQW#(6>@Z)A0U-5367(';0F !NEQ?*7>XI-,O'O$V'J<\KAWOM]2Q=
MPD"$Z''B?LF$4-<6 [07'.]&[T71-$EC*"\0VRZ,AQ*@UF,TLEN&@("3.H,\
M]L'"Z*]_:U':7/!&,DT2*/_,X9IEY'A@HQDH-ZMC/,6RF$)O!<[^B/\A70LO
MHP3ON?$R;4N:I$AC)UBA$FC  TG#SLP#0(#,0SM3#7W:9<C)[>J+[9.""FBI
MKZ^+C-&,-M<G5\?*9'Y=RCY+#!#+CS^RA<9H=N#01\)-&EK!RE!NT%(:HA))
MTZ P5@C92@\XN<Y</;,$):%3#$,8!0:99B&KXZE#4UJ%H:T1GGD!@V*.5BQX
M1%,S1/V+CMX/,NQYVA]3,L=%_V)YPDA=0[)$RB3.I52C;K&9+8W) #1EN$6>
MZ.8^_1RRLKG8V[C*G5\C9Y"-=<FC&? JVT%;73SI?JJ"E#1@TQ3L-015VQZ8
M((;;BW[.:03,\;4N?DPV:I<9V3L,0#M*\)O_9E.L;XB(\U,Z(\1E0%;?ZA.X
M*O7KCKBU\]3*R29WQ-R+>-0WPP.YCM*LYB>I;;PY*O#EBG@C2IQHCN'\/3:_
M<Q. 6@N!V(Y;H<.U 4>)LMP7@?0N&86-BV<& QN<;MCXC%?,7A@EW$L="*UJ
MH#30ZE); IMKMLB[E..P=><N?K%(\KERGY!X&S<_QE73M?/(=?!:%)'S$)=4
M="%$YZ*\2 F@;VC/%T(3B5\VE2^2=O"3:>M<$0D"9BB;]EQTW;]?[[M;2_V/
M?C(U\0E]MYP;\]%CZ,/@>L/[0]>KV*],,^6;@W1#IGUUL1(G(KPY+M==_O*0
MW&+)'RJ[P?XB+LIK_Y..<KX*#<Z*#.T&WO.GQ(6#G<U9^>T394)JLN#OV/G7
MZ9?EBU]NXQ%11_38WJ\M@(%O0-HJ@^L>RMD'E0?NKHVF>+&, I4O,#X@ Q5P
M+3-XL39J.3<P7 O>Z..Z)Z?.62_[L'"45GV8=7UG4S^0%X!OHX#C-S:\EQ/_
M!"H&P0WJYPLT!T5HAPM (C[@)V?"UASXQ@OI<$0-L6Q)Q&!" $=TMPTB2'D%
MZ%4'V(".XPVFIPWKLT3"XX \U5SO@1W0PA3@$G9E%';+D#D8$WTDT1R YPN9
MUQ"@(1<:I5./HW#?P!L[* 0P2%(R:&I:%E0Z"%$PL'%)5 (E-C%8R$H)D?\+
M3>$"]I9(QF"!'TB$_2$-3N@+)[A,@94U$=8+<3-S['5^[10X@H"#EK=E,PA7
M6BA/(O$0;Q@>.K<Y^G1AN? MN.!I:%AY"[&&I"%O'H@,<0ATE*0E-"(,[5!?
MY# 4OI$:1R(QX@(I:'*%SR4-'[ :8ZA.6*B(PB0CC5A[_O)0D^@5DH$7D(B)
M6:2)N&"&/P0[H(A$(#2*>?<+$W%BN=!9.BA4HG(DQ*(,!"4/I<(?,""-WZ"&
M.YB+EY0^X>%AR> 2618RNZ8=#56,4-1)/V2&KN0-37$EA+1]0\*+#4$"I)0X
MJ><8TL4/1[)>J$0>N*4Y_&$L%54T:%B.:'2.CVC_<[/CBDEH(,PD?O&X5!]5
MC] $.V*4*D"X57K3/DLBD+BP8W)G4KS +@673.3P$GSC%5L&D; 7>ZTPD0?E
MA<,@10C97+QE7ARY>V\2#!])C$B!"ZWHB=KD+O:W?H)''L479L/ '+'8$C<U
M#ZP26-O0#F#H@!&I0SOY'.DH%#HC"+Q! FBR=DU)E)GHD7ATB#,7;&ZY578X
M?$( 7CCEBEDR:;PU,I<X<,TX=8B8B#B9DYFE'W=B+>/#5R*S1(<2?T?XEJLE
M",*#E+ C-D>QC]6#DOV17AA'B@[5'%T"C AH)".P*C>9F)BRF+RDCF,4-;"1
M-WA9F9F(F7)IDYQIF*8#_X])]$,Q\!XC4%VX\!+0M2&(\$2^L%M>Q(*!5HQB
M&4%D&6T?1 Z"J0Q1D62=>9N\="(NX%0;M)%>A$_*V)NFHU6Z(#L"\P',TQ@%
M-@RN]@OEMI%F20RR%IV(V9JH0)W.<23Z2![-M#GK@!DN<!5;UYU]]&;CU445
M^$72@($[]TP@AGC&5(;(X!HQ($#(,&[YN9\PYS0#DSJK2(?FYP'9U';(E* A
M)346YGK((%0?J7NC)3XOZ@U DDT^@T[_! \]&9;Z^:&U\)JVI"V,=14TI24N
M(SN%EFD0N*)%F9G85PX&-)II1V'3MV73!FT-P70Q52L>&J3,,J3LI%,RD'17
M]?\FGD(4B!1T#D$WB?:D"44K2(D"XK-&<WE3YRF*SS" QQ!W/O,I^T!Z=A>/
MTGD^_0D<^4-QDE=A?C):)F";<<I*-!&>RP -KH%^<XD+HS64^N9XP)&.RL=9
MO-&G^F:H9]$1I6 ;^8$H(F2(KEB/PD!A;2FI"KI!,0$DZE8T4Z.!NO>I1I9I
MK@B8''FJ&X$;'H&LLH<H^ 1USZ:5+V576EJKGC>:+O2G)NB O]H93;$"*B!Q
MCB&%W.E Q5H;R:JJK!JB#BFL0N!EQ'!@>CJMX2*>FD9DV<=R+567X5&(4,6O
MD=&IND>NM/ 1YYH6K("HP,H,SJ64P["7\<J#5?I.J#G_?I':&;4F#3(GKB 4
ML*P@"VQ1L(HY*<HP-9=)<"WI=PZ;B=#HB)$SGM1F/>@X0@\:9?9(E!N["AUK
MK@2KDV-*IOB ?QCW"TY% BV+LAS7=^E9M*.3L=PP=O:TM ADLZG@L6H!"\J:
MKB1),<5)GDE;E,K0CUR+#$B+CCKVM/<3M56KLZE*M:H0"FWKMF\+MY>@9AY
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M[_W[;OW7__%P7_ZA;OR?*_Z<:_K'G^AK,?WR;_7V?__G[_/ZG_W:W^_4#P@
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?ZV /N]C'3O:RF_WL:$^[VM?.]K:[_>UPC_O3 P$ .P$!

end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>10
<FILENAME>image8.gif
<DESCRIPTION>GRAPHIC
<TEXT>
begin 644 image8.gif
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MVNSRX._TY?+VZO;Y[_G[]?S]^O___P
M
M
M                                                 "'Y! $
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M#AD61C0N$^>"I0IK(A]=!O*31W$H(1L!+B?60Q!5;9=2:6.#G^IB+K(K9:U
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MCI/ #^98""4Q+4[B%IC8"=B"1$LF Y&C9':T+3%1(;KF'-SHD8BHCO>S$<Y
M1;%4:0*1A&Q4DX4&=9<2"8NU*U1T(;;5"1?H"$D0&. R@CARBO%7"?Z!1!XV
M!(LP \:53-OR@,9@D2Q9E6UWE;V#"SO0((VP)5!A2PWA ;+X*!ZW)96 C;&$
M>'Z8:II73[9!EXXP#%"6@%NEDB9HC:*0&/2A>RFT6$&@$)+U=Y$R?L;P&C,@
ME8.I@H69.+B04]B&1\\!_PZ4AQ^"R4XR1PG-%$PX<C2&!PG;] @.QPD\^ A,
M($EH%5%JE(<3]3JSPPVHM57:5PE(:9OA*7TA"1HD<%Z.R9'U%%Z4J(PZT)/&
M\)5K9#F5L#R6.7M=R0DWN0G;4$V2P(E<*0,Z$"1&Z0F](3M2AP^G51A\]4>6
MD#7B":&B@)M5$P B0)6,X77UA&"ZXG&30PG\Z3)0<U1+! K,F D(=&<?!!:=
M60DD&1,1=8:P 4Q3>7 1:J.<,*'5IPJT4!PF<*''Z8\X@&#"N50>9Z*O@@BK
M 37>R0BG)WN8(!\U:@F2Y $<E7ZZ, PU,(;_ &6&6#8< (DW*J;H )+K6 NG
M</^F9^H* ? !/WJ7'Y2A/D*DZ[1ZAK%W2SH(VSBG=X@)#<&'D$ M_ 94>]H(
M Q83Y&:G4WEY8\JH9)IE *"FD?H.*N"F32 ^V@ #+I"IK<- _W6(ZQ,$@L@,
ML*5$A%J%J<:B\P4#^M!;NV Y+ODKAB4G+-JH$9JCH $+6V$+#G!S=?D-C1 Y
MD>-$G>2I5V@;/5!W4Y<(D8**D==RVB9<.U*;FF!<0SA)[OE:#$2<M<JMD7"K
M+IBKX>H*%F A]+4+;BE*7V>J%K9#.% 20?!3+B #BP S-!4*\U<)VNAT\(.?
M)4J/UFH2&;(PT]JM8OJM^".NMR"2(@<*U%(#G=ICZZK_78&91M3B/O;7I6+!
M 1IHIV'Y"4,6#%Y!L(A'<NU#6P6+LHUPL%N8L)"J$;2 "S KLS-+LS4;  )P
M 8E0 1$@ 14P 0?  #\;  8@ 8(@ 1#P  (  160M!# #1)   $@"#9+M55K
MM5>+M5FKM5O+M5W+M>3* 1I@ #=[ 1A0 +.0 (@@ %Y+LPO  0]PM=S MC![
M 1FPMG.+MS([M;. "!K0MV.;MX$KN(-+N(5KN(>+N(FKN(O+N#"[LCO1LFJJ
M$0P;"D;AE.=RN9D[ TQWBX@%>_RR"^G5")J(>!X+%]G0=8P)F2E[HX];' DK
MN9-K#8 #)A9R9+:D!):[G>:C_YHS=8NT::>LJ FQ8X0X0BV'(+$& ;QI]YZL
MV[IENHZZJK +6PX6JYE$E21O!:%KTF.OXZ&/D*3Q*1,8Z;PHZ[KOL*.SP(CE
MT$*>P#$OP)WB*0@*& I6ESJ(1PCB6[[[VT;02YYD1;G\6PY.&@S5,0,Y()%4
M)E,"S,"3<;X%$F\-S!&V)3Z:Y%_Z*\$9'$/^^[^=I<%W\8'9D"X+_,$EW!0/
M3"4!;,(TH5 SY0S Y P]@) K3,,<@<+C$<$U/!#-YPSQXZ4Z#,01<<-_HL)!
MW!(-$0-=0Q8]A,%&[,1NQ\$=C*9%_,1'K!A>U\15K,6=,,3#D<-;? Z],&#?
M"\9E'/\<42S%D$K%9@P1AS!._<7&<6P-77Q2<DP3FD8,)6C'>PP*=.P97\S'
M$3- 61S(=NS'R[+&A4QQ0Y.\BFS(:"S%@.S(0B$QRSO)ESP*D-S!DHS)NR ^
MM-K)F'S(>L')H5RYOVK*J>RH:0Q'JNS*K]R_K-S*L$S+M5P0HVPOB6S+N\S+
MX:')_UO*O2S,P_R1LDR]Q(S,R>QHOTR>P:S,SYS*N!QRT$S-U9R(QKQ*NFS-
MVTS+TDPRVLS-X1S-S!R2SBS.YPS&WLP7X(S.[5S(ZFPU[.S.\RS'\ QZ\DS/
M^9S.Y+R(YJS/_YS!]JPX^ S0!:W# EU]!&W0"UW"".T[# W_T8^,S6NJT!%M
MT?OKT"Y8T1?-T>;+SUKHSQTMTN&9T?BST2.-TL\[T>5QTBGMTB3]T2T8TB]-
MTU98TEO8TC6MT[=XTS2TTS_-NCV]OD!-U-PJU+-<U$EML#%-?3.MU$]M94=]
MS%!-U8,IU=E<U5GMD5=-T5KMU;C(U2S]U6-]A6$MNV2-UOYGU@"<UFW->6N]
MHSGMUG--/W#MP72-U^SFT#*+U'GMUU6VUR;]UX-]88&-TX2-V)EEV#Z=V(T]
M4GO-HWWMV),-0ST=NVQ-V9G]0I9='H[;N)\-VJ$MVJ--VJ5MVJ>-VJFMVJO-
MVJWMVH;+V5.MV;-=.+&-U;2-VU%C_]M=G=N]'2\(S=>2[=O#G29V?2#$C=QZ
M8MQ3G-S-+23+O6'.+=T= MUJ/-W7S1_5[=38S=T2H=URW=WAO3M,_7G;+=[G
M'1#?C=[K31GJS=[O71?N#=_S317R3=_WS13VC=_[+1/ZS=__;</D#7+F#> %
MGLDK?=8&KN EA>!QO> /?LL"GF7@#>$5C@G^;>$9/L<2#FD4KN$?_@@8#N(C
M'@PB3N(GWL<<_FL>CN(9;N(M#N.9\.(Q3N.YJ.+PQN(UKN SKN,]KK(W?G0Y
M[N/_S>-#KN-%;N0TCN1)#N-+SN0H[N1/3N)1+N4@3N55KN%7CN46KN5;#N%=
M[N4+#N9A;O_@8T[F &[F9\[?::[F^,WF;4[?;P[G\"WG<\[>=6[GZ(WG>2[>
M>\[GW>WG?X[=@2[HTTWHA>[<&1W9LHWH%;[8E^W@C>[B0/XG+9O@DO[EE.[%
MTLO;F)[IY<SI8NWIG][/H7[IHU[FFEXJIHZFK^WJKP[KL2[KLT[KM6[KMX[K
MN>ZU"*#J?\SJ<4T*P2[LPT[LQ6[LQX[LR:[LI( +R^[LSP[MT3[LS2[MU6[M
MUT[MUZ[MVZ[LV<[MWP[N-.#MX4[NUC[NY8[NT'[NZ<[NR+[N[0[OTQ[OZ0[J
M:(J^#3Z]^.ZR^@[IV-SOLOSOK!SP J_O^X[O U_P4Y*F]W[P"8__\)OL\ 7_
M\, <\?PN\0DO@.K+\ T^\11O\1?_\0T/\B)/\AA?[R7/\2./\BO=\2>_\A/=
M\J5N\C-/\S5O\S>/\SFO\SO/\SWO\S\/]$$O]$-/]$5O]$>/]$FO]$O/]$WO
M]$\/]5$O]5-/]55O]5>/]5FO]5O/]5WO]5\/]F$O]F-/]F5O]F>/]FD?]C&O
M]FWO]M'[]B[(]DT=]UL1"QI?]R(Y]^6-]P@.LQS?]S!_]WL/:80_X(%OS(C_
M]I%J^!DO\8I/\)#:^$=G[RQ?^3!OZ0!O\'XO^2P_^5LON9^/E9MO^9 /\9?O
M[YD?R:J_^JC/^8_O[Z*O];$K^Q2:[P=?__NVS_J)S^^FG\;!G?JD'_R+_ONM
M[OMDC_BYGYL.K_RCK_*"?_O!+_S%?PO-/S)I:OU^<O>[__5X3_LI+_"0?ORG
M'_YDY?JM7_V1;/KC#]*M_OM]7PM_S_O<S_7JZ_V2VLS$3_^/.OV=#\SZ#P@
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,9TG+6MKRE@ )!  [

end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>12
<FILENAME>R1.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
							function toggleNextSibling (e) {
							if (e.nextSibling.style.display=='none') {
							e.nextSibling.style.display='block';
							} else { e.nextSibling.style.display='none'; }
							}</script>
</head>
<body>
<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. 10, 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">0000009631<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 NOVA SCOTIA<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">333-282565<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>
</div></td></tr>
</table>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>13
<FILENAME>R2.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
							function toggleNextSibling (e) {
							if (e.nextSibling.style.display=='none') {
							e.nextSibling.style.display='block';
							} else { e.nextSibling.style.display='none'; }
							}</script>
</head>
<body>
<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. 10, 2025 </div>
<div>USD ($)</div>
</th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ffd_FeesSummaryLineItems', window );"><strong>Fees Summary [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ffd_NrrtvDsclsr', window );">Narrative Disclosure</a></td>
<td class="text">The pricing supplement to which this Exhibit is attached is a final prospectus for the related offering.<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ffd_NrrtvMaxAggtOfferingPric', window );">Narrative - Max Aggregate Offering Price</a></td>
<td class="nump">$ 13,561,170<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>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ffd_FeesSummaryLineItems">
<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_FeesSummaryLineItems</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_FnlPrspctsFlg">
<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_FnlPrspctsFlg</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:booleanItemType</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_NrrtvDsclsr">
<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_NrrtvDsclsr</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>dtr-types:textBlockItemType</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_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>
</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:nonNegative100TMonetary2ItemType</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>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>14
<FILENAME>Show.js
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
// Edgar(tm) Renderer was created by staff of the U.S. Securities and Exchange Commission.  Data and content created by government employees within the scope of their employment are not subject to domestic copyright protection. 17 U.S.C. 105.
var Show={};Show.LastAR=null,Show.showAR=function(a,r,w){if(Show.LastAR)Show.hideAR();var e=a;while(e&&e.nodeName!='TABLE')e=e.nextSibling;if(!e||e.nodeName!='TABLE'){var ref=((window)?w.document:document).getElementById(r);if(ref){e=ref.cloneNode(!0);
e.removeAttribute('id');a.parentNode.appendChild(e)}}
if(e)e.style.display='block';Show.LastAR=e};Show.hideAR=function(){Show.LastAR.style.display='none'};Show.toggleNext=function(a){var e=a;while(e.nodeName!='DIV')e=e.nextSibling;if(!e.style){}else if(!e.style.display){}else{var d,p_;if(e.style.display=='none'){d='block';p='-'}else{d='none';p='+'}
e.style.display=d;if(a.textContent){a.textContent=p+a.textContent.substring(1)}else{a.innerText=p+a.innerText.substring(1)}}}
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>15
<FILENAME>report.css
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
/* Updated 2009-11-04 */
/* v2.2.0.24 */

/* DefRef Styles */
.report table.authRefData{
	background-color: #def;
	border: 2px solid #2F4497;
	font-size: 1em;
	position: absolute;
}

.report table.authRefData a {
	display: block;
	font-weight: bold;
}

.report table.authRefData p {
	margin-top: 0px;
}

.report table.authRefData .hide {
	background-color: #2F4497;
	padding: 1px 3px 0px 0px;
	text-align: right;
}

.report table.authRefData .hide a:hover {
	background-color: #2F4497;
}

.report table.authRefData .body {
	height: 150px;
	overflow: auto;
	width: 400px;
}

.report table.authRefData table{
	font-size: 1em;
}

/* Report Styles */
.pl a, .pl a:visited {
	color: black;
	text-decoration: none;
}

/* table */
.report {
	background-color: white;
	border: 2px solid #acf;
	clear: both;
	color: black;
	font: normal 8pt Helvetica, Arial, san-serif;
	margin-bottom: 2em;
}

.report hr {
	border: 1px solid #acf;
}

/* Top labels */
.report th {
	background-color: #acf;
	color: black;
	font-weight: bold;
	text-align: center;
}

.report th.void	{
	background-color: transparent;
	color: #000000;
	font: bold 10pt Helvetica, Arial, san-serif;
	text-align: left;
}

.report .pl {
	text-align: left;
	vertical-align: top;
	white-space: normal;
	width: 200px;
	white-space: normal; /* word-wrap: break-word; */
}

.report td.pl a.a {
	cursor: pointer;
	display: block;
	width: 200px;
	overflow: hidden;
}

.report td.pl div.a {
	width: 200px;
}

.report td.pl a:hover {
	background-color: #ffc;
}

/* Header rows... */
.report tr.rh {
	background-color: #acf;
	color: black;
	font-weight: bold;
}

/* Calendars... */
.report .rc {
	background-color: #f0f0f0;
}

/* Even rows... */
.report .re, .report .reu {
	background-color: #def;
}

.report .reu td {
	border-bottom: 1px solid black;
}

/* Odd rows... */
.report .ro, .report .rou {
	background-color: white;
}

.report .rou td {
	border-bottom: 1px solid black;
}

.report .rou table td, .report .reu table td {
	border-bottom: 0px solid black;
}

/* styles for footnote marker */
.report .fn {
	white-space: nowrap;
}

/* styles for numeric types */
.report .num, .report .nump {
	text-align: right;
	white-space: nowrap;
}

.report .nump {
	padding-left: 2em;
}

.report .nump {
	padding: 0px 0.4em 0px 2em;
}

/* styles for text types */
.report .text {
	text-align: left;
	white-space: normal;
}

.report .text .big {
	margin-bottom: 1em;
	width: 17em;
}

.report .text .more {
	display: none;
}

.report .text .note {
	font-style: italic;
	font-weight: bold;
}

.report .text .small {
	width: 10em;
}

.report sup {
	font-style: italic;
}

.report .outerFootnotes {
	font-size: 1em;
}
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>17
<FILENAME>FilingSummary.xml
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<XML>
<?xml version='1.0' encoding='utf-8'?>
<FilingSummary>
  <Version>3.25.3</Version>
  <ProcessingTime/>
  <ReportFormat>html</ReportFormat>
  <ContextCount>1</ContextCount>
  <ElementCount>12</ElementCount>
  <EntityCount>1</EntityCount>
  <FootnotesReported>false</FootnotesReported>
  <SegmentCount>0</SegmentCount>
  <ScenarioCount>0</ScenarioCount>
  <TuplesReported>false</TuplesReported>
  <UnitCount>4</UnitCount>
  <MyReports>
    <Report instance="ex-filingfees.htm">
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R1.htm</HtmlFileName>
      <LongName>995210 - Document - Submission</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://xbrl.sec.gov/ffd/role/document/submissionTable</Role>
      <ShortName>Submission</ShortName>
      <MenuCategory>Cover</MenuCategory>
      <Position>1</Position>
    </Report>
    <Report instance="ex-filingfees.htm">
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R2.htm</HtmlFileName>
      <LongName>995215 - Document - Fees Summary</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://xbrl.sec.gov/ffd/role/document/feesSummaryTable</Role>
      <ShortName>Fees Summary</ShortName>
      <MenuCategory>Cover</MenuCategory>
      <Position>2</Position>
    </Report>
    <Report>
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <LongName>All Reports</LongName>
      <ReportType>Book</ReportType>
      <ShortName>All Reports</ShortName>
    </Report>
  </MyReports>
  <InputFiles>
    <File doctype="EX-FILING FEES" original="ex-filingfees.htm">ex-filingfees.htm</File>
  </InputFiles>
  <SupplementalFiles/>
  <BaseTaxonomies>
    <BaseTaxonomy items="2">http://xbrl.sec.gov/dei/2025</BaseTaxonomy>
    <BaseTaxonomy items="10">http://xbrl.sec.gov/ffd/2025</BaseTaxonomy>
  </BaseTaxonomies>
  <HasPresentationLinkbase>false</HasPresentationLinkbase>
  <HasCalculationLinkbase>false</HasCalculationLinkbase>
</FilingSummary>
</XML>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>JSON
<SEQUENCE>19
<FILENAME>MetaLinks.json
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
{
 "version": "2.2",
 "instance": {
  "ex-filingfees.htm": {
   "dts": {
    "inline": {
     "local": [
      "ex-filingfees.htm"
     ]
    },
    "schema": {
     "remote": [
      "http://www.xbrl.org/2003/xbrl-instance-2003-12-31.xsd",
      "http://www.xbrl.org/2003/xbrl-linkbase-2003-12-31.xsd",
      "http://www.xbrl.org/2003/xl-2003-12-31.xsd",
      "http://www.xbrl.org/2003/xlink-2003-12-31.xsd",
      "http://www.xbrl.org/2005/xbrldt-2005.xsd",
      "http://www.xbrl.org/lrr/arcrole/deprecated-2009-12-16.xsd",
      "https://www.xbrl.org/dtr/type/2024-01-31/types.xsd",
      "https://xbrl.sec.gov/dei/2025/dei-2025.xsd",
      "https://xbrl.sec.gov/ffd/2025/ffd-2025.xsd"
     ]
    }
   },
   "keyStandard": 12,
   "keyCustom": 0,
   "axisStandard": 0,
   "axisCustom": 0,
   "memberStandard": 0,
   "memberCustom": 0,
   "hidden": {
    "total": 1,
    "http://xbrl.sec.gov/dei/2025": 1
   },
   "contextCount": 1,
   "entityCount": 1,
   "segmentCount": 0,
   "elementCount": 107,
   "unitCount": 4,
   "baseTaxonomies": {
    "http://xbrl.sec.gov/ffd/2025": 10,
    "http://xbrl.sec.gov/dei/2025": 2
   },
   "report": {
    "R1": {
     "role": "http://xbrl.sec.gov/ffd/role/document/submissionTable",
     "longName": "995210 - Document - Submission",
     "shortName": "Submission",
     "isDefault": "true",
     "groupType": "Fee_Exhibit",
     "subGroupType": "",
     "menuCat": "Cover",
     "order": "1",
     "firstAnchor": {
      "contextRef": "AsOf2025-11-10",
      "name": "dei:EntityRegistrantName",
      "unitRef": null,
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": null,
      "ancestors": [
       "span",
       "b",
       "p",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "ex-filingfees.htm",
      "first": true,
      "unique": true
     },
     "uniqueAnchor": {
      "contextRef": "AsOf2025-11-10",
      "name": "dei:EntityRegistrantName",
      "unitRef": null,
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": null,
      "ancestors": [
       "span",
       "b",
       "p",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "ex-filingfees.htm",
      "first": true,
      "unique": true
     }
    },
    "R2": {
     "role": "http://xbrl.sec.gov/ffd/role/document/feesSummaryTable",
     "longName": "995215 - Document - Fees Summary",
     "shortName": "Fees Summary",
     "isDefault": "false",
     "groupType": "Fee_Exhibit",
     "subGroupType": "",
     "menuCat": "Cover",
     "order": "2",
     "firstAnchor": {
      "contextRef": "AsOf2025-11-10",
      "name": "ffd:NrrtvDsclsr",
      "unitRef": null,
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": null,
      "ancestors": [
       "span",
       "p",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "ex-filingfees.htm",
      "first": true,
      "unique": true
     },
     "uniqueAnchor": {
      "contextRef": "AsOf2025-11-10",
      "name": "ffd:NrrtvDsclsr",
      "unitRef": null,
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": null,
      "ancestors": [
       "span",
       "p",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "ex-filingfees.htm",
      "first": true,
      "unique": true
     }
    }
   },
   "tag": {
    "ffd_AggtRedRpPricFsclYr": {
     "xbrltype": "nonNegative1TMonetary2ItemType",
     "nsuri": "http://xbrl.sec.gov/ffd/2025",
     "localname": "AggtRedRpPricFsclYr",
     "presentation": [
      "http://xbrl.sec.gov/ffd/role/document/securities424iTable"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Aggregate Redeemed or Repurchased Price, Fiscal Year",
        "terseLabel": "Aggregate Redeemed or Repurchased, FY"
       }
      }
     },
     "auth_ref": [
      "r1"
     ]
    },
    "ffd_AggtRedRpPricPrrFsclYr": {
     "xbrltype": "nonNegative1TMonetary2ItemType",
     "nsuri": "http://xbrl.sec.gov/ffd/2025",
     "localname": "AggtRedRpPricPrrFsclYr",
     "presentation": [
      "http://xbrl.sec.gov/ffd/role/document/securities424iTable"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Aggregate Redeemed or Repurchased Price, Prior Fiscal Year",
        "terseLabel": "Aggregate Redeemed or Repurchased, Prior FY"
       }
      }
     },
     "auth_ref": [
      "r1"
     ]
    },
    "ffd_AggtSalesPricFsclYr": {
     "xbrltype": "nonNegative1TMonetary2ItemType",
     "nsuri": "http://xbrl.sec.gov/ffd/2025",
     "localname": "AggtSalesPricFsclYr",
     "presentation": [
      "http://xbrl.sec.gov/ffd/role/document/securities424iTable"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Aggregate Sales Price, Fiscal Year",
        "terseLabel": "Aggregate Sales Price"
       }
      }
     },
     "auth_ref": [
      "r1"
     ]
    },
    "ffd_AmtRedCdts": {
     "xbrltype": "nonNegative1TMonetary2ItemType",
     "nsuri": "http://xbrl.sec.gov/ffd/2025",
     "localname": "AmtRedCdts",
     "presentation": [
      "http://xbrl.sec.gov/ffd/role/document/securities424iTable"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Amount of Redemption Credits",
        "terseLabel": "Redemption Credits"
       }
      }
     },
     "auth_ref": [
      "r1"
     ]
    },
    "ffd_AmtSctiesRcvd": {
     "xbrltype": "nonNegativeDecimal2ItemType",
     "nsuri": "http://xbrl.sec.gov/ffd/2025",
     "localname": "AmtSctiesRcvd",
     "presentation": [
      "http://xbrl.sec.gov/ffd/role/document/feesOfferingTable"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Amount of Securities Received",
        "terseLabel": "Amount of Securities Received",
        "documentation": "Amount of securities to be received by the registrant (or cancelled upon issuance of securities to be registered on the form)"
       }
      }
     },
     "auth_ref": [
      "r6"
     ]
    },
    "ffd_AmtSctiesRegd": {
     "xbrltype": "nonNegativeDecimal2ItemType",
     "nsuri": "http://xbrl.sec.gov/ffd/2025",
     "localname": "AmtSctiesRegd",
     "presentation": [
      "http://xbrl.sec.gov/ffd/role/document/feesOfferingTable"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Amount of Securities Registered",
        "terseLabel": "Amount Registered",
        "documentation": "The amount of securities being registered."
       }
      }
     },
     "auth_ref": [
      "r1"
     ]
    },
    "ffd_CeasedOprsDt": {
     "xbrltype": "dateItemType",
     "nsuri": "http://xbrl.sec.gov/ffd/2025",
     "localname": "CeasedOprsDt",
     "presentation": [
      "http://xbrl.sec.gov/ffd/role/document/submissionTable"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Ceased Operations Date",
        "terseLabel": "Ceased Operations Date"
       }
      }
     },
     "auth_ref": []
    },
    "ffd_CfwdFormTp": {
     "xbrltype": "formTypeItemType",
     "nsuri": "http://xbrl.sec.gov/ffd/2025",
     "localname": "CfwdFormTp",
     "presentation": [
      "http://xbrl.sec.gov/ffd/role/document/feesOfferingTable"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Carry Forward Form Type",
        "terseLabel": "Carry Forward Form Type",
        "documentation": "The Form Type of the prior shelf registration statement from which unsold securities are carried forward under 415(a)(6). This should be an EDGAR submission type (S-3, S-3/A, S-3ASR, etc.), which means there is a fixed set of possible responses. Note that while the XBRL response should be an EDGAR submission type, the human-readable Ex. 107 could include a simpler label (e.g., \"Form S-3\" in the human-readable and \"S-3ASR\" in the XBRL)."
       }
      }
     },
     "auth_ref": [
      "r2"
     ]
    },
    "ffd_CfwdPrevslyPdFee": {
     "xbrltype": "nonNegative1TMonetary2ItemType",
     "nsuri": "http://xbrl.sec.gov/ffd/2025",
     "localname": "CfwdPrevslyPdFee",
     "presentation": [
      "http://xbrl.sec.gov/ffd/role/document/feesOfferingTable"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Carry Forward Previously Paid Fee",
        "terseLabel": "Filing Fee Previously Paid in Connection with Unsold Securities to be Carried Forward",
        "documentation": "The fee previously paid in connection with the securities being brought forward from the prior shelf registration statement on which unsold securities are carried forward under 415(a)(6)."
       }
      }
     },
     "auth_ref": [
      "r2"
     ]
    },
    "ffd_CfwdPrrFctvDt": {
     "xbrltype": "dateItemType",
     "nsuri": "http://xbrl.sec.gov/ffd/2025",
     "localname": "CfwdPrrFctvDt",
     "presentation": [
      "http://xbrl.sec.gov/ffd/role/document/feesOfferingTable"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Carry Forward Prior Effective Date",
        "terseLabel": "Carry Forward Initial Effective Date",
        "documentation": "The initial effective date of the prior shelf registration statement from which unsold securities are carried forward under 415(a)(6)."
       }
      }
     },
     "auth_ref": [
      "r2"
     ]
    },
    "ffd_CfwdPrrFileNb": {
     "xbrltype": "fileNumberItemType",
     "nsuri": "http://xbrl.sec.gov/ffd/2025",
     "localname": "CfwdPrrFileNb",
     "presentation": [
      "http://xbrl.sec.gov/ffd/role/document/feesOfferingTable"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Carry Forward File Number",
        "terseLabel": "Carry Forward File Number",
        "documentation": "The EDGAR File Number of the prior shelf registration statement from which unsold securities are carried forward under 415(a)(6). If the prior registration statement has a Securities Act File Number and an Investment Company Act File Number, the Securities Act File Number should be used."
       }
      }
     },
     "auth_ref": [
      "r2"
     ]
    },
    "ffd_CmbndPrspctsItemAxis": {
     "xbrltype": "stringItemType",
     "nsuri": "http://xbrl.sec.gov/ffd/2025",
     "localname": "CmbndPrspctsItemAxis",
     "presentation": [
      "http://xbrl.sec.gov/ffd/role/document/feesByCmbndPrspctsTable"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Combined Prospectus Item [Axis]",
        "terseLabel": "Combined Prospectus",
        "documentation": "A sequence number (1, 2, 3...) used to distinguish different references to earlier prospectuses on a single fee bearing submission."
       }
      }
     },
     "auth_ref": [
      "r1"
     ]
    },
    "ffd_CmbndPrspctsLineItems": {
     "xbrltype": "stringItemType",
     "nsuri": "http://xbrl.sec.gov/ffd/2025",
     "localname": "CmbndPrspctsLineItems",
     "lang": {
      "en-us": {
       "role": {
        "label": "Combined Prospectus [Line Items]",
        "terseLabel": "Combined Prospectus:"
       }
      }
     },
     "auth_ref": [
      "r1"
     ]
    },
    "ffd_CmbndPrspctsTable": {
     "xbrltype": "stringItemType",
     "nsuri": "http://xbrl.sec.gov/ffd/2025",
     "localname": "CmbndPrspctsTable",
     "presentation": [
      "http://xbrl.sec.gov/ffd/role/document/feesByCmbndPrspctsTable"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Combined Prospectus [Table]",
        "terseLabel": "Combined Prospectus Table"
       }
      }
     },
     "auth_ref": [
      "r1"
     ]
    },
    "ffd_CombinedProspectusTableNa": {
     "xbrltype": "naItemType",
     "nsuri": "http://xbrl.sec.gov/ffd/2025",
     "localname": "CombinedProspectusTableNa",
     "presentation": [
      "http://xbrl.sec.gov/ffd/role/document/submissionTable"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Combined Prospectus Table [N/A]",
        "terseLabel": "Combined Prospectus Table N/A"
       }
      }
     },
     "auth_ref": []
    },
    "ffd_CshPdByRegistrantInTx": {
     "xbrltype": "nonNegative100TMonetary2ItemType",
     "nsuri": "http://xbrl.sec.gov/ffd/2025",
     "localname": "CshPdByRegistrantInTx",
     "presentation": [
      "http://xbrl.sec.gov/ffd/role/document/feesOfferingTable"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Cash Paid by Registrant in Transaction",
        "terseLabel": "Cash Consideration Paid",
        "documentation": "Amount of cash consideration paid by registrant in connection with the exchange or other transaction being registered (in a 457(f) calculation)."
       }
      }
     },
     "auth_ref": [
      "r12"
     ]
    },
    "ffd_CshRcvdByRegistrantInTx": {
     "xbrltype": "nonNegative100TMonetary2ItemType",
     "nsuri": "http://xbrl.sec.gov/ffd/2025",
     "localname": "CshRcvdByRegistrantInTx",
     "presentation": [
      "http://xbrl.sec.gov/ffd/role/document/feesOfferingTable"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Cash Received by Registrant in Transaction",
        "terseLabel": "Cash Consideration Received",
        "documentation": "Amount of cash consideration received by registrant in connection with the exchange or other transaction being registered (in a 457(f) calculation)."
       }
      }
     },
     "auth_ref": [
      "r12"
     ]
    },
    "dei_EntityCentralIndexKey": {
     "xbrltype": "centralIndexKeyItemType",
     "nsuri": "http://xbrl.sec.gov/dei/2025",
     "localname": "EntityCentralIndexKey",
     "presentation": [
      "http://xbrl.sec.gov/ffd/role/document/submissionTable"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Entity Central Index Key",
        "terseLabel": "Central Index Key",
        "documentation": "A unique 10-digit SEC-issued value to identify entities that have filed disclosures with the SEC. It is commonly abbreviated as CIK."
       }
      }
     },
     "auth_ref": [
      "r0"
     ]
    },
    "dei_EntityRegistrantName": {
     "xbrltype": "normalizedStringItemType",
     "nsuri": "http://xbrl.sec.gov/dei/2025",
     "localname": "EntityRegistrantName",
     "presentation": [
      "http://xbrl.sec.gov/ffd/role/document/submissionTable"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Entity Registrant Name",
        "terseLabel": "Registrant Name",
        "documentation": "The exact name of the entity filing the report as specified in its charter, which is required by forms filed with the SEC."
       }
      }
     },
     "auth_ref": [
      "r0"
     ]
    },
    "ffd_FeeAmt": {
     "xbrltype": "nonNegative1TMonetary2ItemType",
     "nsuri": "http://xbrl.sec.gov/ffd/2025",
     "localname": "FeeAmt",
     "presentation": [
      "http://xbrl.sec.gov/ffd/role/document/feesOfferingTable",
      "http://xbrl.sec.gov/ffd/role/document/securities424iTable"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Fee Amount",
        "terseLabel": "Amount of Registration Fee",
        "documentation": "Total amount of registration fee (amount due after offsets)."
       }
      }
     },
     "auth_ref": [
      "r1"
     ]
    },
    "ffd_FeeExhibitTp": {
     "xbrltype": "feeExhibitTypeItemType",
     "nsuri": "http://xbrl.sec.gov/ffd/2025",
     "localname": "FeeExhibitTp",
     "presentation": [
      "http://xbrl.sec.gov/ffd/role/document/submissionTable"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Fee Exhibit Type",
        "terseLabel": "Fee Exhibit Type"
       }
      }
     },
     "auth_ref": []
    },
    "ffd_FeeIntrstAmt": {
     "xbrltype": "nonNegative1TMonetary2ItemType",
     "nsuri": "http://xbrl.sec.gov/ffd/2025",
     "localname": "FeeIntrstAmt",
     "presentation": [
      "http://xbrl.sec.gov/ffd/role/document/feesSummaryTable"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Fee Interest Amount",
        "terseLabel": "Interest Amount"
       }
      }
     },
     "auth_ref": [
      "r1"
     ]
    },
    "ffd_FeeNote": {
     "xbrltype": "textBlockItemType",
     "nsuri": "http://xbrl.sec.gov/ffd/2025",
     "localname": "FeeNote",
     "presentation": [
      "http://xbrl.sec.gov/ffd/role/document/securities424iTable"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Fee Note",
        "terseLabel": "Fee Note"
       }
      }
     },
     "auth_ref": [
      "r1"
     ]
    },
    "ffd_FeeNoteMaxAggtOfferingPric": {
     "xbrltype": "nonNegative100TMonetary2ItemType",
     "nsuri": "http://xbrl.sec.gov/ffd/2025",
     "localname": "FeeNoteMaxAggtOfferingPric",
     "presentation": [
      "http://xbrl.sec.gov/ffd/role/document/feesOfferingTable"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Fee Note Maximum Aggregate Offering Price",
        "terseLabel": "Fee Note MAOP"
       }
      }
     },
     "auth_ref": [
      "r1"
     ]
    },
    "ffd_FeeRate": {
     "xbrltype": "percentItemType",
     "nsuri": "http://xbrl.sec.gov/ffd/2025",
     "localname": "FeeRate",
     "presentation": [
      "http://xbrl.sec.gov/ffd/role/document/feesOfferingTable",
      "http://xbrl.sec.gov/ffd/role/document/securities424iTable"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Fee Rate",
        "terseLabel": "Fee Rate",
        "documentation": "The rate per dollar of fees that public companies and other issuers pay to register their securities with the Commission."
       }
      }
     },
     "auth_ref": [
      "r1"
     ]
    },
    "ffd_FeesOthrRuleFlg": {
     "xbrltype": "booleanItemType",
     "nsuri": "http://xbrl.sec.gov/ffd/2025",
     "localname": "FeesOthrRuleFlg",
     "presentation": [
      "http://xbrl.sec.gov/ffd/role/document/feesOfferingTable"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Fees, Other Rule [Flag]",
        "terseLabel": "Other Rule",
        "documentation": "Checkbox indicating whether filer is using a rule other than 457(a), 457(o), or 457(f) to calculate the registration fee due."
       }
      }
     },
     "auth_ref": [
      "r1"
     ]
    },
    "ffd_FeesSummaryLineItems": {
     "xbrltype": "stringItemType",
     "nsuri": "http://xbrl.sec.gov/ffd/2025",
     "localname": "FeesSummaryLineItems",
     "lang": {
      "en-us": {
       "role": {
        "label": "Fees Summary [Line Items]",
        "terseLabel": "Fees Summary:"
       }
      }
     },
     "auth_ref": [
      "r1"
     ]
    },
    "ffd_FnlPrspctsFlg": {
     "xbrltype": "booleanItemType",
     "nsuri": "http://xbrl.sec.gov/ffd/2025",
     "localname": "FnlPrspctsFlg",
     "presentation": [
      "http://xbrl.sec.gov/ffd/role/document/feesSummaryTable"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Final Prospectus [Flag]",
        "terseLabel": "Final Prospectus"
       }
      }
     },
     "auth_ref": [
      "r1"
     ]
    },
    "ffd_FormTp": {
     "xbrltype": "submissionTypeItemType",
     "nsuri": "http://xbrl.sec.gov/ffd/2025",
     "localname": "FormTp",
     "presentation": [
      "http://xbrl.sec.gov/ffd/role/document/submissionTable"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Form Type",
        "terseLabel": "Form Type"
       }
      }
     },
     "auth_ref": []
    },
    "ffd_GnlInstrIIhiFlg": {
     "xbrltype": "booleanItemType",
     "nsuri": "http://xbrl.sec.gov/ffd/2025",
     "localname": "GnlInstrIIhiFlg",
     "presentation": [
      "http://xbrl.sec.gov/ffd/role/document/feesOfferingTable"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "General Instruction II.H,I [Flag]",
        "terseLabel": "General Instruction II.H,I"
       }
      }
     },
     "auth_ref": []
    },
    "ffd_IssrBizAdrCity": {
     "xbrltype": "stringItemType",
     "nsuri": "http://xbrl.sec.gov/ffd/2025",
     "localname": "IssrBizAdrCity",
     "presentation": [
      "http://xbrl.sec.gov/ffd/role/document/submissionTable"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Issuer Business Address, City",
        "terseLabel": "City"
       }
      }
     },
     "auth_ref": []
    },
    "ffd_IssrBizAdrStatOrCtryCd": {
     "xbrltype": "stateOrCountryCodeItemType",
     "nsuri": "http://xbrl.sec.gov/ffd/2025",
     "localname": "IssrBizAdrStatOrCtryCd",
     "presentation": [
      "http://xbrl.sec.gov/ffd/role/document/submissionTable"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Issuer Business Address, State or Country Code",
        "terseLabel": "State or Country Code"
       }
      }
     },
     "auth_ref": []
    },
    "ffd_IssrBizAdrStrt1": {
     "xbrltype": "stringItemType",
     "nsuri": "http://xbrl.sec.gov/ffd/2025",
     "localname": "IssrBizAdrStrt1",
     "presentation": [
      "http://xbrl.sec.gov/ffd/role/document/submissionTable"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Issuer Business Address, Street 1",
        "terseLabel": "Street 1"
       }
      }
     },
     "auth_ref": []
    },
    "ffd_IssrBizAdrStrt2": {
     "xbrltype": "stringItemType",
     "nsuri": "http://xbrl.sec.gov/ffd/2025",
     "localname": "IssrBizAdrStrt2",
     "presentation": [
      "http://xbrl.sec.gov/ffd/role/document/submissionTable"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Issuer Business Address, Street 2",
        "terseLabel": "Street 2"
       }
      }
     },
     "auth_ref": []
    },
    "ffd_IssrBizAdrZipCd": {
     "xbrltype": "stringItemType",
     "nsuri": "http://xbrl.sec.gov/ffd/2025",
     "localname": "IssrBizAdrZipCd",
     "presentation": [
      "http://xbrl.sec.gov/ffd/role/document/submissionTable"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Issuer Business Address, Zip Code",
        "terseLabel": "Zip Code"
       }
      }
     },
     "auth_ref": []
    },
    "ffd_IssrNm": {
     "xbrltype": "stringItemType",
     "nsuri": "http://xbrl.sec.gov/ffd/2025",
     "localname": "IssrNm",
     "presentation": [
      "http://xbrl.sec.gov/ffd/role/document/submissionTable"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Issuer Name",
        "terseLabel": "Issuer Name"
       }
      }
     },
     "auth_ref": []
    },
    "ffd_MaxAggtOfferingPric": {
     "xbrltype": "nonNegative100TMonetary2ItemType",
     "nsuri": "http://xbrl.sec.gov/ffd/2025",
     "localname": "MaxAggtOfferingPric",
     "presentation": [
      "http://xbrl.sec.gov/ffd/role/document/feesOfferingTable"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Maximum Aggregate Offering Price",
        "terseLabel": "Maximum Aggregate Offering Price",
        "documentation": "The maximum aggregate offering price for the offering that is being registered."
       }
      }
     },
     "auth_ref": [
      "r1"
     ]
    },
    "ffd_MaxOfferingPricPerScty": {
     "xbrltype": "nonNegativeDecimal4lItemType",
     "nsuri": "http://xbrl.sec.gov/ffd/2025",
     "localname": "MaxOfferingPricPerScty",
     "presentation": [
      "http://xbrl.sec.gov/ffd/role/document/feesOfferingTable"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Maximum Offering Price per Security",
        "terseLabel": "Proposed Maximum Offering Price per Unit",
        "documentation": "The maximum offering price per share/unit being registered."
       }
      }
     },
     "auth_ref": [
      "r1"
     ]
    },
    "ffd_NetFeeAmt": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://xbrl.sec.gov/ffd/2025",
     "localname": "NetFeeAmt",
     "presentation": [
      "http://xbrl.sec.gov/ffd/role/document/feesSummaryTable"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Net Fee Amount",
        "terseLabel": "Net Fee"
       }
      }
     },
     "auth_ref": [
      "r1"
     ]
    },
    "ffd_NetSalesAmt": {
     "xbrltype": "nonNegative1TMonetary2ItemType",
     "nsuri": "http://xbrl.sec.gov/ffd/2025",
     "localname": "NetSalesAmt",
     "presentation": [
      "http://xbrl.sec.gov/ffd/role/document/securities424iTable"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Net Sales Amount",
        "terseLabel": "Net Sales"
       }
      }
     },
     "auth_ref": [
      "r1"
     ]
    },
    "ffd_NrrtvDsclsr": {
     "xbrltype": "textBlockItemType",
     "nsuri": "http://xbrl.sec.gov/ffd/2025",
     "localname": "NrrtvDsclsr",
     "presentation": [
      "http://xbrl.sec.gov/ffd/role/document/feesSummaryTable"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Narrative Disclosure",
        "terseLabel": "Narrative Disclosure"
       }
      }
     },
     "auth_ref": [
      "r1"
     ]
    },
    "ffd_NrrtvMaxAggtAmt": {
     "xbrltype": "nonNegativeDecimal2ItemType",
     "nsuri": "http://xbrl.sec.gov/ffd/2025",
     "localname": "NrrtvMaxAggtAmt",
     "presentation": [
      "http://xbrl.sec.gov/ffd/role/document/feesSummaryTable"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Narrative Disclosure, Maximum Aggregate Offering Amount",
        "terseLabel": "Narrative - Max Aggregate Offering Amount"
       }
      }
     },
     "auth_ref": [
      "r1"
     ]
    },
    "ffd_NrrtvMaxAggtOfferingPric": {
     "xbrltype": "nonNegative100TMonetary2ItemType",
     "nsuri": "http://xbrl.sec.gov/ffd/2025",
     "localname": "NrrtvMaxAggtOfferingPric",
     "presentation": [
      "http://xbrl.sec.gov/ffd/role/document/feesSummaryTable"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Narrative Disclosure, Maximum Aggregate Offering Price",
        "terseLabel": "Narrative - Max Aggregate Offering Price"
       }
      }
     },
     "auth_ref": [
      "r1"
     ]
    },
    "ffd_OfferingAxis": {
     "xbrltype": "stringItemType",
     "nsuri": "http://xbrl.sec.gov/ffd/2025",
     "localname": "OfferingAxis",
     "presentation": [
      "http://xbrl.sec.gov/ffd/role/document/feesOfferingTable"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Offering [Axis]",
        "terseLabel": "Offering",
        "documentation": "A sequence number (1, 2, 3...) used to distinguish different security offerings on a single fee bearing submission."
       }
      }
     },
     "auth_ref": []
    },
    "ffd_OfferingLineItems": {
     "xbrltype": "stringItemType",
     "nsuri": "http://xbrl.sec.gov/ffd/2025",
     "localname": "OfferingLineItems",
     "lang": {
      "en-us": {
       "role": {
        "label": "Offering [Line Items]",
        "terseLabel": "Offering:"
       }
      }
     },
     "auth_ref": []
    },
    "ffd_OfferingNote": {
     "xbrltype": "textBlockItemType",
     "nsuri": "http://xbrl.sec.gov/ffd/2025",
     "localname": "OfferingNote",
     "presentation": [
      "http://xbrl.sec.gov/ffd/role/document/feesOfferingTable"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Offering Note",
        "terseLabel": "Offering Note"
       }
      }
     },
     "auth_ref": [
      "r1"
     ]
    },
    "ffd_OfferingSctyTitl": {
     "xbrltype": "securityTitleItemType",
     "nsuri": "http://xbrl.sec.gov/ffd/2025",
     "localname": "OfferingSctyTitl",
     "presentation": [
      "http://xbrl.sec.gov/ffd/role/document/feesOfferingTable",
      "http://xbrl.sec.gov/ffd/role/document/securities424iTable"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Offering Security Title",
        "terseLabel": "Security Class Title",
        "documentation": "The title of the class of securities being registered (for each class being registered)."
       }
      }
     },
     "auth_ref": [
      "r1"
     ]
    },
    "ffd_OfferingSctyTp": {
     "xbrltype": "securityTypeItemType",
     "nsuri": "http://xbrl.sec.gov/ffd/2025",
     "localname": "OfferingSctyTp",
     "presentation": [
      "http://xbrl.sec.gov/ffd/role/document/feesOfferingTable"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Offering Security Type",
        "terseLabel": "Security Type",
        "documentation": "Type of securities: \"Asset-backed Securities\", \"ADRs/ADSs\", \"Debt\", \"Debt Convertible into Equity\", \"Equity\", \"Face Amount Certificates\", \"Limited Partnership Interests\", \"Mortgage Backed Securities\", \"Non-Convertible Debt\", \"Unallocated (Universal) Shelf\", \"Exchange Traded Vehicle Securities\", \"Other\""
       }
      }
     },
     "auth_ref": [
      "r1"
     ]
    },
    "ffd_OfferingTable": {
     "xbrltype": "stringItemType",
     "nsuri": "http://xbrl.sec.gov/ffd/2025",
     "localname": "OfferingTable",
     "presentation": [
      "http://xbrl.sec.gov/ffd/role/document/feesOfferingTable"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Offering [Table]",
        "terseLabel": "Offering:"
       }
      }
     },
     "auth_ref": []
    },
    "ffd_OfferingTableNa": {
     "xbrltype": "naItemType",
     "nsuri": "http://xbrl.sec.gov/ffd/2025",
     "localname": "OfferingTableNa",
     "presentation": [
      "http://xbrl.sec.gov/ffd/role/document/submissionTable"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Offering Table [N/A]",
        "terseLabel": "Offering Table N/A"
       }
      }
     },
     "auth_ref": []
    },
    "ffd_OffsetAxis": {
     "xbrltype": "stringItemType",
     "nsuri": "http://xbrl.sec.gov/ffd/2025",
     "localname": "OffsetAxis",
     "presentation": [
      "http://xbrl.sec.gov/ffd/role/document/feesOffsetTable"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Offset [Axis]",
        "terseLabel": "Offset",
        "documentation": "A sequence number (1, 2, 3...) used to distinguish different offsets as applied to a fee bearing submission."
       }
      }
     },
     "auth_ref": [
      "r1"
     ]
    },
    "ffd_OffsetClmInitlFilgDt": {
     "xbrltype": "dateItemType",
     "nsuri": "http://xbrl.sec.gov/ffd/2025",
     "localname": "OffsetClmInitlFilgDt",
     "presentation": [
      "http://xbrl.sec.gov/ffd/role/document/feesOffsetTable"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Offset Claim Initial Filing Date",
        "terseLabel": "Initial Filing Date",
        "documentation": "The initial filing date of the earlier registration statement with which the earlier (offsetting) fee was paid for a claimed offset. If the offset fee was paid with an amendment, do not provide the amendment date under this element; instead, provide the date of the initial filing (i.e. the \"parent\" filing) ."
       }
      }
     },
     "auth_ref": [
      "r5",
      "r8"
     ]
    },
    "ffd_OffsetClmdAmt": {
     "xbrltype": "nonNegative1TMonetary2ItemType",
     "nsuri": "http://xbrl.sec.gov/ffd/2025",
     "localname": "OffsetClmdAmt",
     "presentation": [
      "http://xbrl.sec.gov/ffd/role/document/feesOffsetTable"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Offset Claimed Amount",
        "terseLabel": "Fee Offset Claimed",
        "documentation": "The amount of offsetting fees being claimed."
       }
      }
     },
     "auth_ref": [
      "r5",
      "r8"
     ]
    },
    "ffd_OffsetClmdInd": {
     "xbrltype": "booleanItemType",
     "nsuri": "http://xbrl.sec.gov/ffd/2025",
     "localname": "OffsetClmdInd",
     "presentation": [
      "http://xbrl.sec.gov/ffd/role/document/feesOffsetTable"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Offset Claimed Indicator",
        "terseLabel": "Offset Claimed"
       }
      }
     },
     "auth_ref": [
      "r1"
     ]
    },
    "ffd_OffsetExpltnForClmdAmt": {
     "xbrltype": "textBlockItemType",
     "nsuri": "http://xbrl.sec.gov/ffd/2025",
     "localname": "OffsetExpltnForClmdAmt",
     "presentation": [
      "http://xbrl.sec.gov/ffd/role/document/feesOffsetTable"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Offset Explanation for Claimed Amount",
        "terseLabel": "Explanation for Claimed Amount"
       }
      }
     },
     "auth_ref": [
      "r1"
     ]
    },
    "ffd_OffsetLineItems": {
     "xbrltype": "stringItemType",
     "nsuri": "http://xbrl.sec.gov/ffd/2025",
     "localname": "OffsetLineItems",
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Offset:",
        "label": "Offset [Line Items]"
       }
      }
     },
     "auth_ref": [
      "r1"
     ]
    },
    "ffd_OffsetNote": {
     "xbrltype": "textBlockItemType",
     "nsuri": "http://xbrl.sec.gov/ffd/2025",
     "localname": "OffsetNote",
     "presentation": [
      "http://xbrl.sec.gov/ffd/role/document/feesOffsetTable"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Offset Note",
        "terseLabel": "Offset Note"
       }
      }
     },
     "auth_ref": [
      "r1"
     ]
    },
    "ffd_OffsetPrrFeeAmt": {
     "xbrltype": "nonNegative1TMonetary2ItemType",
     "nsuri": "http://xbrl.sec.gov/ffd/2025",
     "localname": "OffsetPrrFeeAmt",
     "presentation": [
      "http://xbrl.sec.gov/ffd/role/document/feesOffsetTable"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Offset Prior Fee Amount",
        "terseLabel": "Fee Paid with Fee Offset Source",
        "documentation": "The fee previously paid from which an offset is being derived."
       }
      }
     },
     "auth_ref": [
      "r5",
      "r8"
     ]
    },
    "ffd_OffsetPrrFileNb": {
     "xbrltype": "fileNumberItemType",
     "nsuri": "http://xbrl.sec.gov/ffd/2025",
     "localname": "OffsetPrrFileNb",
     "presentation": [
      "http://xbrl.sec.gov/ffd/role/document/feesOffsetTable"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Offset Prior File Number",
        "terseLabel": "File Number",
        "documentation": "The EDGAR File Number of the earlier registration statement with which the earlier (offsetting) fee was paid. If the offset filing for the offset has a Securities Act File Number and an Investment Company Act File Number, the Securities Act File Number should be used."
       }
      }
     },
     "auth_ref": [
      "r5",
      "r8"
     ]
    },
    "ffd_OffsetPrrFilerNm": {
     "xbrltype": "filerNameItemType",
     "nsuri": "http://xbrl.sec.gov/ffd/2025",
     "localname": "OffsetPrrFilerNm",
     "presentation": [
      "http://xbrl.sec.gov/ffd/role/document/feesOffsetTable"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Offset Prior Filer Name",
        "terseLabel": "Registrant or Filer Name",
        "documentation": "The name of the registrant that filed the earlier registration statement with which the earlier (offsetting) fee was paid."
       }
      }
     },
     "auth_ref": [
      "r5",
      "r8"
     ]
    },
    "ffd_OffsetPrrFormTp": {
     "xbrltype": "formTypeItemType",
     "nsuri": "http://xbrl.sec.gov/ffd/2025",
     "localname": "OffsetPrrFormTp",
     "presentation": [
      "http://xbrl.sec.gov/ffd/role/document/feesOffsetTable"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Offset Prior Form Type",
        "terseLabel": "Form or Filing Type",
        "documentation": "The Form Type of the offset filing."
       }
      }
     },
     "auth_ref": [
      "r5",
      "r8"
     ]
    },
    "ffd_OffsetPrrNbOfUnsoldScties": {
     "xbrltype": "nonNegativeIntegerItemType",
     "nsuri": "http://xbrl.sec.gov/ffd/2025",
     "localname": "OffsetPrrNbOfUnsoldScties",
     "presentation": [
      "http://xbrl.sec.gov/ffd/role/document/feesOffsetTable"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Offset Prior Unsold Number of Securities",
        "terseLabel": "Unsold Securities Associated with Fee Offset Claimed",
        "documentation": "The number of unsold securities registered on the prior registration statement that are associated with the claimed offset."
       }
      }
     },
     "auth_ref": [
      "r5",
      "r8"
     ]
    },
    "ffd_OffsetPrrSctyTitl": {
     "xbrltype": "securityTitleItemType",
     "nsuri": "http://xbrl.sec.gov/ffd/2025",
     "localname": "OffsetPrrSctyTitl",
     "presentation": [
      "http://xbrl.sec.gov/ffd/role/document/feesOffsetTable"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Offset Prior Security Title",
        "terseLabel": "Security Title Associated with Fee Offset Claimed",
        "documentation": "The title of the class of securities from which offset fees were derived."
       }
      }
     },
     "auth_ref": [
      "r5",
      "r8"
     ]
    },
    "ffd_OffsetPrrSctyTp": {
     "xbrltype": "securityTypeItemType",
     "nsuri": "http://xbrl.sec.gov/ffd/2025",
     "localname": "OffsetPrrSctyTp",
     "presentation": [
      "http://xbrl.sec.gov/ffd/role/document/feesOffsetTable"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Offset Prior Security Type",
        "terseLabel": "Security Type Associated with Fee Offset Claimed",
        "documentation": "Type of securities: \"Asset-backed Securities\", \"ADRs/ADSs\", \"Debt\", \"Debt Convertible into Equity\", \"Equity\", \"Face Amount Certificates\", \"Limited Partnership Interests\", \"Mortgage Backed Securities\", \"Non-Convertible Debt\", \"Unallocated (Universal) Shelf\", \"Exchange Traded Vehicle Securities\", \"Other\""
       }
      }
     },
     "auth_ref": [
      "r5",
      "r8"
     ]
    },
    "ffd_OffsetPrrUnsoldOfferingAmt": {
     "xbrltype": "nonNegative1TMonetary2ItemType",
     "nsuri": "http://xbrl.sec.gov/ffd/2025",
     "localname": "OffsetPrrUnsoldOfferingAmt",
     "presentation": [
      "http://xbrl.sec.gov/ffd/role/document/feesOffsetTable"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Offset Prior Unsold Offering Amount",
        "terseLabel": "Unsold Aggregate Offering Amount Associated with Fee Offset Claimed",
        "documentation": "The aggregate offering amount of unsold securities registered on the prior registration statement that are associated with the claimed offset."
       }
      }
     },
     "auth_ref": [
      "r5",
      "r8"
     ]
    },
    "ffd_OffsetSrcFilgDt": {
     "xbrltype": "dateItemType",
     "nsuri": "http://xbrl.sec.gov/ffd/2025",
     "localname": "OffsetSrcFilgDt",
     "presentation": [
      "http://xbrl.sec.gov/ffd/role/document/feesOffsetTable"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Offset Source Filing Date",
        "terseLabel": "Filing Date",
        "documentation": "The filing date of the earlier registration statement with which the earlier (offsetting) fee was paid in an offset."
       }
      }
     },
     "auth_ref": [
      "r5",
      "r8"
     ]
    },
    "ffd_OffsetTable": {
     "xbrltype": "stringItemType",
     "nsuri": "http://xbrl.sec.gov/ffd/2025",
     "localname": "OffsetTable",
     "presentation": [
      "http://xbrl.sec.gov/ffd/role/document/feesOffsetTable"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Offset Payment:",
        "label": "Offset [Table]"
       }
      }
     },
     "auth_ref": [
      "r1"
     ]
    },
    "ffd_OffsetTableNa": {
     "xbrltype": "naItemType",
     "nsuri": "http://xbrl.sec.gov/ffd/2025",
     "localname": "OffsetTableNa",
     "presentation": [
      "http://xbrl.sec.gov/ffd/role/document/submissionTable"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Offset Table [N/A]",
        "terseLabel": "Offset Table N/A"
       }
      }
     },
     "auth_ref": []
    },
    "ffd_PrevslyPdFlg": {
     "xbrltype": "booleanItemType",
     "nsuri": "http://xbrl.sec.gov/ffd/2025",
     "localname": "PrevslyPdFlg",
     "presentation": [
      "http://xbrl.sec.gov/ffd/role/document/feesOfferingTable",
      "http://xbrl.sec.gov/ffd/role/document/securities424iTable"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Fee Previously Paid [Flag]",
        "terseLabel": "Fee Previously Paid"
       }
      }
     },
     "auth_ref": []
    },
    "ffd_RegnFileNb": {
     "xbrltype": "fileNumberItemType",
     "nsuri": "http://xbrl.sec.gov/ffd/2025",
     "localname": "RegnFileNb",
     "presentation": [
      "http://xbrl.sec.gov/ffd/role/document/submissionTable"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Registration File Number",
        "terseLabel": "Registration File Number"
       }
      }
     },
     "auth_ref": []
    },
    "ffd_RptgFsclYrEndDt": {
     "xbrltype": "dateItemType",
     "nsuri": "http://xbrl.sec.gov/ffd/2025",
     "localname": "RptgFsclYrEndDt",
     "presentation": [
      "http://xbrl.sec.gov/ffd/role/document/submissionTable"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Reporting Fiscal Year End Date",
        "terseLabel": "Reporting FY End Date"
       }
      }
     },
     "auth_ref": []
    },
    "ffd_Rule011Flg": {
     "xbrltype": "booleanItemType",
     "nsuri": "http://xbrl.sec.gov/ffd/2025",
     "localname": "Rule011Flg",
     "presentation": [
      "http://xbrl.sec.gov/ffd/role/document/feesOfferingTable"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Rule 0-11 [Flag]",
        "terseLabel": "Rule 0-11"
       }
      }
     },
     "auth_ref": []
    },
    "ffd_Rule011a2OffsetFlg": {
     "xbrltype": "booleanItemType",
     "nsuri": "http://xbrl.sec.gov/ffd/2025",
     "localname": "Rule011a2OffsetFlg",
     "presentation": [
      "http://xbrl.sec.gov/ffd/role/document/feesOffsetTable"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Rule 0-11(a)(2) Offset",
        "label": "Rule 0-11(a)(2) Offset [Flag]"
       }
      }
     },
     "auth_ref": []
    },
    "ffd_Rule415a6Flg": {
     "xbrltype": "booleanItemType",
     "nsuri": "http://xbrl.sec.gov/ffd/2025",
     "localname": "Rule415a6Flg",
     "presentation": [
      "http://xbrl.sec.gov/ffd/role/document/feesOfferingTable"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Rule 415(a)(6) [Flag]",
        "terseLabel": "Rule 415(a)(6)",
        "documentation": "Checkbox indicating whether filer is claiming a 415(a)(6) carryforward."
       }
      }
     },
     "auth_ref": [
      "r2"
     ]
    },
    "ffd_Rule429AggtOfferingAmt": {
     "xbrltype": "nonNegative100TMonetary2ItemType",
     "nsuri": "http://xbrl.sec.gov/ffd/2025",
     "localname": "Rule429AggtOfferingAmt",
     "presentation": [
      "http://xbrl.sec.gov/ffd/role/document/feesByCmbndPrspctsTable"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Rule 429 Aggregate Offering Amount",
        "terseLabel": "Maximum Aggregate Offering Price of Securities Previously Registered",
        "documentation": "The maximum aggregate offering amount of unsold securities registered on the prior registration statement that are carried forward under Rule 429. Only applicable if 457(o) was used in the fee calculation for the prior registration statement."
       }
      }
     },
     "auth_ref": [
      "r3"
     ]
    },
    "ffd_Rule429CmbndPrspctsFlg": {
     "xbrltype": "booleanItemType",
     "nsuri": "http://xbrl.sec.gov/ffd/2025",
     "localname": "Rule429CmbndPrspctsFlg",
     "presentation": [
      "http://xbrl.sec.gov/ffd/role/document/feesByCmbndPrspctsTable"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Rule 429 Combined Prospectus [Flag]",
        "terseLabel": "Rule 429",
        "documentation": "Checkbox indicating whether filer is using a combined prospectus under Rule 429."
       }
      }
     },
     "auth_ref": [
      "r3"
     ]
    },
    "ffd_Rule429EarlierFileNb": {
     "xbrltype": "fileNumberItemType",
     "nsuri": "http://xbrl.sec.gov/ffd/2025",
     "localname": "Rule429EarlierFileNb",
     "presentation": [
      "http://xbrl.sec.gov/ffd/role/document/feesByCmbndPrspctsTable"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Rule 429 Earlier File Number",
        "terseLabel": "File Number",
        "documentation": "The Securities Act File Number of the earlier effective registration statement(s) from which securities may be offered and sold using the combined prospectus pursuant to Rule 429."
       }
      }
     },
     "auth_ref": [
      "r3"
     ]
    },
    "ffd_Rule429EarlierFormTp": {
     "xbrltype": "formTypeItemType",
     "nsuri": "http://xbrl.sec.gov/ffd/2025",
     "localname": "Rule429EarlierFormTp",
     "presentation": [
      "http://xbrl.sec.gov/ffd/role/document/feesByCmbndPrspctsTable"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Rule 429 Earlier Form Type",
        "terseLabel": "Form Type",
        "documentation": "The Form Type of the earlier registration statement from which unsold securities are carried forward under Rule 429. This should be an EDGAR submission type (S-3, S-3/A, S-3ASR, etc.), which means there is a fixed set of possible responses. Note that while the XBRL response should be an EDGAR submission type, the human-readable Ex. 107 could include a simpler label (e.g., \"Form S-3\" in the human-readable and \"S-3ASR\" in the XBRL)."
       }
      }
     },
     "auth_ref": [
      "r3"
     ]
    },
    "ffd_Rule429InitlFctvDt": {
     "xbrltype": "dateItemType",
     "nsuri": "http://xbrl.sec.gov/ffd/2025",
     "localname": "Rule429InitlFctvDt",
     "presentation": [
      "http://xbrl.sec.gov/ffd/role/document/feesByCmbndPrspctsTable"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Rule 429 Initial Effective Date",
        "terseLabel": "Initial Effective Date",
        "documentation": "The filing date of the earlier registration statement from which unsold securities are carried forward under Rule 429."
       }
      }
     },
     "auth_ref": [
      "r3"
     ]
    },
    "ffd_Rule429NbOfUnsoldScties": {
     "xbrltype": "nonNegativeDecimal2ItemType",
     "nsuri": "http://xbrl.sec.gov/ffd/2025",
     "localname": "Rule429NbOfUnsoldScties",
     "presentation": [
      "http://xbrl.sec.gov/ffd/role/document/feesByCmbndPrspctsTable"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Rule 429 Number Of Unsold Securities",
        "terseLabel": "Amount of Securities Previously Registered",
        "documentation": "The number of securities registered on the prior registration statement that are carried forward under Rule 429."
       }
      }
     },
     "auth_ref": [
      "r3"
     ]
    },
    "ffd_Rule429PrspctsNote": {
     "xbrltype": "textBlockItemType",
     "nsuri": "http://xbrl.sec.gov/ffd/2025",
     "localname": "Rule429PrspctsNote",
     "presentation": [
      "http://xbrl.sec.gov/ffd/role/document/feesByCmbndPrspctsTable"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Rule 429 Prospectus Note",
        "terseLabel": "Combined Prospectus Note"
       }
      }
     },
     "auth_ref": [
      "r1"
     ]
    },
    "ffd_Rule429SctyTitl": {
     "xbrltype": "securityTitleItemType",
     "nsuri": "http://xbrl.sec.gov/ffd/2025",
     "localname": "Rule429SctyTitl",
     "presentation": [
      "http://xbrl.sec.gov/ffd/role/document/feesByCmbndPrspctsTable"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Rule 429 Security Title",
        "terseLabel": "Security Class Title"
       }
      }
     },
     "auth_ref": [
      "r1"
     ]
    },
    "ffd_Rule429SctyTp": {
     "xbrltype": "securityTypeItemType",
     "nsuri": "http://xbrl.sec.gov/ffd/2025",
     "localname": "Rule429SctyTp",
     "presentation": [
      "http://xbrl.sec.gov/ffd/role/document/feesByCmbndPrspctsTable"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Rule 429 Security Type",
        "terseLabel": "Security Type"
       }
      }
     },
     "auth_ref": [
      "r1"
     ]
    },
    "ffd_Rule457aFlg": {
     "xbrltype": "booleanItemType",
     "nsuri": "http://xbrl.sec.gov/ffd/2025",
     "localname": "Rule457aFlg",
     "presentation": [
      "http://xbrl.sec.gov/ffd/role/document/feesOfferingTable"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Rule 457(a) [Flag]",
        "terseLabel": "Rule 457(a)",
        "documentation": "Checkbox indicating whether filer is using Rule 457(a) to calculate the registration fee due."
       }
      }
     },
     "auth_ref": [
      "r4"
     ]
    },
    "ffd_Rule457bOffsetFlg": {
     "xbrltype": "booleanItemType",
     "nsuri": "http://xbrl.sec.gov/ffd/2025",
     "localname": "Rule457bOffsetFlg",
     "presentation": [
      "http://xbrl.sec.gov/ffd/role/document/feesOffsetTable"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Rule 457(b) Offset [Flag]",
        "terseLabel": "Rule 457(b) Offset",
        "documentation": "Checkbox indicating whether filer is claiming an offset under Rule 457(b) or 0-11(a)(2)."
       }
      }
     },
     "auth_ref": [
      "r5"
     ]
    },
    "ffd_Rule457fFlg": {
     "xbrltype": "booleanItemType",
     "nsuri": "http://xbrl.sec.gov/ffd/2025",
     "localname": "Rule457fFlg",
     "presentation": [
      "http://xbrl.sec.gov/ffd/role/document/feesOfferingTable"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Rule 457(f) [Flag]",
        "terseLabel": "Rule 457(f)",
        "documentation": "Checkbox indicating whether filer is using Rule 457(f) to calculate the registration fee due."
       }
      }
     },
     "auth_ref": [
      "r6"
     ]
    },
    "ffd_Rule457oFlg": {
     "xbrltype": "booleanItemType",
     "nsuri": "http://xbrl.sec.gov/ffd/2025",
     "localname": "Rule457oFlg",
     "presentation": [
      "http://xbrl.sec.gov/ffd/role/document/feesOfferingTable"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Rule 457(o) [Flag]",
        "terseLabel": "Rule 457(o)",
        "documentation": "Checkbox indicating whether filer is using Rule 457(o) to calculate the registration fee due."
       }
      }
     },
     "auth_ref": [
      "r7"
     ]
    },
    "ffd_Rule457pOffsetFlg": {
     "xbrltype": "booleanItemType",
     "nsuri": "http://xbrl.sec.gov/ffd/2025",
     "localname": "Rule457pOffsetFlg",
     "presentation": [
      "http://xbrl.sec.gov/ffd/role/document/feesOffsetTable"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Rule 457(p) Offset [Flag]",
        "terseLabel": "Rule 457(p) Offset",
        "documentation": "Checkbox indicating whether filer is claiming an offset under Rule 457(p)."
       }
      }
     },
     "auth_ref": [
      "r8"
     ]
    },
    "ffd_Rule457rFlg": {
     "xbrltype": "booleanItemType",
     "nsuri": "http://xbrl.sec.gov/ffd/2025",
     "localname": "Rule457rFlg",
     "presentation": [
      "http://xbrl.sec.gov/ffd/role/document/feesOfferingTable"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Rule 457(r) [Flag]",
        "terseLabel": "Rule 457(r)"
       }
      }
     },
     "auth_ref": [
      "r9"
     ]
    },
    "ffd_Rule457sFlg": {
     "xbrltype": "booleanItemType",
     "nsuri": "http://xbrl.sec.gov/ffd/2025",
     "localname": "Rule457sFlg",
     "presentation": [
      "http://xbrl.sec.gov/ffd/role/document/feesOfferingTable"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Rule 457(s) Flag",
        "terseLabel": "Rule 457(s)"
       }
      }
     },
     "auth_ref": [
      "r10"
     ]
    },
    "ffd_Rule457uFlg": {
     "xbrltype": "booleanItemType",
     "nsuri": "http://xbrl.sec.gov/ffd/2025",
     "localname": "Rule457uFlg",
     "presentation": [
      "http://xbrl.sec.gov/ffd/role/document/feesOfferingTable"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Rule 457(u) [Flag]",
        "terseLabel": "Rule 457(u)",
        "documentation": "Checkbox indicating whether filer is using Rule 457(u) to calculate the registration fee due."
       }
      }
     },
     "auth_ref": [
      "r11"
     ]
    },
    "ffd_Scties424iAxis": {
     "xbrltype": "stringItemType",
     "nsuri": "http://xbrl.sec.gov/ffd/2025",
     "localname": "Scties424iAxis",
     "presentation": [
      "http://xbrl.sec.gov/ffd/role/document/securities424iTable"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Securities, 424I [Axis]",
        "terseLabel": "Securities, 424I"
       }
      }
     },
     "auth_ref": [
      "r1"
     ]
    },
    "ffd_Scties424iLineItems": {
     "xbrltype": "stringItemType",
     "nsuri": "http://xbrl.sec.gov/ffd/2025",
     "localname": "Scties424iLineItems",
     "lang": {
      "en-us": {
       "role": {
        "label": "Securities, 424I [Line Items]",
        "terseLabel": "Securities, 424I:"
       }
      }
     },
     "auth_ref": [
      "r1"
     ]
    },
    "ffd_Scties424iTable": {
     "xbrltype": "stringItemType",
     "nsuri": "http://xbrl.sec.gov/ffd/2025",
     "localname": "Scties424iTable",
     "presentation": [
      "http://xbrl.sec.gov/ffd/role/document/securities424iTable"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Securities, 424I [Table]",
        "terseLabel": "Securities, 424I Table"
       }
      }
     },
     "auth_ref": [
      "r1"
     ]
    },
    "ffd_Securities424iTableNa": {
     "xbrltype": "naItemType",
     "nsuri": "http://xbrl.sec.gov/ffd/2025",
     "localname": "Securities424iNa",
     "presentation": [
      "http://xbrl.sec.gov/ffd/role/document/submissionTable"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Securities 424I [N/A]",
        "terseLabel": "Securities 424I N/A"
       }
      }
     },
     "auth_ref": []
    },
    "ffd_SubmissionLineItems": {
     "xbrltype": "stringItemType",
     "nsuri": "http://xbrl.sec.gov/ffd/2025",
     "localname": "SubmissionLineItems",
     "lang": {
      "en-us": {
       "role": {
        "label": "Submission [Line Items]",
        "terseLabel": "Items"
       }
      }
     },
     "auth_ref": []
    },
    "ffd_SubmissnTp": {
     "xbrltype": "submissionTypeItemType",
     "nsuri": "http://xbrl.sec.gov/ffd/2025",
     "localname": "SubmissnTp",
     "presentation": [
      "http://xbrl.sec.gov/ffd/role/document/submissionTable"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Submission Type",
        "terseLabel": "Submission Type"
       }
      }
     },
     "auth_ref": []
    },
    "ffd_TermntnCmpltnWdrwl": {
     "xbrltype": "textBlockItemType",
     "nsuri": "http://xbrl.sec.gov/ffd/2025",
     "localname": "TermntnCmpltnWdrwl",
     "presentation": [
      "http://xbrl.sec.gov/ffd/role/document/feesOffsetTable"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Termination / Completion / Withdrawal Statement",
        "terseLabel": "Termination / Withdrawal Statement"
       }
      }
     },
     "auth_ref": []
    },
    "ffd_TtlFeeAmt": {
     "xbrltype": "nonNegative1TMonetary2ItemType",
     "nsuri": "http://xbrl.sec.gov/ffd/2025",
     "localname": "TtlFeeAmt",
     "presentation": [
      "http://xbrl.sec.gov/ffd/role/document/feesSummaryTable"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Total Fee Amount",
        "terseLabel": "Total Fee Amount"
       }
      }
     },
     "auth_ref": [
      "r1"
     ]
    },
    "ffd_TtlFeeAndIntrstAmt": {
     "xbrltype": "nonNegativeDecimal2ItemType",
     "nsuri": "http://xbrl.sec.gov/ffd/2025",
     "localname": "TtlFeeAndIntrstAmt",
     "presentation": [
      "http://xbrl.sec.gov/ffd/role/document/feesSummaryTable"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Total Fee and Interest Amount",
        "terseLabel": "Total Fee and Interest Amount"
       }
      }
     },
     "auth_ref": [
      "r1"
     ]
    },
    "ffd_TtlOfferingAmt": {
     "xbrltype": "nonNegative1TMonetary2ItemType",
     "nsuri": "http://xbrl.sec.gov/ffd/2025",
     "localname": "TtlOfferingAmt",
     "presentation": [
      "http://xbrl.sec.gov/ffd/role/document/feesSummaryTable"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Total Offering Amount",
        "terseLabel": "Total Offering"
       }
      }
     },
     "auth_ref": [
      "r1"
     ]
    },
    "ffd_TtlOffsetAmt": {
     "xbrltype": "nonNegative1TMonetary2ItemType",
     "nsuri": "http://xbrl.sec.gov/ffd/2025",
     "localname": "TtlOffsetAmt",
     "presentation": [
      "http://xbrl.sec.gov/ffd/role/document/feesSummaryTable"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Total Offset Amount",
        "terseLabel": "Total Offset Amount"
       }
      }
     },
     "auth_ref": [
      "r1"
     ]
    },
    "ffd_TtlPrevslyPdAmt": {
     "xbrltype": "nonNegative1TMonetary2ItemType",
     "nsuri": "http://xbrl.sec.gov/ffd/2025",
     "localname": "TtlPrevslyPdAmt",
     "presentation": [
      "http://xbrl.sec.gov/ffd/role/document/feesSummaryTable"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Total Previously Paid Amount",
        "terseLabel": "Previously Paid Amount"
       }
      }
     },
     "auth_ref": [
      "r1"
     ]
    },
    "ffd_TtlTxValtn": {
     "xbrltype": "nonNegative100TMonetary2ItemType",
     "nsuri": "http://xbrl.sec.gov/ffd/2025",
     "localname": "TtlTxValtn",
     "presentation": [
      "http://xbrl.sec.gov/ffd/role/document/feesSummaryTable"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Total Transaction Valuation",
        "terseLabel": "Total Transaction Valuation"
       }
      }
     },
     "auth_ref": [
      "r1"
     ]
    },
    "ffd_TxValtn": {
     "xbrltype": "nonNegative100TMonetary2ItemType",
     "nsuri": "http://xbrl.sec.gov/ffd/2025",
     "localname": "TxValtn",
     "presentation": [
      "http://xbrl.sec.gov/ffd/role/document/feesOfferingTable"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Transaction Valuation",
        "terseLabel": "Transaction Valuation"
       }
      }
     },
     "auth_ref": []
    },
    "ffd_ValSctiesRcvd": {
     "xbrltype": "nonNegative100TMonetary2ItemType",
     "nsuri": "http://xbrl.sec.gov/ffd/2025",
     "localname": "ValSctiesRcvd",
     "presentation": [
      "http://xbrl.sec.gov/ffd/role/document/feesOfferingTable"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Value of Securities Received",
        "terseLabel": "Value of Securities Received",
        "documentation": "Value of securities to be received by the registrant (or cancelled upon issuance of securities to be registered on the form)"
       }
      }
     },
     "auth_ref": [
      "r6"
     ]
    },
    "ffd_ValSctiesRcvdPerShr": {
     "xbrltype": "nonNegativeDecimal4lItemType",
     "nsuri": "http://xbrl.sec.gov/ffd/2025",
     "localname": "ValSctiesRcvdPerShr",
     "presentation": [
      "http://xbrl.sec.gov/ffd/role/document/feesOfferingTable"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Value of Securities Received, Per Share",
        "terseLabel": "Value of Securities Received, Per Share",
        "documentation": "Value per share of securities to be received by the registrant (or cancelled upon issuance of securities to be registered on the form). This is included in the explanation of 457(f) fee calculation."
       }
      }
     },
     "auth_ref": [
      "r6"
     ]
    }
   }
  }
 },
 "std_ref": {
  "r0": {
   "role": "http://www.xbrl.org/2003/role/presentationRef",
   "Publisher": "SEC",
   "Name": "Exchange Act",
   "Number": "240",
   "Section": "12",
   "Subsection": "b-2"
  },
  "r1": {
   "role": "http://www.xbrl.org/2003/role/presentationRef",
   "Publisher": "SEC",
   "Name": "Securities Act",
   "Number": "230"
  },
  "r2": {
   "role": "http://www.xbrl.org/2003/role/presentationRef",
   "Publisher": "SEC",
   "Name": "Securities Act",
   "Number": "230",
   "Section": "415",
   "Subsection": "a"
  },
  "r3": {
   "role": "http://www.xbrl.org/2003/role/presentationRef",
   "Publisher": "SEC",
   "Name": "Securities Act",
   "Number": "230",
   "Section": "429"
  },
  "r4": {
   "role": "http://www.xbrl.org/2003/role/presentationRef",
   "Publisher": "SEC",
   "Name": "Securities Act",
   "Number": "230",
   "Section": "457"
  },
  "r5": {
   "role": "http://www.xbrl.org/2003/role/presentationRef",
   "Publisher": "SEC",
   "Name": "Securities Act",
   "Number": "230",
   "Section": "457",
   "Subsection": "b"
  },
  "r6": {
   "role": "http://www.xbrl.org/2003/role/presentationRef",
   "Publisher": "SEC",
   "Name": "Securities Act",
   "Number": "230",
   "Section": "457",
   "Subsection": "f"
  },
  "r7": {
   "role": "http://www.xbrl.org/2003/role/presentationRef",
   "Publisher": "SEC",
   "Name": "Securities Act",
   "Number": "230",
   "Section": "457",
   "Subsection": "o"
  },
  "r8": {
   "role": "http://www.xbrl.org/2003/role/presentationRef",
   "Publisher": "SEC",
   "Name": "Securities Act",
   "Number": "230",
   "Section": "457",
   "Subsection": "p"
  },
  "r9": {
   "role": "http://www.xbrl.org/2003/role/presentationRef",
   "Publisher": "SEC",
   "Name": "Securities Act",
   "Number": "230",
   "Section": "457",
   "Subsection": "r"
  },
  "r10": {
   "role": "http://www.xbrl.org/2003/role/presentationRef",
   "Publisher": "SEC",
   "Name": "Securities Act",
   "Number": "230",
   "Section": "457",
   "Subsection": "s"
  },
  "r11": {
   "role": "http://www.xbrl.org/2003/role/presentationRef",
   "Publisher": "SEC",
   "Name": "Securities Act",
   "Number": "230",
   "Section": "457",
   "Subsection": "u"
  },
  "r12": {
   "role": "http://www.xbrl.org/2003/role/presentationRef",
   "Publisher": "SEC",
   "Name": "Securities Act",
   "Number": "230",
   "Subsection": "f",
   "Section": "457"
  }
 }
}
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>ZIP
<SEQUENCE>20
<FILENAME>0001839882-25-064713-xbrl.zip
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
begin 644 0001839882-25-064713-xbrl.zip
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MQY=,7S 3@<GV)0_Q((N'XSG3I6@<A[ ]EQBU/8N(4(WFWY@RY,#<B1]1 *'
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MLCW<;=3UN%J1D<K9=+::WNL>[P58Z@NQ]8ZU(A>RR"@A?37C]$5(E/'W*;!
ML[S@M#*OVO ?46!Z(S&MT9'@5"ROLG]OKR[_15[?J(E[ (+:[O&.Q^<BDT%6
M<H10>YALL,>3SNUEMV!>8O,?,5AFW6 K,E(YD\G(Z4(ZE\]]QNW_+39K0N%I
MH5O?91[1^(3MIJI:'&N.=>LS3^.L:1G)MJN>X,7(N?!]G/U=M@LOS,XE.N>E
MH>M:!+8S?T*VC)K=B,)UHE*Y#^('6O0KJ4R8--FHD0EWDE@Z4FQG!,=GZAA]
M/ 1/Q'N*A,FP???P-+OU1ONK.4!BA+^+8_QMC[UB]TY]'+UOHCU3U%Q[2!VB
MKSSFW>ER-]VG1<VU_/HOU#:Y=>MN:>MPU/P6ZDISAV.>K&/N5954;BL)I=='
M[YLN&_S[\[]J/G6ZY<:[CES\=&;*O^O&X5YE^C'ZT/7A."C/J,[-8#?77,OU
M2^C"QXM3-,3:J^&[$T>7-]I-(HYZ$%[>_!1%8]54ZH_-.C&34"="6W!#_*O+
MVU=L'@*TIS)I^SZ?UIEF,3\Y,D9W1G%TZ9K/_5\^7 6)_ LN2YB&Q45>0B(M
MK#OPVAH@C9H$>8 L;OG9Q/,L8L,>A;B+9B;53,1-RE!4_2!XQ)QCS21Z\(Q&
MP3;C+2-!Y'480I!/+,Q!RHW"^GB/WZ/]%P-?U918B8WGU)[8"!N&3PQ@L"00
M+)($_-@$UK5LAW7\+XZTW3/?RN@W>%XQ#![GJ5N 2_: MT?-J3^FGTD1_U87
M:/I@37'TV+)D C'I\ZFMN+D7.Q-;=[E.-&IC2T+1 SN78)RX0PH @UM)-?,C
MEU=_J">IV+0QP?*&.G^'!J#L?*^L/CB^?P>WA%R]XK<L(Y:I:>T;R"TVR"G@
MCB?BDAWP3E''$PJ$:NT:,QY\\ @N\=:^7D2Y.4Z=50NR,1(W3,RUJ/[9,_DN
MP?6E>.7H(C"8?(VQ(B@'M(Z./O<YIU =@!L21YR9U[X"D;_GS9>'U-7LM7)C
M-I2[3K9;M*;9<<\L\"O[ZN'^M5MX>ES<SY^>^VS";U^^W_',$+=:W7KMK:Z]
MS!M=AJ_4\7/=F"[FBT[ZNJ?RBF$]><WN4[&28Y/4I/JD7T]KULOCHWLRK1=F
MK0(Q?J:?OSL-PZFWL7-C4:MQDZ_CZF7C?D;[[=;83%<F4_7MMO>@/IK\U7]L
M7=XWJP^WU[5QYG7X.LLN7G0/^V,S[W99L_-ZWWHI:+D[I>%J["35['RGG<)%
MX676S]AW/_OIQ<_+L?KFZ]E'_5ZIC=GP0GVVN\I8R53OS)N>6S@/-:*(CUK!
M%U)N6^7_ U!+ 0(4 Q0    ( "A]:EOX_T-\_ @  %L@   1
M  "  0    !E>"UF:6QI;F=F965S+FAT;5!+!08      0 ! #\    K"0
"   !

end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>21
<FILENAME>ex-filingfees_htm.xml
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<XML>
<?xml version="1.0" encoding="utf-8"?>
<xbrl
  xmlns="http://www.xbrl.org/2003/instance"
  xmlns:dei="http://xbrl.sec.gov/dei/2025"
  xmlns:ffd="http://xbrl.sec.gov/ffd/2025"
  xmlns:iso4217="http://www.xbrl.org/2003/iso4217"
  xmlns:link="http://www.xbrl.org/2003/linkbase"
  xmlns:xlink="http://www.w3.org/1999/xlink">
    <link:schemaRef
      xlink:href="https://xbrl.sec.gov/ffd/2025/ffd-2025.xsd"
      xlink:type="simple"/>
    <context id="AsOf2025-11-10">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000009631</identifier>
        </entity>
        <period>
            <startDate>2025-11-10</startDate>
            <endDate>2025-11-10</endDate>
        </period>
    </context>
    <unit id="USD">
        <measure>iso4217:USD</measure>
    </unit>
    <unit id="Shares">
        <measure>shares</measure>
    </unit>
    <unit id="USDPShares">
        <divide>
            <unitNumerator>
                <measure>iso4217:USD</measure>
            </unitNumerator>
            <unitDenominator>
                <measure>shares</measure>
            </unitDenominator>
        </divide>
    </unit>
    <unit id="Ratio">
        <measure>pure</measure>
    </unit>
    <dei:EntityCentralIndexKey contextRef="AsOf2025-11-10" id="Fact000003">0000009631</dei:EntityCentralIndexKey>
    <ffd:FormTp contextRef="AsOf2025-11-10" id="Fact000009">F-3</ffd:FormTp>
    <dei:EntityRegistrantName contextRef="AsOf2025-11-10" id="Fact000010">BANK OF NOVA SCOTIA</dei:EntityRegistrantName>
    <ffd:SubmissnTp contextRef="AsOf2025-11-10" id="Fact000011">424B2</ffd:SubmissnTp>
    <ffd:FeeExhibitTp contextRef="AsOf2025-11-10" id="Fact000012">EX-FILING FEES</ffd:FeeExhibitTp>
    <ffd:RegnFileNb contextRef="AsOf2025-11-10" id="Fact000013">333-282565</ffd:RegnFileNb>
    <ffd:FnlPrspctsFlg contextRef="AsOf2025-11-10" id="Fact000014">true</ffd:FnlPrspctsFlg>
    <ffd:OfferingTableNa contextRef="AsOf2025-11-10" id="Fact000015">N/A</ffd:OfferingTableNa>
    <ffd:OffsetTableNa contextRef="AsOf2025-11-10" id="Fact000016">N/A</ffd:OffsetTableNa>
    <ffd:CombinedProspectusTableNa contextRef="AsOf2025-11-10" id="Fact000017">N/A</ffd:CombinedProspectusTableNa>
    <ffd:NrrtvDsclsr contextRef="AsOf2025-11-10" id="Fact000018">The pricing supplement to which this Exhibit is attached is a final prospectus for the related offering.</ffd:NrrtvDsclsr>
    <ffd:NrrtvMaxAggtOfferingPric
      contextRef="AsOf2025-11-10"
      decimals="0"
      id="Fact000019"
      unitRef="USD">13561170</ffd:NrrtvMaxAggtOfferingPric>
</xbrl>
</XML>
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
