<SEC-DOCUMENT>0001839882-25-070126.txt : 20251209
<SEC-HEADER>0001839882-25-070126.hdr.sgml : 20251209
<ACCEPTANCE-DATETIME>20251209090831
ACCESSION NUMBER:		0001839882-25-070126
CONFORMED SUBMISSION TYPE:	424B2
PUBLIC DOCUMENT COUNT:		14
FILED AS OF DATE:		20251209
DATE AS OF CHANGE:		20251209

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:		251557757

	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_424b2-40996.htm
<DESCRIPTION>FORM 424B2
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                <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; ">&nbsp;</FONT></P>
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                <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 1.2; text-align: center; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 5.5pt; color: #FF0000; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
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                            <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; ">                                    <IMG width="164.82pt" height="23.87pt" src="image1.gif" style="width: 164.82pt; height: 23.87pt; ">
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                            <P style="line-height: 6.5pt; text-align: right; margin-top: 0; margin-bottom: 0; margin-left: -0.22pt; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 5.5pt; "><font style='white-space: pre-wrap;'>December 2025</font></FONT></P>
                            <P style="line-height: 6.5pt; text-align: right; margin-top: 0; margin-bottom: 0; margin-left: -0.22pt; "><FONT style="font-family: Arial, sans-serif; font-size: 5.5pt; "><font style='white-space: pre-wrap;'>Pricing Supplement</font></FONT></P>
                            <P style="line-height: 6.5pt; text-align: right; margin-top: 0; margin-bottom: 0; margin-left: -0.22pt; "><FONT style="font-family: Arial, sans-serif; font-size: 5.5pt; "><font style='white-space: pre-wrap;'>Dated December 5, 2025</font></FONT></P>
                            <P style="line-height: 6.5pt; text-align: right; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 5.5pt; "><font style='white-space: pre-wrap;'>Registration Statement No. 333-282565</font></FONT></P>
                            <P style="line-height: 6.5pt; text-align: right; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 5.5pt; "><font style='white-space: pre-wrap;'>Filed pursuant to Rule 424(b)(2)</font></FONT></P>
                            <P style="line-height: 6.5pt; text-align: right; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 5.5pt; "><font style='white-space: pre-wrap;'>(To Prospectus dated November 8, 2024,</font></FONT></P>
                            <P style="line-height: 6.5pt; text-align: right; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 5.5pt; "><font style='white-space: pre-wrap;'>Prospectus Supplement dated November 8, 2024,</font></FONT></P>
                            <P style="line-height: 6.5pt; text-align: right; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 5.5pt; "><font style='white-space: pre-wrap;'>Underlier Supplement dated November 8, 2024 and Product Supplement dated November 8, 2024</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 6.0pt; "><font style='white-space: pre-wrap;'>)</font></FONT></P>
                            <P style="line-height: 6.5pt; text-align: right; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; ">&nbsp;</FONT></P>
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                <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: normal; color: #286DC1; font-size: 11.0pt; "><font style='white-space: pre-wrap;'>STRUCTURED INVESTMENTS</font></FONT></P>
                <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; color: #286DC1; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>Opportunities in U.S. Equities</font></FONT></P>
                <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: normal; color: #286DC1; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>$11,359,000 Auto-Callable Trigger PLUS Based on the Value of the S&amp;P 500</font></FONT><FONT style="font-family: Arial, sans-serif; font-weight: normal; color: #286DC1; font-size: 7pt; vertical-align: super; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Arial, sans-serif; font-weight: normal; color: #286DC1; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> Index due December 9, 2027</font></FONT></P>
                <P style="text-align: left; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #7E7E7E; font-size: 7.5pt; "><font style='white-space: pre-wrap;'>Principal at Risk Securities</font></FONT></P>
                <P style="margin-top: 0.0pt; line-height: 7.0pt; text-align: justify; text-indent: 0.0pt; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 6.0pt; "><font style='white-space: pre-wrap;'>The Auto-Callable Trigger PLUS (the &#8220;securities&#8221;) do not provide for the regular payment of interest and do not guarantee any return of principal at maturity.  </font></FONT></P>
                <P style="margin-top: 0.0pt; line-height: 7.0pt; text-align: justify; text-indent: 0.0pt; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 6.0pt; "><font style='white-space: pre-wrap;'>The securities will be automatically redeemed if the index closing value on the determination date prior to the final determination date is greater than or equal to the initial index value, for an early redemption payment of $1,096.70 per security, as described below. No further payments will be made on the securities once they have been redeemed. At maturity, if the securities have not previously been redeemed and the final index value of the underlying index is greater than the initial index value, investors will receive the stated principal amount of their investment </font></FONT><FONT style="font-family: Arial, sans-serif; font-style: italic; font-size: 6.0pt; "><font style='white-space: pre-wrap;'>plus</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 6.0pt; "><font style='white-space: pre-wrap;'> the leveraged upside performance of the underlying index. If the final index value is less than or equal to the initial index value but greater than or equal to the trigger level, investors will receive the stated principal amount at maturity. However, if the final index value is less than the trigger level, investors will lose 1% for every 1% that the final index value falls below the initial index value. Under these circumstances, the payment at maturity will be significantly less than the stated principal amount and could be zero. </font></FONT><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 6.0pt; background-color: #FFFFFF; "><font style='white-space: pre-wrap;'>Accordingly, the securities do not guarantee any return of principal at maturity and you could lose a significant portion or all of your investment in the securities.</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 6.0pt; background-color: #FFFFFF; "><font style='white-space: pre-wrap;'> </font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 6.0pt; "><font style='white-space: pre-wrap;'>The securities are for investors who are willing to risk their principal and forgo current income in exchange for the possibility of receiving an early redemption payment or, if the securities have not previously been redeemed, the upside leverage feature that applies to a limited range of performance of the underlying index and the limited protection against loss that applies only if the final index value is greater than or equal to the trigger level. The securities are senior unsecured debt securities issued by The Bank of Nova Scotia (&#8220;BNS&#8221;). The securities are notes issued as part of BNS&#8217; Senior Note Program, Series A.</font></FONT><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 6.0pt; "><font style='white-space: pre-wrap;'> All payments on the securities are subject to the credit risk of BNS. If BNS were to default on its payment obligations, you may not receive any amounts owed to you under the securities and you could lose your entire investment in the securities. These securities are not secured obligations and you will not have any security interest in, or otherwise have any access to, any underlying reference asset or assets.</font></FONT></P>
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                        <TD colspan="5" style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; background-color: #0070C0; ">
                            <P style="margin-top: 0.0pt; margin-bottom: 0; margin-left: 0.00pt; text-indent: -0.00pt; "><!--[if IE]<FONT style="display: inline-block; width: 0.00pt; text-indent: -0.00pt; "><![endif]--><FONT style="display: inline-block; width: 0.00pt; text-indent: 0; text-align: left; font-family: Arial, sans-serif; font-weight: bold; color: #FFFFFF; font-size: 6.0pt; "></FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #FFFFFF; font-size: 6.0pt; "><font style='white-space: pre-wrap;'>SUMMARY TERMS</font></FONT></FONT></P>
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                            <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #0070C0; font-size: 6.0pt; "><font style='white-space: pre-wrap;'>Issuer:</font></FONT></P>
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                        <TD colspan="3" style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; background-color: #DEEAF6; ">
                            <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 6.0pt; "><font style='white-space: pre-wrap;'>The Bank of Nova Scotia (&#8220;BNS&#8221;)</font></FONT></P>
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                            <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #0070C0; font-size: 6.0pt; "><font style='white-space: pre-wrap;'>Issue:</font></FONT></P>
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                        <TD colspan="3" style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; ">
                            <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 6.0pt; "><font style='white-space: pre-wrap;'>Senior Note Program, Series A</font></FONT></P>
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                        <TD style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; background-color: #DEEAF6; ">
                            <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #0070C0; font-size: 6.0pt; "><font style='white-space: pre-wrap;'>Underlying index:</font></FONT></P>
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                        <TD colspan="3" style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; background-color: #DEEAF6; ">
                            <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 6.0pt; "><font style='white-space: pre-wrap;'>S&amp;P 500</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 5pt; vertical-align: super; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 6.0pt; "><font style='white-space: pre-wrap;'> Index (Bloomberg Ticker: &#8220;SPX&#8221;)</font></FONT></P>
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                        <TD style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; ">
                            <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #0070C0; font-size: 6.0pt; "><font style='white-space: pre-wrap;'>Aggregate principal amount:</font></FONT></P>
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                            <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 6.0pt; "><font style='white-space: pre-wrap;'>$11,359,000</font></FONT></P>
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                            <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #0070C0; font-size: 6.0pt; "><font style='white-space: pre-wrap;'>Stated principal amount:</font></FONT></P>
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                        <TD colspan="3" style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; background-color: #DEEAF6; ">
                            <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 6.0pt; "><font style='white-space: pre-wrap;'>$1,000.00 per security</font></FONT></P>
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                        <TD style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; ">
                            <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #0070C0; font-size: 6.0pt; "><font style='white-space: pre-wrap;'>Issue price:</font></FONT></P>
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                        <TD colspan="3" style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; ">
                            <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 6.0pt; "><font style='white-space: pre-wrap;'>$1,000.00 per security (see &#8220;Commissions and issue price&#8221; below)</font></FONT></P>
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                        <TD style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; background-color: #DEEAF6; ">
                            <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #0070C0; font-size: 6.0pt; "><font style='white-space: pre-wrap;'>Minimum investment:</font></FONT></P>
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                        <TD colspan="3" style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; background-color: #DEEAF6; ">
                            <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 6.0pt; "><font style='white-space: pre-wrap;'>$1,000.00 (1 security)</font></FONT></P>
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                            <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #0070C0; font-size: 6.0pt; "><font style='white-space: pre-wrap;'>Pricing date:</font></FONT></P>
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                            <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 6.0pt; "><font style='white-space: pre-wrap;'>December 5, 2025</font></FONT></P>
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                        <TD style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; background-color: #DEEAF6; ">
                            <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #0070C0; font-size: 6.0pt; "><font style='white-space: pre-wrap;'>Original issue date:</font></FONT></P>
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                        <TD colspan="3" style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; background-color: #DEEAF6; ">
                            <P style="text-align: justify; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 6.0pt; "><font style='white-space: pre-wrap;'>December 10, 2025 (3 business days after the pricing date). Under Rule 15c6-1 of the Securities Exchange Act of 1934, as amended, trades in the secondary market generally are required to settle in one business day (T+1), unless the parties to a trade expressly agree otherwise. Accordingly, purchasers who wish to trade the securities in the secondary market on any date prior to one business day before delivery of the securities will be required, by virtue of the fact that the securities initially will settle in three business days (T+3), to specify alternative settlement arrangements to prevent a failed settlement of the secondary market trade.</font></FONT></P>
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                            <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #0070C0; font-size: 6.0pt; "><font style='white-space: pre-wrap;'>Final determination date:</font></FONT></P>
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                        <TD colspan="3" style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; ">
                            <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 6.0pt; "><font style='white-space: pre-wrap;'>December 6, 2027, as noted below under &#8220;Determination dates, Early redemption dates and Early Redemption payment per security&#8221;</font></FONT></P>
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                        <TD style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; background-color: #DEEAF6; ">
                            <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #0070C0; font-size: 6.0pt; "><font style='white-space: pre-wrap;'>Maturity date:</font></FONT></P>
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                        <TD colspan="3" style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; background-color: #DEEAF6; ">
                            <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 6.0pt; "><font style='white-space: pre-wrap;'>December 9, 2027, subject to postponement in the event of a market disruption event, as described in the accompanying product supplement</font></FONT></P>
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                            <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #0070C0; font-size: 6.0pt; "><font style='white-space: pre-wrap;'>Early redemption:</font></FONT></P>
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                        <TD colspan="3" style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; ">
                            <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 6.0pt; "><font style='white-space: pre-wrap;'>If the index closing value of the underlying index on the determination date prior to the final determination date is greater than or equal to the initial index value, the securities will be automatically redeemed for the early redemption payment on the related early redemption date. No further payments will be made on the securities once they have been redeemed.</font></FONT></P>
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                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; background-color: #DEEAF6; ">
                            <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #0070C0; font-size: 6.0pt; "><font style='white-space: pre-wrap;'>Determination dates, Early redemption dates and Early redemption payment per security:</font></FONT></P>
                        </TD>
                        <TD colspan="3" style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; background-color: #DEEAF6; ">
                            <P style="text-align: justify; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 6.0pt; "><font style='white-space: pre-wrap;'>The early redemption payment will be an amount in cash per security for the determination date prior to the final determination date as set forth below.</font></FONT></P>
                            <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-style: italic; font-size: 6.0pt; "><font style='white-space: pre-wrap;'>No further payments will be made on the securities once they have been redeemed.</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; ">                        <IMG width="466.29pt" height="237.11pt" src="image02.gif" style="width: 480pt; height: 30pt; ">
                        </FONT></P>
                            <P style="margin-top: 3.3pt; text-indent: -9.9pt; padding-left: 12.21pt; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 6.0pt; "><font style='white-space: pre-wrap;'>*</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 6.0pt; width: 7.43pt; display: inline-block; ">&nbsp;</FONT><FONT style="font-family: Arial, sans-serif; font-size: 6.0pt; "></FONT><FONT style="font-family: Arial, sans-serif; font-style: italic; font-size: 6.0pt; "><font style='white-space: pre-wrap;'>Subject</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 8.0pt; "></FONT><FONT style="font-family: Arial, sans-serif; font-style: italic; font-size: 6.0pt; "><font style='white-space: pre-wrap;'> to postponement for non-trading days and certain market disruption events (as described under &#8220;General Terms of the Notes &#8212; Market Disruption Events&#8221; and &#8220;&#8212; Valuation Dates&#8221; in the accompanying product supplement).</font></FONT></P>
                        </TD>
                        <TD>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; ">
                            <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #0070C0; font-size: 6.0pt; "><font style='white-space: pre-wrap;'>Payment at maturity per security:</font></FONT></P>
                        </TD>
                        <TD colspan="3" style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; ">
                            <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 6.0pt; "><font style='white-space: pre-wrap;'>If the securities are not automatically redeemed prior to maturity, you will receive at maturity a cash payment per security as follows:</font></FONT></P>
                            <P style="margin-top: 1.1pt; text-indent: -19.41pt; padding-left: 19.8pt; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; color: #4F81BD; font-size: 6.0pt; ">&#65517;</FONT><FONT style="font-family: Arial, sans-serif; font-size: 6.0pt; width: 16.50pt; display: inline-block; ">&nbsp;</FONT><FONT style="font-family: Arial, sans-serif; font-size: 6.0pt; "></FONT><FONT style="font-family: Arial, sans-serif; font-size: 6.0pt; "><font style='white-space: pre-wrap;'>If</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 8.0pt; "></FONT><FONT style="font-family: Arial, sans-serif; font-size: 6.0pt; "><font style='white-space: pre-wrap;'> the final index value is </font></FONT><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 6.0pt; "><font style='white-space: pre-wrap;'>greater than</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 6.0pt; "><font style='white-space: pre-wrap;'> the initial index value:</font></FONT></P>
                            <P style="margin-top: 1.1pt; text-indent: 0.06pt; text-align: center; margin-bottom: 0; margin-left: -6.33pt; "><FONT style="font-family: Arial, sans-serif; font-style: italic; font-size: 6.0pt; "><font style='white-space: pre-wrap;'>$1,000.00 + leveraged upside payment</font></FONT></P>
                            <P style="margin-top: 1.1pt; text-indent: -19.41pt; padding-left: 19.8pt; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; color: #4F81BD; font-size: 6.0pt; ">&#65517;</FONT><FONT style="font-family: Arial, sans-serif; font-size: 6.0pt; width: 16.50pt; display: inline-block; ">&nbsp;</FONT><FONT style="font-family: Arial, sans-serif; font-size: 6.0pt; "></FONT><FONT style="font-family: Arial, sans-serif; font-size: 6.0pt; "><font style='white-space: pre-wrap;'>If</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 8.0pt; "></FONT><FONT style="font-family: Arial, sans-serif; font-size: 6.0pt; "><font style='white-space: pre-wrap;'> the final index value is</font></FONT><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-style: italic; font-size: 6.0pt; "><font style='white-space: pre-wrap;'> </font></FONT><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 6.0pt; "><font style='white-space: pre-wrap;'>less than or equal to</font></FONT><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-style: italic; font-size: 6.0pt; "><font style='white-space: pre-wrap;'> </font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 6.0pt; "><font style='white-space: pre-wrap;'>the initial index value but</font></FONT><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-style: italic; font-size: 6.0pt; "><font style='white-space: pre-wrap;'> </font></FONT><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 6.0pt; "><font style='white-space: pre-wrap;'>greater than or equal to </font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 6.0pt; "><font style='white-space: pre-wrap;'>the trigger level:</font></FONT></P>
                            <P style="margin-top: 1.1pt; text-indent: 0.06pt; text-align: center; margin-bottom: 0; margin-left: -6.33pt; "><FONT style="font-family: Arial, sans-serif; font-style: italic; font-size: 6.0pt; "><font style='white-space: pre-wrap;'>$1,000.00 </font></FONT></P>
                            <P style="margin-top: 1.1pt; text-indent: -19.41pt; padding-left: 19.8pt; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; color: #4F81BD; font-size: 6.0pt; ">&#65517;</FONT><FONT style="font-family: Arial, sans-serif; font-size: 6.0pt; width: 16.50pt; display: inline-block; ">&nbsp;</FONT><FONT style="font-family: Arial, sans-serif; font-size: 6.0pt; "></FONT><FONT style="font-family: Arial, sans-serif; font-size: 6.0pt; width: 0.00pt; display: inline-block; ">&nbsp;</FONT><FONT style="font-family: Arial, sans-serif; font-size: 6.0pt; "></FONT><FONT style="font-family: Arial, sans-serif; font-size: 6.0pt; "><font style='white-space: pre-wrap;'>If</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 8.0pt; "></FONT><FONT style="font-family: Arial, sans-serif; font-size: 6.0pt; "><font style='white-space: pre-wrap;'> the final index value is </font></FONT><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 6.0pt; "><font style='white-space: pre-wrap;'>less than </font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 6.0pt; "><font style='white-space: pre-wrap;'>the trigger level:</font></FONT></P>
                            <P style="margin-top: 1.1pt; text-indent: 0.06pt; text-align: center; margin-bottom: 0; margin-left: -6.33pt; "><FONT style="font-family: Arial, sans-serif; font-style: italic; font-size: 6.0pt; "><font style='white-space: pre-wrap;'>$1,000.00 + ($1,000.00 &#215; underlying return) </font></FONT></P>
                            <P style="margin-top: 1.1pt; text-indent: -1.16pt; padding-left: 19.8pt; text-align: justify; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-style: italic; font-size: 6.0pt; "><font style='white-space: pre-wrap;'>If the final index value is less than the trigger level, you will lose 1% for every 1% that the final index value falls below the initial index value and you could lose up to your entire investment in the securities.</font></FONT></P>
                        </TD>
                        <TD>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; background-color: #DEEAF6; ">
                            <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #0070C0; font-size: 6.0pt; "><font style='white-space: pre-wrap;'>Underlying return:</font></FONT></P>
                        </TD>
                        <TD colspan="3" style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; background-color: #DEEAF6; ">
                            <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 6.0pt; "><font style='white-space: pre-wrap;'>(final index value &#8722; initial index value) / initial index value </font></FONT></P>
                        </TD>
                        <TD>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; ">
                            <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #0070C0; font-size: 6.0pt; "><font style='white-space: pre-wrap;'>Leverage factor:</font></FONT></P>
                        </TD>
                        <TD colspan="3" style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; ">
                            <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 6.0pt; "><font style='white-space: pre-wrap;'>125.00% (applicable only if the securities are not automatically redeemed prior to maturity and the final index value is greater than the initial index value)</font></FONT></P>
                        </TD>
                        <TD>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; background-color: #DEEAF6; ">
                            <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #0070C0; font-size: 6.0pt; "><font style='white-space: pre-wrap;'>Leveraged upside payment:</font></FONT></P>
                        </TD>
                        <TD colspan="3" style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; background-color: #DEEAF6; ">
                            <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 6.0pt; "><font style='white-space: pre-wrap;'>$1,000.00 &#215; leverage factor &#215; underlying return</font></FONT></P>
                        </TD>
                        <TD>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; ">
                            <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #0070C0; font-size: 6.0pt; "><font style='white-space: pre-wrap;'>Trigger level:</font></FONT></P>
                        </TD>
                        <TD colspan="3" style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; ">
                            <P style="text-align: justify; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 6.0pt; "><font style='white-space: pre-wrap;'>5,496.32, which is equal to 80% of the initial index value</font></FONT></P>
                        </TD>
                        <TD>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; background-color: #DEEAF6; ">
                            <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #0070C0; font-size: 6.0pt; "><font style='white-space: pre-wrap;'>Initial index value:</font></FONT></P>
                        </TD>
                        <TD colspan="3" style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; background-color: #DEEAF6; ">
                            <P style="text-align: justify; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 6.0pt; "><font style='white-space: pre-wrap;'>6,870.40, which is equal to the index closing value of the underlying index on the pricing date, as determined by the calculation agent and as may be adjusted as described under &#8220;General Terms of the Notes &#8212; Unavailability of the Closing Value of a Reference Asset; Adjustments to a Reference Asset &#8212; Unavailability of the Closing Value of a Reference Index; Alternative Calculation Methodology&#8221;, as described in the accompanying product supplement.</font></FONT></P>
                        </TD>
                        <TD>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; ">
                            <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #0070C0; font-size: 6.0pt; "><font style='white-space: pre-wrap;'>Final index value:</font></FONT></P>
                        </TD>
                        <TD colspan="3" style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; ">
                            <P style="text-align: justify; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 6.0pt; "><font style='white-space: pre-wrap;'>The index closing value of the underlying index on the final determination date, as determined by the calculation agent and as may be adjusted as described under &#8220;General Terms of the Notes &#8212; Unavailability of the Closing Value of a Reference Asset; Adjustments to a Reference Asset &#8212; Unavailability of the Closing Value of a Reference Index; Alternative Calculation Methodology&#8221;, as described in the accompanying product supplement.</font></FONT></P>
                        </TD>
                        <TD>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; background-color: #DEEAF6; ">
                            <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #0070C0; font-size: 6.0pt; "><font style='white-space: pre-wrap;'>CUSIP/ISIN:</font></FONT></P>
                        </TD>
                        <TD colspan="3" style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; background-color: #DEEAF6; ">
                            <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 6.0pt; "><font style='white-space: pre-wrap;'>06419HGS7 / US06419HGS76</font></FONT></P>
                        </TD>
                        <TD>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; ">
                            <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #0070C0; font-size: 6.0pt; "><font style='white-space: pre-wrap;'>Listing:</font></FONT></P>
                        </TD>
                        <TD colspan="3" style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; ">
                            <P style="text-align: justify; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 6.0pt; "><font style='white-space: pre-wrap;'>The securities will not be listed or displayed on any securities exchange or any electronic communications network.</font></FONT></P>
                        </TD>
                        <TD>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; min-height: 10.89pt; ">
                        <TD style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; background-color: #DEEAF6; ">
                            <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #0070C0; font-size: 6.0pt; "><font style='white-space: pre-wrap;'>Calculation agent:</font></FONT></P>
                        </TD>
                        <TD colspan="3" style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; background-color: #DEEAF6; ">
                            <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 6.0pt; "><font style='white-space: pre-wrap;'>Scotia Capital Inc.</font></FONT></P>
                        </TD>
                        <TD>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; min-height: 10.89pt; ">
                        <TD style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; ">
                            <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #0070C0; font-size: 6.0pt; "><font style='white-space: pre-wrap;'>Agent:</font></FONT></P>
                        </TD>
                        <TD colspan="3" style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; ">
                            <P style="text-align: justify; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 6.0pt; width: 0.82pt; display: inline-block; ">&nbsp;</FONT><FONT style="font-family: Arial, sans-serif; font-size: 6.0pt; "></FONT><FONT style="font-family: Arial, sans-serif; font-size: 6.0pt; "><font style='white-space: pre-wrap;'>Scotia</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 8.0pt; "></FONT><FONT style="font-family: Arial, sans-serif; font-size: 6.0pt; "><font style='white-space: pre-wrap;'> Capital (USA) Inc. (&#8220;SCUSA&#8221;), an affiliate of BNS. See &#8220;Supplemental information regarding plan of distribution (conflicts of interest); secondary markets (if any).&#8221;</font></FONT></P>
                        </TD>
                        <TD>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; min-height: 10.89pt; ">
                        <TD style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; background-color: #DEEAF6; ">
                            <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #0070C0; font-size: 6.0pt; "><font style='white-space: pre-wrap;'>Estimated value on the pricing </font></FONT><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #0070C0; font-size: 6.0pt; "><font style='white-space: pre-wrap;'>date</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 8.0pt; "></FONT><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #0070C0; font-size: 6.0pt; "><font style='white-space: pre-wrap;'>:</font></FONT><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #0070C0; font-size: 6.0pt; width: 0.00pt; display: inline-block; ">&nbsp;</FONT><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #0070C0; font-size: 6.0pt; "><font style='white-space: pre-wrap;'> </font></FONT></P>
                        </TD>
                        <TD colspan="3" style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; background-color: #DEEAF6; ">
                            <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 6.0pt; width: 0.82pt; display: inline-block; ">&nbsp;</FONT><FONT style="font-family: Arial, sans-serif; font-size: 6.0pt; "></FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 8.0pt; "></FONT><FONT style="font-family: Arial, sans-serif; font-size: 6.0pt; "><font style='white-space: pre-wrap;'>$973.90 per stated principal amount, which is less than the issue price listed above. See &#8220;Additional Information About the Securities &#8212; Additional information regarding estimated value of the securities&#8221; herein and &#8220;Risk Factors &#8212; Risks Relating to Estimated Value and Liquidity&#8221; beginning on page 10 of this document for additional information. The actual value of your securities at any time will reflect many factors and cannot be predicted with accuracy.</font></FONT></P>
                        </TD>
                        <TD>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; ">
                            <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #286DC1; font-size: 6.0pt; "><font style='white-space: pre-wrap;'>Commissions and issue price:</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; ">
                            <P style="text-align: center; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #286DC1; font-size: 6.0pt; "><font style='white-space: pre-wrap;'>Price to Public</font></FONT><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #286DC1; font-size: 5pt; vertical-align: super; "><font style='white-space: pre-wrap;'>(1)</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; ">
                            <P style="text-align: center; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #286DC1; font-size: 6.0pt; "><font style='white-space: pre-wrap;'>Fees and Commissions</font></FONT><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #286DC1; font-size: 5pt; vertical-align: super; "><font style='white-space: pre-wrap;'>(1)</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; ">
                            <P style="text-align: center; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #286DC1; font-size: 6.0pt; "><font style='white-space: pre-wrap;'>Proceeds to Issuer</font></FONT></P>
                        </TD>
                        <TD>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; ">
                            <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #286DC1; font-size: 6.0pt; width: 39.60pt; display: inline-block; ">&nbsp;</FONT><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #286DC1; font-size: 6.0pt; "></FONT><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #286DC1; font-size: 6.0pt; "><font style='white-space: pre-wrap;'>Per</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 8.0pt; "></FONT><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #286DC1; font-size: 6.0pt; "><font style='white-space: pre-wrap;'> Security:</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; ">
                            <P style="text-align: center; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 6.0pt; "><font style='white-space: pre-wrap;'>$1,000.00</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; ">
                            <P style="text-align: center; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; color: black; font-size: 6.0pt; text-decoration: none; display: inline-block; "><font style='white-space: pre-wrap;'>    $20.00</font></FONT><FONT style="font-family: Arial, sans-serif; color: black; font-size: 5pt; text-decoration: none; display: inline-block; vertical-align: super; "><font style='white-space: pre-wrap;'>(a) &#8203;</font></FONT></P>
                            <P style="line-height: 1.03; text-align: center; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; color: black; font-size: 6.0pt; text-decoration: none; display: inline-block; "><font style='white-space: pre-wrap;'>+   &#8203;</font></FONT><FONT style="font-family: Arial, sans-serif; color: black; font-size: 6.0pt; text-decoration-style: solid; text-decoration-line: underline; "><U><font style='white-space: pre-wrap;'>$</font></U><U><font style='white-space: pre-wrap;'>5.00</font></U></FONT><FONT style="font-family: Arial, sans-serif; color: black; font-size: 5pt; text-decoration-style: solid;  vertical-align: super; "><font style='white-space: pre-wrap;'>(b)</font></FONT></P>
                            <P style="line-height: 1.03; text-align: center; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; color: black; font-size: 6.0pt; text-decoration: none; display: inline-block; "><font style='white-space: pre-wrap;'> $25.00</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; ">
                            <P style="text-align: center; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 6.0pt; "><font style='white-space: pre-wrap;'>$975.00</font></FONT></P>
                        </TD>
                        <TD>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; ">
                            <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #286DC1; font-size: 6.0pt; width: 39.60pt; display: inline-block; ">&nbsp;</FONT><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #286DC1; font-size: 6.0pt; "></FONT><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #286DC1; font-size: 6.0pt; "><font style='white-space: pre-wrap;'>Total</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 8.0pt; "></FONT><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #286DC1; font-size: 6.0pt; "><font style='white-space: pre-wrap;'>:</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; ">
                            <P style="text-align: center; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 6.0pt; "><font style='white-space: pre-wrap;'>$11,359,000.00</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; ">
                            <P style="text-align: center; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 6.0pt; "><font style='white-space: pre-wrap;'>$283,975.</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 6.0pt; "><font style='white-space: pre-wrap;'>00</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 8.0pt; "></FONT><FONT style="font-family: Arial, sans-serif; font-size: 6.0pt; width: 0.00pt; display: inline-block; ">&nbsp;</FONT><FONT style="font-family: Arial, sans-serif; font-size: 6.0pt; "></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; ">
                            <P style="text-align: center; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 6.0pt; "><font style='white-space: pre-wrap;'>$11,075,025.00</font></FONT></P>
                        </TD>
                        <TD>
                        </TD>
                    </TR>
                </TABLE>
                <P style="margin-top: 1.1pt; line-height: 1.03; text-align: justify; margin-bottom: 0; margin-left: 9.90pt; text-indent: -14.85pt; "><!--[if IE]<FONT style="display: inline-block; width: 14.85pt; text-indent: -14.85pt; "><![endif]--><FONT style="display: inline-block; width: 14.85pt; text-indent: 0; text-align: left; font-family: Arial, sans-serif; font-size: 6.5pt; font-style: italic; ">(1)</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-style: italic; font-size: 6.0pt; "></FONT><FONT style="font-family: Arial, sans-serif; font-style: italic; font-size: 6.0pt; "><font style='white-space: pre-wrap;'>SCUSA</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 8.0pt; "></FONT><FONT style="font-family: Arial, sans-serif; font-style: italic; font-size: 6.0pt; "><font style='white-space: pre-wrap;'> has agreed to purchase the securities at the stated principal amount and, as part of the distribution of the securities, has agreed to sell all of the securities to Morgan Stanley Smith Barney LLC (&#8220;Morgan Stanley Wealth Management&#8221;) at </font></FONT><FONT style="font-family: Arial, sans-serif; font-style: italic; color: black; font-size: 6.0pt; text-decoration: none; "><font style='white-space: pre-wrap;'>an underwriting</font></FONT><FONT style="font-family: Arial, sans-serif; font-style: italic; font-size: 6.0pt; "><font style='white-space: pre-wrap;'> discount which reflects:</font></FONT></FONT></P>
                <P style="margin-top: 1.1pt; line-height: 1.03; text-align: justify; margin-bottom: 0; margin-left: 39.60pt; text-indent: -24.75pt; "><!--[if IE]<FONT style="display: inline-block; width: 24.75pt; text-indent: -24.75pt; "><![endif]--><FONT style="display: inline-block; width: 24.75pt; text-indent: 0; text-align: left; font-family: Arial, sans-serif; font-style: italic; font-size: 6.0pt; ">(a)</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-style: italic; font-size: 6.0pt; "><font style='white-space: pre-wrap;'> </font></FONT><FONT style="font-family: Arial, sans-serif; font-style: italic; font-size: 6.0pt; "><font style='white-space: pre-wrap;'>a</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 8.0pt; "></FONT><FONT style="font-family: Arial, sans-serif; font-style: italic; color: black; font-size: 6.0pt; text-decoration: none; "><font style='white-space: pre-wrap;'> &#8203;</font></FONT><FONT style="font-family: Arial, sans-serif; font-style: italic; font-size: 6.0pt; "><font style='white-space: pre-wrap;'>fixed sales commission of $20.00 per $1,000.00 stated principal amount of securities that Morgan Stanley Wealth Management sells and</font></FONT></FONT></P>
                <P style="margin-top: 1.1pt; line-height: 1.03; text-align: justify; margin-bottom: 0; margin-left: 39.60pt; text-indent: -24.75pt; "><!--[if IE]<FONT style="display: inline-block; width: 24.75pt; text-indent: -24.75pt; "><![endif]--><FONT style="display: inline-block; width: 24.75pt; text-indent: 0; text-align: left; font-family: Arial, sans-serif; font-style: italic; font-size: 6.0pt; ">(b)</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-style: italic; font-size: 6.0pt; "></FONT><FONT style="font-family: Arial, sans-serif; font-style: italic; font-size: 6.0pt; "><font style='white-space: pre-wrap;'>a</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 8.0pt; "></FONT><FONT style="font-family: Arial, sans-serif; font-style: italic; font-size: 6.0pt; "><font style='white-space: pre-wrap;'> fixed structuring fee of $5.00 per $1,000.00 stated principal amount of securities that Morgan Stanley Wealth Management sells, </font></FONT></FONT></P>
                <P style="margin-top: 1.1pt; line-height: 1.03; text-indent: -24.75pt; padding-left: 39.6pt; text-align: justify; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-style: italic; font-size: 6.0pt; "><font style='white-space: pre-wrap;'>each payable to Morgan Stanley Wealth Management. See &#8220;Additional Information About the Securities &#8212; Supplemental information regarding plan of distribution (conflicts of interest); secondary markets (if any)&#8221; herein.     </font></FONT></P>
                <P style="margin-top: 1.1pt; line-height: 1.2; text-align: justify; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 6.0pt; "><font style='white-space: pre-wrap;'>The securities involve risks not associated with an investment in ordinary debt securities. See &#8220;Risk Factors&#8221; beginning on page 8.</font></FONT></P>
                <P style="margin-top: 1.1pt; line-height: 1.2; text-align: justify; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 6.0pt; "><font style='white-space: pre-wrap;'>Neither the Securities and Exchange Commission nor any other regulatory body has approved or disapproved of these securities or passed upon the accuracy or adequacy of this document, the accompanying product supplement, the underlier supplement, the prospectus supplement or the prospectus. Any representation to the contrary is a criminal offense.</font></FONT></P>
                <P style="margin-top: 1.1pt; line-height: 7.0pt; text-align: justify; text-indent: 0.0pt; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 6.0pt; "><font style='white-space: pre-wrap;'>The securities are not insured by the Canada Deposit Insurance Corporation (the &#8220;CDIC&#8221;) pursuant to the Canada Deposit Insurance Corporation Act (the &#8220;CDIC Act&#8221;) or the U.S. Federal Deposit Insurance Corporation or any other government agency of Canada, the U.S. or any other jurisdiction. The securities are not bail-inable debt securities under the CDIC Act.</font></FONT></P>
                <P style="margin-top: 1.1pt; line-height: 7.0pt; text-align: justify; text-indent: 0.0pt; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 6.0pt; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
                <TABLE width="100.86%" style="margin-left: 0.0pt; width: 100.86%; table-layout: fixed; border-collapse: collapse; ">
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                        </TD>
                        <TD width="27.50%" style="width: 27.50%; border: 0; margin: 0; padding: 0; height: 0; ">
                        </TD>
                        <TD width="27.50%" style="width: 27.50%; border: 0; margin: 0; padding: 0; height: 0; ">
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                    <TR style="vertical-align: top; min-height: 3.19pt; ">
                        <TD style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 0.0pt; vertical-align: middle; ">
                            <P style="line-height: 7.0pt; text-align: center; margin-top: 0; margin-bottom: 0; "><A href="http://www.sec.gov/Archives/edgar/data/9631/000183988224038316/bns_424b2-21309.htm" style="word-break: break-all; "><FONT style="font-family: Arial, sans-serif; font-size: 6.0pt; color: #0000FF; text-decoration-style: solid; text-decoration-line: underline; "><U><font style='white-space: pre-wrap;'>Product supplement dated November 8, 2024</font></U></FONT></A></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 0.0pt; vertical-align: middle; ">
                            <P style="line-height: 7.0pt; text-align: center; margin-top: 0; margin-bottom: 0; "><A href="http://www.sec.gov/Archives/edgar/data/9631/000183988224038308/bns_424b2-21314.htm" style="word-break: break-all; "><FONT style="font-family: Arial, sans-serif; font-size: 6.0pt; color: #0000FF; text-decoration-style: solid; text-decoration-line: underline; "><U><font style='white-space: pre-wrap;'>Underlier supplement dated November 8, 2024</font></U></FONT></A></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 0.0pt; vertical-align: middle; ">
                            <P style="line-height: 7.0pt; text-align: center; margin-top: 0; 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; font-size: 6.0pt; color: #0000FF; text-decoration-style: solid; text-decoration-line: underline; "><U><font style='white-space: pre-wrap;'>Prospectus supplement dated November 8, 2024</font></U></FONT></A></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 0.0pt; vertical-align: middle; ">
                            <P style="line-height: 7.0pt; text-align: center; margin-top: 0; 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; font-size: 6.0pt; color: #0000FF; text-decoration-style: solid; text-decoration-line: underline; "><U><font style='white-space: pre-wrap;'>Prospectus dated November 8, 2024</font></U></FONT></A></P>
                        </TD>
                    </TR>
                </TABLE>
            </DIV>
            <DIV style="width: 618.37pt; padding: 0 30.09pt 15.84pt 24.75pt; min-height: 0.00pt; position: relative; ">
                <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; ">&nbsp;</FONT></P>
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        </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: 514.80pt; padding: 23.76pt 79.20pt 0 79.20pt; min-height: 15.84pt; position: relative; ">
                <TABLE width="100.00%" style="margin-left: -0.55pt; width: 100.00%; table-layout: fixed; border-collapse: collapse; ">
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                        <TD width="110.00%" style="width: 110.00%; border: 0; margin: 0; padding: 0; height: 0; ">
                        </TD>
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                        <TD style="padding-top: 0.0pt; padding-left: 0.55pt; padding-right: 0.55pt; padding-bottom: 0.0pt; ">
                            <P style="text-align: right; margin-top: 0; margin-bottom: 0; "><FONT style="font-size: 4.5pt; font-family: Arial, sans-serif; color: #888888; ">                                    <IMG width="166.59pt" height="23.87pt" src="image1.gif" style="width: 166.59pt; height: 23.87pt; ">
                                    </FONT></P>
&nbsp;
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 0.55pt; padding-right: 0.55pt; padding-bottom: 0.0pt; border-bottom:  1.00pt solid #296DC1; border-top:  1.00pt solid #296DC1; ">
                            <P style="margin-top: 0; margin-bottom: 0; "><FONT style="color: #296DC1; font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>$11,359,000 Auto-Callable Trigger PLUS Based on the Value of the S&amp;P 500</font></FONT><FONT style="color: #296DC1; vertical-align: super; font-family: Arial, sans-serif; font-size: 7pt; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="color: #296DC1; font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> Index due December 9, 2027</font></FONT></P>
                            <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; color: #808080; font-size: 8.0pt; font-weight: bold; "><font style='white-space: pre-wrap;'>Trigger Performance Leveraged Upside Securities</font></FONT><FONT style="font-family: Arial, sans-serif; color: #808080; font-size: 6pt; vertical-align: super; font-weight: bold; "><font style='white-space: pre-wrap;'>SM</font></FONT></P>
                            <P style="margin-top: 0; margin-bottom: 0; "><FONT style="color: #808080; font-size: 7.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>Principal at Risk Securities</font></FONT></P>
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                </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: 514.80pt; padding: 10pt 79.20pt 10pt 79.20pt; position: relative; margin-bottom: 20pt; ">
                <P style="margin-top: 11.0pt; margin-bottom: 6.6pt; "><FONT style="font-family: Arial, sans-serif; font-size: 13.5pt; color: #296DC1; "><font style='white-space: pre-wrap;'>Additional Information About BNS and the Securities </font></FONT></P>
                <P style="text-indent: 0.0pt; margin-top: 11.0pt; text-align: justify; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>You should read this pricing supplement together with the prospectus dated November 8, 2024, as supplemented by the prospectus supplement dated November 8, 2024, the underlier supplement dated November 8, 2024 and the product supplement (Market-Linked Notes, Series A) dated November 8, 2024, relating to our Senior Note Program, Series A, of which these securities are a part. Capitalized terms used but not defined in this pricing supplement will have the meanings given to them in the product supplement.</font></FONT></P>
                <P style="text-indent: 0.0pt; margin-top: 11.0pt; text-align: justify; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>The securities may vary from the terms described in the accompanying prospectus, prospectus supplement, underlier supplement and product supplement in several important ways. You should read this pricing supplement carefully, including the documents incorporated by reference herein. In the event of any conflict between this pricing supplement and any of the foregoing, the following hierarchy will govern: first, this pricing supplement; second, the accompanying product supplement; third, the accompanying underlier supplement; fourth, the accompanying prospectus supplement; and last, the accompanying prospectus. You may access these documents on the SEC website at www.sec.gov as follows (or if that address has changed, by reviewing our filings for the relevant date on the SEC website).</font></FONT></P>
                <P style="text-indent: 0.0pt; margin-top: 11.0pt; text-align: justify; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>This pricing supplement, together with the documents listed below, contains the terms of the securities and supersedes all prior or contemporaneous oral statements as well as any other written materials including preliminary or indicative pricing terms, correspondence, trade ideas, structures for implementation, sample structures, brochures or other educational materials of ours. You should carefully consider, among other things, the matters set forth in &#8220;Risk Factors&#8221; herein, in &#8220;Additional Risk Factors Specific to the Notes&#8221; of the accompanying product supplement and in &#8220;Risk Factors&#8221; of the accompanying prospectus supplement and of the accompanying prospectus, as the securities involve risks not associated with conventional debt securities. </font></FONT></P>
                <P style="text-indent: 0.0pt; margin-top: 11.0pt; text-align: justify; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>We urge you to consult your investment, legal, tax, accounting and other advisors concerning an investment in the securities in light of your particular circumstances.</font></FONT></P>
                <P style="margin-top: 6.6pt; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>You may access these documents on the SEC website at www.sec.gov as follows:</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; font-family: Arial, sans-serif; font-weight: normal; font-style: normal; color: #296DC1; font-size: 5.0pt; ">&#9632;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-style: italic; font-size: 6.5pt; "></FONT><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>Product</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 8.0pt; "></FONT><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; "><font style='white-space: pre-wrap;'> Supplement (Market-Linked Notes, Series A) dated November 8, 2024:</font><BR></FONT><A href="http://www.sec.gov/Archives/edgar/data/9631/000183988224038316/bns_424b2-21309.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: 8.0pt; "><U><font style='white-space: pre-wrap;'>http://www.sec.gov/Archives/edgar/data/9631/000183988224038316/bns_424b2-21309.htm</font></U></FONT></A><FONT style="font-family: Arial, sans-serif; color: #0000FF; text-decoration-style: solid; text-decoration-line: underline; font-size: 8.0pt; "><U><font style='white-space: pre-wrap;'> </font></U></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; font-family: Arial, sans-serif; font-weight: normal; font-style: normal; color: #296DC1; font-size: 5.0pt; ">&#9632;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-style: italic; font-size: 6.5pt; "></FONT><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>Underlier</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 8.0pt; "></FONT><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; "><font style='white-space: pre-wrap;'> Supplement dated November 8, 2024:</font></FONT></FONT></P>
                <P style="margin-top: 0.0pt; padding-left: 19.8pt; margin-bottom: 0; "><A href="http://www.sec.gov/Archives/edgar/data/9631/000183988224038308/bns_424b2-21314.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: 8.0pt; "><U><font style='white-space: pre-wrap;'>http://www.sec.gov/Archives/edgar/data/9631/000183988224038308/bns_424b2-21314.htm</font></U></FONT></A><FONT style="font-family: Arial, sans-serif; color: #0000FF; text-decoration-style: solid; text-decoration-line: underline; font-size: 8.0pt; "><U><font style='white-space: pre-wrap;'> </font></U></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; font-family: Arial, sans-serif; font-weight: normal; font-style: normal; color: #296DC1; font-size: 5.0pt; ">&#9632;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-style: italic; font-size: 6.5pt; "></FONT><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>Prospectus</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 8.0pt; "></FONT><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; "><font style='white-space: pre-wrap;'> Supplement dated November 8, 2024:</font></FONT></FONT></P>
                <P style="margin-top: 0.0pt; 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: 8.0pt; "><U><font style='white-space: pre-wrap;'>http://www.sec.gov/Archives/edgar/data/9631/000183988224038303/bns_424b3-21311.htm</font></U></FONT></A><FONT style="font-family: Arial, sans-serif; color: #0000FF; text-decoration-style: solid; text-decoration-line: underline; font-size: 8.0pt; "><U><font style='white-space: pre-wrap;'> </font></U></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; font-family: Arial, sans-serif; font-weight: normal; font-style: normal; color: #296DC1; font-size: 5.0pt; ">&#9632;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-style: italic; font-size: 6.5pt; "></FONT><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>Prospectus</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 8.0pt; "></FONT><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; "><font style='white-space: pre-wrap;'> dated November 8, 2024: </font><BR></FONT><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: 8.0pt; "><U><font style='white-space: pre-wrap;'>http://www.sec.gov/Archives/edgar/data/9631/000119312524253771/d875135d424b3.htm</font></U></FONT></A><FONT style="font-family: Arial, sans-serif; color: #0000FF; text-decoration-style: solid; text-decoration-line: underline; font-size: 8.0pt; "><U><font style='white-space: pre-wrap;'> </font></U></FONT></FONT></P>
                <P style="text-indent: 0.0pt; margin-top: 11.0pt; text-align: justify; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-style: italic; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>References to &#8220;BNS&#8221;, &#8220;we&#8221;, &#8220;our&#8221; and &#8220;us&#8221; refer only to The Bank of Nova Scotia and not to its consolidated subsidiaries and references to the &#8220;Auto-Callable Trigger PLUS&#8221; or the &#8220;securities&#8221; refer to the securities that are offered hereby. Also, references to the &#8220;accompanying product supplement&#8221; mean the BNS product supplement, dated November 8, 2024, references to the &#8220;accompanying underlier supplement&#8221; mean the BNS underlier supplement, dated November 8, 2024, references to the &#8220;accompanying prospectus supplement&#8221; mean the BNS prospectus supplement, dated November 8, 2024 and references to the &#8220;accompanying prospectus&#8221; mean the BNS prospectus, dated November 8, 2024.</font></FONT></P>
                <P style="text-indent: 0.0pt; margin-top: 11.0pt; text-align: justify; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>BNS reserves the right to change the terms of, or reject any offer to purchase, the securities prior to their issuance. In the event of any changes to the terms of the securities, BNS will notify you and you will be asked to accept such changes in connection with your purchase. You may also choose to reject such changes in which case BNS may reject your offer to purchase.</font></FONT></P>
                <P style="text-indent: 0.0pt; margin-top: 11.0pt; text-align: justify; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>&#8220;Trigger Performance Leveraged Upside Securities</font></FONT><FONT style="font-family: Arial, sans-serif; vertical-align: super; font-size: 6pt; "><font style='white-space: pre-wrap;'>SM</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>&#8221; and &#8220;Trigger PLUS</font></FONT><FONT style="font-family: Arial, sans-serif; vertical-align: super; font-size: 6pt; "><font style='white-space: pre-wrap;'>SM</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>&#8221; are service marks of Morgan Stanley.</font></FONT></P>
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                <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; color: #296DC1; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>December 2025</font></FONT><FONT style="font-family: Arial, sans-serif; color: #296DC1; font-size: 8.0pt; width: 400pt; display: inline-block; ">&nbsp;</FONT><FONT style="font-family: Arial, sans-serif; color: #296DC1; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>Page </font><FONT>2</FONT></FONT></P>
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                            <P style="text-align: right; margin-top: 0; margin-bottom: 0; "><FONT style="font-size: 4.5pt; font-family: Arial, sans-serif; color: #888888; ">                                    <IMG width="166.59pt" height="23.87pt" src="image1.gif" style="width: 166.59pt; height: 23.87pt; ">
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                            <P style="margin-top: 0; margin-bottom: 0; "><FONT style="color: #296DC1; font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>$11,359,000 Auto-Callable Trigger PLUS Based on the Value of the S&amp;P 500</font></FONT><FONT style="color: #296DC1; vertical-align: super; font-family: Arial, sans-serif; font-size: 7pt; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="color: #296DC1; font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> Index due December 9, 2027</font></FONT></P>
                            <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; color: #808080; font-size: 8.0pt; font-weight: bold; "><font style='white-space: pre-wrap;'>Trigger Performance Leveraged Upside Securities</font></FONT><FONT style="font-family: Arial, sans-serif; color: #808080; font-size: 6pt; vertical-align: super; font-weight: bold; "><font style='white-space: pre-wrap;'>SM</font></FONT></P>
                            <P style="margin-top: 0; margin-bottom: 0; "><FONT style="color: #808080; font-size: 7.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>Principal at Risk Securities</font></FONT></P>
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                <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; ">&nbsp;</FONT></P>
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            <DIV style="width: 514.80pt; padding: 10pt 79.20pt 10pt 79.20pt; position: relative; margin-bottom: 20pt; ">
                <P style="margin-top: 11.0pt; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; color: #0070C0; font-size: 14.0pt; "><font style='white-space: pre-wrap;'>Investment Overview</font></FONT></P>
                <P style="margin-top: 3.3pt; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: normal; color: #286DC1; font-size: 10.0pt; "><font style='white-space: pre-wrap;'>Auto-Callable Trigger Performance Leveraged Upside Securities</font></FONT></P>
                <P style="margin-top: 3.3pt; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: normal; color: #808080; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>Principal at Risk Securities</font></FONT></P>
                <P style="margin-top: 3.3pt; text-align: justify; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: normal; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>The Auto-Callable Trigger PLUS Based on the Value of the S&amp;P 500</font></FONT><FONT style="font-family: Arial, sans-serif; font-weight: normal; vertical-align: super; font-size: 7pt; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Arial, sans-serif; font-weight: normal; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> Index due December 9, 2027 which we refer to as the securities, do not provide for the regular payment of interest and do not guarantee the repayment of principal, and you will not be entitled to receive any dividends paid with respect to the stocks comprising the underlying index (the &#8220;index constituent stocks&#8221;). Instead, the securities will be automatically redeemed if the index closing value on the determination date prior to the final determination date </font></FONT><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>is greater than or equal to</font></FONT><FONT style="font-family: Arial, sans-serif; font-weight: normal; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> the initial index value, for an early redemption payment of $1,096.70 per security, as described below. </font></FONT></P>
                <P style="margin-top: 3.3pt; text-align: justify; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: normal; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>At maturity, if the securities have not previously been redeemed and the final index value is </font></FONT><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>greater than</font></FONT><FONT style="font-family: Arial, sans-serif; font-weight: normal; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> the initial index value, investors will receive the stated principal amount of their investment plus a return reflecting 125.00% of the upside performance of the underlying index. If the securities have not previously been redeemed and the final index value is </font></FONT><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>less than or equal to</font></FONT><FONT style="font-family: Arial, sans-serif; font-weight: normal; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> the initial index value but is </font></FONT><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>greater than or equal to</font></FONT><FONT style="font-family: Arial, sans-serif; font-weight: normal; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> the trigger level, investors will receive a payment of maturity of $1,000.00 per security. However, If the final index value is </font></FONT><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>less than</font></FONT><FONT style="font-family: Arial, sans-serif; font-weight: normal; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> the trigger level, the securities are exposed on a 1:1 basis to the negative performance of the underlying index, and investors will receive a payment at maturity that is less than 80% of the stated principal amount of the securities and could be zero.  Accordingly, investors in the securities must be willing to accept the risk of losing their entire initial investment.</font></FONT></P>
                <P style="margin-top: 0.0pt; padding-left: 19.8pt; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
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                            <P style="margin-top: 6.6pt; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #0070C0; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Maturity:</font></FONT></P>
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                            <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;'>Approximately 24 months, subject to early redemption</font></FONT></P>
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                            <P style="margin-top: 6.6pt; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #0070C0; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Automatic early redemption:</font></FONT></P>
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                            <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;'>If, on the determination date prior to the final determination date, the index closing value of the underlying index is greater than or equal to the initial index value, the securities will be automatically redeemed for the early redemption payment on the related early redemption date.</font></FONT></P>
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                            <P style="margin-top: 6.6pt; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #0070C0; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Early redemption payment:</font></FONT></P>
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                        <TD style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; ">
                            <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; text-align: justify; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>The early redemption payment will be an amount in cash per security as follows:</font></FONT></P>
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                                    <DIV style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; display: table-cell; ">
                                        <P style="margin-top: 0; margin-bottom: 0; margin-left: 35.48pt; text-indent: -17.71pt; "><!--[if IE]<FONT style="display: inline-block; width: 17.71pt; text-indent: -17.71pt; "><![endif]--><FONT style="display: inline-block; width: 17.71pt; text-indent: 0; text-align: left; font-family: Arial, sans-serif; font-size: 9.0pt; ">1st</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>determination date: </font></FONT></FONT></P>
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                                        <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;'>$1,096.70</font></FONT></P>
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                            <P style="margin-top: 6.6pt; text-align: justify; margin-bottom: 0; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; ">&nbsp;</FONT></P>
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                            <P style="margin-top: 6.6pt; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #0070C0; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Payment at maturity per security:</font></FONT></P>
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                            <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;'>If the securities are not automatically redeemed prior to maturity, you will receive at maturity a cash payment per security as follows:</font></FONT></P>
                            <P style="margin-top: 2.2pt; text-indent: -19.41pt; padding-left: 19.8pt; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; color: #4F81BD; font-size: 9.0pt; ">&#65517;</FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; width: 14.85pt; display: inline-block; ">&nbsp;</FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>If</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 8.0pt; "></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> the final index value is </font></FONT><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>greater than</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> the initial index value:</font></FONT></P>
                            <P style="margin-top: 2.2pt; text-indent: 0.06pt; text-align: center; margin-bottom: 0; margin-left: -6.33pt; "><FONT style="font-family: Arial, sans-serif; font-style: italic; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>$1,000.00 + leveraged upside payment</font></FONT></P>
                            <P style="margin-top: 2.2pt; text-indent: -19.41pt; padding-left: 19.8pt; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; color: #4F81BD; font-size: 9.0pt; ">&#65517;</FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; width: 14.85pt; display: inline-block; ">&nbsp;</FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>If</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 8.0pt; "></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> the final index value is</font></FONT><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-style: italic; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> </font></FONT><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>less than or equal to</font></FONT><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-style: italic; font-size: 9.0pt; "><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;'>the initial index value but</font></FONT><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-style: italic; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> </font></FONT><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>greater than or equal to </font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>the trigger level:</font></FONT></P>
                            <P style="margin-top: 2.2pt; text-indent: 0.06pt; text-align: center; margin-bottom: 0; margin-left: -6.33pt; "><FONT style="font-family: Arial, sans-serif; font-style: italic; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>$1,000.00 </font></FONT></P>
                            <P style="margin-top: 2.2pt; text-indent: -19.41pt; padding-left: 19.8pt; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; color: #4F81BD; font-size: 9.0pt; ">&#65517;</FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; width: 14.85pt; display: inline-block; ">&nbsp;</FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; width: 0.00pt; display: inline-block; ">&nbsp;</FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>If</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 8.0pt; "></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> the final index value is </font></FONT><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>less than </font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>the trigger level:</font></FONT></P>
                            <P style="margin-top: 2.2pt; text-indent: 0.06pt; text-align: center; margin-bottom: 0; margin-left: -6.33pt; "><FONT style="font-family: Arial, sans-serif; font-style: italic; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>$1,000.00 + ($1,000.00 &#215; underlying return) </font></FONT></P>
                            <P style="margin-top: 2.2pt; text-align: justify; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-style: italic; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>If the final index value is less than the trigger level, you will lose 1% for every 1% that the final index value falls below the initial index value and you could lose up to your entire investment in the securities.</font></FONT></P>
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                        <TD style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; ">
                            <P style="margin-top: 6.6pt; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #0070C0; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Leveraged upside payment:</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; ">
                            <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;'>$1,000.00 &#215; leverage factor &#215; underlying return</font></FONT></P>
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                        <TD style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; ">
                            <P style="margin-top: 6.6pt; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #0070C0; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Leverage factor:</font></FONT></P>
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                        <TD style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; ">
                            <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;'>125.00% (applicable only if the securities are not automatically redeemed prior to maturity and the final index value is greater than the initial index value)</font></FONT></P>
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                        <TD style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; ">
                            <P style="margin-top: 6.6pt; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #0070C0; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Trigger level:</font></FONT></P>
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                        <TD style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; vertical-align: middle; ">
                            <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;'>80% of the initial index value</font></FONT></P>
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                        <TD style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; ">
                            <P style="margin-top: 6.6pt; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #0070C0; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Minimum payment at maturity:</font></FONT></P>
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                        <TD style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; ">
                            <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;'>None. Investors may lose up to their entire investment in the securities.</font></FONT></P>
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                        <TD style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; ">
                            <P style="margin-top: 6.6pt; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #0070C0; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Listing:</font></FONT></P>
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                        <TD style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; ">
                            <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;'>The securities will not be listed or displayed on any securities exchange or any electronic communications network.</font></FONT></P>
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                <P style="margin-top: 8.8pt; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; color: #0070C0; font-size: 14.0pt; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
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            <DIV style="width: 514.80pt; padding: 0 79.20pt 15.84pt 79.20pt; min-height: 23.76pt; position: relative; ">
                <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; color: #296DC1; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>December 2025</font></FONT><FONT style="font-family: Arial, sans-serif; color: #296DC1; font-size: 8.0pt; width: 400pt; display: inline-block; ">&nbsp;</FONT><FONT style="font-family: Arial, sans-serif; color: #296DC1; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>Page </font><FONT>3</FONT></FONT></P>
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            <DIV style="width: 514.80pt; padding: 23.76pt 79.20pt 0 79.20pt; min-height: 15.84pt; position: relative; ">
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                            <P style="text-align: right; margin-top: 0; margin-bottom: 0; "><FONT style="font-size: 4.5pt; font-family: Arial, sans-serif; color: #888888; ">                                    <IMG width="166.59pt" height="23.87pt" src="image1.gif" style="width: 166.59pt; height: 23.87pt; ">
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&nbsp;
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                        <TD style="padding-top: 0.0pt; padding-left: 0.55pt; padding-right: 0.55pt; padding-bottom: 0.0pt; border-bottom:  1.00pt solid #296DC1; border-top:  1.00pt solid #296DC1; ">
                            <P style="margin-top: 0; margin-bottom: 0; "><FONT style="color: #296DC1; font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>$11,359,000 Auto-Callable Trigger PLUS Based on the Value of the S&amp;P 500</font></FONT><FONT style="color: #296DC1; vertical-align: super; font-family: Arial, sans-serif; font-size: 7pt; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="color: #296DC1; font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> Index due December 9, 2027</font></FONT></P>
                            <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; color: #808080; font-size: 8.0pt; font-weight: bold; "><font style='white-space: pre-wrap;'>Trigger Performance Leveraged Upside Securities</font></FONT><FONT style="font-family: Arial, sans-serif; color: #808080; font-size: 6pt; vertical-align: super; font-weight: bold; "><font style='white-space: pre-wrap;'>SM</font></FONT></P>
                            <P style="margin-top: 0; margin-bottom: 0; "><FONT style="color: #808080; font-size: 7.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>Principal at Risk Securities</font></FONT></P>
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                <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; ">&nbsp;</FONT></P>
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            <DIV style="width: 514.80pt; padding: 10pt 79.20pt 10pt 79.20pt; position: relative; margin-bottom: 20pt; ">
                <P style="margin-top: 8.8pt; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; color: #0070C0; font-size: 14.0pt; "><font style='white-space: pre-wrap;'>Key Investment Rationale</font></FONT></P>
                <P style="text-align: justify; margin-top: 6.6pt; text-indent: 0.0pt; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; background-color: #FFFFFF; "><font style='white-space: pre-wrap;'>The securities do not provide for the regular payment of interest. Instead, the securities will be automatically redeemed for an early redemption payment if the index closing value on the determination date prior to the final determination date is greater than or equal to the initial index value.</font></FONT></P>
                <P style="text-align: justify; margin-top: 6.6pt; text-indent: 0.0pt; margin-bottom: 0; "><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>The following scenarios are for illustrative purposes only to demonstrate how an automatic early redemption payment or the payment at maturity (if the securities have </font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; background-color: #FFFFFF; "><font style='white-space: pre-wrap;'>not</font></FONT><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'> previously been redeemed) are calculated, and do not attempt to demonstrate every situation that may occur.  Accordingly, the securities may or may not be redeemed prior to maturity and the payment at maturity may be less than the stated principal amount of the securities.</font></FONT></P>
                <P style="text-align: justify; margin-top: 6.6pt; text-indent: 0.0pt; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Investors will not be entitled to receive any dividends paid with respect to the index constituent stocks and the securities do not pay periodic interest. You should carefully consider whether an investment that does not provide for any dividends or periodic interest is appropriate for you.</font></FONT></P>
                <P style="margin-top: 11.0pt; text-indent: 19.8pt; text-align: justify; margin-bottom: 0; "><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
                <TABLE width="514.80pt" style="margin-left: 0.0pt; width: 514.80pt; table-layout: fixed; border-collapse: collapse; ">
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                        <TD width="361.35pt" style="width: 361.35pt; border: 0; margin: 0; padding: 0; height: 0; ">
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                        <TD style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; background-color: #DCEBF4; vertical-align: middle; ">
                            <P style="text-align: center; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #0070C0; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Scenario 1:</font><BR><font style='white-space: pre-wrap;'>The securities are redeemed prior to maturity</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; ">
                            <P style="margin-top: 3.3pt; padding-left: 8.69pt; text-align: justify; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>If the index closing value of the underlying index is greater than or equal to the initial index value on the determination date prior to the final determination date, the securities will be automatically redeemed for the early redemption payment on the related early redemption date. You will not participate in any increase of the underlying index.</font></FONT></P>
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                    </TR>
                    <TR style="vertical-align: top; min-height: 2.37pt; ">
                        <TD style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; vertical-align: middle; ">
                            <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #0070C0; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
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                        <TD style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; ">
                            <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; ">
                        <TD style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; background-color: #DCEBF4; vertical-align: middle; ">
                            <P style="text-align: center; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #0070C0; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Scenario 2:</font><BR><font style='white-space: pre-wrap;'>The securities are not redeemed prior to maturity and investors receive the leveraged upside payment</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; ">
                            <P style="margin-top: 3.3pt; padding-left: 8.69pt; text-align: justify; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>This scenario assumes that the underlying index closes below the initial index value on the determination date prior to the final determination date. Consequently, the securities are not automatically redeemed prior to maturity. If the final index value is greater than the initial index value, at maturity you will receive the stated principal amount of $1,000.00 plus the leveraged upside payment.</font></FONT></P>
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                    </TR>
                    <TR style="vertical-align: top; min-height: 2.53pt; ">
                        <TD style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; vertical-align: middle; ">
                            <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #0070C0; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; ">
                            <P style="padding-left: 8.53pt; 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>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; background-color: #DCEBF4; vertical-align: middle; ">
                            <P style="text-align: center; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #0070C0; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Scenario 3:</font><BR><font style='white-space: pre-wrap;'>The securities are not redeemed prior to maturity, and investors receive the return of principal at maturity</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; ">
                            <P style="margin-top: 3.3pt; padding-left: 8.69pt; text-align: justify; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>This scenario assumes that the underlying index closes below the initial index value on the determination date prior to the final determination date. Consequently, the securities are not automatically redeemed prior to maturity. If the final index value is less than or equal to the initial index value but is greater than or equal to the trigger level, which is 80% of the initial index value, at maturity you will receive the stated principal amount.</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; min-height: 2.37pt; ">
                        <TD style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; vertical-align: middle; ">
                            <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #0070C0; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
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                        <TD style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; ">
                            <P style="padding-left: 8.53pt; 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>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; background-color: #DCEBF4; vertical-align: middle; ">
                            <P style="text-align: center; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #0070C0; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Scenario 4:</font><BR><font style='white-space: pre-wrap;'>The securities are not redeemed prior to maturity and investors suffer a significant loss of principal at maturity</font></FONT></P>
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                        <TD style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; ">
                            <P style="margin-top: 3.3pt; padding-left: 8.69pt; text-align: justify; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>This scenario assumes that the underlying index closes below the initial index value on the determination date prior to the final determination date. Consequently, the securities are not automatically redeemed prior to maturity. If the final index value is less than the trigger level, at maturity you will receive significantly less than the stated principal amount, if anything, resulting in a percentage loss of your investment equal to the underlying return. For example, if the underlying return is -35%, each securities will redeem for $650.00, or 65% of the stated principal amount. </font></FONT><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>There is no minimum payment on the securities and you could lose up to your entire investment in the securities.</font></FONT></P>
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                            <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>
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                            <P style="padding-left: 8.53pt; text-align: justify; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 7.0pt; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
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                <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; color: #296DC1; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>December 2025</font></FONT><FONT style="font-family: Arial, sans-serif; color: #296DC1; font-size: 8.0pt; width: 400pt; display: inline-block; ">&nbsp;</FONT><FONT style="font-family: Arial, sans-serif; color: #296DC1; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>Page </font><FONT>4</FONT></FONT></P>
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            <DIV style="width: 514.80pt; padding: 23.76pt 79.20pt 0 79.20pt; min-height: 15.84pt; position: relative; ">
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                            <P style="text-align: right; margin-top: 0; margin-bottom: 0; "><FONT style="font-size: 4.5pt; font-family: Arial, sans-serif; color: #888888; ">                                    <IMG width="166.59pt" height="23.87pt" src="image1.gif" style="width: 166.59pt; height: 23.87pt; ">
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                        <TD style="padding-top: 0.0pt; padding-left: 0.55pt; padding-right: 0.55pt; padding-bottom: 0.0pt; border-bottom:  1.00pt solid #296DC1; border-top:  1.00pt solid #296DC1; ">
                            <P style="margin-top: 0; margin-bottom: 0; "><FONT style="color: #296DC1; font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>$11,359,000 Auto-Callable Trigger PLUS Based on the Value of the S&amp;P 500</font></FONT><FONT style="color: #296DC1; vertical-align: super; font-family: Arial, sans-serif; font-size: 7pt; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="color: #296DC1; font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> Index due December 9, 2027</font></FONT></P>
                            <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; color: #808080; font-size: 8.0pt; font-weight: bold; "><font style='white-space: pre-wrap;'>Trigger Performance Leveraged Upside Securities</font></FONT><FONT style="font-family: Arial, sans-serif; color: #808080; font-size: 6pt; vertical-align: super; font-weight: bold; "><font style='white-space: pre-wrap;'>SM</font></FONT></P>
                            <P style="margin-top: 0; margin-bottom: 0; "><FONT style="color: #808080; font-size: 7.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>Principal at Risk Securities</font></FONT></P>
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                <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; ">&nbsp;</FONT></P>
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            <DIV style="width: 514.80pt; padding: 10pt 79.20pt 10pt 79.20pt; position: relative; margin-bottom: 20pt; ">
                <P style="margin-top: 11.0pt; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; color: #0070C0; font-size: 14.0pt; "><font style='white-space: pre-wrap;'>Investor Suitability</font></FONT></P>
                <P style="text-align: justify; margin-top: 3.3pt; margin-bottom: 3.3pt; "><FONT style="font-weight: bold; font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>The securities may be suitable for you if: </font></FONT></P>
                <P style="margin-top: 2.75pt; margin-bottom: 2.75pt; text-align: justify; margin-left: 16.50pt; text-indent: -16.50pt; "><!--[if IE]<FONT style="display: inline-block; width: 16.50pt; text-indent: -16.50pt; "><![endif]--><FONT style="display: inline-block; width: 16.50pt; text-indent: 0; text-align: left; font-family: Arial, sans-serif; font-weight: normal; font-style: normal; color: #296DC1; font-size: 5.0pt; ">&#9632;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>You fully understand and are willing to accept the risks of an investment in the securities, including the risk that you may lose up to 100% of your investment in the securities</font></FONT></FONT></P>
                <P style="margin-top: 2.75pt; margin-bottom: 2.75pt; text-align: justify; margin-left: 16.61pt; text-indent: -16.61pt; "><!--[if IE]<FONT style="display: inline-block; width: 16.61pt; text-indent: -16.61pt; "><![endif]--><FONT style="display: inline-block; width: 16.61pt; text-indent: 0; text-align: left; font-family: Arial, sans-serif; font-weight: normal; font-style: normal; color: #296DC1; font-size: 5.0pt; ">&#9632;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>You can tolerate a loss of a significant portion or all of your investment and are willing to make an investment that, if the securities are not automatically redeemed prior to maturity and the final index value is less than the trigger level, has the same downside market risk as that of a direct investment in the underlying index or the index constituent stocks</font></FONT></FONT></P>
                <P style="margin-top: 2.75pt; margin-bottom: 2.75pt; text-align: justify; margin-left: 16.50pt; text-indent: -16.50pt; "><!--[if IE]<FONT style="display: inline-block; width: 16.50pt; text-indent: -16.50pt; "><![endif]--><FONT style="display: inline-block; width: 16.50pt; text-indent: 0; text-align: left; font-family: Arial, sans-serif; font-weight: normal; font-style: normal; color: #296DC1; font-size: 5.0pt; ">&#9632;</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 index closing value will be greater than or equal to the initial index value on the first determination date or greater than the initial index value on the final determination date </font></FONT></FONT></P>
                <P style="margin-top: 0; margin-bottom: 0; margin-left: 16.50pt; text-indent: -16.50pt; "><!--[if IE]<FONT style="display: inline-block; width: 16.50pt; text-indent: -16.50pt; "><![endif]--><FONT style="display: inline-block; width: 16.50pt; text-indent: 0; text-align: left; font-family: Arial, sans-serif; font-weight: normal; font-style: normal; color: #296DC1; font-size: 5.0pt; ">&#9632;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>You understand and accept that, if the securities are automatically redeemed prior to maturity, your return on the securities is limited to the early redemption payment and you will not participate in any increase of the underlying index</font></FONT></FONT></P>
                <P style="margin-top: 2.75pt; margin-bottom: 2.75pt; text-align: justify; margin-left: 16.50pt; text-indent: -16.50pt; "><!--[if IE]<FONT style="display: inline-block; width: 16.50pt; text-indent: -16.50pt; "><![endif]--><FONT style="display: inline-block; width: 16.50pt; text-indent: 0; text-align: left; font-family: Arial, sans-serif; font-weight: normal; font-style: normal; color: #296DC1; font-size: 5.0pt; ">&#9632;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>You can tolerate fluctuations in the market prices of the securities prior to maturity that may be similar to or exceed the fluctuations in the value of the underlying index</font></FONT></FONT></P>
                <P style="margin-top: 2.75pt; margin-bottom: 2.75pt; text-align: justify; margin-left: 16.61pt; text-indent: -16.61pt; "><!--[if IE]<FONT style="display: inline-block; width: 16.61pt; text-indent: -16.61pt; "><![endif]--><FONT style="display: inline-block; width: 16.61pt; text-indent: 0; text-align: left; font-family: Arial, sans-serif; font-weight: normal; font-style: normal; color: #296DC1; font-size: 5.0pt; ">&#9632;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>You do not seek current income from your investment and are willing to forgo any dividends paid on any index constituent stocks</font></FONT></FONT></P>
                <P style="margin-top: 2.75pt; margin-bottom: 2.75pt; text-align: justify; margin-left: 16.61pt; text-indent: -16.61pt; "><!--[if IE]<FONT style="display: inline-block; width: 16.61pt; text-indent: -16.61pt; "><![endif]--><FONT style="display: inline-block; width: 16.61pt; text-indent: 0; text-align: left; font-family: Arial, sans-serif; font-weight: normal; font-style: normal; color: #296DC1; font-size: 5.0pt; ">&#9632;</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 and able to invest in securities that may be redeemed prior to the maturity date, you are otherwise willing and able to hold the securities to maturity, a term of approximately 24 months, and you accept that there may be little or no secondary market for the securities</font></FONT></FONT></P>
                <P style="margin-top: 2.75pt; margin-bottom: 2.75pt; text-align: justify; margin-left: 16.50pt; text-indent: -16.50pt; "><!--[if IE]<FONT style="display: inline-block; width: 16.50pt; text-indent: -16.50pt; "><![endif]--><FONT style="display: inline-block; width: 16.50pt; text-indent: 0; text-align: left; font-family: Arial, sans-serif; font-weight: normal; font-style: normal; color: #296DC1; font-size: 5.0pt; ">&#9632;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>You understand and are willing to accept the risks associated with the underlying index</font></FONT></FONT></P>
                <P style="margin-top: 2.75pt; margin-bottom: 2.75pt; text-align: justify; margin-left: 16.50pt; text-indent: -16.50pt; "><!--[if IE]<FONT style="display: inline-block; width: 16.50pt; text-indent: -16.50pt; "><![endif]--><FONT style="display: inline-block; width: 16.50pt; text-indent: 0; text-align: left; font-family: Arial, sans-serif; font-weight: normal; font-style: normal; color: #296DC1; font-size: 5.0pt; ">&#9632;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>You</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 8.0pt; "></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> are willing to assume the credit risk of BNS for all payments under the securities, and you understand that if BNS defaults on its obligations you may not receive any amounts due to you including any repayment of principal</font></FONT></FONT></P>
                <P style="margin-top: 13.2pt; 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 securities may not be suitable for you if: </font></FONT></P>
                <P style="margin-top: 2.75pt; margin-bottom: 2.75pt; text-align: justify; margin-left: 16.50pt; text-indent: -16.50pt; "><!--[if IE]<FONT style="display: inline-block; width: 16.50pt; text-indent: -16.50pt; "><![endif]--><FONT style="display: inline-block; width: 16.50pt; text-indent: 0; text-align: left; font-family: Arial, sans-serif; font-weight: normal; font-style: normal; color: #296DC1; font-size: 5.0pt; ">&#9632;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>You do not fully understand or are unwilling to accept the risks of an investment in the securities, including the risk that you may lose up to 100% of your investment </font></FONT></FONT></P>
                <P style="margin-top: 2.75pt; margin-bottom: 2.75pt; text-align: justify; margin-left: 16.61pt; text-indent: -16.61pt; "><!--[if IE]<FONT style="display: inline-block; width: 16.61pt; text-indent: -16.61pt; "><![endif]--><FONT style="display: inline-block; width: 16.61pt; text-indent: 0; text-align: left; font-family: Arial, sans-serif; font-weight: normal; font-style: normal; color: #296DC1; font-size: 5.0pt; ">&#9632;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>You require an investment that provides for full or at least partial return of principal</font></FONT></FONT></P>
                <P style="margin-top: 2.75pt; margin-bottom: 2.75pt; text-align: justify; margin-left: 16.61pt; text-indent: -16.61pt; "><!--[if IE]<FONT style="display: inline-block; width: 16.61pt; text-indent: -16.61pt; "><![endif]--><FONT style="display: inline-block; width: 16.61pt; text-indent: 0; text-align: left; font-family: Arial, sans-serif; font-weight: normal; font-style: normal; color: #296DC1; font-size: 5.0pt; ">&#9632;</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 not willing to make an investment that, if the securities are not automatically redeemed prior to maturity and the final index value is less than the trigger level, has the same downside market risk as that of a direct investment in the underlying index or the index constituent stocks</font></FONT></FONT></P>
                <P style="text-align: justify; margin-top: 0; margin-bottom: 0; margin-left: 16.50pt; text-indent: -16.50pt; "><!--[if IE]<FONT style="display: inline-block; width: 16.50pt; text-indent: -16.50pt; "><![endif]--><FONT style="display: inline-block; width: 16.50pt; text-indent: 0; text-align: left; font-family: Arial, sans-serif; font-weight: normal; font-style: normal; color: #296DC1; font-size: 5.0pt; ">&#9632;</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 index closing value will be less than the initial index value on the first determination date and less than the initial index value on the final determination date</font></FONT></FONT></P>
                <P style="margin-top: 2.75pt; margin-bottom: 2.75pt; text-align: justify; margin-left: 16.61pt; text-indent: -16.61pt; "><!--[if IE]<FONT style="display: inline-block; width: 16.61pt; text-indent: -16.61pt; "><![endif]--><FONT style="display: inline-block; width: 16.61pt; text-indent: 0; text-align: left; font-family: Arial, sans-serif; font-weight: normal; font-style: normal; color: #296DC1; font-size: 5.0pt; ">&#9632;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>You do not understand or cannot accept that, if the securities are automatically redeemed prior to maturity, your return on the securities is limited to the early redemption payment and you will not participate in any increase of the underlying index</font></FONT></FONT></P>
                <P style="margin-top: 2.75pt; margin-bottom: 2.75pt; text-align: justify; margin-left: 16.50pt; text-indent: -16.50pt; "><!--[if IE]<FONT style="display: inline-block; width: 16.50pt; text-indent: -16.50pt; "><![endif]--><FONT style="display: inline-block; width: 16.50pt; text-indent: 0; text-align: left; font-family: Arial, sans-serif; font-weight: normal; font-style: normal; color: #296DC1; font-size: 5.0pt; ">&#9632;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>You cannot tolerate fluctuations in the market price of the securities prior to maturity that may be similar to or exceed the fluctuations in the value of the underlying index</font></FONT></FONT></P>
                <P style="margin-top: 2.75pt; margin-bottom: 2.75pt; text-align: justify; margin-left: 16.61pt; text-indent: -16.61pt; "><!--[if IE]<FONT style="display: inline-block; width: 16.61pt; text-indent: -16.61pt; "><![endif]--><FONT style="display: inline-block; width: 16.61pt; text-indent: 0; text-align: left; font-family: Arial, sans-serif; font-weight: normal; font-style: normal; color: #296DC1; font-size: 5.0pt; ">&#9632;</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 current income from your investment or prefer to receive the dividends paid on the index constituent stocks</font></FONT></FONT></P>
                <P style="margin-top: 2.75pt; margin-bottom: 2.75pt; text-align: justify; margin-left: 16.61pt; text-indent: -16.61pt; "><!--[if IE]<FONT style="display: inline-block; width: 16.61pt; text-indent: -16.61pt; "><![endif]--><FONT style="display: inline-block; width: 16.61pt; text-indent: 0; text-align: left; font-family: Arial, sans-serif; font-weight: normal; font-style: normal; color: #296DC1; font-size: 5.0pt; ">&#9632;</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 unable or unwilling to hold securities that may be redeemed prior to the maturity date, you are otherwise unable or unwilling to hold such securities to maturity, a term of approximately 24 months, or you seek an investment for which there will be an active secondary market </font></FONT></FONT></P>
                <P style="margin-top: 2.75pt; margin-bottom: 2.75pt; text-align: justify; margin-left: 16.61pt; text-indent: -16.61pt; "><!--[if IE]<FONT style="display: inline-block; width: 16.61pt; text-indent: -16.61pt; "><![endif]--><FONT style="display: inline-block; width: 16.61pt; text-indent: 0; text-align: left; font-family: Arial, sans-serif; font-weight: normal; font-style: normal; color: #296DC1; font-size: 5.0pt; ">&#9632;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>You do not understand or are not willing to accept the risks associated with the underlying index</font></FONT></FONT></P>
                <P style="margin-top: 2.75pt; margin-bottom: 2.75pt; text-align: justify; margin-left: 16.50pt; text-indent: -16.50pt; "><!--[if IE]<FONT style="display: inline-block; width: 16.50pt; text-indent: -16.50pt; "><![endif]--><FONT style="display: inline-block; width: 16.50pt; text-indent: 0; text-align: left; font-family: Arial, sans-serif; font-weight: normal; font-style: normal; color: #296DC1; font-size: 5.0pt; ">&#9632;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>You</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 8.0pt; "></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> are not willing to assume the credit risk of BNS for all payments under the securities, including any repayment of principal</font></FONT></FONT></P>
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            <DIV style="width: 514.80pt; padding: 0 79.20pt 15.84pt 79.20pt; min-height: 23.76pt; position: relative; ">
                <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; color: #296DC1; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>December 2025</font></FONT><FONT style="font-family: Arial, sans-serif; color: #296DC1; font-size: 8.0pt; width: 400pt; display: inline-block; ">&nbsp;</FONT><FONT style="font-family: Arial, sans-serif; color: #296DC1; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>Page </font><FONT>5</FONT></FONT></P>
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            <DIV style="width: 514.80pt; padding: 23.76pt 79.20pt 0 79.20pt; min-height: 15.84pt; position: relative; ">
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                            <P style="text-align: right; margin-top: 0; margin-bottom: 0; "><FONT style="font-size: 4.5pt; font-family: Arial, sans-serif; color: #888888; ">                                    <IMG width="166.59pt" height="23.87pt" src="image1.gif" style="width: 166.59pt; height: 23.87pt; ">
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                        <TD style="padding-top: 0.0pt; padding-left: 0.55pt; padding-right: 0.55pt; padding-bottom: 0.0pt; border-bottom:  1.00pt solid #296DC1; border-top:  1.00pt solid #296DC1; ">
                            <P style="margin-top: 0; margin-bottom: 0; "><FONT style="color: #296DC1; font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>$11,359,000 Auto-Callable Trigger PLUS Based on the Value of the S&amp;P 500</font></FONT><FONT style="color: #296DC1; vertical-align: super; font-family: Arial, sans-serif; font-size: 7pt; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="color: #296DC1; font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> Index due December 9, 2027</font></FONT></P>
                            <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; color: #808080; font-size: 8.0pt; font-weight: bold; "><font style='white-space: pre-wrap;'>Trigger Performance Leveraged Upside Securities</font></FONT><FONT style="font-family: Arial, sans-serif; color: #808080; font-size: 6pt; vertical-align: super; font-weight: bold; "><font style='white-space: pre-wrap;'>SM</font></FONT></P>
                            <P style="margin-top: 0; margin-bottom: 0; "><FONT style="color: #808080; font-size: 7.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>Principal at Risk Securities</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 style="width: 514.80pt; padding: 10pt 79.20pt 10pt 79.20pt; position: relative; margin-bottom: 20pt; ">
                <P style="margin-top: 11.0pt; margin-bottom: 0; margin-left: 0.00pt; text-indent: -0.00pt; "><!--[if IE]<FONT style="display: inline-block; width: 0.00pt; text-indent: -0.00pt; "><![endif]--><FONT style="display: inline-block; width: 0.00pt; text-indent: 0; text-align: left; font-family: Arial, sans-serif; color: #0070C0; font-size: 14.0pt; "></FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; color: #0070C0; font-size: 14.0pt; "></FONT><FONT style="font-family: Arial, sans-serif; color: #0070C0; font-size: 14.0pt; "><font style='white-space: pre-wrap;'>How</font></FONT><FONT style="font-family: Times New Roman, Times, serif; color: black; font-size: 8.0pt; "></FONT><FONT style="font-family: Arial, sans-serif; color: #0070C0; font-size: 14.0pt; "><font style='white-space: pre-wrap;'> the Securities Work</font></FONT></FONT></P>
                <P style="margin-top: 3.3pt; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: normal; color: #286DC1; font-size: 10.0pt; "><font style='white-space: pre-wrap;'>Hypothetical Examples</font></FONT></P>
                <P style="text-align: justify; margin-top: 6.6pt; text-indent: 0.0pt; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>The below examples are based on the following terms and are purely hypothetical (the actual terms of your securities are specified on the cover hereof).</font></FONT></P>
                <P style="text-align: justify; margin-top: 6.6pt; text-indent: 0.0pt; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Investors will not be entitled to receive any dividends paid with respect to the index constituent stocks or any periodic interest. You should carefully consider whether an investment that does not provide for any dividends or periodic interest is appropriate for you. All payments on the securities are subject to the credit risk of BNS.</font></FONT></P>
                <P style="margin-top: 11.0pt; text-indent: 19.8pt; text-align: justify; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
                <TABLE width="499.95pt" style="margin-left: 9.9pt;  width: 499.95pt; table-layout: fixed; border-collapse: collapse; ">
                    <TR>
                        <TD width="194.54pt" style="width: 194.54pt; border: 0; margin: 0; padding: 0; height: 0; ">
                        </TD>
                        <TD width="305.41pt" style="width: 305.41pt; border: 0; margin: 0; padding: 0; height: 0; ">
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; ">
                            <P style="margin-top: 2.2pt; margin-bottom: 2.2pt; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #0070C0; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Stated principal amount:</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; ">
                            <P style="margin-top: 2.2pt; margin-bottom: 2.2pt; padding-left: 2.25pt; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>$1,000.00 per security</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; ">
                            <P style="margin-top: 2.2pt; margin-bottom: 2.2pt; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #0070C0; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Early redemption payment:</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; ">
                            <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; text-align: justify; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>The early redemption payment will be an amount in cash per security as follows:</font></FONT></P>
                            <DIV width="96.60%" style="margin-left: -5.94pt; width: 96.60%; table-layout: fixed; border-collapse: collapse; display: table; ">
                                <DIV style="display: table-row; ">
                                    <DIV width="55.00%" style="width: 55.00%; border: 0; margin: 0; padding: 0; height: 0; display: table-cell; ">
                                    </DIV>
                                    <DIV width="55.00%" style="width: 55.00%; border: 0; margin: 0; padding: 0; height: 0; display: table-cell; ">
                                    </DIV>
                                </DIV>
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                                    <DIV style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; display: table-cell; ">
                                        <P style="margin-top: 0; margin-bottom: 0; margin-left: 39.60pt; text-indent: -15.12pt; "><!--[if IE]<FONT style="display: inline-block; width: 15.12pt; text-indent: -15.12pt; "><![endif]--><FONT style="display: inline-block; width: 15.12pt; text-indent: 0; text-align: left; font-family: Arial, sans-serif; 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;'>determination date: </font></FONT></FONT></P>
                                    </DIV>
                                    <DIV style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; display: table-cell; ">
                                        <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;'>$1,096.70</font></FONT></P>
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                                </DIV>
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                            <P style="margin-top: 2.2pt; margin-bottom: 2.2pt; padding-left: 2.25pt; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; ">&nbsp;</FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; ">
                            <P style="margin-top: 2.2pt; margin-bottom: 2.2pt; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #0070C0; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Leveraged upside payment:</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; ">
                            <P style="margin-top: 2.2pt; margin-bottom: 2.2pt; padding-left: 2.25pt; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>$1,000.00 &#215; leverage factor &#215; underlying return</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; ">
                            <P style="margin-top: 2.2pt; margin-bottom: 2.2pt; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #0070C0; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Leverage factor:</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; ">
                            <P style="margin-top: 2.2pt; margin-bottom: 2.2pt; padding-left: 2.25pt; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>125.00% (applicable only if the securities are not automatically redeemed prior to maturity and the final index value is greater than the initial index value)</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; min-height: 3.52pt; ">
                        <TD style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; ">
                            <P style="margin-top: 2.2pt; margin-bottom: 2.2pt; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #0070C0; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Hypothetical initial index value:</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; ">
                            <P style="margin-top: 2.2pt; margin-bottom: 2.2pt; padding-left: 2.25pt; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>100.00</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; min-height: 14.80pt; ">
                        <TD style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; ">
                            <P style="margin-top: 2.2pt; margin-bottom: 2.2pt; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #0070C0; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Trigger level:</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; vertical-align: middle; ">
                            <P style="margin-top: 2.2pt; margin-bottom: 2.2pt; padding-left: 2.25pt; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>80.00, which is 80% of the initial index value</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; ">
                            <P style="margin-top: 2.2pt; margin-bottom: 2.2pt; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #0070C0; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Minimum payment at maturity:</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; ">
                            <P style="margin-top: 2.2pt; margin-bottom: 2.2pt; padding-left: 2.25pt; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>None</font></FONT></P>
                        </TD>
                    </TR>
                </TABLE>
                <P style="margin-top: 6.6pt; margin-bottom: 3.3pt; text-align: justify; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
                <P style="margin-top: 6.6pt; margin-bottom: 3.3pt; text-align: justify; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>EXAMPLE 1: The securities are redeemed following the first determination date.</font></FONT></P>
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                        </TD>
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                        <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: 3.3pt; text-align: center; "><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;'>Date</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: 6.6pt; margin-bottom: 3.3pt; text-align: center; "><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;'>Index Closing Value</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: 6.6pt; margin-bottom: 3.3pt; text-align: center; "><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;'>Payment (per security)</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: 6.6pt; margin-bottom: 3.3pt; text-align: center; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>1</font></FONT><FONT style="font-family: Arial, sans-serif; vertical-align: super; font-size: 7pt; "><font style='white-space: pre-wrap;'>st</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> Determination 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="margin-top: 6.6pt; margin-bottom: 3.3pt; text-align: center; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>120.00 (</font></FONT><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>greater than or equal to</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> initial index 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: 6.6pt; text-align: center; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>$1,096.70</font></FONT></P>
                        </TD>
                    </TR>
                </TABLE>
                <P style="margin-top: 6.6pt; margin-bottom: 3.3pt; padding-left: 4.95pt; text-align: justify; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>In this example, the index closing value on the first determination date is greater than or equal to the initial index value. Therefore, the securities are automatically redeemed on the first early redemption date. Investors will receive $1,096.70 per security on the related early redemption date (a total return of 9.67% on the securities). No further payments will be made on the securities once they have been redeemed, and investors do not participate in the appreciation of the underlying index.</font></FONT></P>
                <P style="margin-top: 6.6pt; margin-bottom: 3.3pt; text-align: justify; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>EXAMPLE 2: The securities are not automatically redeemed prior to maturity and the final index value is greater than or equal to the initial index value.</font></FONT></P>
                <TABLE width="508.20pt" style="margin-left: auto; width: 508.20pt; table-layout: fixed; border-collapse: collapse; margin-right: auto; ">
                    <TR>
                        <TD width="262.35pt" style="width: 262.35pt; border: 0; margin: 0; padding: 0; height: 0; ">
                        </TD>
                        <TD width="245.69pt" style="width: 245.69pt; border: 0; margin: 0; padding: 0; height: 0; ">
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; ">
                            <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;'>Final index value</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; ">
                            <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;'>105.00</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; ">
                            <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;'>Underlying return</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; ">
                            <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;'>(105.00 &#8211; 100.00) / 100.00 = 5.00%</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; ">
                            <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;'>Payment at maturity</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; ">
                            <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;'>= $1,000.00 + leveraged upside payment</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; ">
                            <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>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; ">
                            <P style="margin-top: 2.2pt; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>= $1,000.00 + ($1,000.00 &#215; leverage factor &#215; underlying return)</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; ">
                            <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>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; ">
                            <P style="margin-top: 2.2pt; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>= $1,000.00 + ($1,000.00 &#215; 125.00% &#215; 5.00%)</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; min-height: 7.92pt; ">
                        <TD style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; ">
                            <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>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; ">
                            <P style="margin-top: 2.2pt; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>= $1,062.50 </font></FONT></P>
                        </TD>
                    </TR>
                </TABLE>
                <P style="margin-top: 3.3pt; margin-bottom: 13.2pt; padding-left: 10.29pt; text-align: justify; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>In this example, the index closing value is less than the initial index value on the determination date prior to the final determination date and, therefore, the securities are not redeemed prior to maturity. On the final determination date, the final index value is greater than the initial index value and the underlying return is 5.00%. Accordingly, investors receive the stated principal amount at maturity plus a return equal to 125.00% times the underlying return, resulting in a payment at maturity of $1,062.50 per security (a total return of 6.25%).</font></FONT></P>
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            <DIV style="width: 514.80pt; padding: 0 79.20pt 15.84pt 79.20pt; min-height: 23.76pt; position: relative; ">
                <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; color: #296DC1; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>December 2025</font></FONT><FONT style="font-family: Arial, sans-serif; color: #296DC1; font-size: 8.0pt; width: 400pt; display: inline-block; ">&nbsp;</FONT><FONT style="font-family: Arial, sans-serif; color: #296DC1; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>Page </font><FONT>6</FONT></FONT></P>
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                            <P style="text-align: right; margin-top: 0; margin-bottom: 0; "><FONT style="font-size: 4.5pt; font-family: Arial, sans-serif; color: #888888; ">                                    <IMG width="166.59pt" height="23.87pt" src="image1.gif" style="width: 166.59pt; height: 23.87pt; ">
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&nbsp;
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                        <TD style="padding-top: 0.0pt; padding-left: 0.55pt; padding-right: 0.55pt; padding-bottom: 0.0pt; border-bottom:  1.00pt solid #296DC1; border-top:  1.00pt solid #296DC1; ">
                            <P style="margin-top: 0; margin-bottom: 0; "><FONT style="color: #296DC1; font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>$11,359,000 Auto-Callable Trigger PLUS Based on the Value of the S&amp;P 500</font></FONT><FONT style="color: #296DC1; vertical-align: super; font-family: Arial, sans-serif; font-size: 7pt; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="color: #296DC1; font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> Index due December 9, 2027</font></FONT></P>
                            <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; color: #808080; font-size: 8.0pt; font-weight: bold; "><font style='white-space: pre-wrap;'>Trigger Performance Leveraged Upside Securities</font></FONT><FONT style="font-family: Arial, sans-serif; color: #808080; font-size: 6pt; vertical-align: super; font-weight: bold; "><font style='white-space: pre-wrap;'>SM</font></FONT></P>
                            <P style="margin-top: 0; margin-bottom: 0; "><FONT style="color: #808080; font-size: 7.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>Principal at Risk Securities</font></FONT></P>
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                <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; ">&nbsp;</FONT></P>
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            <DIV style="width: 514.80pt; padding: 10pt 79.20pt 10pt 79.20pt; position: relative; margin-bottom: 20pt; ">
                <P style="margin-top: 6.6pt; margin-bottom: 3.3pt; text-align: justify; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>EXAMPLE 3: The securities are not automatically redeemed prior to maturity and the final index value is greater than or equal to the trigger level. </font></FONT></P>
                <TABLE width="508.20pt" style="margin-left: auto; width: 508.20pt; table-layout: fixed; border-collapse: collapse; margin-right: auto; ">
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                            <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;'>Final index value</font></FONT></P>
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                        <TD style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; ">
                            <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;'>95.00</font></FONT></P>
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                        <TD style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; ">
                            <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;'>Underlying return</font></FONT></P>
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                        <TD style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; ">
                            <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;'>(95.00 &#8211; 100.00) / 100.00 = -5.00%</font></FONT></P>
                        </TD>
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                        <TD style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; ">
                            <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;'>Payment at maturity</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; ">
                            <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;'>= $1,000.00</font></FONT></P>
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                <P style="margin-top: 3.3pt; margin-bottom: 13.2pt; padding-left: 10.29pt; text-align: justify; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>In this example, the index closing value is less than the initial index value on the determination date prior to the final determination date and, therefore, the securities are not redeemed prior to maturity. On the final determination date, the final index value is less than or equal to the initial index value but greater than or equal to the trigger level and the underlying return is -5.00%. Accordingly, investors receive the stated principal amount of $1,000.00 per security at maturity (a total return of 0.00%).</font></FONT></P>
                <P style="margin-top: 6.6pt; margin-bottom: 3.3pt; text-align: justify; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>EXAMPLE 4: The securities are not automatically redeemed prior to maturity and the final index value is less than the trigger level. </font></FONT></P>
                <TABLE width="504.90pt" style="margin-left: 0.0pt; width: 504.90pt; table-layout: fixed; border-collapse: collapse; ">
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                        <TD width="242.55pt" style="width: 242.55pt; border: 0; margin: 0; padding: 0; height: 0; ">
                        </TD>
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                        <TD style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; ">
                            <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;'>Final index value</font></FONT></P>
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                        <TD style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; ">
                            <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;'>40.00</font></FONT></P>
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                        <TD style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; ">
                            <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;'>Underlying </font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>return</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 8.0pt; "></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; ">
                            <P style="margin-top: 5.5pt; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; width: 0.00pt; display: inline-block; ">&nbsp;</FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>(40.00 &#8211; 100.00) / 100.00 = -60.00%</font></FONT></P>
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                        <TD style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; ">
                            <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;'>Payment at maturity</font></FONT></P>
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                        <TD style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; ">
                            <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;'>= $1,000.00 + ($1,000.00 &#215; underlying return)</font></FONT></P>
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                        <TD style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; ">
                            <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>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; ">
                            <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;'>= $1,000.00 + ($1,000.00 &#215; -60.00%)</font></FONT></P>
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                        <TD style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; ">
                            <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>
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                        <TD style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; ">
                            <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;'>= $1,000.00 - $600.00</font></FONT></P>
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                        <TD style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; ">
                            <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>
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                        <TD style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; ">
                            <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;'>= $400.00 </font></FONT></P>
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                <P style="margin-top: 3.3pt; margin-bottom: 13.2pt; padding-left: 10.29pt; text-align: justify; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>In this example, the index closing value is less than the initial index value on the determination date prior to the final determination date and, therefore, the securities are not redeemed prior to maturity. On the final determination date, the final index value is less than the trigger level and the underlying return is -60.00%. Because the final index value is less than the trigger level, investors are fully exposed to the decline of the final index value of the underlying index relative to the initial index value, resulting in a payment at maturity of $400.00 per security (a return on investment of -60.00%).</font></FONT></P>
                <P style="margin-top: 3.3pt; margin-bottom: 13.2pt; padding-left: 10.29pt; text-align: justify; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>If the securities are not redeemed prior to maturity and the final index value is less than the trigger level, you will lose 1% for every 1% that the final index value falls below the initial index value and you could lose up to your entire investment in the securities.</font></FONT></P>
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            <DIV style="width: 514.80pt; padding: 0 79.20pt 15.84pt 79.20pt; min-height: 23.76pt; position: relative; ">
                <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; color: #296DC1; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>December 2025</font></FONT><FONT style="font-family: Arial, sans-serif; color: #296DC1; font-size: 8.0pt; width: 400pt; display: inline-block; ">&nbsp;</FONT><FONT style="font-family: Arial, sans-serif; color: #296DC1; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>Page </font><FONT>7</FONT></FONT></P>
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            <DIV style="width: 514.80pt; padding: 23.76pt 79.20pt 0 79.20pt; min-height: 15.84pt; position: relative; ">
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                            <P style="text-align: right; margin-top: 0; margin-bottom: 0; "><FONT style="font-size: 4.5pt; font-family: Arial, sans-serif; color: #888888; ">                                    <IMG width="166.59pt" height="23.87pt" src="image1.gif" style="width: 166.59pt; height: 23.87pt; ">
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&nbsp;
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                        <TD style="padding-top: 0.0pt; padding-left: 0.55pt; padding-right: 0.55pt; padding-bottom: 0.0pt; border-bottom:  1.00pt solid #296DC1; border-top:  1.00pt solid #296DC1; ">
                            <P style="margin-top: 0; margin-bottom: 0; "><FONT style="color: #296DC1; font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>$11,359,000 Auto-Callable Trigger PLUS Based on the Value of the S&amp;P 500</font></FONT><FONT style="color: #296DC1; vertical-align: super; font-family: Arial, sans-serif; font-size: 7pt; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="color: #296DC1; font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> Index due December 9, 2027</font></FONT></P>
                            <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; color: #808080; font-size: 8.0pt; font-weight: bold; "><font style='white-space: pre-wrap;'>Trigger Performance Leveraged Upside Securities</font></FONT><FONT style="font-family: Arial, sans-serif; color: #808080; font-size: 6pt; vertical-align: super; font-weight: bold; "><font style='white-space: pre-wrap;'>SM</font></FONT></P>
                            <P style="margin-top: 0; margin-bottom: 0; "><FONT style="color: #808080; font-size: 7.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>Principal at Risk Securities</font></FONT></P>
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                <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; ">&nbsp;</FONT></P>
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            <DIV style="width: 514.80pt; padding: 10pt 79.20pt 10pt 79.20pt; position: relative; margin-bottom: 20pt; ">
                <P style="text-align: left; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; color: #0070C0; font-size: 14.0pt; "><font style='white-space: pre-wrap;'>Risk Factors</font></FONT></P>
                <P style="text-align: justify; margin-top: 6.6pt; text-indent: 0.0pt; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-style: italic; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>The following is a non-exhaustive list of certain key risk factors for investors in the securities. For further discussion of these and other risks, you should read the section entitled &#8220;Additional Risk Factors Specific to the Notes&#8221; of the accompanying product supplement and &#8220;Risk Factors&#8221; of the accompanying prospectus supplement and of the accompanying prospectus. We also urge you to consult your investment, legal, tax, accounting and other advisors concerning an investment in the securities.</font></FONT></P>
                <P style="margin-top: 3.3pt; margin-bottom: 6.6pt; padding-left: 19.8pt; text-align: center; "><FONT style="font-weight: bold; font-style: italic; font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Risks Relating to Return Characteristics</font></FONT></P>
                <P style="text-align: justify; 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: #4F81BD; font-size: 9.0pt; ">&#65517;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Risk of significant loss at maturity; you may lose up to your entire investment.</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> The securities differ from ordinary debt securities in that BNS will not necessarily repay the stated principal amount of the securities at maturity. If the securities are not automatically redeemed prior to maturity and the final index value is less than the trigger level, you will lose 1% of your principal for every 1% that the final index value falls below the initial index value. </font></FONT><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-style: italic; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>You may lose up to your entire investment in the securities</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>.</font></FONT></FONT></P>
                <P style="text-align: justify; 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: #4F81BD; font-size: 9.0pt; ">&#65517;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>The stated payout from the issuer applies only upon an early redemption or at maturity. </font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>You should be willing to hold your securities to maturity. The stated payout, including the benefit of the early redemption payment or the leverage factor at maturity, is available only if you hold your securities to an early redemption or to maturity, as applicable. If you are able to sell your securities prior to maturity in the secondary market, you may have to sell them at a loss relative to your investment in the securities even if the then-current value of the underlying index is greater than or equal to the trigger level.</font></FONT></FONT></P>
                <P style="text-align: justify; 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; font-family: Arial, sans-serif; font-weight: normal; font-style: normal; color: #296DC1; font-size: 5.0pt; ">&#9632;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>If the securities are redeemed prior to maturity, the appreciation potential of the securities is limited by the fixed early redemption payment.  </font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>If the index closing value is greater than or equal to the initial index value on the determination date prior to the final determination date, the securities will be automatically redeemed.  In this scenario, the appreciation potential of the securities is limited to the fixed early redemption payment, and no further payments will be made on the securities once they have been redeemed.  In addition, if the securities are redeemed prior to maturity, you will not participate in any increase of the underlying index, which could be significant.  Moreover, the fixed early redemption payment may be less than the payment at maturity you would receive for the same level of increase of the underlying index had the securities not been automatically redeemed and instead remained outstanding until maturity.</font></FONT></FONT></P>
                <P style="text-align: justify; 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; font-family: Arial, sans-serif; font-weight: normal; font-style: normal; color: #296DC1; font-size: 5.0pt; ">&#9632;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Greater expected volatility with respect to the underlying index generally reflects a higher return rate represented by the early redemption payment, a higher leverage factor and a lower trigger level, and a higher expectation as of the pricing date that the final index value could be less than the trigger level. </font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Greater expected volatility with respect to the underlying index reflects a higher expectation as of the pricing date that the securities will not be redeemed prior to maturity and that the final index value could be less than the trigger level. &#8220;Volatility&#8221; refers to the frequency and magnitude of changes in the level of an asset or group of assets. This greater expected risk will generally be reflected in a higher return rate represented by the early redemption payment, a higher leverage factor and a lower trigger level for the securities than would have been the case had expected volatility been lower. However, while such terms are set on the pricing date based, in part, on the underlying index&#8217;s volatility calculated using our internal models, the underlying index&#8217;s volatility can change significantly over the term of the securities. The value of the underlying index could fall sharply, which could result in the loss of up to your entire investment in the securities.</font></FONT></FONT></P>
                <P style="text-align: justify; 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; font-family: Arial, sans-serif; font-weight: normal; font-style: normal; color: #296DC1; font-size: 5.0pt; ">&#9632;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>The securities are subject to reinvestment risk in the event of an early redemption. </font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>The securities will be automatically redeemed prior to maturity if the index closing value of the underlying index on the determination date prior to the final determination date is greater than or equal to the initial index value and you will not receive any further payments after the related early redemption date. Conversely, the securities will not be automatically redeemed when the index closing value on the determination date prior to the final determination date is less than the initial index value, which generally coincides with a greater risk of principal loss on your securities. If the securities are automatically redeemed prior to maturity, the term of your investment will be limited. In the event that the securities are redeemed prior to maturity, there is no guarantee that you will be able to reinvest the proceeds from an investment in the securities at a comparable rate of return for a similar level of risk. In addition, to the extent you are able to reinvest such proceeds in an investment comparable to the securities, you will incur transaction costs and the original issue price for such an investment is likely to include certain built-in costs such as dealer discounts and hedging costs.</font></FONT></FONT></P>
                <P style="text-align: justify; 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; font-family: Arial, sans-serif; font-weight: normal; font-style: normal; color: #296DC1; font-size: 5.0pt; ">&#9632;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 9.0pt; background-color: #FFFFFF; "><font style='white-space: pre-wrap;'>The amount payable on the securities is not linked to the value of the underlying index at any time other than the determination dates. </font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; background-color: #FFFFFF; "><font style='white-space: pre-wrap;'>Whether you receive an early redemption payment will be based only on the index closing value on the relevant determination date, subject to postponement for non-trading days and certain market disruption events. As a result, you will not know whether the securities will be automatically redeemed for the early redemption payment until the determination date prior to the final determination date. Moreover, because whether the securities will be automatically redeemed is based solely on the value of the underlying index on the determination date</font></FONT><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'> </font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; background-color: #FFFFFF; "><font style='white-space: pre-wrap;'>prior to the final determination date, if the index closing value on such determination date is less than the initial index value, you will not receive the early redemption payment even if the value of the underlying index was greater than or equal to the initial index value on other days during the term of the securities.</font></FONT><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 9.0pt; background-color: #FFFFFF; "><font style='white-space: pre-wrap;'> </font></FONT></FONT></P>
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                <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; color: #296DC1; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>December 2025</font></FONT><FONT style="font-family: Arial, sans-serif; color: #296DC1; font-size: 8.0pt; width: 400pt; display: inline-block; ">&nbsp;</FONT><FONT style="font-family: Arial, sans-serif; color: #296DC1; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>Page </font><FONT>8</FONT></FONT></P>
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                            <P style="margin-top: 0; margin-bottom: 0; "><FONT style="color: #296DC1; font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>$11,359,000 Auto-Callable Trigger PLUS Based on the Value of the S&amp;P 500</font></FONT><FONT style="color: #296DC1; vertical-align: super; font-family: Arial, sans-serif; font-size: 7pt; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="color: #296DC1; font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> Index due December 9, 2027</font></FONT></P>
                            <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; color: #808080; font-size: 8.0pt; font-weight: bold; "><font style='white-space: pre-wrap;'>Trigger Performance Leveraged Upside Securities</font></FONT><FONT style="font-family: Arial, sans-serif; color: #808080; font-size: 6pt; vertical-align: super; font-weight: bold; "><font style='white-space: pre-wrap;'>SM</font></FONT></P>
                            <P style="margin-top: 0; margin-bottom: 0; "><FONT style="color: #808080; font-size: 7.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>Principal at Risk Securities</font></FONT></P>
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                <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; ">&nbsp;</FONT></P>
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            <DIV style="width: 514.80pt; padding: 10pt 79.20pt 10pt 79.20pt; position: relative; margin-bottom: 20pt; ">
                <P style="padding-left: 19.8pt; text-align: justify; margin-top: 6.6pt; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; background-color: #FFFFFF; "><font style='white-space: pre-wrap;'>Similarly, the final index value will be based only on the index closing value on the final determination date, subject to postponement for non-trading days and certain market disruption events. If the value of the underlying index falls on the final determination date, the payment at maturity will be less, and may be significantly less, than it would have been had the payment at maturity been linked to the value of the underlying index at any time prior to such drop. Although the actual value of the underlying index on the stated maturity date or at other times during the term of the securities may be higher than the index closing value on the final determination date, the payment at maturity will be based solely on the index closing value on the final determination date.</font></FONT></P>
                <P style="text-align: justify; 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; font-family: Arial, sans-serif; font-weight: normal; font-style: normal; color: #296DC1; font-size: 5.0pt; ">&#9632;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Owning the securities is not the same as owning the index constituent stocks.</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> The return on your securities may not reflect the return you would realize if you actually owned the index constituent stocks. For example, you will not receive or be entitled to receive any dividend payments or other distributions paid on the index constituent stocks, and no such dividends or distributions will be factored into the calculation of the payment at maturity on your securities. In addition, as an owner of the securities, you will not have voting rights or any other rights that a holder of the index constituent stocks may have.</font></FONT></FONT></P>
                <P style="margin-top: 13.2pt; margin-bottom: 6.6pt; padding-left: 19.8pt; text-align: center; "><FONT style="font-weight: bold; font-style: italic; font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Risks Relating to Characteristics of the Underlying Index</font></FONT></P>
                <P style="text-align: justify; 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: #4F81BD; font-size: 9.0pt; ">&#65517;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>An investment in the securities involves market risk associated with the underlying index.</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> The return on the securities, which may be negative, is linked to the performance of the underlying index and indirectly linked to the value of the index constituent stocks. The value of the underlying index can rise or fall sharply due to factors specific to the underlying index or its index constituent stocks and their issuers (the &#8220;index constituent stock issuers&#8221;), such as stock or commodity price volatility, earnings, financial conditions, corporate, industry and regulatory developments, management changes and decisions and other events, as well as general market factors, such as general stock market or commodity market volatility and values, interest rates and economic, political and other conditions. You, as an investor in the securities, should make your own investigation into the underlying index and the index constituent stocks. </font></FONT></FONT></P>
                <P style="text-align: justify; 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; font-family: Arial, sans-serif; font-weight: normal; font-style: normal; color: #296DC1; font-size: 5.0pt; ">&#9632;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>There can be no assurance that the investment view implicit in the securities will be successful.</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> It is impossible to predict whether and the extent to which the value of the underlying index will rise or fall and there can be no assurance that the index closing value on any determination date (including the final determination date) will be greater than or equal to the initial index value. The value of the underlying index will be influenced by complex and interrelated political, economic, financial and other factors that affect the index constituent stock issuers. You should be willing to accept the risks associated with the relevant markets tracked by the underlying index in general and each index constituent stock in particular, and the risk of losing a significant portion or all of your investment in the securities.</font></FONT></FONT></P>
                <P style="text-align: justify; 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; font-family: Arial, sans-serif; font-weight: normal; font-style: normal; color: #296DC1; font-size: 5.0pt; ">&#9632;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-weight: bold; font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>The underlying index reflects price return, not total return.</font></FONT><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'> The return on the securities is based on the performance of the underlying index, which reflects the changes in the market prices of the index constituent stocks. It is not, however, linked to a &#8220;total return&#8221; index or strategy, which, in addition to reflecting those price returns, would also reflect any dividends paid on the index constituent stocks. The return on the securities will not include such a total return feature or dividend component.</font></FONT></FONT></P>
                <P style="text-align: justify; 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: #4F81BD; font-size: 9.0pt; ">&#65517;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Changes affecting the underlying index could have an adverse effect on the market value of, and any amount payable on, the securities.</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> The policies of the index sponsor as specified under &#8220;Information About the Underlying Index&#8221; (the &#8220;index sponsor&#8221;), concerning additions, deletions and substitutions of the index constituent stocks and the manner in which the index sponsor takes account of certain changes affecting those index constituent stocks may adversely affect the value of the underlying index. The policies of the index sponsor with respect to the calculation of the underlying index could also adversely affect the value of the underlying index. The index sponsor may discontinue or suspend calculation or dissemination of the underlying index. Any such actions could have an adverse effect on the market value of, and any amount payable on, the securities.</font></FONT></FONT></P>
                <P style="text-align: justify; 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: #4F81BD; font-size: 9.0pt; ">&#65517;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>There is no affiliation between the index sponsor and BNS, and BNS is not responsible for any disclosure by such index sponsor.</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> We or our affiliates may currently, or from time to time engage in business with the index sponsor. However, we and our affiliates are not affiliated with the index sponsor and have no ability to control or predict its actions. You, as an investor in the securities, should conduct your own independent investigation of the index sponsor and the underlying index. The index sponsor is not involved in the securities offered hereby in any way and has no obligation of any sort with respect to your securities. The index sponsor has no obligation to take your interests into consideration for any reason, including when taking any actions that might affect the value of, and any amount payable on, your securities.</font></FONT></FONT></P>
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                <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; color: #296DC1; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>December 2025</font></FONT><FONT style="font-family: Arial, sans-serif; color: #296DC1; font-size: 8.0pt; width: 400pt; display: inline-block; ">&nbsp;</FONT><FONT style="font-family: Arial, sans-serif; color: #296DC1; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>Page </font><FONT>9</FONT></FONT></P>
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                            <P style="margin-top: 0; margin-bottom: 0; "><FONT style="color: #296DC1; font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>$11,359,000 Auto-Callable Trigger PLUS Based on the Value of the S&amp;P 500</font></FONT><FONT style="color: #296DC1; vertical-align: super; font-family: Arial, sans-serif; font-size: 7pt; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="color: #296DC1; font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> Index due December 9, 2027</font></FONT></P>
                            <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; color: #808080; font-size: 8.0pt; font-weight: bold; "><font style='white-space: pre-wrap;'>Trigger Performance Leveraged Upside Securities</font></FONT><FONT style="font-family: Arial, sans-serif; color: #808080; font-size: 6pt; vertical-align: super; font-weight: bold; "><font style='white-space: pre-wrap;'>SM</font></FONT></P>
                            <P style="margin-top: 0; margin-bottom: 0; "><FONT style="color: #808080; font-size: 7.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>Principal at Risk Securities</font></FONT></P>
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                <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; ">&nbsp;</FONT></P>
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                <P style="margin-top: 13.2pt; margin-bottom: 6.6pt; padding-left: 19.8pt; text-align: center; "><FONT style="font-weight: bold; font-style: italic; font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Risks Relating to Estimated Value and Liquidity</font></FONT></P>
                <P style="text-align: justify; 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: #4F81BD; font-size: 9.0pt; ">&#65517;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>BNS&#8217; initial estimated value of the securities at the time of pricing (when the terms of your securities were set on the pricing date) is lower than the issue price of the securities. </font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>BNS&#8217; initial estimated value of the securities is only an estimate. The issue price of the securities exceeds BNS&#8217; initial estimated value. The difference between the issue price of the securities and BNS&#8217; initial estimated value reflects costs associated with selling and structuring the securities, as well as hedging its obligations under the securities. Therefore, the economic terms of the securities are less favorable to you than they would have been if these expenses had not been paid or had been lower.</font></FONT></FONT></P>
                <P style="text-align: justify; 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: #4F81BD; font-size: 9.0pt; ">&#65517;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Neither BNS&#8217; nor SCUSA&#8217;s estimated value of the securities at any time is determined by reference to credit spreads or the borrowing rate BNS would pay for its conventional fixed-rate debt securities.</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> BNS&#8217; initial estimated value of the securities and SCUSA&#8217;s estimated value of the securities at any time are determined by reference to BNS&#8217; internal funding rate. The internal funding rate used in the determination of the estimated value of the securities generally represents a discount from the credit spreads for BNS&#8217; conventional fixed-rate debt securities and the borrowing rate BNS would pay for its conventional fixed-rate debt securities. This discount is based on, among other things, BNS&#8217; view of the funding value of the securities as well as the higher issuance, operational and ongoing liability management costs of the securities in comparison to those costs for BNS&#8217; conventional fixed-rate debt. If the interest rate implied by the credit spreads for BNS&#8217; conventional fixed-rate debt securities, or the borrowing rate BNS would pay for its conventional fixed-rate debt securities were to be used, BNS would expect the economic terms of the securities to be more favorable to you. Consequently, the use of an internal funding rate for the securities increases the estimated value of the securities at any time and has an adverse effect on the economic terms of the securities. </font></FONT></FONT></P>
                <P style="text-align: justify; 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: #4F81BD; font-size: 9.0pt; ">&#65517;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>BNS&#8217; initial estimated value of the securities does not represent future values of the securities and may differ from others&#8217; (including SCUSA&#8217;s) estimates.</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> BNS&#8217; initial estimated value of the securities was determined by reference to its internal pricing models when the terms of the securities were set. These pricing models consider certain factors, such as BNS&#8217; internal funding rate on the pricing date, the expected term of the securities, market conditions and other relevant factors existing at that time, and BNS&#8217; assumptions about market parameters, which can include volatility of the underlying index, dividend rates, interest rates and other factors. Different pricing models and assumptions (including the pricing models and assumptions used by SCUSA) could provide valuations for the securities that are different, and perhaps materially lower, from BNS&#8217; initial estimated value. Therefore, the price at which SCUSA would buy or sell your securities (if SCUSA makes a market, which it is not obligated to do) may be materially lower than BNS&#8217; initial estimated value. In addition, market conditions and other relevant factors in the future may change, and any assumptions may prove to be incorrect.</font></FONT></FONT></P>
                <P style="text-align: justify; 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: #4F81BD; font-size: 9.0pt; ">&#65517;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>The securities have limited liquidity.</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> The securities will not be listed on any securities exchange or automated quotation system. Therefore, there may be little or no secondary market for the securities. SCUSA and any other affiliates of BNS intend, but are not required, to make a market in the securities. Even if there is a secondary market, it may not provide enough liquidity to allow you to trade or sell the securities easily. Because we do not expect that other broker-dealers will participate in the secondary market for the securities, the price at which you may be able to trade your securities is likely to depend on the price, if any, at which SCUSA is willing to purchase the securities from you. If at any time SCUSA does not make a market in the securities, it is likely that there would be no secondary market for the securities. Accordingly, you should be willing to hold your securities to maturity.</font></FONT></FONT></P>
                <P style="text-align: justify; 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: #4F81BD; font-size: 9.0pt; ">&#65517;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>The price at which SCUSA would buy or sell your securities (if SCUSA makes a market, which it is not obligated to do) will be based on SCUSA&#8217;s estimated value of your securities.</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> SCUSA&#8217;s estimated value of the securities is determined by reference to its pricing models and takes into account BNS&#8217; internal funding rate. The price at which SCUSA would initially buy or sell your securities in the secondary market (if SCUSA makes a market, which it is not obligated to do) exceeds SCUSA&#8217;s estimated value of your securities at the time of pricing. As agreed by SCUSA and the distribution participants, this excess is expected to decline to zero over the period specified under &#8220;Additional Information About the securities &#8212; Supplemental information regarding plan of distribution (conflicts of interest); secondary markets (if any)&#8221;. Thereafter, if SCUSA buys or sells your securities it will do so at prices that reflect the estimated value determined by reference to SCUSA&#8217;s pricing models at that time. The price at which SCUSA will buy or sell your securities at any time also will reflect its then-current bid and ask spread for similar sized trades of structured notes. If SCUSA calculated its estimated value of your securities by reference to BNS&#8217; credit spreads or the borrowing rate BNS would pay for its conventional fixed-rate debt securities (as opposed to BNS&#8217; internal funding rate), the price at which SCUSA would buy or sell your securities (if SCUSA makes a market, which it is not obligated to do) could be significantly lower.</font></FONT></FONT></P>
                <P style="padding-left: 19.8pt; text-align: justify; margin-top: 6.6pt; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>SCUSA&#8217;s pricing models consider certain variables, including principally BNS&#8217; internal funding rate, interest rates (forecasted, current and historical rates), the volatility of the underlying index, price-sensitivity analysis and the time to maturity of the securities. These pricing models are proprietary and rely in part on certain assumptions about future events, which may prove to be incorrect. As a result, the actual value you would receive if you sold your securities in the secondary market, if any, to others may differ, perhaps materially, from the estimated value of the securities determined by reference to SCUSA&#8217;s models, taking into account BNS&#8217; internal funding rate, due to, among other things, any differences in pricing models or assumptions used by others. See &#8220;&#8212; The price of the </font></FONT></P>
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                <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; color: #296DC1; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>December 2025</font></FONT><FONT style="font-family: Arial, sans-serif; color: #296DC1; font-size: 8.0pt; width: 400pt; display: inline-block; ">&nbsp;</FONT><FONT style="font-family: Arial, sans-serif; color: #296DC1; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>Page </font><FONT>10</FONT></FONT></P>
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                            <P style="margin-top: 0; margin-bottom: 0; "><FONT style="color: #296DC1; font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>$11,359,000 Auto-Callable Trigger PLUS Based on the Value of the S&amp;P 500</font></FONT><FONT style="color: #296DC1; vertical-align: super; font-family: Arial, sans-serif; font-size: 7pt; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="color: #296DC1; font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> Index due December 9, 2027</font></FONT></P>
                            <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; color: #808080; font-size: 8.0pt; font-weight: bold; "><font style='white-space: pre-wrap;'>Trigger Performance Leveraged Upside Securities</font></FONT><FONT style="font-family: Arial, sans-serif; color: #808080; font-size: 6pt; vertical-align: super; font-weight: bold; "><font style='white-space: pre-wrap;'>SM</font></FONT></P>
                            <P style="margin-top: 0; margin-bottom: 0; "><FONT style="color: #808080; font-size: 7.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>Principal at Risk Securities</font></FONT></P>
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                <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; ">&nbsp;</FONT></P>
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            <DIV style="width: 514.80pt; padding: 10pt 79.20pt 10pt 79.20pt; position: relative; margin-bottom: 20pt; ">
                <P style="padding-left: 19.8pt; text-align: justify; margin-top: 6.6pt; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>securities prior to maturity will depend on a number of factors and may be substantially less than the stated principal amount&#8221; herein.</font></FONT></P>
                <P style="padding-left: 19.8pt; text-align: justify; margin-top: 6.6pt; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>In addition to the factors discussed above, the value and quoted price of the securities at any time will reflect many factors and cannot be predicted. If SCUSA makes a market in the securities, the price quoted by SCUSA would reflect any changes in market conditions and other relevant factors, including any deterioration in BNS&#8217; creditworthiness or perceived creditworthiness. These changes may adversely affect the value of the securities, including the price you may receive for the securities in any market making transaction. To the extent that SCUSA makes a market in the securities, the quoted price will reflect the estimated value determined by reference to SCUSA&#8217;s pricing models at that time, plus or minus SCUSA&#8217;s then current bid and ask spread for similar sized trades of structured notes (and subject to the declining excess amount described above). </font></FONT></P>
                <P style="padding-left: 19.8pt; text-align: justify; margin-top: 6.6pt; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Furthermore, if you sell your securities, you will likely be charged a commission for secondary market transactions, or the price will likely reflect a dealer discount. This commission or discount will further reduce the proceeds you would receive for your securities in a secondary market sale.</font></FONT></P>
                <P style="padding-left: 19.8pt; text-align: justify; margin-top: 6.6pt; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>There is no assurance that SCUSA or any other party will be willing to purchase your securities at any price and, in this regard, SCUSA is not obligated to make a market in the securities. See &#8220;&#8212; The securities have limited liquidity&#8221; herein.</font></FONT></P>
                <P style="margin-top: 4.4pt; text-align: justify; 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-family: Arial, sans-serif; font-weight: normal; font-style: normal; color: #296DC1; font-size: 5.0pt; ">&#9632;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>The price of the securities</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> </font></FONT><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>prior to maturity will depend on a number of factors and may be substantially less than the stated principal</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> </font></FONT><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>amount</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>. The price at which the securities may be sold prior to maturity will depend on a number of factors. Some of these factors include, but are not limited to: (i) actual or anticipated changes in the value of the underlying index over the full term of the securities, (ii) volatility of the value of the underlying index and the index constituent stocks and the market's perception of future volatility of the foregoing, (iii) changes in interest rates generally, (iv) any actual or anticipated changes in our credit ratings or credit spreads, (v) dividend yields on the index constituent stocks and (vi) time remaining to maturity. In particular, because the provisions of the securities relating to the early redemption feature and the payment at maturity behave like options, the value of the securities will vary in ways which are non-linear and may not be intuitive.</font></FONT></FONT></P>
                <P style="padding-left: 19.8pt; margin-top: 4.4pt; text-align: justify; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Depending on the actual or anticipated value of the underlying index and other relevant factors, the market value of the securities may decrease and you may receive substantially less than the stated principal amount if you sell your securities prior to maturity regardless of the value of the underlying index at such time.</font></FONT></P>
                <P style="padding-left: 19.8pt; margin-top: 4.4pt; text-align: justify; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>See &#8220;Additional Risk Factors Specific to the Notes &#8212; Risks Relating to Liquidity &#8212; The Market Value of Your Notes May Be Influenced by Many Unpredictable Factors&#8221; in the accompanying product supplement.</font></FONT></P>
                <P style="margin-top: 13.2pt; margin-bottom: 6.6pt; padding-left: 19.8pt; text-align: center; "><FONT style="font-weight: bold; font-style: italic; font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Risks Relating to General Credit Characteristics</font></FONT></P>
                <P style="text-align: justify; 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: #4F81BD; font-size: 9.0pt; ">&#65517;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Payments on the securities are subject to the credit risk of BNS.</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> The securities are senior unsecured debt obligations of BNS and are not, either directly or indirectly, an obligation of any third party. Any payment to be made on the </font></FONT><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>securities, including any repayment of principal, depends on the ability of BNS to satisfy its obligations as they come due.</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> As a result, BNS&#8217; actual and perceived creditworthiness may affect the market value of the securities. If BNS were to default on its obligations, you may not receive any amounts owed to you under the terms of the securities and you could lose your entire investment in the securities.</font></FONT></FONT></P>
                <P style="margin-top: 13.2pt; margin-bottom: 6.6pt; padding-left: 19.8pt; text-align: center; "><FONT style="font-weight: bold; font-style: italic; font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Risks Relating to Hedging Activities and Conflicts of Interest</font></FONT></P>
                <P style="margin-top: 4.4pt; text-align: justify; 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-family: Arial, sans-serif; font-weight: normal; font-style: normal; color: #296DC1; font-size: 5.0pt; ">&#9632;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Hedging activities by BNS and SCUSA may negatively impact investors in the securities</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> </font></FONT><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>and cause our respective interests and those of our clients and counterparties to be contrary to those of investors in the securities.</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> We, SCUSA or one or more of our other affiliates has hedged or expects to hedge our obligations under the securities. Such hedging transactions may include entering into swap or similar agreements, purchasing shares of the index constituent stocks and/or purchasing futures, options and/or other instruments linked to the underlying index and/or one or more of the index constituent stocks. We, SCUSA or one or more of our other affiliates also expects to adjust the hedge by, among other things, purchasing or selling any of the foregoing, and perhaps other instruments linked to the underlying index and/or one or more of the index constituent stocks, at any time and from time to time, and to unwind the hedge by selling any of the foregoing on or before the final determination date. We, SCUSA or one or more of our other affiliates may also enter into, adjust and unwind hedging transactions relating to other basket- or index-linked securities whose returns are linked to changes in the value of the underlying index and/or one or more of the index constituent stocks. Any of these hedging activities may adversely affect the value of the underlying index&#8212;directly or indirectly by affecting the price of their index constituent stocks &#8212; and therefore the market value of the securities and the amount you will receive, if any, on the securities. </font></FONT></FONT></P>
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                <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; color: #296DC1; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>December 2025</font></FONT><FONT style="font-family: Arial, sans-serif; color: #296DC1; font-size: 8.0pt; width: 400pt; display: inline-block; ">&nbsp;</FONT><FONT style="font-family: Arial, sans-serif; color: #296DC1; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>Page </font><FONT>11</FONT></FONT></P>
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                            <P style="margin-top: 0; margin-bottom: 0; "><FONT style="color: #296DC1; font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>$11,359,000 Auto-Callable Trigger PLUS Based on the Value of the S&amp;P 500</font></FONT><FONT style="color: #296DC1; vertical-align: super; font-family: Arial, sans-serif; font-size: 7pt; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="color: #296DC1; font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> Index due December 9, 2027</font></FONT></P>
                            <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; color: #808080; font-size: 8.0pt; font-weight: bold; "><font style='white-space: pre-wrap;'>Trigger Performance Leveraged Upside Securities</font></FONT><FONT style="font-family: Arial, sans-serif; color: #808080; font-size: 6pt; vertical-align: super; font-weight: bold; "><font style='white-space: pre-wrap;'>SM</font></FONT></P>
                            <P style="margin-top: 0; margin-bottom: 0; "><FONT style="color: #808080; font-size: 7.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>Principal at Risk Securities</font></FONT></P>
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                <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; ">&nbsp;</FONT></P>
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            <DIV style="width: 514.80pt; padding: 10pt 79.20pt 10pt 79.20pt; position: relative; margin-bottom: 20pt; ">
                <P style="padding-left: 19.8pt; margin-top: 4.4pt; text-align: justify; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>You should expect that these transactions will cause BNS, SCUSA or our other affiliates, or our clients or counterparties, to have economic interests and incentives that do not align with, and that may be directly contrary to, those of an investor in the securities. None of BNS, SCUSA or any of our other affiliates will have any obligation to take, refrain from taking or cease taking any action with respect to these transactions based on the potential effect on an investor in the securities, and any of the foregoing may receive substantial returns with respect to these hedging activities while the value of, and return on, the securities declines.</font></FONT></P>
                <P style="margin-top: 4.4pt; text-align: justify; 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-family: Arial, sans-serif; font-weight: normal; font-style: normal; color: #296DC1; font-size: 5.0pt; ">&#9632;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>We, SCUSA and our other affiliates regularly provide services to, or otherwise have business relationships with, a broad client base, which has included and may include us and the index constituent stock issuers and the market activities by us, SCUSA or our other affiliates for our or their own respective accounts or for our clients could negatively impact investors in the securities.</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> We, SCUSA and our other affiliates regularly provide a wide range of financial services, including financial advisory, investment advisory and transactional services to a substantial and diversified client base. As such, we each may act as an investor, investment banker, research provider, investment manager, investment advisor, market maker, trader, prime broker or lender. In those and other capacities, we, SCUSA and/or our other affiliates purchase, sell or hold a broad array of investments, actively trade securities (including the securities or other securities that we have issued), the index constituent stocks, derivatives, loans, credit default swaps, indices, baskets and other financial instruments and products for our or their own respective accounts or for the accounts of our customers, and we will have other direct or indirect interests, in those securities and in other markets that may not be consistent with your interests and may adversely affect the value of the underlying index and/or the value of the securities. You should assume that we or they will, at present or in the future, provide such services or otherwise engage in transactions with, among others, us and the index constituent stock issuers, or transact in securities or instruments or with parties that are directly or indirectly related to these entities. These services could include making loans to or equity investments in those companies, providing financial advisory or other investment banking services, or issuing research reports. Any of these financial market activities may, individually or in the aggregate, have an adverse effect on the value of the underlying index and the market for your securities, and you should expect that our interests and those of SCUSA and/or our other affiliates, clients or counterparties, will at times be adverse to those of investors in the securities.</font></FONT></FONT></P>
                <P style="padding-left: 19.8pt; margin-top: 4.4pt; text-align: justify; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>You should expect that we, SCUSA, and our other affiliates, in providing these services, engaging in such transactions, or acting for our or their own respective accounts, may take actions that have direct or indirect effects on the securities or other securities that we may issue, the index constituent stocks, other securities or instruments similar to or linked to the foregoing, and that such actions could be adverse to the interests of investors in the securities. In addition, in connection with these activities, certain personnel within us, SCUSA or our other affiliates may have access to confidential material non-public information about these parties that would not be disclosed to investors in the securities.</font></FONT></P>
                <P style="padding-left: 19.8pt; margin-top: 4.4pt; text-align: justify; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>We, SCUSA and our other affiliates regularly offer a wide array of securities, financial instruments and other products into the marketplace, including existing or new products that are similar to the securities or other securities that we may issue, the index constituent stocks or other securities or instruments similar to or linked to the foregoing. Investors in the securities should expect that we, SCUSA and our other affiliates offer securities, financial instruments, and other products that may compete with the securities for liquidity or otherwise.</font></FONT></P>
                <P style="margin-top: 4.4pt; text-align: justify; 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-family: Arial, sans-serif; font-weight: normal; font-style: normal; color: #296DC1; font-size: 5.0pt; ">&#9632;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Activities conducted by BNS and its affiliates may impact the value of the underlying index and the value of the securities</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>. Trading or transactions by BNS, SCUSA or our other affiliates in the underlying index or any index constituent stocks, listed and/or over-the-counter options, futures, exchange-traded funds or other instruments with returns linked to the performance of the underlying index or any index constituent stocks may adversely affect the value of the underlying index or index constituent stocks and, therefore, the market value of the securities. See &#8220;&#8212; </font>&nbsp;&nbsp;&nbsp;&nbsp;</FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Hedging</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 8.0pt; "></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> activities by BNS and SCUSA may negatively impact investors in the securities and cause our respective interests and those of our clients and counterparties to be contrary to those of investors in the securities&#8221; for additional information regarding hedging-related transactions and trading.</font></FONT></FONT></P>
                <P style="margin-top: 4.4pt; text-align: justify; 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-family: Arial, sans-serif; font-weight: normal; font-style: normal; color: #296DC1; font-size: 5.0pt; ">&#9632;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>The calculation agent will have significant discretion with respect to the securities, which may be exercised in a manner that is adverse to your interests</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>. The calculation agent will be an affiliate of BNS. The calculation agent will determine whether the early redemption payment is payable to you on any early redemption date and the payment at maturity of the securities, if any, based on observed index closing values of the underlying index on the relevant determination date. The calculation agent can postpone the determination of the index closing value or final index value (and therefore the related early redemption date or maturity date, as applicable) if a market disruption event occurs and is continuing with respect to the underlying index on any determination date (including the final determination date).</font></FONT></FONT></P>
                <P style="margin-top: 4.4pt; text-align: justify; 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-family: Arial, sans-serif; font-weight: normal; font-style: normal; color: #296DC1; font-size: 5.0pt; ">&#9632;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 9.0pt; "></FONT><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>BNS</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 8.0pt; "></FONT><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> and its affiliates may publish research or make opinions or recommendations that are inconsistent with an investment in the securities</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>. BNS, SCUSA and our other affiliates may publish research from time to time on financial markets and other matters that may influence the value of the securities, or express opinions or provide recommendations that are inconsistent with purchasing or holding the securities. Any research, opinions or recommendations expressed by BNS, SCUSA or our other affiliates may not be consistent with each other and may be modified from time to time without notice. Investors should make their own independent investigation of the merits of investing in the securities and the underlying index to which the securities are linked.</font></FONT></FONT></P>
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                <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; color: #296DC1; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>December 2025</font></FONT><FONT style="font-family: Arial, sans-serif; color: #296DC1; font-size: 8.0pt; width: 400pt; display: inline-block; ">&nbsp;</FONT><FONT style="font-family: Arial, sans-serif; color: #296DC1; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>Page </font><FONT>12</FONT></FONT></P>
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            <DIV style="width: 514.80pt; padding: 23.76pt 79.20pt 0 79.20pt; min-height: 15.84pt; position: relative; ">
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                            <P style="text-align: right; margin-top: 0; margin-bottom: 0; "><FONT style="font-size: 4.5pt; font-family: Arial, sans-serif; color: #888888; ">                                    <IMG width="166.59pt" height="23.87pt" src="image1.gif" style="width: 166.59pt; height: 23.87pt; ">
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                        <TD style="padding-top: 0.0pt; padding-left: 0.55pt; padding-right: 0.55pt; padding-bottom: 0.0pt; border-bottom:  1.00pt solid #296DC1; border-top:  1.00pt solid #296DC1; ">
                            <P style="margin-top: 0; margin-bottom: 0; "><FONT style="color: #296DC1; font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>$11,359,000 Auto-Callable Trigger PLUS Based on the Value of the S&amp;P 500</font></FONT><FONT style="color: #296DC1; vertical-align: super; font-family: Arial, sans-serif; font-size: 7pt; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="color: #296DC1; font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> Index due December 9, 2027</font></FONT></P>
                            <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; color: #808080; font-size: 8.0pt; font-weight: bold; "><font style='white-space: pre-wrap;'>Trigger Performance Leveraged Upside Securities</font></FONT><FONT style="font-family: Arial, sans-serif; color: #808080; font-size: 6pt; vertical-align: super; font-weight: bold; "><font style='white-space: pre-wrap;'>SM</font></FONT></P>
                            <P style="margin-top: 0; margin-bottom: 0; "><FONT style="color: #808080; font-size: 7.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>Principal at Risk Securities</font></FONT></P>
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                <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: 514.80pt; padding: 10pt 79.20pt 10pt 79.20pt; position: relative; margin-bottom: 20pt; ">
                <P style="margin-top: 13.2pt; margin-bottom: 6.6pt; padding-left: 19.8pt; text-align: center; "><FONT style="font-weight: bold; font-style: italic; font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Risks Relating to Canadian and U.S. Federal Income Taxation</font></FONT></P>
                <P style="text-align: justify; 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: #4F81BD; font-size: 9.0pt; ">&#65517;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Uncertain tax treatment. </font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Significant aspects of the tax treatment of the securities are uncertain. You should consult your tax advisor about your tax situation. See &#8220;Additional Information About the Securities &#8212; Tax Considerations&#8221; and &#8220;&#8212; Material Canadian Income Tax Consequences&#8221; herein.</font></FONT></FONT></P>
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            <DIV style="width: 514.80pt; padding: 0 79.20pt 15.84pt 79.20pt; min-height: 23.76pt; position: relative; ">
                <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; color: #296DC1; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>December 2025</font></FONT><FONT style="font-family: Arial, sans-serif; color: #296DC1; font-size: 8.0pt; width: 400pt; display: inline-block; ">&nbsp;</FONT><FONT style="font-family: Arial, sans-serif; color: #296DC1; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>Page </font><FONT>13</FONT></FONT></P>
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            <DIV style="width: 514.80pt; padding: 23.76pt 79.20pt 0 79.20pt; min-height: 15.84pt; position: relative; ">
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                            <P style="text-align: right; margin-top: 0; margin-bottom: 0; "><FONT style="font-size: 4.5pt; font-family: Arial, sans-serif; color: #888888; ">                                    <IMG width="166.59pt" height="23.87pt" src="image1.gif" style="width: 166.59pt; height: 23.87pt; ">
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                        <TD style="padding-top: 0.0pt; padding-left: 0.55pt; padding-right: 0.55pt; padding-bottom: 0.0pt; border-bottom:  1.00pt solid #296DC1; border-top:  1.00pt solid #296DC1; ">
                            <P style="margin-top: 0; margin-bottom: 0; "><FONT style="color: #296DC1; font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>$11,359,000 Auto-Callable Trigger PLUS Based on the Value of the S&amp;P 500</font></FONT><FONT style="color: #296DC1; vertical-align: super; font-family: Arial, sans-serif; font-size: 7pt; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="color: #296DC1; font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> Index due December 9, 2027</font></FONT></P>
                            <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; color: #808080; font-size: 8.0pt; font-weight: bold; "><font style='white-space: pre-wrap;'>Trigger Performance Leveraged Upside Securities</font></FONT><FONT style="font-family: Arial, sans-serif; color: #808080; font-size: 6pt; vertical-align: super; font-weight: bold; "><font style='white-space: pre-wrap;'>SM</font></FONT></P>
                            <P style="margin-top: 0; margin-bottom: 0; "><FONT style="color: #808080; font-size: 7.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>Principal at Risk Securities</font></FONT></P>
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                <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; ">&nbsp;</FONT></P>
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            <DIV style="width: 514.80pt; padding: 10pt 79.20pt 10pt 79.20pt; position: relative; margin-bottom: 20pt; ">
                <P style="text-align: justify; margin-top: 19.8pt; margin-bottom: 0; margin-left: 0.00pt; text-indent: -0.00pt; "><!--[if IE]<FONT style="display: inline-block; width: 0.00pt; text-indent: -0.00pt; "><![endif]--><FONT style="display: inline-block; width: 0.00pt; text-indent: 0; text-align: left; font-family: Arial, sans-serif; color: #0070C0; font-size: 14.0pt; "></FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; color: #0070C0; "></FONT><FONT style="font-family: Arial, sans-serif; color: #0070C0; font-size: 14.0pt; "></FONT><FONT style="font-family: Arial, sans-serif; color: #0070C0; font-size: 14.0pt; "><font style='white-space: pre-wrap;'>Information</font></FONT><FONT style="font-family: Times New Roman, Times, serif; color: black; font-size: 8.0pt; "></FONT><FONT style="font-family: Arial, sans-serif; color: #0070C0; font-size: 14.0pt; "><font style='white-space: pre-wrap;'> About the Underlying Index</font></FONT></FONT></P>
                <P style="margin-top: 6.6pt; text-align: justify; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; color: black; font-size: 9.0pt; font-weight: bold; "><font style='white-space: pre-wrap;'>All disclosures contained in this document regarding the underlying index are derived from publicly available information. BNS has not conducted any independent review or due diligence of any publicly available information with respect to the underlying index. You should make your own investigation into the underlying index.</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-weight: bold; color: #296DC1; "><font style='white-space: pre-wrap;'>S&amp;P 500</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 7pt; vertical-align: super; font-weight: bold; color: #296DC1; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; font-weight: bold; color: #296DC1; "><font style='white-space: pre-wrap;'> Index</font></FONT></P>
                <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; "><FONT style="font-family: Arial, sans-serif; font-weight: normal; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>We have derived all information contained herein regarding the underlying index, including without limitation, its make-up, method of calculation and changes in its components from publicly available information. Such information reflects the policies of, and is subject to change by, S&amp;P Dow Jones Indices LLC (the &#8220;index sponsor&#8221;) and/or its affiliates.</font></FONT></P>
                <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; "><FONT style="font-family: Arial, sans-serif; font-weight: normal; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>The underlying index includes a representative sample of 500 companies in leading industries of the U.S. economy and is intended to provide a performance benchmark for the large-cap U.S. equity markets. Please see &#8220;Indices&#8212;The S&amp;P 500</font></FONT><FONT style="font-family: Arial, sans-serif; font-weight: normal; font-size: 7pt; vertical-align: super; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Arial, sans-serif; font-weight: normal; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> Index&#8221; in the accompanying underlier supplement for additional information regarding the underlying index, the index sponsor and our license agreement with respect to the underlying index. Additional information regarding the underlying index, including its sectors, sector weightings and top constituents, may be available on the index sponsor&#8217;s website.</font></FONT></P>
                <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; font-weight: bold; "><font style='white-space: pre-wrap;'>Information as of market close on December 5, 2025:</font></FONT></P>
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                            <P style="margin-top: 3.3pt; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #296DC1; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Bloomberg Ticker Symbol:</font></FONT></P>
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                            <P style="margin-top: 3.3pt; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>SPX &lt;Index&gt;</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: 3.3pt; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #296DC1; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>52 Week High (on October 28, 2025):</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: 3.3pt; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>6,890.89</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; min-height: 10.84pt; ">
                        <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: 3.3pt; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #296DC1; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Current Index 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: 3.3pt; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>6,870.40</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: 3.3pt; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #296DC1; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>52 Week Low (on April 8, 2025):</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: 3.3pt; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>4,982.77</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; min-height: 16.72pt; ">
                        <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: 3.3pt; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #296DC1; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>52 Weeks Ago (on December 5, 2024):</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: 3.3pt; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>6,075.11</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: 3.3pt; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #296DC1; 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: 3.3pt; 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>
                </TABLE>
            </DIV>
            <DIV style="width: 514.80pt; padding: 0 79.20pt 15.84pt 79.20pt; min-height: 23.76pt; position: relative; ">
                <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; color: #296DC1; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>December 2025</font></FONT><FONT style="font-family: Arial, sans-serif; color: #296DC1; font-size: 8.0pt; width: 400pt; display: inline-block; ">&nbsp;</FONT><FONT style="font-family: Arial, sans-serif; color: #296DC1; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>Page </font><FONT>14</FONT></FONT></P>
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        <DIV style="page-break-after: always; border-bottom: 1pt solid black; ">
            <P></P>
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        <DIV style="margin: auto; width: 673.20pt; padding: 36pt 0; ">
            <DIV style="width: 514.80pt; padding: 23.76pt 79.20pt 0 79.20pt; min-height: 15.84pt; position: relative; ">
                <TABLE width="100.00%" style="margin-left: -0.55pt; width: 100.00%; table-layout: fixed; border-collapse: collapse; ">
                    <TR>
                        <TD width="110.00%" style="width: 110.00%; border: 0; margin: 0; padding: 0; height: 0; ">
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 0.55pt; padding-right: 0.55pt; padding-bottom: 0.0pt; ">
                            <P style="text-align: right; margin-top: 0; margin-bottom: 0; "><FONT style="font-size: 4.5pt; font-family: Arial, sans-serif; color: #888888; ">                                    <IMG width="166.59pt" height="23.87pt" src="image1.gif" style="width: 166.59pt; height: 23.87pt; ">
                                    </FONT></P>
&nbsp;
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 0.55pt; padding-right: 0.55pt; padding-bottom: 0.0pt; border-bottom:  1.00pt solid #296DC1; border-top:  1.00pt solid #296DC1; ">
                            <P style="margin-top: 0; margin-bottom: 0; "><FONT style="color: #296DC1; font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>$11,359,000 Auto-Callable Trigger PLUS Based on the Value of the S&amp;P 500</font></FONT><FONT style="color: #296DC1; vertical-align: super; font-family: Arial, sans-serif; font-size: 7pt; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="color: #296DC1; font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> Index due December 9, 2027</font></FONT></P>
                            <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; color: #808080; font-size: 8.0pt; font-weight: bold; "><font style='white-space: pre-wrap;'>Trigger Performance Leveraged Upside Securities</font></FONT><FONT style="font-family: Arial, sans-serif; color: #808080; font-size: 6pt; vertical-align: super; font-weight: bold; "><font style='white-space: pre-wrap;'>SM</font></FONT></P>
                            <P style="margin-top: 0; margin-bottom: 0; "><FONT style="color: #808080; font-size: 7.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>Principal at Risk Securities</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 style="width: 514.80pt; padding: 10pt 79.20pt 10pt 79.20pt; position: relative; margin-bottom: 20pt; ">
                <P style="margin-top: 19.8pt; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; color: #0070C0; font-size: 14.0pt; "><font style='white-space: pre-wrap;'>Historical</font></FONT><FONT style="font-family: Times New Roman, Times, serif; color: black; font-size: 8.0pt; "></FONT><FONT style="font-family: Arial, sans-serif; color: #0070C0; font-size: 14.0pt; "><font style='white-space: pre-wrap;'> Information</font></FONT></P>
                <P style="margin-top: 6.6pt; margin-bottom: 11.0pt; text-align: justify; text-indent: 0.0pt; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>The table below sets forth the published high and low index closing values, as well as the end-of-quarter index closing values, of the underlying index for the specified period. The index closing value of the underlying index on December 5, 2025 was 6,870.40. The graph below sets forth the index closing values of the underlying index for each day from January 1, 2020 through December 5, 2025. The dotted line represents the trigger level of 5,496.32, which is equal to 80% of the initial index value. We obtained the information in the table below from Bloomberg Professional</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 7pt; vertical-align: super; "><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;'> service (&#8220;Bloomberg&#8221;), without independent verification. BNS has not undertaken an independent review or due diligence of any publicly available information obtained from Bloomberg. </font></FONT><FONT style="font-family: Arial, sans-serif; font-style: italic; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>The historical performance of the underlying index should not be taken as an indication of its future performance, and no assurance can be given as to the index closing value of the underlying index at any time, including the determination dates.</font></FONT></P>
                <TABLE width="100.00%" style="margin-left: 0.0pt; width: 100.00%; table-layout: fixed; border-collapse: collapse; ">
                    <TR>
                        <TD width="48.40%" style="width: 48.40%; border: 0; margin: 0; padding: 0; height: 0; ">
                        </TD>
                        <TD width="20.53%" style="width: 20.53%; border: 0; margin: 0; padding: 0; height: 0; ">
                        </TD>
                        <TD width="20.53%" style="width: 20.53%; border: 0; margin: 0; padding: 0; height: 0; ">
                        </TD>
                        <TD width="20.53%" style="width: 20.53%; border: 0; margin: 0; padding: 0; height: 0; ">
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 0.0pt; border-right:  1.00pt solid #FFFFFF; background-color: #296DC1; ">
                            <P style="background-color: #296DC1; padding-left: 3.96pt; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #FFFFFF; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>S&amp;P 500</font></FONT><FONT style="font-family: Arial, sans-serif; vertical-align: super; font-weight: bold; color: #FFFFFF; font-size: 7pt; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #FFFFFF; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> Index</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 0.0pt; border-left:  1.00pt solid #FFFFFF; border-right:  1.00pt solid #FFFFFF; background-color: #296DC1; ">
                            <P style="background-color: #296DC1; padding-left: 3.96pt; text-align: center; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #FFFFFF; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>High</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 0.0pt; border-left:  1.00pt solid #FFFFFF; border-right:  1.00pt solid #FFFFFF; background-color: #296DC1; ">
                            <P style="background-color: #296DC1; padding-left: 3.96pt; text-align: center; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #FFFFFF; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Low</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 0.0pt; border-left:  1.00pt solid #FFFFFF; background-color: #296DC1; ">
                            <P style="background-color: #296DC1; padding-left: 3.96pt; text-align: center; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #FFFFFF; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Period End</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 0.0pt; background-color: #D9E7F7; ">
                            <P style="padding-left: 4.29pt; margin-top: 3.3pt; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #296DC1; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>2020</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 0.0pt; background-color: #D9E7F7; vertical-align: bottom; ">
                            <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;'>&nbsp;</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 0.0pt; background-color: #D9E7F7; vertical-align: bottom; ">
                            <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;'>&nbsp;</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 0.0pt; background-color: #D9E7F7; vertical-align: bottom; ">
                            <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;'>&nbsp;</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 0.0pt; ">
                            <P style="padding-left: 19.8pt; margin-top: 3.3pt; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>First Quarter</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 0.0pt; vertical-align: middle; ">
                            <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;'>3,386.15</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 0.0pt; vertical-align: middle; ">
                            <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;'>2,237.40</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 0.0pt; vertical-align: middle; ">
                            <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;'>2,584.59</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 0.0pt; ">
                            <P style="padding-left: 19.8pt; margin-top: 3.3pt; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Second Quarter</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 0.0pt; vertical-align: middle; ">
                            <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;'>3,232.39</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 0.0pt; vertical-align: middle; ">
                            <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;'>2,470.50</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 0.0pt; vertical-align: middle; ">
                            <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;'>3,100.29</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 0.0pt; ">
                            <P style="padding-left: 19.8pt; margin-top: 3.3pt; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Third Quarter</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 0.0pt; vertical-align: middle; ">
                            <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;'>3,580.84</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 0.0pt; vertical-align: middle; ">
                            <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;'>3,115.86</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 0.0pt; vertical-align: middle; ">
                            <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;'>3,363.00</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 0.0pt; ">
                            <P style="padding-left: 19.8pt; margin-top: 3.3pt; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Fourth Quarter</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 0.0pt; vertical-align: middle; ">
                            <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;'>3,756.07</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 0.0pt; vertical-align: middle; ">
                            <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;'>3,269.96</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 0.0pt; vertical-align: middle; ">
                            <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;'>3,756.07</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 0.0pt; background-color: #D9E7F7; ">
                            <P style="padding-left: 4.29pt; margin-top: 3.3pt; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #296DC1; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>2021</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 0.0pt; background-color: #D9E7F7; vertical-align: middle; ">
                            <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;'>&nbsp;</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 0.0pt; background-color: #D9E7F7; vertical-align: middle; ">
                            <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;'>&nbsp;</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 0.0pt; background-color: #D9E7F7; vertical-align: middle; ">
                            <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;'>&nbsp;</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 0.0pt; ">
                            <P style="padding-left: 19.8pt; margin-top: 3.3pt; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>First Quarter</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 0.0pt; vertical-align: middle; ">
                            <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;'>3,974.54</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 0.0pt; vertical-align: middle; ">
                            <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;'>3,700.65</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 0.0pt; vertical-align: middle; ">
                            <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;'>3,972.89</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 0.0pt; ">
                            <P style="padding-left: 19.8pt; margin-top: 3.3pt; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Second Quarter</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 0.0pt; vertical-align: middle; ">
                            <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;'>4,297.50</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 0.0pt; vertical-align: middle; ">
                            <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;'>4,019.87</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 0.0pt; vertical-align: middle; ">
                            <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;'>4,297.50</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 0.0pt; ">
                            <P style="padding-left: 19.8pt; margin-top: 3.3pt; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Third Quarter</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 0.0pt; vertical-align: middle; ">
                            <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;'>4,536.95</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 0.0pt; vertical-align: middle; ">
                            <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;'>4,258.49</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 0.0pt; vertical-align: middle; ">
                            <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;'>4,307.54</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 0.0pt; ">
                            <P style="padding-left: 19.8pt; margin-top: 3.3pt; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Fourth Quarter</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 0.0pt; vertical-align: middle; ">
                            <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;'>4,793.06</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 0.0pt; vertical-align: middle; ">
                            <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;'>4,300.46</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 0.0pt; vertical-align: middle; ">
                            <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;'>4,766.18</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 0.0pt; background-color: #D9E7F7; ">
                            <P style="padding-left: 4.29pt; margin-top: 3.3pt; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #296DC1; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>2022</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 0.0pt; background-color: #DEEAF6; vertical-align: middle; ">
                            <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;'>&nbsp;</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 0.0pt; background-color: #DEEAF6; vertical-align: middle; ">
                            <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;'>&nbsp;</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 0.0pt; background-color: #DEEAF6; vertical-align: middle; ">
                            <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;'>&nbsp;</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; min-height: 15.35pt; ">
                        <TD style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 0.0pt; ">
                            <P style="padding-left: 19.8pt; margin-top: 3.3pt; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>First Quarter</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 0.0pt; vertical-align: middle; ">
                            <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;'>4,796.56</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 0.0pt; vertical-align: middle; ">
                            <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;'>4,170.70</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 0.0pt; vertical-align: middle; ">
                            <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;'>4,530.41</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 0.0pt; ">
                            <P style="padding-left: 19.8pt; margin-top: 3.3pt; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Second Quarter</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 0.0pt; vertical-align: middle; ">
                            <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;'>4,582.64</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 0.0pt; vertical-align: middle; ">
                            <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;'>3,666.77</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 0.0pt; vertical-align: middle; ">
                            <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;'>3,785.38</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 0.0pt; ">
                            <P style="padding-left: 19.8pt; margin-top: 3.3pt; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Third Quarter</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 0.0pt; vertical-align: middle; ">
                            <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;'>4,305.20</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 0.0pt; vertical-align: middle; ">
                            <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;'>3,585.62</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 0.0pt; vertical-align: middle; ">
                            <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;'>3,585.62</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 0.0pt; ">
                            <P style="padding-left: 19.8pt; margin-top: 3.3pt; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Fourth Quarter </font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 0.0pt; vertical-align: middle; ">
                            <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;'>4,080.11</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 0.0pt; vertical-align: middle; ">
                            <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;'>3,577.03</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 0.0pt; vertical-align: middle; ">
                            <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;'>3,839.50</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 0.0pt; background-color: #DEEAF6; ">
                            <P style="padding-left: 4.29pt; margin-top: 3.3pt; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #296DC1; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>2023</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 0.0pt; background-color: #DEEAF6; vertical-align: middle; ">
                            <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;'>&nbsp;</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 0.0pt; background-color: #DEEAF6; vertical-align: middle; ">
                            <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;'>&nbsp;</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 0.0pt; background-color: #DEEAF6; vertical-align: middle; ">
                            <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;'>&nbsp;</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; min-height: 15.35pt; ">
                        <TD style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 0.0pt; ">
                            <P style="padding-left: 19.8pt; margin-top: 3.3pt; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>First Quarter </font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 0.0pt; vertical-align: middle; ">
                            <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;'>4,179.76</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 0.0pt; vertical-align: middle; ">
                            <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;'>3,808.10</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 0.0pt; vertical-align: middle; ">
                            <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;'>4,109.31</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 0.0pt; ">
                            <P style="padding-left: 19.8pt; margin-top: 3.3pt; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Second Quarter</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 0.0pt; vertical-align: middle; ">
                            <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;'>4,450.38</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 0.0pt; vertical-align: middle; ">
                            <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;'>4,055.99</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 0.0pt; vertical-align: middle; ">
                            <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;'>4,450.38</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 0.0pt; ">
                            <P style="padding-left: 19.8pt; margin-top: 3.3pt; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Third Quarter</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 0.0pt; vertical-align: middle; ">
                            <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;'>4,588.96</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 0.0pt; vertical-align: middle; ">
                            <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;'>4,273.53</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 0.0pt; vertical-align: middle; ">
                            <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;'>4,288.05</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 0.0pt; ">
                            <P style="padding-left: 19.8pt; margin-top: 3.3pt; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Fourth Quarter </font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 0.0pt; vertical-align: middle; ">
                            <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;'>4,783.35</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 0.0pt; vertical-align: middle; ">
                            <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;'>4,117.37</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 0.0pt; vertical-align: middle; ">
                            <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;'>4,769.83</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 0.0pt; background-color: #DEEAF6; ">
                            <P style="padding-left: 4.29pt; margin-top: 3.3pt; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #296DC1; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>2024</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 0.0pt; background-color: #DEEAF6; vertical-align: middle; ">
                            <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;'>&nbsp;</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 0.0pt; background-color: #DEEAF6; vertical-align: middle; ">
                            <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;'>&nbsp;</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 0.0pt; background-color: #DEEAF6; vertical-align: middle; ">
                            <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;'>&nbsp;</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 0.0pt; ">
                            <P style="padding-left: 19.8pt; margin-top: 3.3pt; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>First Quarter </font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 0.0pt; vertical-align: middle; ">
                            <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;'>5,254.35</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 0.0pt; vertical-align: middle; ">
                            <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;'>4,688.68</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 0.0pt; vertical-align: middle; ">
                            <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;'>5,254.35</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 0.0pt; ">
                            <P style="padding-left: 19.8pt; margin-top: 3.3pt; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Second Quarter </font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 0.0pt; vertical-align: middle; ">
                            <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;'>5,487.03</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 0.0pt; vertical-align: middle; ">
                            <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;'>4,967.23</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 0.0pt; vertical-align: middle; ">
                            <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;'>5,460.48</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 0.0pt; ">
                            <P style="padding-left: 19.8pt; margin-top: 3.3pt; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Third Quarter</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 0.0pt; vertical-align: middle; ">
                            <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;'>5,762.48</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 0.0pt; vertical-align: middle; ">
                            <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;'>5,186.33</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 0.0pt; vertical-align: middle; ">
                            <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;'>5,762.48</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 0.0pt; ">
                            <P style="padding-left: 19.8pt; margin-top: 3.3pt; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Fourth Quarter</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 0.0pt; vertical-align: middle; ">
                            <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;'>6,090.27</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 0.0pt; vertical-align: middle; ">
                            <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;'>5,695.94</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 0.0pt; vertical-align: middle; ">
                            <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;'>5,881.63</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 0.0pt; background-color: #DEEAF6; ">
                            <P style="padding-left: 4.29pt; margin-top: 3.3pt; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #296DC1; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>2025</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 0.0pt; background-color: #DEEAF6; vertical-align: middle; ">
                            <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;'>&nbsp;</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 0.0pt; background-color: #DEEAF6; vertical-align: middle; ">
                            <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;'>&nbsp;</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 0.0pt; background-color: #DEEAF6; vertical-align: middle; ">
                            <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;'>&nbsp;</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 0.0pt; ">
                            <P style="padding-left: 19.8pt; margin-top: 3.3pt; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>First Quarter </font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 0.0pt; vertical-align: middle; ">
                            <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;'>6,144.15</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 0.0pt; vertical-align: middle; ">
                            <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;'>5,521.52</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 0.0pt; vertical-align: middle; ">
                            <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;'>5,611.85</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 0.0pt; ">
                            <P style="padding-left: 19.8pt; margin-top: 3.3pt; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Second Quarter </font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 0.0pt; vertical-align: middle; ">
                            <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;'>6,204.95</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 0.0pt; vertical-align: middle; ">
                            <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;'>4,982.77</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 0.0pt; vertical-align: middle; ">
                            <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;'>6,204.95</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 0.0pt; ">
                            <P style="padding-left: 19.8pt; margin-top: 3.3pt; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Third Quarter </font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 0.0pt; vertical-align: middle; ">
                            <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;'>6,693.75</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 0.0pt; vertical-align: middle; ">
                            <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;'>6,198.01</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 0.0pt; vertical-align: middle; ">
                            <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;'>6,688.46</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 0.0pt; ">
                            <P style="padding-left: 19.8pt; margin-top: 3.3pt; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Fourth Quarter (through December 5, 2025)</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 0.0pt; vertical-align: middle; ">
                            <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;'>6,890.89</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 0.0pt; vertical-align: middle; ">
                            <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;'>6,538.76</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 0.0pt; vertical-align: middle; ">
                            <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;'>6,870.40</font></FONT></P>
                        </TD>
                    </TR>
                </TABLE>
            </DIV>
            <DIV style="width: 514.80pt; padding: 0 79.20pt 15.84pt 79.20pt; min-height: 23.76pt; position: relative; ">
                <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; color: #296DC1; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>December 2025</font></FONT><FONT style="font-family: Arial, sans-serif; color: #296DC1; font-size: 8.0pt; width: 400pt; display: inline-block; ">&nbsp;</FONT><FONT style="font-family: Arial, sans-serif; color: #296DC1; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>Page </font><FONT>15</FONT></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: 514.80pt; padding: 23.76pt 79.20pt 0 79.20pt; min-height: 15.84pt; position: relative; ">
                <TABLE width="100.00%" style="margin-left: -0.55pt; width: 100.00%; table-layout: fixed; border-collapse: collapse; ">
                    <TR>
                        <TD width="110.00%" style="width: 110.00%; border: 0; margin: 0; padding: 0; height: 0; ">
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 0.55pt; padding-right: 0.55pt; padding-bottom: 0.0pt; ">
                            <P style="text-align: right; margin-top: 0; margin-bottom: 0; "><FONT style="font-size: 4.5pt; font-family: Arial, sans-serif; color: #888888; ">                                    <IMG width="166.59pt" height="23.87pt" src="image1.gif" style="width: 166.59pt; height: 23.87pt; ">
                                    </FONT></P>
&nbsp;
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 0.55pt; padding-right: 0.55pt; padding-bottom: 0.0pt; border-bottom:  1.00pt solid #296DC1; border-top:  1.00pt solid #296DC1; ">
                            <P style="margin-top: 0; margin-bottom: 0; "><FONT style="color: #296DC1; font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>$11,359,000 Auto-Callable Trigger PLUS Based on the Value of the S&amp;P 500</font></FONT><FONT style="color: #296DC1; vertical-align: super; font-family: Arial, sans-serif; font-size: 7pt; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="color: #296DC1; font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> Index due December 9, 2027</font></FONT></P>
                            <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; color: #808080; font-size: 8.0pt; font-weight: bold; "><font style='white-space: pre-wrap;'>Trigger Performance Leveraged Upside Securities</font></FONT><FONT style="font-family: Arial, sans-serif; color: #808080; font-size: 6pt; vertical-align: super; font-weight: bold; "><font style='white-space: pre-wrap;'>SM</font></FONT></P>
                            <P style="margin-top: 0; margin-bottom: 0; "><FONT style="color: #808080; font-size: 7.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>Principal at Risk Securities</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 style="width: 514.80pt; padding: 10pt 79.20pt 10pt 79.20pt; position: relative; margin-bottom: 20pt; ">
                <TABLE width="496.10pt" style="margin-left: auto; width: 496.10pt; table-layout: fixed; border-collapse: collapse; margin-right: auto; ">
                    <TR>
                        <TD width="496.10pt" style="width: 496.10pt; border: 0; margin: 0; padding: 0; height: 0; ">
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; min-height: 15.40pt; ">
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; background-color: #DCEBF4; vertical-align: middle; ">
                            <P style="text-align: center; margin-top: 1.65pt; margin-bottom: 1.65pt; line-height: 10.0pt; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #296DC1; font-size: 8.5pt; "><font style='white-space: pre-wrap;'>S</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-weight: normal; color: black; font-size: 8.0pt; "></FONT><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #296DC1; font-size: 8.5pt; "><font style='white-space: pre-wrap;'>&amp;P 500</font></FONT><FONT style="font-family: Arial, sans-serif; vertical-align: super; font-weight: bold; color: #296DC1; font-size: 6pt; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #296DC1; font-size: 8.5pt; "><font style='white-space: pre-wrap;'> Index &#8211; Daily Index Closing Values</font></FONT></P>
                            <P style="text-align: center; margin-top: 1.65pt; margin-bottom: 1.65pt; line-height: 10.0pt; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #296DC1; font-size: 8.5pt; "><font style='white-space: pre-wrap;'>January 1, 2020 to December 5, 2025 </font></FONT></P>
                        </TD>
                    </TR>
                </TABLE>
                <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;'>&nbsp;</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; ">                        <IMG width="466.29pt" height="237.11pt" src="image2.gif" style="width: 466.29pt; height: 237.11pt; ">
                        </FONT></P>
                <P style="margin-top: 6.6pt; text-align: justify; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>This document relates only to the securities offered hereby and does not relate to the underlying index or other securities linked to the underlying index. We have derived all disclosures contained in this document regarding the underlying index from the publicly available documents described in the preceding paragraphs. In connection with the offering of the securities, none of us or any of our affiliates have participated in the preparation of such documents or made any due diligence inquiry with respect to the underlying index.</font></FONT></P>
                <P style="margin-top: 11.0pt; text-align: justify; margin-bottom: 0; margin-left: 0.00pt; text-indent: -0.00pt; "><!--[if IE]<FONT style="display: inline-block; width: 0.00pt; text-indent: -0.00pt; "><![endif]--><FONT style="display: inline-block; width: 0.00pt; text-indent: 0; text-align: left; font-family: Arial, sans-serif; color: #0070C0; font-size: 14.0pt; "></FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: black; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Neither the issuer nor any of its affiliates makes any representation to you as to the performance of the underlying index.</font></FONT></FONT></P>
            </DIV>
            <DIV style="width: 514.80pt; padding: 0 79.20pt 15.84pt 79.20pt; min-height: 23.76pt; position: relative; ">
                <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; color: #296DC1; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>December 2025</font></FONT><FONT style="font-family: Arial, sans-serif; color: #296DC1; font-size: 8.0pt; width: 400pt; display: inline-block; ">&nbsp;</FONT><FONT style="font-family: Arial, sans-serif; color: #296DC1; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>Page </font><FONT>16</FONT></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: 514.80pt; padding: 23.76pt 79.20pt 0 79.20pt; min-height: 15.84pt; position: relative; ">
                <TABLE width="100.00%" style="margin-left: -0.55pt; width: 100.00%; table-layout: fixed; border-collapse: collapse; ">
                    <TR>
                        <TD width="110.00%" style="width: 110.00%; border: 0; margin: 0; padding: 0; height: 0; ">
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 0.55pt; padding-right: 0.55pt; padding-bottom: 0.0pt; ">
                            <P style="text-align: right; margin-top: 0; margin-bottom: 0; "><FONT style="font-size: 4.5pt; font-family: Arial, sans-serif; color: #888888; ">                                    <IMG width="166.59pt" height="23.87pt" src="image1.gif" style="width: 166.59pt; height: 23.87pt; ">
                                    </FONT></P>
&nbsp;
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 0.55pt; padding-right: 0.55pt; padding-bottom: 0.0pt; border-bottom:  1.00pt solid #296DC1; border-top:  1.00pt solid #296DC1; ">
                            <P style="margin-top: 0; margin-bottom: 0; "><FONT style="color: #296DC1; font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>$11,359,000 Auto-Callable Trigger PLUS Based on the Value of the S&amp;P 500</font></FONT><FONT style="color: #296DC1; vertical-align: super; font-family: Arial, sans-serif; font-size: 7pt; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="color: #296DC1; font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> Index due December 9, 2027</font></FONT></P>
                            <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; color: #808080; font-size: 8.0pt; font-weight: bold; "><font style='white-space: pre-wrap;'>Trigger Performance Leveraged Upside Securities</font></FONT><FONT style="font-family: Arial, sans-serif; color: #808080; font-size: 6pt; vertical-align: super; font-weight: bold; "><font style='white-space: pre-wrap;'>SM</font></FONT></P>
                            <P style="margin-top: 0; margin-bottom: 0; "><FONT style="color: #808080; font-size: 7.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>Principal at Risk Securities</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 style="width: 514.80pt; padding: 10pt 79.20pt 10pt 79.20pt; position: relative; margin-bottom: 20pt; ">
                <P style="margin-top: 11.0pt; margin-bottom: 0; margin-left: 0.00pt; text-indent: -0.00pt; "><!--[if IE]<FONT style="display: inline-block; width: 0.00pt; text-indent: -0.00pt; "><![endif]--><FONT style="display: inline-block; width: 0.00pt; text-indent: 0; text-align: left; font-family: Arial, sans-serif; color: #0070C0; font-size: 14.0pt; "></FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; color: #0070C0; font-size: 14.0pt; "><font style='white-space: pre-wrap;'>Additional Information About the Securities</font></FONT></FONT></P>
                <P style="margin-top: 3.3pt; text-align: justify; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: normal; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Please read this information in conjunction with the summary terms on the front cover of this document.</font></FONT></P>
                <TABLE width="540.92pt" style=" margin-left: -0pt; width: 540.92pt; table-layout: fixed; border-collapse: collapse; ">
                    <TR>
                        <TD width="149.88pt" style="width: 149.88pt; border: 0; margin: 0; padding: 0; height: 0; ">
                        </TD>
                        <TD width="188.10pt" style="width: 188.10pt; border: 0; margin: 0; padding: 0; height: 0; ">
                        </TD>
                        <TD width="202.95pt" style="width: 202.95pt; 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; ">
                        <TD colspan="3" style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; background-color: #0070C0; ">
                            <P style="margin-top: 3.3pt; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; color: #FFFFFF; font-weight: bold; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Additional Provisions:</font></FONT></P>
                        </TD>
                        <TD>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; ">
                            <P style="margin-top: 3.3pt; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #0070C0; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>Record date:</font></FONT></P>
                        </TD>
                        <TD colspan="3" style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; ">
                            <P style="margin-top: 3.3pt; text-align: justify; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>The record date for each early redemption date shall be the date one business day prior to such scheduled early redemption date.</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; background-color: #DEEAF6; ">
                            <P style="margin-top: 3.3pt; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #0070C0; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>Trustee:</font></FONT></P>
                        </TD>
                        <TD colspan="3" style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; background-color: #DEEAF6; ">
                            <P style="margin-top: 3.3pt; text-align: justify; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>Computershare Trust Company, N.A.</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; ">
                            <P style="margin-top: 3.3pt; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #0070C0; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>Calculation agent:</font></FONT></P>
                        </TD>
                        <TD colspan="3" style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; ">
                            <P style="margin-top: 3.3pt; text-align: justify; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>Scotia Capital Inc.</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; background-color: #DEEAF6; ">
                            <P style="margin-top: 3.3pt; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #0070C0; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>Trading day:</font></FONT></P>
                        </TD>
                        <TD colspan="3" style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; background-color: #DEEAF6; ">
                            <P style="margin-top: 3.3pt; text-align: justify; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>As specified in the product supplement under &#8220;General Terms of the Notes &#8212; Special Calculation Provisions &#8212; Trading Day&#8221;.</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; ">
                            <P style="margin-top: 3.3pt; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #0070C0; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>Business day:</font></FONT></P>
                        </TD>
                        <TD colspan="3" style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; ">
                            <P style="margin-top: 3.3pt; text-align: justify; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>As specified in the product supplement under &#8220;General Terms of the Notes &#8212; Special Calculation Provisions &#8212; Business Day&#8221;.</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; background-color: #DEEAF6; ">
                            <P style="margin-top: 3.3pt; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 8.0pt; color: #296DC1; "><font style='white-space: pre-wrap;'>Tax redemption:</font></FONT></P>
                        </TD>
                        <TD colspan="3" style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; background-color: #DEEAF6; ">
                            <P style="text-align: justify; margin-top: 3.3pt; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>Notwithstanding anything to the contrary in the accompanying product supplement, the provisions set forth under &#8220;General Terms of the Notes &#8212; Payment of Additional Amounts&#8221; and &#8220;General Terms of the Notes &#8212; Tax Redemption&#8221; shall not apply to the securities.</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; ">
                            <P style="margin-top: 3.3pt; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #0070C0; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>Canadian bail-in:</font></FONT></P>
                        </TD>
                        <TD colspan="3" style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; ">
                            <P style="margin-top: 3.3pt; text-align: justify; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>The securities are not bail-inable debt securities under the CDIC Act.</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD rowspan="14" style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; background-color: #DEEAF6; ">
                            <P style="margin-top: 3.3pt; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #0070C0; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>Terms incorporated:</font></FONT></P>
                        </TD>
                        <TD colspan="3" style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; background-color: #DEEAF6; ">
                            <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; text-align: justify; "><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>All of the terms appearing above the item under the caption &#8220;General Terms of the Notes&#8221; in the accompanying product supplement, as modified by this document, and for purposes of the foregoing, the terms used herein mean the corresponding terms as defined in the accompanying product supplement, as specified below:</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; background-color: #DEEAF6; vertical-align: middle; ">
                            <P style="text-align: center; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-style: italic; text-decoration-style: solid; text-decoration-line: underline; font-size: 8.0pt; "><U><font style='white-space: pre-wrap;'>Term used herein</font></U></FONT></P>
                        </TD>
                        <TD colspan="2" style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; background-color: #DEEAF6; vertical-align: middle; ">
                            <P style="text-align: center; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-style: italic; text-decoration-style: solid; text-decoration-line: underline; font-size: 8.0pt; "><U><font style='white-space: pre-wrap;'>Corresponding term in the accompanying product supplement</font></U></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; background-color: #DEEAF6; ">
                            <P style="text-align: justify; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>underlying index</font></FONT></P>
                        </TD>
                        <TD colspan="2" style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; background-color: #DEEAF6; ">
                            <P style="text-align: justify; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>reference asset</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; background-color: #DEEAF6; ">
                            <P style="text-align: justify; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>index constituent stocks</font></FONT></P>
                        </TD>
                        <TD colspan="2" style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; background-color: #DEEAF6; ">
                            <P style="text-align: justify; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>reference asset constituents</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; background-color: #DEEAF6; ">
                            <P style="text-align: justify; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>stated principal amount</font></FONT></P>
                        </TD>
                        <TD colspan="2" style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; background-color: #DEEAF6; ">
                            <P style="text-align: justify; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>principal amount</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; background-color: #DEEAF6; ">
                            <P style="text-align: justify; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>original issue date</font></FONT></P>
                        </TD>
                        <TD colspan="2" style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; background-color: #DEEAF6; ">
                            <P style="text-align: justify; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>issue date</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; background-color: #DEEAF6; ">
                            <P style="text-align: justify; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>determination dates</font></FONT></P>
                        </TD>
                        <TD colspan="2" style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; background-color: #DEEAF6; ">
                            <P style="text-align: justify; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>valuation dates</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; background-color: #DEEAF6; ">
                            <P style="text-align: justify; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>final determination date</font></FONT></P>
                        </TD>
                        <TD colspan="2" style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; background-color: #DEEAF6; ">
                            <P style="text-align: justify; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>final valuation date</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; background-color: #DEEAF6; ">
                            <P style="text-align: justify; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>index closing value</font></FONT></P>
                        </TD>
                        <TD colspan="2" style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; background-color: #DEEAF6; ">
                            <P style="text-align: justify; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>closing value</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; background-color: #DEEAF6; ">
                            <P style="text-align: justify; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>initial index value</font></FONT></P>
                        </TD>
                        <TD colspan="2" style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; background-color: #DEEAF6; ">
                            <P style="text-align: justify; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>initial value</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; background-color: #DEEAF6; ">
                            <P style="text-align: justify; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>final index value</font></FONT></P>
                        </TD>
                        <TD colspan="2" style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; background-color: #DEEAF6; ">
                            <P style="text-align: justify; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>final value</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; background-color: #DEEAF6; ">
                            <P style="text-align: justify; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>underlying return</font></FONT></P>
                        </TD>
                        <TD colspan="2" style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; background-color: #DEEAF6; ">
                            <P style="text-align: justify; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>reference asset return</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; background-color: #DEEAF6; ">
                            <P style="text-align: justify; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>trigger level</font></FONT></P>
                        </TD>
                        <TD colspan="2" style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; background-color: #DEEAF6; ">
                            <P style="text-align: justify; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>barrier value</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; background-color: #DEEAF6; ">
                            <P style="text-align: justify; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>leverage factor</font></FONT></P>
                        </TD>
                        <TD colspan="2" style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; background-color: #DEEAF6; ">
                            <P style="text-align: justify; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>participation rate</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; ">
                            <P style="margin-top: 3.3pt; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #0070C0; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>Additional information regarding estimated value of the securities:</font></FONT></P>
                        </TD>
                        <TD colspan="3" style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; ">
                            <P style="margin-top: 3.3pt; text-align: justify; 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 pricing supplement, BNS has provided the initial estimated value for the securities. The initial estimated value was determined by reference to BNS&#8217; internal pricing models, which take into consideration certain factors, such as BNS&#8217; internal funding rate on the pricing date and BNS&#8217; assumptions about market parameters. For more information about the initial estimated value, see &#8220;Risk Factors &#8212; Risks Relating to Estimated Value and Liquidity&#8221; herein.</font></FONT></P>
                            <P style="margin-top: 3.3pt; text-align: justify; 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 securities are based on BNS&#8217; internal funding rate, which is the rate BNS would pay to borrow funds through the issuance of similar market-linked securities and the economic terms of certain related hedging arrangements. Due to these factors, the issue price you pay to purchase the securities is greater than the initial estimated value of the securities. BNS&#8217; internal funding rate is typically lower than the rate BNS would pay when it issues conventional fixed rate debt securities as discussed further under &#8220;Risk Factors &#8212; Risks Relating to Estimated Value and Liquidity &#8212; Neither BNS&#8217; nor SCUSA&#8217;s estimated value of the securities at any time is determined by reference to credit spreads or the borrowing rate BNS would pay for its conventional fixed-rate debt securities&#8221;. BNS&#8217; use of its internal funding rate reduces the economic terms of the securities to you. </font></FONT><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>We urge you to read the &#8220;Risk Factors&#8221; in this pricing supplement for additional information.</font></FONT></P>
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                            <P style="margin-top: 3.3pt; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #0070C0; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>Material Canadian income tax consequences:</font></FONT></P>
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                            <P style="margin-top: 3.3pt; text-align: justify; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>See &#8220;Supplemental Discussion of Canadian Tax Consequences&#8221; in the accompanying product supplement for a discussion of the material Canadian income tax consequences of an investment in the securities. 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>
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                <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; color: #296DC1; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>December 2025</font></FONT><FONT style="font-family: Arial, sans-serif; color: #296DC1; font-size: 8.0pt; width: 400pt; display: inline-block; ">&nbsp;</FONT><FONT style="font-family: Arial, sans-serif; color: #296DC1; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>Page </font><FONT>17</FONT></FONT></P>
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                            <P style="margin-top: 0; margin-bottom: 0; "><FONT style="color: #296DC1; font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>$11,359,000 Auto-Callable Trigger PLUS Based on the Value of the S&amp;P 500</font></FONT><FONT style="color: #296DC1; vertical-align: super; font-family: Arial, sans-serif; font-size: 7pt; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="color: #296DC1; font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> Index due December 9, 2027</font></FONT></P>
                            <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; color: #808080; font-size: 8.0pt; font-weight: bold; "><font style='white-space: pre-wrap;'>Trigger Performance Leveraged Upside Securities</font></FONT><FONT style="font-family: Arial, sans-serif; color: #808080; font-size: 6pt; vertical-align: super; font-weight: bold; "><font style='white-space: pre-wrap;'>SM</font></FONT></P>
                            <P style="margin-top: 0; margin-bottom: 0; "><FONT style="color: #808080; font-size: 7.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>Principal at Risk Securities</font></FONT></P>
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                <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; ">&nbsp;</FONT></P>
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                <TABLE width="540.92pt" style=" margin-left: -6.33pt; width: 540.92pt; table-layout: fixed; border-collapse: collapse; ">
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                            <P style="margin-top: 3.3pt; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #0070C0; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>Tax </font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 8.0pt; "></FONT><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #0070C0; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>considerations:</font></FONT></P>
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                            <P style="margin-top: 3.3pt; text-indent: 0.0pt; text-align: justify; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>The U.S. federal income tax consequences of your investment in the securities are uncertain. There are no statutory provisions, regulations, published rulings or judicial decisions addressing the characterization for U.S. federal income tax purposes of securities with terms that are substantially the same as the securities. Some of these tax consequences are summarized below, but we urge you to read the more detailed discussion in &#8220;Material U.S. Federal Income Tax Consequences&#8221;, in the accompanying product supplement and to discuss the tax consequences of your particular situation with your tax advisor.</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; "><font style='white-space: pre-wrap;'> </font></FONT><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>This discussion is based upon the U.S. Internal Revenue Code of 1986, as amended (the &#8220;Code&#8221;), final, temporary and proposed U.S. Department of the Treasury (the &#8220;Treasury&#8221;) regulations, rulings and decisions, in each case, as available and in effect as of the date hereof, all of which are subject to change, possibly with retroactive effect. Tax consequences under state, local and non-U.S. laws are not addressed herein. No ruling from the U.S. Internal Revenue Service (the &#8220;IRS&#8221;) has been sought as to the U.S. federal income tax consequences of your investment in the securities, and the following discussion is not binding on the IRS.</font></FONT></P>
                            <P style="margin-top: 3.3pt; text-indent: 0.0pt; text-align: justify; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-style: italic; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>U.S. Tax Treatment. </font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>Pursuant to the terms of the securities, 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 securities as prepaid derivative contracts with respect to the underlying index. If your securities are so treated, you should generally recognize long-term capital gain or loss if you hold your securities for more than one year (and, otherwise, short-term capital gain or loss) upon the taxable disposition (including cash settlement) of your securities, in an amount equal to the difference between the amount you receive at such time and the amount you paid for your securities. The deductibility of capital losses is subject to limitations.</font></FONT></P>
                            <P style="margin-top: 3.3pt; text-indent: 0.0pt; text-align: justify; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 8.0pt; "><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 securities in the manner described above. However, because there is no authority that specifically addresses the tax treatment of the securities, it is possible that your securities 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 securities could differ materially and adversely from the treatment described above, as described further under &#8220;Material U.S. Federal Income Tax Consequences&#8221;, in the accompanying product supplement.</font></FONT></P>
                            <P style="margin-top: 3.3pt; text-indent: 0.0pt; text-align: justify; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>Except to the extent otherwise required by law, BNS intends to treat your securities 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 Treasury and the IRS determine that some other treatment is more appropriate.</font></FONT></P>
                            <P style="margin-top: 3.3pt; text-indent: 0.0pt; text-align: justify; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-style: italic; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>Notice 2008-2. </font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>In 2007, the IRS released a notice that may affect the taxation of holders of the securities. According to Notice 2008-2, the IRS and the Treasury are considering whether a holder of an instrument such as the securities 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 securities 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 Code 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="margin-top: 3.3pt; text-align: justify; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-style: italic; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>Medicare Tax on Net Investment Income</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; "><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 securities, 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 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 as to the consequences of the 3.8% Medicare tax.</font></FONT></P>
                            <P style="margin-top: 3.3pt; text-align: justify; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-style: italic; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>Specified Foreign Financial Assets. </font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>Certain U.S. holders that own &#8220;specified foreign financial assets&#8221; in excess of an applicable threshold may be subject to reporting obligations with respect to such assets with their tax returns, especially if such assets are held outside the custody of a U.S. financial institution. U.S. holders are urged to consult their tax advisors as to the application of this legislation to their ownership of the securities.</font></FONT></P>
                            <P style="margin-top: 3.3pt; text-align: justify; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-style: italic; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>Non-U.S. Holders. </font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>Subject to Section 871(m) of the Code and &#8220;FATCA&#8221;, discussed below, if you are a non-U.S. holder you should generally not be subject to U.S. withholding tax with respect to payments on your securities or to generally applicable information reporting and backup withholding requirements with respect to payments on your securities if you comply with certain certification and identification requirements as to your non-U.S. status (by providing us (and/or the applicable withholding agent) with a fully completed and duly executed applicable IRS Form W-8). Subject to Section 897 of the Code and Section 871(m) of the Code, discussed below, gain realized </font></FONT></P>
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                <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; color: #296DC1; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>December 2025</font></FONT><FONT style="font-family: Arial, sans-serif; color: #296DC1; font-size: 8.0pt; width: 400pt; display: inline-block; ">&nbsp;</FONT><FONT style="font-family: Arial, sans-serif; color: #296DC1; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>Page </font><FONT>18</FONT></FONT></P>
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                            <P style="margin-top: 0; margin-bottom: 0; "><FONT style="color: #296DC1; font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>$11,359,000 Auto-Callable Trigger PLUS Based on the Value of the S&amp;P 500</font></FONT><FONT style="color: #296DC1; vertical-align: super; font-family: Arial, sans-serif; font-size: 7pt; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="color: #296DC1; font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> Index due December 9, 2027</font></FONT></P>
                            <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; color: #808080; font-size: 8.0pt; font-weight: bold; "><font style='white-space: pre-wrap;'>Trigger Performance Leveraged Upside Securities</font></FONT><FONT style="font-family: Arial, sans-serif; color: #808080; font-size: 6pt; vertical-align: super; font-weight: bold; "><font style='white-space: pre-wrap;'>SM</font></FONT></P>
                            <P style="margin-top: 0; margin-bottom: 0; "><FONT style="color: #808080; font-size: 7.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>Principal at Risk Securities</font></FONT></P>
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                            <P style="margin-top: 3.3pt; text-align: justify; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>from the taxable disposition of a securities generally should 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="margin-top: 3.3pt; text-align: justify; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-style: italic; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>Section 897</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>. We will not attempt to ascertain whether any index constituent stock issuer 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 securities 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 securities were so treated, certain adverse U.S. federal income tax consequences could possibly apply, including subjecting any gain to a non-U.S. holder in respect of the securities upon a taxable disposition (including cash settlement) of the securities to the U.S. federal income tax on a net basis, and the proceeds from such a taxable disposition to a 15% withholding tax. Non-U.S. holders should consult their tax advisors regarding the potential treatment of any index constituent stock issuer as a USRPHC and/or the securities as USRPI.</font></FONT></P>
                            <P style="margin-top: 3.3pt; text-align: justify; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; "></FONT><FONT style="font-family: Arial, sans-serif; font-style: italic; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>Section 871(m)</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; "><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="margin-top: 3.3pt; text-align: justify; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>Based on the nature of the underlying index and our determination that the securities are not &#8220;delta-one&#8221; with respect to the underlying index or any index constituent stocks, our special U.S. tax counsel is of the opinion that the securities 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 securities are set. If withholding is required, we will not make payments of any additional amounts.</font></FONT></P>
                            <P style="margin-top: 3.3pt; text-indent: 0.0pt; text-align: justify; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>Nevertheless, after the date the terms are set, it is possible that your securities could be deemed to be reissued for tax purposes upon the occurrence of certain events affecting the underlying index, any index constituent stocks or your securities, and following such occurrence your securities 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 securities under these rules. If you enter, or have entered, into other transactions in respect of the underlying index, any index constituent stocks or the securities, you should consult your tax advisor regarding the application of Section 871(m) of the Code to your securities in the context of your other transactions.</font></FONT></P>
                            <P style="margin-top: 3.3pt; text-align: justify; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>Because of the uncertainty regarding the application of the 30% withholding tax on dividend equivalents to the securities, 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 securities.</font></FONT></P>
                            <P style="margin-top: 3.3pt; text-align: justify; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-style: italic; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>FATCA. </font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; "><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 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="margin-top: 3.3pt; text-align: justify; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; "><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 </font></FONT></P>
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                <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; color: #296DC1; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>December 2025</font></FONT><FONT style="font-family: Arial, sans-serif; color: #296DC1; font-size: 8.0pt; width: 400pt; display: inline-block; ">&nbsp;</FONT><FONT style="font-family: Arial, sans-serif; color: #296DC1; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>Page </font><FONT>19</FONT></FONT></P>
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                            <P style="text-align: right; margin-top: 0; margin-bottom: 0; "><FONT style="font-size: 4.5pt; font-family: Arial, sans-serif; color: #888888; ">                                    <IMG width="166.59pt" height="23.87pt" src="image1.gif" style="width: 166.59pt; height: 23.87pt; ">
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                            <P style="margin-top: 0; margin-bottom: 0; "><FONT style="color: #296DC1; font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>$11,359,000 Auto-Callable Trigger PLUS Based on the Value of the S&amp;P 500</font></FONT><FONT style="color: #296DC1; vertical-align: super; font-family: Arial, sans-serif; font-size: 7pt; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="color: #296DC1; font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> Index due December 9, 2027</font></FONT></P>
                            <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; color: #808080; font-size: 8.0pt; font-weight: bold; "><font style='white-space: pre-wrap;'>Trigger Performance Leveraged Upside Securities</font></FONT><FONT style="font-family: Arial, sans-serif; color: #808080; font-size: 6pt; vertical-align: super; font-weight: bold; "><font style='white-space: pre-wrap;'>SM</font></FONT></P>
                            <P style="margin-top: 0; margin-bottom: 0; "><FONT style="color: #808080; font-size: 7.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>Principal at Risk Securities</font></FONT></P>
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                            <P style="margin-top: 3.3pt; text-align: justify; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>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="margin-top: 3.3pt; text-align: justify; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>Investors should consult their tax advisors about the application of FATCA, in particular if they may be classified as financial institutions (or if they hold their securities through a foreign entity) under the FATCA rules.</font></FONT></P>
                            <P style="margin-top: 3.3pt; text-align: justify; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-style: italic; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>Backup Withholding and Information Reporting.</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; "><font style='white-space: pre-wrap;'> The proceeds received from a taxable disposition of the securities 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="margin-top: 3.3pt; text-align: justify; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; "><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: 3.3pt; text-align: justify; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-style: italic; font-size: 8.0pt; "><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: 8.0pt; "><font style='white-space: pre-wrap;'> The securities may be subject to U.S. federal estate tax if an individual non-U.S. holder holds the securities 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 securities at death.</font></FONT></P>
                            <P style="margin-top: 3.3pt; text-align: justify; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; "></FONT><FONT style="font-family: Arial, sans-serif; font-style: italic; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>Proposed Legislation.</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; "><font style='white-space: pre-wrap;'> In 2007, legislation was introduced in Congress that, if it had been enacted, would have required holders of securities purchased after the bill was enacted to accrue interest income over the term of the securities despite the fact that there will be no interest payments over the term of the securities. </font></FONT></P>
                            <P style="margin-top: 3.3pt; text-align: justify; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; "><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 securities 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: 3.3pt; text-align: justify; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>It is not possible to predict whether any similar or identical bills will be enacted in the future, or whether any such bill would affect the tax treatment of your securities. You are urged to consult your tax advisor regarding the possible changes in law and their possible impact on the tax treatment of your securities.</font></FONT></P>
                            <P style="margin-top: 3.3pt; text-indent: 0.0pt; text-align: justify; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>Both U.S. and non-U.S. holders are urged to consult their tax advisors concerning the application of U.S. federal income tax laws to their particular situations, as well as any tax consequences of the purchase, beneficial ownership and disposition of the securities arising under the laws of any state, local, non-U.S. or other taxing jurisdiction (including that of BNS).</font></FONT></P>
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                            <P style="margin-top: 3.3pt; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #0070C0; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>Supplemental information regarding plan of distribution (conflicts of interest); secondary markets (if any):</font></FONT></P>
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                        <TD colspan="3" style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; background-color: #DEEAF6; ">
                            <P style="text-align: justify; margin-top: 3.3pt; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>SCUSA, our affiliate, has agreed to purchase the securities at the stated principal amount and, as part of the distribution of the securities, has agreed to sell the securities to Morgan Stanley Wealth Management with an underwriting discount of $25.00 reflecting a fixed sales commission of $20.00 and fixed structuring fee of $5.00 per $1,000.00 stated principal amount of securities that Morgan Stanley Wealth Management sells. BNS or an affiliate may also pay a fee to LFT Securities, LLC, an entity in which an affiliate of Morgan Stanley Wealth Management has an ownership interest, for providing certain electronic platform services with respect to this offering.</font></FONT></P>
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                            <P style="text-align: justify; margin-top: 3.3pt; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 8.0pt; color: #296DC1; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
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                        <TD colspan="3" style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; background-color: #DEEAF6; ">
                            <P style="text-align: justify; margin-top: 3.3pt; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>BNS, SCUSA or any other affiliate of BNS may use this document, the accompanying product supplement and the accompanying prospectus in a market-making transaction for any securities after their initial sale. In connection with the offering, BNS, SCUSA, any other affiliate of BNS or any other securities dealers may distribute this document, the accompanying product supplement and the accompanying prospectus electronically. Unless BNS or its agent informs the purchaser otherwise in the confirmation of sale, this document, the accompanying product supplement and the accompanying prospectus are being used in a market-making transaction.</font></FONT></P>
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                            <P style="text-align: justify; margin-top: 3.3pt; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 8.0pt; color: #296DC1; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
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                            <P style="text-align: justify; margin-top: 3.3pt; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>Conflicts of Interest</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; "><font style='white-space: pre-wrap;'> </font></FONT><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>&#8212; </font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>SCUSA is an affiliate of BNS and, as such, has a &#8220;conflict of interest&#8221; in this offering within the meaning of the Financial Industry Regulatory Authority, Inc. (&#8220;FINRA&#8221;) Rule 5121. In addition, BNS will receive the gross proceeds from the initial public offering of the securities, thus creating an additional conflict of interest within the meaning of FINRA Rule 5121. Consequently, the offering is being conducted in compliance with the provisions of FINRA Rule 5121. SCUSA is not permitted to sell securities in this offering to an account over which it exercises discretionary authority without the prior specific written approval of the account holder.</font></FONT></P>
                            <P style="text-align: justify; margin-top: 3.3pt; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>In the ordinary course of their various business activities, SCUSA, and its affiliates may make or hold a broad array of investments and actively trade debt and equity securities (or related derivative securities) and financial instruments (including bank loans) for their own account and for the accounts of their customers, and such investment and securities activities may involve securities and/or instruments of BNS. SCUSA, and its affiliates may also make investment recommendations and/or publish or express independent research views in respect of such securities or instruments and may at any time hold, or recommend to clients that they acquire, long and/or short positions in such securities and instruments. </font></FONT></P>
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                            <P style="text-align: justify; margin-top: 3.3pt; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 8.0pt; color: #296DC1; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
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                            <P style="text-align: justify; margin-top: 3.3pt; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>SCUSA and its affiliates may offer to buy or sell the securities in the secondary market (if any) at prices greater than BNS&#8217; internal valuation</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; "><font style='white-space: pre-wrap;'> </font></FONT><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>&#8212; </font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>The value of the securities at any time will vary based on many factors that cannot be predicted. However, the price (not including </font></FONT></P>
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                <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; color: #296DC1; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>December 2025</font></FONT><FONT style="font-family: Arial, sans-serif; color: #296DC1; font-size: 8.0pt; width: 400pt; display: inline-block; ">&nbsp;</FONT><FONT style="font-family: Arial, sans-serif; color: #296DC1; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>Page </font><FONT>20</FONT></FONT></P>
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                            <P style="margin-top: 0; margin-bottom: 0; "><FONT style="color: #296DC1; font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>$11,359,000 Auto-Callable Trigger PLUS Based on the Value of the S&amp;P 500</font></FONT><FONT style="color: #296DC1; vertical-align: super; font-family: Arial, sans-serif; font-size: 7pt; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="color: #296DC1; font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> Index due December 9, 2027</font></FONT></P>
                            <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; color: #808080; font-size: 8.0pt; font-weight: bold; "><font style='white-space: pre-wrap;'>Trigger Performance Leveraged Upside Securities</font></FONT><FONT style="font-family: Arial, sans-serif; color: #808080; font-size: 6pt; vertical-align: super; font-weight: bold; "><font style='white-space: pre-wrap;'>SM</font></FONT></P>
                            <P style="margin-top: 0; margin-bottom: 0; "><FONT style="color: #808080; font-size: 7.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>Principal at Risk Securities</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>
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                        <TD width="202.95pt" style="width: 202.95pt; border: 0; margin: 0; padding: 0; height: 0; ">
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                        <TD style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; background-color: #DEEAF6; ">
                        </TD>
                        <TD colspan="3" style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; background-color: #DEEAF6; ">
                            <P style="text-align: justify; margin-top: 3.3pt; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>SCUSA&#8217;s or any affiliates&#8217; customary bid-ask spreads) at which SCUSA or any affiliate would offer to buy or sell the securities immediately after the pricing date in the secondary market is expected to exceed the initial estimated value of the securities as determined by reference to our internal pricing models. The amount of the excess will decline to zero on a straight line basis over a period ending no later than 6 weeks after the pricing date, provided that SCUSA may shorten the period based on various factors, including the magnitude of purchases and other negotiated provisions with selling agents. Notwithstanding the foregoing, SCUSA and its affiliates intend, but are not required, to make a market for the securities and may stop making a market at any time. For more information about secondary market offers and the initial estimated value of the securities, see &#8220;Risk Factors&#8221; herein.</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; ">
                            <P style="margin-top: 3.3pt; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #296DC1; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>Prohibition of sales to EEA retail investors</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>:</font></FONT></P>
                        </TD>
                        <TD colspan="3" style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; ">
                            <P style="margin-top: 3.3pt; text-align: justify; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>The securities are not intended to be offered, sold or otherwise made available to and should not be offered, sold or otherwise made available to any retail investor in the European Economic Area (&#8220;EEA&#8221;). For these purposes, a retail investor means a person who is one (or more) of: (i) a retail client as defined in point (11) of Article 4(1) of Directive 2014/65/EU, as amended (&#8220;MiFID II&#8221;); (ii) a customer within the meaning of Directive (EU) 2016/97, as amended, where that customer would not qualify as a professional client as defined in point (10) of Article 4(1) of MiFID II; or (iii) not a qualified investor as defined in Regulation (EU) 2017/1129, as amended. Consequently no key information document required by Regulation (EU) No 1286/2014, as amended (the &#8220;PRIIPs Regulation&#8221;), for offering or selling the securities or otherwise making them available to retail investors in the EEA has been prepared and therefore offering or selling the securities or otherwise making them available to any retail investor in the EEA may be unlawful under the PRIIPs Regulation.</font></FONT></P>
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                        <TD style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; background-color: #DEEAF6; ">
                            <P style="margin-top: 3.3pt; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #0070C0; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>Prohibition of sales to United Kingdom retail investors:</font></FONT></P>
                        </TD>
                        <TD colspan="3" style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; background-color: #DEEAF6; ">
                            <P style="text-align: justify; margin-top: 3.3pt; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>The only categories of person in the United Kingdom to whom this document may be distributed are those persons who (i) have professional experience in matters relating to investments falling within the definition of investment professionals (as defined in Article 19(5) of the Financial Services and Markets Act 2000 (Financial Promotion) Order 2005 (as amended, the &#8220;Financial Promotion Order&#8221;)), (ii) are persons falling within Article 49(2)(a) to (d) (&#8220;high net worth companies, unincorporated associations etc.&#8221;) of the Financial Promotion Order, or (iii) are persons to whom an invitation or inducement to engage in investment activity (within the meaning of section 21 of the Financial Services and Markets Act 2000 (&#8220;FSMA&#8221;)) in connection with the issue or sale of any securities may otherwise lawfully be communicated or caused to be communicated (all such persons in (i)-(iii) above together being referred to as &#8220;Relevant Persons&#8221;). This document is directed only at Relevant Persons and must not be acted on or relied on by persons who are not Relevant Persons. Any investment or investment activity to which this document relates is available only to Relevant Persons and will be engaged in only with Relevant Persons. This document may only be provided to persons in the United Kingdom in circumstances where section 21(1) of FSMA does not apply to BNS. The securities are not being offered to &#8220;retail investors&#8221; within the meaning of the Packaged Retail and Insurance-based Investment Products Regulations 2017 and accordingly no Key Information Document has been produced under these regulations.</font></FONT></P>
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                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; ">
                            <P style="margin-top: 3.3pt; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #0070C0; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>Validity of the securities: </font></FONT></P>
                        </TD>
                        <TD colspan="3" style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; ">
                            <P style="text-align: justify; margin-top: 3.3pt; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>In the opinion of Fried, Frank, Harris, Shriver &amp; Jacobson LLP, as special counsel to BNS, when the securities offered by this pricing supplement 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 securities 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). 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. 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 securities, authentication of the securities 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: 3.3pt; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>In the opinion of Osler, Hoskin &amp; Harcourt LLP, the issue and sale of the securities has been duly authorized by all necessary corporate action of BNS in conformity with the Indenture, and when the securities have been duly executed, authenticated and issued in accordance with the Indenture, and delivered against payment therefor, the securities will be validly issued and, to the extent validity of the securities 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 </font></FONT></P>
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            <DIV style="width: 514.80pt; padding: 0 79.20pt 15.84pt 79.20pt; min-height: 23.76pt; position: relative; ">
                <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; color: #296DC1; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>December 2025</font></FONT><FONT style="font-family: Arial, sans-serif; color: #296DC1; font-size: 8.0pt; width: 400pt; display: inline-block; ">&nbsp;</FONT><FONT style="font-family: Arial, sans-serif; color: #296DC1; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>Page </font><FONT>21</FONT></FONT></P>
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                        <TD style="padding-top: 0.0pt; padding-left: 0.55pt; padding-right: 0.55pt; padding-bottom: 0.0pt; ">
                            <P style="text-align: right; margin-top: 0; margin-bottom: 0; "><FONT style="font-size: 4.5pt; font-family: Arial, sans-serif; color: #888888; ">                                    <IMG width="166.59pt" height="23.87pt" src="image1.gif" style="width: 166.59pt; height: 23.87pt; ">
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&nbsp;
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                        <TD style="padding-top: 0.0pt; padding-left: 0.55pt; padding-right: 0.55pt; padding-bottom: 0.0pt; border-bottom:  1.00pt solid #296DC1; border-top:  1.00pt solid #296DC1; ">
                            <P style="margin-top: 0; margin-bottom: 0; "><FONT style="color: #296DC1; font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>$11,359,000 Auto-Callable Trigger PLUS Based on the Value of the S&amp;P 500</font></FONT><FONT style="color: #296DC1; vertical-align: super; font-family: Arial, sans-serif; font-size: 7pt; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="color: #296DC1; font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> Index due December 9, 2027</font></FONT></P>
                            <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; color: #808080; font-size: 8.0pt; font-weight: bold; "><font style='white-space: pre-wrap;'>Trigger Performance Leveraged Upside Securities</font></FONT><FONT style="font-family: Arial, sans-serif; color: #808080; font-size: 6pt; vertical-align: super; font-weight: bold; "><font style='white-space: pre-wrap;'>SM</font></FONT></P>
                            <P style="margin-top: 0; margin-bottom: 0; "><FONT style="color: #808080; font-size: 7.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>Principal at Risk Securities</font></FONT></P>
                        </TD>
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                <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; ">&nbsp;</FONT></P>
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                            <TD colspan="3" style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; ">
                                <P style="text-align: justify; margin-top: 3.3pt; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>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>
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                <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; color: #296DC1; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>December 2025</font></FONT><FONT style="font-family: Arial, sans-serif; color: #296DC1; font-size: 8.0pt; width: 400pt; display: inline-block; ">&nbsp;</FONT><FONT style="font-family: Arial, sans-serif; color: #296DC1; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>Page </font><FONT>22</FONT></FONT></P>
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<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>

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<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_90E_effd--FnlPrspctsFlg_c20251209__20251209_zWIvls8isFui" style="visibility: hidden"><ix:nonNumeric contextRef="AsOf2025-12-09" 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_90C_effd--OfferingTableNa_c20251209__20251209_zWsrBTmUt65d"><span id="xdx_90F_effd--OffsetTableNa_c20251209__20251209_zcoMzJKjPwY7" style="visibility: hidden"><span id="xdx_90B_effd--CombinedProspectusTableNa_c20251209__20251209_zauP7DNDsZsc"><ix:nonNumeric contextRef="AsOf2025-12-09" id="Fact000015" name="ffd:OfferingTableNa"><ix:nonNumeric contextRef="AsOf2025-12-09" id="Fact000016" name="ffd:OffsetTableNa"><ix:nonNumeric contextRef="AsOf2025-12-09" 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>

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<p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 6pt 0 0"><span id="xdx_907_effd--NrrtvDsclsr_c20251209__20251209_zrSuARwEohE1" style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><ix:nonNumeric contextRef="AsOf2025-12-09" 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_90F_effd--NrrtvMaxAggtOfferingPric_c20251209__20251209_zsqJrQzQKC83" style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><ix:nonFraction name="ffd:NrrtvMaxAggtOfferingPric" contextRef="AsOf2025-12-09" id="Fact000019" format="ixt:numdotdecimal" decimals="0" unitRef="USD">11,359,000</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>

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<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
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</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>Dec. 09, 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>
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<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>
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<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ffd_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>
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<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
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<DOCUMENT>
<TYPE>XML
<SEQUENCE>8
<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">
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</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>Dec. 09, 2025 </div>
<div>USD ($)</div>
</th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ffd_FeesSummaryLineItems', window );"><strong>Fees Summary [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ffd_NrrtvDsclsr', window );">Narrative Disclosure</a></td>
<td class="text">The pricing supplement to which this Exhibit is attached is a final prospectus for the related offering.<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ffd_NrrtvMaxAggtOfferingPric', window );">Narrative - Max Aggregate Offering Price</a></td>
<td class="nump">$ 11,359,000<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>
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    <ffd:FeeExhibitTp contextRef="AsOf2025-12-09" id="Fact000012">EX-FILING FEES</ffd:FeeExhibitTp>
    <ffd:RegnFileNb contextRef="AsOf2025-12-09" id="Fact000013">333-282565</ffd:RegnFileNb>
    <ffd:FnlPrspctsFlg contextRef="AsOf2025-12-09" id="Fact000014">true</ffd:FnlPrspctsFlg>
    <ffd:OfferingTableNa contextRef="AsOf2025-12-09" id="Fact000015">N/A</ffd:OfferingTableNa>
    <ffd:OffsetTableNa contextRef="AsOf2025-12-09" id="Fact000016">N/A</ffd:OffsetTableNa>
    <ffd:CombinedProspectusTableNa contextRef="AsOf2025-12-09" id="Fact000017">N/A</ffd:CombinedProspectusTableNa>
    <ffd:NrrtvDsclsr contextRef="AsOf2025-12-09" id="Fact000018">The pricing supplement to which this Exhibit is attached is a final prospectus for the related offering.</ffd:NrrtvDsclsr>
    <ffd:NrrtvMaxAggtOfferingPric
      contextRef="AsOf2025-12-09"
      decimals="0"
      id="Fact000019"
      unitRef="USD">11359000</ffd:NrrtvMaxAggtOfferingPric>
</xbrl>
</XML>
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
