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Form FWP CITIGROUP INC Filed by: CITIGROUP INC

Form FWP BANK OF MONTREAL /CAN/ Filed by: BANK OF MONTREAL /CAN/
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Canada
United-states
Montreal
Quebec
Canadian
Canada-deposit-insurance-corporation
Capital-markets-corp
Us-federal-deposit-insurance-corporation
Exchange-commission
Buffer-enhanced-return-notes-linked
Reference-asset-these

Form 424B2 MORGAN STANLEY
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United-states
New-york
Deposit-insurance-corporation
Goldman-sachs-co
Morgan-stanley-co
Authority-inc
Capital-markets
Davis-polk-wardwell
Financial-industry-regulatory-authority-inc
Nasdaq-inc
Morgan

Form 424B2 BANK OF NOVA SCOTIA
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United-kingdom
United-states
New-york
Canada
Canadian
Bloomberg
Securities-exchange
Neither-the-bank
Llc-gs-co
Canada-deposit-insurance-corporation
None-of-the-bank