Is Unlocked for part NT...but Locked for part MMR

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Thanks, but I do not understand
1. I use City Navigator® Europe NT 2013.40. So, is cityXplorer - Helsinki 2013.10 unlocked for me?
2. What is MMR? So, do I need to make my own UNL anyway?
3. I have Garmin Montana 650t. Is EPM works in it?