<SEC-DOCUMENT>0001839882-25-063197.txt : 20251103
<SEC-HEADER>0001839882-25-063197.hdr.sgml : 20251103
<ACCEPTANCE-DATETIME>20251103170824
ACCESSION NUMBER:		0001839882-25-063197
CONFORMED SUBMISSION TYPE:	424B2
PUBLIC DOCUMENT COUNT:		22
FILED AS OF DATE:		20251103
DATE AS OF CHANGE:		20251103

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			MORGAN STANLEY
		CENTRAL INDEX KEY:			0000895421
		STANDARD INDUSTRIAL CLASSIFICATION:	SECURITY BROKERS, DEALERS & FLOTATION COMPANIES [6211]
		ORGANIZATION NAME:           	02 Finance
		EIN:				363145972
		STATE OF INCORPORATION:			DE
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		424B2
		SEC ACT:		1933 Act
		SEC FILE NUMBER:	333-275587
		FILM NUMBER:		251445136

	BUSINESS ADDRESS:	
		STREET 1:		1585 BROADWAY
		CITY:			NEW YORK
		STATE:			NY
		ZIP:			10036
		BUSINESS PHONE:		212-761-4000

	MAIL ADDRESS:	
		STREET 1:		1585 BROADWAY
		CITY:			NEW YORK
		STATE:			NY
		ZIP:			10036

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	MORGAN STANLEY DEAN WITTER & CO
		DATE OF NAME CHANGE:	19980326

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	DEAN WITTER DISCOVER & CO
		DATE OF NAME CHANGE:	19960315

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			Morgan Stanley Finance LLC
		CENTRAL INDEX KEY:			0001666268
		STANDARD INDUSTRIAL CLASSIFICATION:	ASSET-BACKED SECURITIES [6189]
		ORGANIZATION NAME:           	Office of Structured Finance
		EIN:				363145972
		STATE OF INCORPORATION:			DE
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		424B2
		SEC ACT:		1933 Act
		SEC FILE NUMBER:	333-275587-01
		FILM NUMBER:		251445137

	BUSINESS ADDRESS:	
		STREET 1:		1585 BROADWAY
		CITY:			NEW YORK
		STATE:			NY
		ZIP:			10036
		BUSINESS PHONE:		(212) 761-4000

	MAIL ADDRESS:	
		STREET 1:		1585 BROADWAY
		CITY:			NEW YORK
		STATE:			NY
		ZIP:			10036
</SEC-HEADER>
<DOCUMENT>
<TYPE>424B2
<SEQUENCE>1
<FILENAME>ms11784_424b2-36255.htm
<DESCRIPTION>FINAL PRICING SUPPLEMENT NO. 11,784
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                            <P style="line-height: 1.35; text-align: right; margin-top: 0; margin-bottom: 0; "><FONT style="font-weight: bold; font-size: 7.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>Final Pricing Supplement  No. 11,784</font></FONT></P>
                            <P style="line-height: 1.35; text-align: right; margin-top: 0; margin-bottom: 0; "><FONT style="font-weight: bold; font-size: 7.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>Filed Pursuant to Rule 424(b)(2)</font></FONT></P>
                            <P style="line-height: 1.35; text-align: right; margin-top: 0; margin-bottom: 0; "><FONT style="font-weight: bold; font-size: 7.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>Registration Statement Nos. 333-275587  </font></FONT></P>
                            <P style="line-height: 1.35; text-align: right; margin-top: 0; margin-bottom: 0; "><FONT style="font-weight: bold; font-size: 7.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>and 333-275587-01 </font></FONT></P>
                            <P style="line-height: 1.35; text-align: right; margin-top: 0; margin-bottom: 0; "><FONT style="font-weight: bold; font-size: 7.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>(To Prospectus dated April 12, 2024 and</font></FONT></P>
                            <P style="line-height: 1.35; text-align: right; margin-top: 0; margin-bottom: 0; "><FONT style="font-weight: bold; font-size: 7.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>Product Supplement dated September 23, 2024</font></FONT><FONT style="font-weight: bold; font-size: 6.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>)</font></FONT></P>
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                            <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; "></FONT><FONT style="color: #FFFFFF; font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>$5,645,000</font><BR><font style='white-space: pre-wrap;'>$10 principal amount per unit</font><BR><font style='white-space: pre-wrap;'>CUSIP No. 61778Q732</font><BR><IMG SRC="image_003.jpg" ALT=""><FONT style="width: 103.95pt; height: 16.50pt; ">
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                            <P style="margin-top: 0; margin-bottom: 0; "><FONT style="color: #FFFFFF; font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Pricing Date</font><BR><font style='white-space: pre-wrap;'>Settlement Date</font><BR><font style='white-space: pre-wrap;'>Maturity Date</font></FONT></P>
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                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; background-color: #1F497D; ">
                            <P style="text-align: right; margin-top: 0; margin-bottom: 0; "><FONT style="color: #FFFFFF; font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>October 30, 2025</font><BR><font style='white-space: pre-wrap;'>November 6, 2025</font><BR><font style='white-space: pre-wrap;'>November 6, 2028</font></FONT></P>
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                            <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-size: 1.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
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                            <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-weight: bold; color: #FFFFFF; font-size: 20.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>Morgan Stanley Finance LLC</font></FONT></P>
                            <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-weight: bold; color: #FFFFFF; font-size: 18.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>Autocallable Participation Notes Linked to the S&amp;P 500</font></FONT><FONT style="font-weight: bold; color: #FFFFFF; font-size: 16pt; vertical-align: super; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-weight: bold; color: #FFFFFF; font-size: 18.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'> Index</font></FONT></P>
                            <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-weight: bold; color: #FFFFFF; font-size: 14.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>Fully and Unconditionally Guaranteed by Morgan Stanley</font></FONT></P>
                            <P style="margin-top: 5.5pt; margin-bottom: 0.0pt; margin-left: 31.24pt; text-indent: -15.62pt; "><!--[if IE]<FONT style="display: inline-block; width: 15.62pt; text-indent: -15.62pt; "><![endif]--><FONT style="display: inline-block; width: 15.62pt; text-indent: 0; text-align: left; color: #FFFFFF; font-size: 8.0pt; ">&#65517;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; color: #FFFFFF; "><font style='white-space: pre-wrap;'>Maturity of approximately three years, if not called on the Call Observation Date</font></FONT></FONT></P>
                            <P style="margin-top: 5.5pt; margin-bottom: 0.0pt; margin-left: 31.24pt; text-indent: -15.62pt; "><!--[if IE]<FONT style="display: inline-block; width: 15.62pt; text-indent: -15.62pt; "><![endif]--><FONT style="display: inline-block; width: 15.62pt; text-indent: 0; text-align: left; color: #FFFFFF; font-size: 8.0pt; ">&#65517;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; color: #FFFFFF; "><font style='white-space: pre-wrap;'>Automatic call of the notes at $10.75 if the S&amp;P 500</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 6pt; vertical-align: super; color: #FFFFFF; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; color: #FFFFFF; "><font style='white-space: pre-wrap;'> Index (the &#8220;Market Measure&#8221;) is equal to or greater than 90% of the Starting Value on the Call Observation Date. If the notes are called, on the Call Payment Date you will receive the Call Payment, and no further amounts will be payable on the notes</font></FONT></FONT></P>
                            <P style="margin-top: 5.5pt; margin-bottom: 5.5pt; margin-left: 31.24pt; text-indent: -15.62pt; "><!--[if IE]<FONT style="display: inline-block; width: 15.62pt; text-indent: -15.62pt; "><![endif]--><FONT style="display: inline-block; width: 15.62pt; text-indent: 0; text-align: left; color: #FFFFFF; font-size: 8.0pt; ">&#65517;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-size: 8.0pt; color: #FFFFFF; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>The Call Observation Date will occur approximately one year after the pricing date</font></FONT></FONT></P>
                            <P style="margin-top: 5.5pt; margin-bottom: 0.0pt; margin-left: 31.24pt; text-indent: -15.62pt; "><!--[if IE]<FONT style="display: inline-block; width: 15.62pt; text-indent: -15.62pt; "><![endif]--><FONT style="display: inline-block; width: 15.62pt; text-indent: 0; text-align: left; color: #FFFFFF; font-size: 8.0pt; ">&#65517;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-size: 8.0pt; color: #FFFFFF; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>If not called on the Call Observation Date, at maturity:</font></FONT></FONT></P>
                            <P style="margin-top: 2.2pt; margin-bottom: 2.2pt; margin-left: 39.60pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; color: #FFFFFF; font-size: 8.0pt; ">&#65517;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="color: #FFFFFF; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>If the Ending Value of the Market Measure is equal to or greater than 90% of the Starting Value, you will receive 1-to-1 exposure to increases in the Market Measure from 90% of the Starting Value </font></FONT></FONT></P>
                            <P style="margin-top: 5.5pt; margin-bottom: 0.0pt; margin-left: 39.60pt; text-indent: -15.62pt; "><!--[if IE]<FONT style="display: inline-block; width: 15.62pt; text-indent: -15.62pt; "><![endif]--><FONT style="display: inline-block; width: 15.62pt; text-indent: 0; text-align: left; color: #FFFFFF; font-size: 8.0pt; ">&#65517;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-size: 8.0pt; color: #FFFFFF; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>If the Ending Value of the Market Measure is less than 90% of the Starting Value, 1-to-1 downside exposure to decreases in the Market Measure beyond a 10% decline, with up to 90% of the principal amount at risk</font></FONT></FONT></P>
                            <P style="margin-top: 5.5pt; margin-bottom: 5.5pt; margin-left: 31.24pt; text-indent: -15.62pt; "><!--[if IE]<FONT style="display: inline-block; width: 15.62pt; text-indent: -15.62pt; "><![endif]--><FONT style="display: inline-block; width: 15.62pt; text-indent: 0; text-align: left; color: #FFFFFF; font-size: 8.0pt; ">&#65517;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-size: 8.0pt; color: #FFFFFF; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>All payments are subject to the credit risk of Morgan Stanley Finance LLC, as issuer of the notes, and the credit risk of Morgan Stanley, as guarantor of the notes</font></FONT></FONT></P>
                            <P style="margin-top: 5.5pt; margin-bottom: 0.0pt; margin-left: 31.24pt; text-indent: -15.62pt; "><!--[if IE]<FONT style="display: inline-block; width: 15.62pt; text-indent: -15.62pt; "><![endif]--><FONT style="display: inline-block; width: 15.62pt; text-indent: 0; text-align: left; color: #FFFFFF; font-size: 8.0pt; ">&#65517;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-size: 8.0pt; color: #FFFFFF; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>No periodic interest payments</font></FONT></FONT></P>
                            <P style="margin-top: 5.5pt; margin-bottom: 5.5pt; margin-left: 31.24pt; text-indent: -15.62pt; "><!--[if IE]<FONT style="display: inline-block; width: 15.62pt; text-indent: -15.62pt; "><![endif]--><FONT style="display: inline-block; width: 15.62pt; text-indent: 0; text-align: left; color: #FFFFFF; font-size: 8.0pt; ">&#65517;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-size: 8.0pt; color: #FFFFFF; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>Limited secondary market liquidity, with no exchange listing</font></FONT></FONT></P>
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                <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; line-height: 8.5pt; "><FONT style="font-weight: bold; font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>The notes are being issued by Morgan Stanley Finance LLC (&#8220;MSFL&#8221;) and are fully and unconditionally guaranteed by Morgan Stanley. Investing in the notes involves a number of risks. There are important differences between the notes and a conventional debt security, including different investment risks and certain additional costs. See &#8220;Risk Factors&#8221; beginning on page TS-8 of this pricing supplement and &#8220;Risk Factors&#8221; on page PS-8 of the accompanying product supplement and page 7 of the accompanying prospectus. </font></FONT></P>
                <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; line-height: 8.5pt; "><FONT style="font-weight: bold; font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>The initial estimated value of the notes as of the pricing date is $9.808 </font></FONT><FONT style="font-weight: bold; background-color: white; font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>per unit</font></FONT><FONT style="font-weight: bold; font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>, </font></FONT><FONT style="font-weight: bold; background-color: white; font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>which is less than the public offering price listed below.</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> </font></FONT><FONT style="font-weight: bold; font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>The estimated value of the notes is determined using our own pricing and valuation models, market inputs and assumptions relating to the Market Measure, instruments based on the Market Measure, volatility and other factors including current and expected interest rates, as well as an interest rate related to our secondary market credit spread, which is the implied interest rate at which our conventional fixed rate debt trades in the secondary market. </font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>See &#8220;Summary&#8221; on the following page, &#8220;Risk Factors&#8221; beginning on page TS-8 of this pricing supplement and &#8220;Structuring the Notes&#8221; on page TS-13 of this pricing supplement for additional information. The actual value of your notes at any time will reflect many factors and cannot be predicted with accuracy.</font></FONT></P>
                <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; line-height: 8.5pt; text-align: center; "><FONT style="font-weight: bold; font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>_________________________</font></FONT></P>
                <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; line-height: 8.5pt; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>None of the Securities and Exchange Commission (the &#8220;SEC&#8221;), any state securities commission, or any other regulatory body has approved or disapproved of these notes or determined if this Note Prospectus (as defined below) is truthful or complete. Any representation to the contrary is a criminal offense. The notes are not deposits or savings accounts and are not insured by the Federal Deposit Insurance Corporation or any other governmental agency or instrumentality, nor are they obligations of, or guaranteed by, a bank.</font></FONT></P>
                <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; line-height: 8.5pt; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>You should read this document together with the related product supplement for principal-at-risk notes and prospectus, each of which can be accessed via the hyperlinks below.  As used in this document, &#8220;we,&#8221; &#8220;us&#8221; and &#8220;our&#8221; refer to Morgan Stanley or MSFL, or Morgan Stanley and MSFL collectively, as the context requires.</font></FONT></P>
                <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; text-align: center; "><FONT style="font-weight: bold; font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>_______________________</font></FONT></P>
                <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; "><FONT style="font-weight: bold; font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
                <TABLE width="75.00%" style="margin-left: auto; width: 75.00%; table-layout: fixed; border-collapse: collapse; margin-right: auto; ">
                    <TR>
                        <TD width="183.98pt" style="width: 183.98pt; border: 0; margin: 0; padding: 0; height: 0; ">
                        </TD>
                        <TD width="116.32pt" style="width: 116.32pt; border: 0; margin: 0; padding: 0; height: 0; ">
                        </TD>
                        <TD width="146.14pt" style="width: 146.14pt; border: 0; margin: 0; padding: 0; height: 0; ">
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; ">
                            <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; "><FONT style="font-size: 7.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; ">
                            <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; text-align: center; "><FONT style="font-size: 7.0pt; text-decoration-style: solid; text-decoration-line: underline; font-family: Arial, sans-serif; "><U><font style='white-space: pre-wrap;'>Per Unit</font></U></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; ">
                            <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; text-align: center; "><FONT style="font-size: 7.0pt; text-decoration-style: solid; text-decoration-line: underline; font-family: Arial, sans-serif; "><U><font style='white-space: pre-wrap;'>Total</font></U></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; ">
                            <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; "><FONT style="font-size: 7.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>Public offering </font></FONT><FONT style="font-size: 7.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>price</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; "></FONT><FONT style="font-size: 5pt; vertical-align: super; font-family: Arial, sans-serif; width: 97.35pt; display: inline-block; ">&nbsp;</FONT><FONT style="font-size: 5pt; vertical-align: super; font-family: Arial, sans-serif; "></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; ">
                            <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; text-align: center; "><FONT style="font-size: 7.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>$</font></FONT><FONT style="font-size: 7.0pt; font-family: Arial, sans-serif; width: 12.38pt; display: inline-block; ">&nbsp;</FONT><FONT style="font-size: 7.0pt; font-family: Arial, sans-serif; "></FONT><FONT style="font-size: 7.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>10</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; "></FONT><FONT style="font-size: 7.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>.00</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; ">
                            <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; text-align: center; "><FONT style="font-size: 7.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>$5,645,000</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; ">
                            <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; "><FONT style="font-size: 7.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>Underwriting discount</font></FONT><FONT style="font-size: 5pt; vertical-align: super; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>(</font></FONT><FONT style="font-size: 5pt; vertical-align: super; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>1</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; "></FONT><FONT style="font-size: 5pt; vertical-align: super; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>)</font></FONT><FONT style="font-size: 5pt; vertical-align: super; font-family: Arial, sans-serif; width: 84.97pt; display: inline-block; ">&nbsp;</FONT><FONT style="font-size: 5pt; vertical-align: super; font-family: Arial, sans-serif; "></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; ">
                            <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; text-align: center; "><FONT style="font-size: 7.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>$</font></FONT><FONT style="font-size: 7.0pt; font-family: Arial, sans-serif; width: 16.50pt; display: inline-block; ">&nbsp;</FONT><FONT style="font-size: 7.0pt; font-family: Arial, sans-serif; "></FONT><FONT style="font-size: 7.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>0</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; "></FONT><FONT style="font-size: 7.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>.085</font></FONT></P>
                            <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; text-align: center; "><FONT style="font-size: 7.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>$</font></FONT><FONT style="font-size: 7.0pt; font-family: Arial, sans-serif; width: 16.50pt; display: inline-block; ">&nbsp;</FONT><FONT style="font-size: 7.0pt; font-family: Arial, sans-serif; "></FONT><FONT style="font-size: 7.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>0</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; "></FONT><FONT style="font-size: 7.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>.05</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; ">
                            <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; text-align: center; "><FONT style="font-size: 7.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>$76,207.50</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; ">
                            <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; "><FONT style="font-size: 7.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>Proceeds, before expenses, to MSFL</font></FONT><FONT style="font-size: 5pt; vertical-align: super; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>(</font></FONT><FONT style="font-size: 5pt; vertical-align: super; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>2</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; "></FONT><FONT style="font-size: 5pt; vertical-align: super; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>)</font></FONT><FONT style="font-size: 7.0pt; font-family: Arial, sans-serif; width: 32.17pt; display: inline-block; ">&nbsp;</FONT><FONT style="font-size: 7.0pt; font-family: Arial, sans-serif; "></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; ">
                            <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; text-align: center; "><FONT style="font-size: 7.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>$</font></FONT><FONT style="font-size: 7.0pt; font-family: Arial, sans-serif; width: 16.50pt; display: inline-block; ">&nbsp;</FONT><FONT style="font-size: 7.0pt; font-family: Arial, sans-serif; "></FONT><FONT style="font-size: 7.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>9</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; "></FONT><FONT style="font-size: 7.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>.865</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; ">
                            <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; text-align: center; "><FONT style="font-size: 7.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>$5,568,792.50</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; ">
                            <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; "><FONT style="font-size: 7.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; ">
                            <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; text-align: center; "><FONT style="font-size: 7.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; ">
                            <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; text-align: center; "><FONT style="font-size: 7.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
                        </TD>
                    </TR>
                </TABLE>
                <P style="margin-top: 1.1pt; margin-bottom: 1.1pt; margin-left: 50.98pt; 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-style: italic; font-size: 5.0pt; ">(1)</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-style: italic; font-size: 5.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>The underwriting discount reflects a sales commission of $0.085 per note and a structuring fee of $0.05 per note.</font></FONT></FONT></P>
                <P style="margin-top: 1.1pt; margin-bottom: 1.1pt; margin-left: 50.98pt; 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-style: italic; font-size: 5.0pt; ">(2)</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-style: italic; font-size: 5.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>See &#8220;Use of proceeds and hedging&#8221; in the accompanying product supplement.</font></FONT></FONT></P>
                <P style="margin-top: 1.1pt; margin-bottom: 1.1pt; padding-left: 50.99pt; "><FONT style="font-style: italic; font-size: 7.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
                <P style="margin-top: 1.1pt; margin-bottom: 1.1pt; padding-left: 31.19pt; text-align: center; "><FONT style="font-weight: bold; font-size: 7.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>The notes and the related guarantee:</font></FONT></P>
                <TABLE width="75.00%" style="margin-left: auto; width: 75.00%; table-layout: fixed; border-collapse: collapse; margin-right: auto; ">
                    <TR>
                        <TD width="151.14pt" style="width: 151.14pt; border: 0; margin: 0; padding: 0; height: 0; ">
                        </TD>
                        <TD width="154.94pt" style="width: 154.94pt; border: 0; margin: 0; padding: 0; height: 0; ">
                        </TD>
                        <TD width="149.27pt" style="width: 149.27pt; border: 0; margin: 0; padding: 0; height: 0; ">
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-top:  0.50pt solid black; border-bottom:  0.50pt solid black; border-left:  0.50pt solid black; border-right:  0.50pt solid black; ">
                            <P style="margin-top: 1.1pt; margin-bottom: 1.1pt; text-align: center; "><FONT style="font-weight: bold; font-size: 7.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>Are Not FDIC Insured</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-top:  0.50pt solid black; border-bottom:  0.50pt solid black; border-left:  0.50pt solid black; border-right:  0.50pt solid black; ">
                            <P style="margin-top: 1.1pt; margin-bottom: 1.1pt; text-align: center; "><FONT style="font-weight: bold; font-size: 7.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>Are Not Bank Guaranteed</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-top:  0.50pt solid black; border-bottom:  0.50pt solid black; border-right:  0.50pt solid black; border-left:  0.50pt solid black; ">
                            <P style="margin-top: 1.1pt; margin-bottom: 1.1pt; text-align: center; "><FONT style="font-weight: bold; font-size: 7.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>May Lose Value</font></FONT></P>
                        </TD>
                    </TR>
                </TABLE>
            </DIV>
            <DIV style="width: 595.21pt; padding: 0 39.00pt 23.43pt 39.00pt; min-height: 23.38pt; position: relative; ">
                <P style="text-align: center; margin-top: 5.5pt; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 14.0pt; "><font style='white-space: pre-wrap;'>Morgan Stanley &amp; Co. LLC</font></FONT></P>
                <P style="text-align: center; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>October 30, 2025</font></FONT></P>
                <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 7.0pt; width: 535.36pt; display: inline-block; ">&nbsp;</FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 7.0pt; "></FONT></P>
            </DIV>
        </DIV>
        <DIV style="page-break-after: always; border-bottom: 1pt solid black; ">
            <P></P>
        </DIV>
        <DIV style="margin: auto; width: 673.20pt; padding: 36pt 0; ">
            <DIV style="width: 595.21pt; padding: 31.19pt 39.00pt 0 39.00pt; min-height: 48.02pt; position: relative; ">
                <TABLE width="100.00%" style="margin-left: -5.94pt; width: 100.00%; table-layout: fixed; border-collapse: collapse; ">
                    <TR>
                        <TD width="88.97%" style="width: 88.97%; border: 0; margin: 0; padding: 0; height: 0; ">
                        </TD>
                        <TD width="21.03%" style="width: 21.03%; border: 0; margin: 0; padding: 0; height: 0; ">
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; min-height: 23.32pt; ">
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-bottom:  4.50pt solid #5B862B; ">
                            <P style="margin-top: 0; margin-bottom: 0; "><FONT style="color: #5B862B; font-size: 16.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>Autocallable Participation Notes</font><BR></FONT><FONT style="color: #5B862B; font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Linked to the S&amp;P 500</font></FONT><FONT style="color: #5B862B; vertical-align: super; font-family: Arial, sans-serif; font-size: 7pt; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="color: #5B862B; font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> Index, due November 6, 2028</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-bottom:  4.50pt solid #5B862B; ">
                            <P style="text-align: right; margin-top: 0; margin-bottom: 0; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; ">&nbsp;</FONT></P>
                            <P style="text-align: right; margin-top: 0; margin-bottom: 0; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; ">&nbsp;</FONT></P>
                        </TD>
                    </TR>
                </TABLE>
                <P style="text-align: left; margin-top: 0; margin-bottom: 0; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; ">&nbsp;</FONT></P>
            </DIV>
            <DIV style="width: 595.21pt; padding: 10pt 39.00pt 10pt 39.00pt; position: relative; margin-bottom: 20pt; ">
                <P style="margin-top: 0.0pt; margin-bottom: 0; "><FONT style="color: #5B862B; font-size: 20.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>Summary</font></FONT></P>
                <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>The Autocallable Participation Notes Linked to the S&amp;P 500</font></FONT><FONT style="font-size: 6pt; vertical-align: super; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'> Index, due November 6, 2028 (the &#8220;notes&#8221;) are senior unsecured medium-term notes issued by MSFL. Payments on the notes are fully and unconditionally guaranteed by Morgan Stanley. The notes and the related guarantee are not insured by the Federal Deposit Insurance Corporation or secured by collateral. The notes will rank equally in right of payment with all other unsubordinated and unsecured obligations of MSFL from time to time outstanding, except obligations that are subject to any priorities or preferences by law. The guarantee of the notes will rank equally in right of payment with all other unsubordinated and unsecured obligations of Morgan Stanley, except obligations that are subject to any priorities or preferences by law, and senior in right of payment to its subordinated obligations. </font></FONT><FONT style="font-weight: bold; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>Any payments due on the notes, including any repayment of principal, will be subject to our and Morgan Stanley&#8217;s credit risk. If we default on our obligations under the notes, you could lose some or all of your investment. </font></FONT><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>The notes will be automatically called if the Observation Value of the Market Measure on the Call Observation Date is equal to or greater than the Call Value. If your notes are called, you will receive the Call Payment on the Call Payment Date, and no further amounts will be payable on the notes. If your notes are not called, at maturity, if the Ending Value of the Market Measure is equal to or greater than the Threshold Value, the notes provide you with 1-to-1 exposure to increases in the Market Measure from the Threshold Value. If the Ending Value of the Market Measure is less than the Threshold Value, your notes are subject to 1-to-1 downside exposure to decreases in the Market Measure beyond the Threshold Value, with up to 90% principal amount at risk. Any payments on the notes will be calculated based on the $10 principal amount per unit and will depend on the performance of the Market Measure, subject to our and Morgan Stanley&#8217;s credit risk. See &#8220;Terms of the Notes&#8221; below.</font></FONT></P>
                <P style="text-align: left; margin-top: 5.5pt; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>The original issue price of each note is $10.  This price includes costs associated with issuing, selling, structuring and hedging the notes, which are borne by you, and, consequently, the estimated value of the notes, on the pricing date is less than $10.  We estimate that the value of each note on the pricing date is $9.808 per unit. </font></FONT></P>
                <P style="text-align: left; margin-top: 5.5pt; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-style: italic; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>What goes into the estimated value on the pricing date?</font></FONT></P>
                <P style="text-align: left; margin-top: 5.5pt; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>In valuing the notes on the pricing date, we take into account that the notes comprise both a debt component and a performance-based component linked to the Market Measure.  The estimated value of the notes is determined using our own pricing and valuation models, market inputs and assumptions relating to the Market Measure instruments based on the Market Measure, volatility and other factors including current and expected interest rates, as well as an interest rate related to our secondary market credit spread, which is the implied interest rate at which our conventional fixed rate debt trades in the secondary market.</font></FONT></P>
                <P style="text-align: left; margin-top: 5.5pt; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-style: italic; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>What determines the economic terms of the notes?</font></FONT></P>
                <P style="text-align: left; margin-top: 5.5pt; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>In determining the economic terms of the notes, including the Call Premium, Call Value, Participation Rate and Threshold Value, we use an internal funding rate, which is likely to be lower than our secondary market credit spreads and therefore advantageous to us.  If the issuing, selling, structuring and hedging costs borne by you were lower or if the internal funding rate were higher, one or more terms of the notes would be more favorable to you.</font></FONT></P>
                <P style="text-align: left; margin-top: 5.5pt; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-style: italic; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>What is the relationship between the estimated value on the pricing date and the secondary market price of the notes?</font></FONT></P>
                <P style="text-align: left; margin-top: 5.5pt; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>The price at which MS &amp; Co. purchases the notes in the secondary market, absent changes in market conditions, including those related to the Market Measure, may vary from, and be lower than, the estimated value on the pricing date, because the secondary market price takes into account our secondary market credit spread as well as the bid-offer spread that MS &amp; Co. would charge in a secondary market transaction of this type and other factors.  However, because the costs associated with issuing, selling, structuring and hedging the notes are not fully deducted upon issuance, for a period of up to 6 months following the issue date, to the extent that MS &amp; Co. may buy or sell the notes in the secondary market, absent changes in market conditions, including those related to the Market Measure, and to our secondary market credit spreads, it would do so based on values higher than the estimated value.  We expect that those higher values will also be reflected in your brokerage account statements.</font></FONT></P>
                <P style="text-align: left; margin-top: 5.5pt; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>MS &amp; Co. may, but is not obligated to, make a market in the notes and, if it once chooses to make a market, may cease doing so at any time.</font></FONT></P>
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                            <P style="text-align: left; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; color: #5B862B; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Autocallable Participation Notes</font></FONT></P>
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                            <P style="text-align: right; margin-top: 0; margin-bottom: 0; "><FONT style="color: #5B862B; font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>TS-</font><FONT>2</FONT></FONT></P>
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                <P style="text-align: left; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; ">&nbsp;</FONT></P>
                <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 7.0pt; width: 535.36pt; display: inline-block; ">&nbsp;</FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 7.0pt; "></FONT></P>
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            <DIV style="width: 595.21pt; padding: 31.19pt 39.00pt 0 39.00pt; min-height: 48.02pt; position: relative; ">
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                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-bottom:  4.50pt solid #5B862B; ">
                            <P style="margin-top: 0; margin-bottom: 0; "><FONT style="color: #5B862B; font-size: 16.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>Autocallable Participation Notes</font><BR></FONT><FONT style="color: #5B862B; font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Linked to the S&amp;P 500</font></FONT><FONT style="color: #5B862B; vertical-align: super; font-family: Arial, sans-serif; font-size: 7pt; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="color: #5B862B; font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> Index, due November 6, 2028</font></FONT></P>
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                <P style="text-align: left; margin-top: 0; margin-bottom: 0; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; ">&nbsp;</FONT></P>
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            <DIV style="width: 595.21pt; padding: 10pt 39.00pt 10pt 39.00pt; position: relative; margin-bottom: 20pt; ">
                <P style="text-align: left; margin-top: 5.5pt; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
                <TABLE width="96.40%" style="margin-left: -5.94pt; width: 96.40%; table-layout: fixed; border-collapse: collapse; ">
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                        <TD colspan="3" style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; ">
                            <P style="text-align: justify; margin-top: 0.0pt; margin-bottom: 0; "><FONT style="font-size: 20.0pt; color: #5B862B; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>Final Terms of the Notes</font></FONT></P>
                        </TD>
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                    <TR style="vertical-align: top; min-height: 14.08pt; ">
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; background-color: #F2F2F2; ">
                            <P style="margin-top: 1.65pt; margin-bottom: 1.65pt; "><FONT style="font-size: 7.5pt; font-weight: bold; color: #5B8F22; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>Issuer:</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; ">
                            <P style="margin-top: 1.65pt; margin-bottom: 1.65pt; "><FONT style="font-size: 7.5pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>Morgan Stanley Finance LLC (&#8220;MSFL&#8221;)</font></FONT></P>
                        </TD>
                        <TD>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; min-height: 13.53pt; ">
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; background-color: #F2F2F2; ">
                            <P style="margin-top: 1.65pt; margin-bottom: 1.65pt; "><FONT style="font-size: 7.5pt; font-weight: bold; color: #5B8F22; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>Guarantor:</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: 1.65pt; margin-bottom: 1.65pt; "><FONT style="font-size: 7.5pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>Morgan Stanley</font></FONT></P>
                        </TD>
                        <TD>
                        </TD>
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                    <TR style="vertical-align: top; min-height: 13.09pt; ">
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; background-color: #F2F2F2; ">
                            <P style="margin-top: 1.65pt; margin-bottom: 1.65pt; "><FONT style="font-size: 7.5pt; font-weight: bold; color: #5B8F22; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>Principal Amount:</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; ">
                            <P style="margin-top: 1.65pt; margin-bottom: 1.65pt; "><FONT style="font-size: 7.5pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>$10.00 per unit</font></FONT></P>
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                        <TD>
                        </TD>
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                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; background-color: #F2F2F2; ">
                            <P style="margin-top: 1.65pt; margin-bottom: 1.65pt; "><FONT style="font-size: 7.5pt; font-weight: bold; color: #5B8F22; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>Term:</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; ">
                            <P style="margin-top: 1.65pt; margin-bottom: 1.65pt; "><FONT style="font-size: 7.5pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>Approximately 3 years, if not called on the Call Observation Date</font></FONT></P>
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                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; background-color: #F2F2F2; ">
                            <P style="margin-top: 1.65pt; margin-bottom: 1.65pt; "><FONT style="font-size: 7.5pt; font-weight: bold; color: #5B8F22; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>Market Measure:</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; ">
                            <P style="margin-top: 1.65pt; margin-bottom: 1.65pt; "><FONT style="font-size: 7.5pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>The S&amp;P 500</font></FONT><FONT style="font-size: 5pt; vertical-align: super; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-size: 7.5pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'> Index (Bloomberg symbol: &#8220;SPX&#8221;), a price return index</font></FONT></P>
                        </TD>
                        <TD>
                        </TD>
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                    <TR style="vertical-align: top; min-height: 13.09pt; ">
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; background-color: #F2F2F2; ">
                            <P style="margin-top: 1.65pt; margin-bottom: 1.65pt; "><FONT style="font-size: 7.5pt; font-weight: bold; color: #5B8F22; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>Call 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: 1.65pt; margin-bottom: 1.65pt; "><FONT style="font-size: 7.5pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>6,140.11, which is 90% of the Starting Value (rounded to two decimal places)</font></FONT></P>
                        </TD>
                        <TD>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; min-height: 24.86pt; ">
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; background-color: #F2F2F2; ">
                            <P style="margin-top: 1.65pt; margin-bottom: 1.65pt; "><FONT style="font-size: 7.5pt; font-weight: bold; color: #5B8F22; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>Call Payment (per unit):</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; ">
                            <P style="margin-top: 1.65pt; margin-bottom: 1.65pt; "><FONT style="font-size: 7.5pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>$10.75 if called on the Call Observation Date</font></FONT></P>
                        </TD>
                        <TD>
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                    <TR style="vertical-align: top; min-height: 34.32pt; ">
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; background-color: #F2F2F2; ">
                            <P style="margin-top: 1.65pt; margin-bottom: 1.65pt; "><FONT style="font-size: 7.5pt; font-weight: bold; color: #5B8F22; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>Call Premium:</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: 1.65pt; margin-bottom: 1.65pt; "><FONT style="font-size: 7.5pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>$0.75, representing a Call Premium of 7.50% of the principal amount, if called on the Call Observation Date. </font></FONT></P>
                        </TD>
                        <TD>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; min-height: 34.32pt; ">
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; background-color: #F2F2F2; ">
                            <P style="margin-top: 1.65pt; margin-bottom: 1.65pt; "><FONT style="font-size: 7.5pt; font-weight: bold; color: #5B8F22; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>Redemption Amount:</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; ">
                            <P style="margin-top: 1.65pt; margin-bottom: 1.65pt; "><FONT style="font-size: 7.5pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>If the notes have not previously been called, you will receive at maturity a cash payment per security as follows:</font></FONT></P>
                            <P style="margin-top: 1.65pt; margin-bottom: 1.65pt; "><FONT style="font-size: 7.5pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
                            <P style="margin-top: 1.65pt; margin-bottom: 1.65pt; margin-left: 39.60pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; font-size: 7.5pt; ">&#9679;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-size: 7.5pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>If the Ending Value is greater than or equal to the Threshold Value:</font><BR></FONT></FONT></P>
                            <P STYLE="text-align: center; margin-top: 1.65pt; margin-bottom: 1.65pt"><FONT style="font-size: 7.0pt; font-family: Arial, sans-serif; "><FONT style="width: 229.35pt; height: 20.62pt; ">                                        <IMG SRC="image2.gif" STYLE="width: 278px; height: 25px">
                                        </FONT></FONT></P>
                            <P style="margin-top: 1.65pt; margin-bottom: 1.65pt; "><FONT style="font-size: 7.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
                            <P style="margin-top: 1.65pt; margin-bottom: 1.65pt; margin-left: 39.60pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; font-size: 7.5pt; ">&#9679;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-size: 7.5pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>If the Ending Value is less than the Threshold Value:</font></FONT></FONT></P>
                            <P style="padding-left: 39.6pt; margin-top: 1.65pt; margin-bottom: 1.65pt; "><FONT style="font-size: 7.5pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
                            <P STYLE="text-align: center; margin-top: 1.65pt; margin-bottom: 1.65pt"><FONT style="font-size: 7.0pt; font-family: Arial, sans-serif; "><FONT style="width: 161.70pt; height: 20.62pt; ">                                        <IMG SRC="image3.gif" STYLE="width: 196px; height: 25px">
                                        </FONT></FONT></P>
                            <P style="margin-top: 1.65pt; margin-bottom: 1.65pt; "><FONT style="font-size: 7.0pt; font-family: Arial, sans-serif; ">&nbsp;</FONT></P>
                        </TD>
                        <TD>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; min-height: 34.32pt; ">
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; background-color: #F2F2F2; ">
                            <P style="margin-top: 1.65pt; margin-bottom: 1.65pt; "><FONT style="font-size: 7.5pt; font-weight: bold; color: #5B8F22; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>Automatic Call Feature:</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: 1.65pt; margin-bottom: 1.65pt; "><FONT style="font-size: 7.5pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>If the Observation Value on the Call Observation Date is greater than or equal to the Call Value, the notes will be called on the Call Observation Date and you will receive per unit the Call Payment, which is equal to:</font></FONT></P>
                            <P style="margin-top: 1.65pt; margin-bottom: 1.65pt; "><FONT style="font-size: 7.5pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
                            <P STYLE="text-align: center; margin-top: 1.65pt; margin-bottom: 1.65pt"><FONT style="font-size: 7.0pt; font-family: Arial, sans-serif; "><FONT style="width: 66.00pt; height: 10.73pt; ">                                        <IMG SRC="image4.gif" STYLE="width: 80px; height: 13px">
                                        </FONT></FONT></P>
                        </TD>
                        <TD>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; min-height: 22.99pt; ">
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; background-color: #F2F2F2; ">
                            <P style="margin-top: 1.65pt; margin-bottom: 1.65pt; "><FONT style="font-size: 7.5pt; font-weight: bold; color: #5B8F22; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>Participation Rate:</font></FONT></P>
                        <P style="margin-top: 1.65pt; margin-bottom: 1.65pt; "><FONT style="font-size: 7.5pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
			</TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; ">
                            <P style="margin-top: 1.65pt; margin-bottom: 1.65pt; "><FONT style="font-size: 7.5pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>100%</font></FONT></P>
                        </TD>
                        <TD>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; min-height: 12.65pt; ">
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; background-color: #F2F2F2; ">
                            <P style="margin-top: 1.65pt; margin-bottom: 1.65pt; "><FONT style="font-size: 7.5pt; font-weight: bold; color: #5B8F22; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>Threshold Value:</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; ">
                            <P style="margin-top: 1.65pt; margin-bottom: 1.65pt; "><FONT style="font-size: 7.5pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>6,140.11, which is 90% of Starting Value (rounded to two decimal places)</font></FONT></P>
                        </TD>
                        <TD>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; min-height: 13.09pt; ">
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; background-color: #F2F2F2; ">
                            <P style="margin-top: 1.65pt; margin-bottom: 1.65pt; "><FONT style="font-size: 7.5pt; font-weight: bold; color: #5B8F22; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>Starting Value:</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; ">
                            <P style="margin-top: 1.65pt; margin-bottom: 1.65pt; "><FONT style="font-size: 7.5pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>6,822.34</font></FONT></P>
                        </TD>
                        <TD>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; min-height: 13.09pt; ">
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; background-color: #F2F2F2; ">
                            <P style="margin-top: 1.65pt; margin-bottom: 1.65pt; "><FONT style="font-size: 7.5pt; font-weight: bold; color: #5B8F22; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>Ending Value:</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; ">
                            <P style="margin-top: 1.65pt; margin-bottom: 1.65pt; "><FONT style="font-size: 7.5pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>The closing level of the Market Measure on the Final Calculation Day</font></FONT></P>
                        </TD>
                        <TD>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; min-height: 22.99pt; ">
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; background-color: #F2F2F2; ">
                            <P style="margin-top: 1.65pt; margin-bottom: 1.65pt; "><FONT style="font-size: 7.5pt; font-weight: bold; color: #5B8F22; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>Observation Value:</font></FONT></P>
                        <P style="margin-top: 1.65pt; margin-bottom: 1.65pt; "><FONT style="font-size: 7.5pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
			</TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; ">
                            <P style="margin-top: 1.65pt; margin-bottom: 1.65pt; "><FONT style="font-size: 7.5pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>The closing level of the Market Measure on the Call Observation Date</font></FONT></P>
                        </TD>
                        <TD>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; min-height: 63.47pt; ">
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; background-color: #F2F2F2; ">
                            <P style="margin-top: 1.65pt; margin-bottom: 1.65pt; "><FONT style="font-size: 7.5pt; font-weight: bold; color: #5B8F22; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>Call Observation Date:</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; ">
                            <P style="margin-top: 1.65pt; margin-bottom: 1.65pt; "><FONT style="font-size: 7.5pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>November 6, 2026, which is approximately one year after the pricing date.</font></FONT></P>
                            <P style="margin-top: 1.65pt; margin-bottom: 1.65pt; "><FONT style="font-size: 7.5pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>The scheduled Call Observation Date is subject to postponement in the event of Market Disruption Events and non-Market Measure Business Days, as described beginning on page PS-30 of the accompanying product supplement.</font></FONT></P>
			    <P style="margin-top: 1.65pt; margin-bottom: 1.65pt; "><FONT style="font-size: 7.5pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
                        </TD>
                        <TD>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; min-height: 52.20pt; ">
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; background-color: #F2F2F2; ">
                            <P style="margin-top: 1.65pt; margin-bottom: 1.65pt; "><FONT style="font-size: 7.5pt; font-weight: bold; color: #5B8F22; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>Final Calculation Day / Maturity Valuation Period:</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: 1.65pt; margin-bottom: 1.65pt; "><FONT style="font-size: 7.5pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>October 30, 2028 (five Market Measure Business Days immediately preceding the maturity date)</font></FONT><FONT style="font-size: 7.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>, </font></FONT><FONT style="font-size: 7.5pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>subject to postponement in the event of Market Disruption Events</font></FONT><FONT style="font-size: 7.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'> </font></FONT><FONT style="font-size: 7.5pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>and non-Market Measure Business Days, as described beginning on page PS-31 of the accompanying product supplement.</font></FONT></P>
			    <P style="margin-top: 1.65pt; margin-bottom: 1.65pt; "><FONT style="font-size: 7.5pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
                        </TD>
                        <TD>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; min-height: 52.20pt; ">
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; background-color: #F2F2F2; ">
                            <P style="margin-top: 1.65pt; margin-bottom: 1.65pt; "><FONT style="font-size: 7.5pt; font-weight: bold; color: #5B8F22; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>Maturity Date:</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; ">
                            <P style="margin-top: 1.65pt; margin-bottom: 1.65pt; "><FONT style="font-size: 7.5pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>November 6, 2028, subject to postponement as described beginning on page PS-31 of the accompanying</font></FONT></P>
                            <P style="margin-top: 1.65pt; margin-bottom: 1.65pt; "><FONT style="font-size: 7.5pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>product supplement.</font></FONT></P>
			    <P style="margin-top: 1.65pt; margin-bottom: 1.65pt; "><FONT style="font-size: 7.5pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
                        </TD>
                        <TD>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; min-height: 52.20pt; ">
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; background-color: #F2F2F2; ">
                            <P style="margin-top: 1.65pt; margin-bottom: 1.65pt; "><FONT style="font-size: 7.5pt; font-weight: bold; color: #5B8F22; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>Call Payment 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: 1.65pt; margin-bottom: 1.65pt; "><FONT style="font-size: 7.5pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>November 16, 2026 (five business days after the Call Observation Date), subject to postponement as described on page PS-30 of the accompanying product supplement.</font></FONT></P>
			    <P style="margin-top: 1.65pt; margin-bottom: 1.65pt; "><FONT style="font-size: 7.5pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
                        </TD>
                        <TD>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; min-height: 22.55pt; ">
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; background-color: #F2F2F2; ">
                            <P style="margin-top: 1.65pt; margin-bottom: 1.65pt; "><FONT style="font-size: 7.5pt; font-weight: bold; color: #5B8F22; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>Fees and Charges:</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; ">
                            <P style="margin-top: 1.65pt; margin-bottom: 1.65pt; "><FONT style="font-size: 7.5pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>The underwriting discount of $0.135 per unit listed on the cover page.</font></FONT></P>
			    <P style="margin-top: 1.65pt; margin-bottom: 1.65pt; "><FONT style="font-size: 7.5pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
                        </TD>
                        <TD>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; min-height: 22.99pt; ">
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; background-color: #F2F2F2; ">
                            <P style="margin-top: 1.65pt; margin-bottom: 1.65pt; "><FONT style="font-size: 7.5pt; font-weight: bold; color: #5B8F22; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>Calculation Agent:</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; ">
                            <P style="margin-top: 1.65pt; margin-bottom: 1.65pt; "><FONT style="font-size: 7.5pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>Morgan Stanley &amp; Co. LLC (&#8220;MS&amp;Co.&#8221;), an affiliate of MSFL.</font></FONT></P>
                        </TD>
                        <TD>
                        </TD>
                    </TR>
                </TABLE>
            </DIV>
            <DIV style="width: 595.21pt; padding: 0 39.00pt 23.43pt 39.00pt; min-height: 23.38pt; position: relative; ">
                <TABLE width="607.09pt" style="margin-left: -5.94pt; width: 607.09pt; table-layout: fixed; border-collapse: collapse; ">
                    <TR>
                        <TD width="555.39pt" style="width: 555.39pt; border: 0; margin: 0; padding: 0; height: 0; ">
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                        <TD width="51.70pt" style="width: 51.70pt; border: 0; margin: 0; padding: 0; height: 0; ">
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-top:  0.50pt solid #008000; ">
                            <P style="text-align: left; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; color: #5B862B; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Autocallable Participation Notes</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-top:  0.50pt solid #008000; ">
                            <P style="text-align: right; margin-top: 0; margin-bottom: 0; "><FONT style="color: #5B862B; font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>TS-</font><FONT>3</FONT></FONT></P>
                        </TD>
                    </TR>
                </TABLE>
                <P style="text-align: left; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; ">&nbsp;</FONT></P>
                <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 7.0pt; width: 535.36pt; display: inline-block; ">&nbsp;</FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 7.0pt; "></FONT></P>
            </DIV>
        </DIV>
        <DIV style="page-break-after: always; border-bottom: 1pt solid black; ">
            <P></P>
        </DIV>
        <DIV style="margin: auto; width: 673.20pt; padding: 36pt 0; ">
            <DIV style="width: 595.21pt; padding: 31.19pt 39.00pt 0 39.00pt; min-height: 48.02pt; position: relative; ">
                <TABLE width="100.00%" style="margin-left: -5.94pt; width: 100.00%; table-layout: fixed; border-collapse: collapse; ">
                    <TR>
                        <TD width="88.97%" style="width: 88.97%; border: 0; margin: 0; padding: 0; height: 0; ">
                        </TD>
                        <TD width="21.03%" style="width: 21.03%; border: 0; margin: 0; padding: 0; height: 0; ">
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; min-height: 23.32pt; ">
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-bottom:  4.50pt solid #5B862B; ">
                            <P style="margin-top: 0; margin-bottom: 0; "><FONT style="color: #5B862B; font-size: 16.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>Autocallable Participation Notes</font><BR></FONT><FONT style="color: #5B862B; font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Linked to the S&amp;P 500</font></FONT><FONT style="color: #5B862B; vertical-align: super; font-family: Arial, sans-serif; font-size: 7pt; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="color: #5B862B; font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> Index, due November 6, 2028</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-bottom:  4.50pt solid #5B862B; ">
                            <P style="text-align: right; margin-top: 0; margin-bottom: 0; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; ">&nbsp;</FONT></P>
                            <P style="text-align: right; margin-top: 0; margin-bottom: 0; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; ">&nbsp;</FONT></P>
                        </TD>
                    </TR>
                </TABLE>
                <P style="text-align: left; margin-top: 0; margin-bottom: 0; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; ">&nbsp;</FONT></P>
            </DIV>
            <DIV style="width: 595.21pt; padding: 10pt 39.00pt 10pt 39.00pt; position: relative; margin-bottom: 20pt; ">
                <TABLE width="102.44%" style="margin-left: auto; width: 102.44%; table-layout: fixed; border-collapse: collapse; margin-right: auto; ">
                    <TR>
                        <TD width="269.00pt" style="width: 269.00pt; border: 0; margin: 0; padding: 0; height: 0; ">
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; ">
                            <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; color: #5B862B; font-size: 20.0pt; "><font style='white-space: pre-wrap;'>Payment Determination</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; min-height: 11.77pt; ">
                        <TD STYLE="padding: 0pt 5.94pt">
                            <P style="margin-top: 5.5pt; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #5B862B; font-size: 12.0pt; "><font style='white-space: pre-wrap;'>Automatic Call Provision: </font></FONT></P>
                            <P style="margin-top: 5.5pt; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>The notes will be called automatically if the Observation Value on the Call Observation Date is greater than or equal to the Call Value. If the notes are called, you will receive $10 per unit plus the Call Premium due on the Call Payment Date and no further amounts will be payable on the notes.</font></FONT></P>
                            <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
                            <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; "><FONT style="width: 423.23pt; height: 181.50pt; ">                                        <IMG SRC="image5.gif" STYLE="width: 513px; height: 220px">
                                        </FONT></FONT></P>
                            <P style="margin-top: 1.65pt; margin-bottom: 6.6pt; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #5B862B; font-size: 12.0pt; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
                            <P style="margin-top: 1.65pt; margin-bottom: 6.6pt; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #5B862B; font-size: 12.0pt; "><font style='white-space: pre-wrap;'>Redemption Amount Determination:</font></FONT></P>
                            <P style="margin-top: 1.65pt; margin-bottom: 1.65pt; "><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>If the notes are not called, you will receive the Redemption Amount per unit on the maturity date, determined as follows: </font></FONT></P>
                            <P style="margin-top: 1.65pt; margin-bottom: 1.65pt; "><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
                            <P style="margin-top: 1.65pt; margin-bottom: 1.65pt; "><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; "><FONT style="width: 417.45pt; height: 251.63pt; ">                                        <IMG SRC="image6.gif" STYLE="width: 506px; height: 305px">
                                        </FONT></FONT></P>
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                    </TR>
                    <TR style="vertical-align: top; min-height: 20.68pt; ">
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                    <TR style="vertical-align: top; min-height: 16.89pt; ">
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                    <TR style="vertical-align: top; min-height: 16.89pt; ">
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                    <TR style="vertical-align: top; min-height: 16.89pt; ">
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                    <TR style="vertical-align: top; min-height: 16.89pt; ">
                    </TR>
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                    <TR style="vertical-align: top; min-height: 16.89pt; ">
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                    <TR style="vertical-align: top; min-height: 16.89pt; ">
                    </TR>
                    <TR style="vertical-align: top; min-height: 16.89pt; ">
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                    </TR>
                    <TR style="vertical-align: top; min-height: 16.89pt; ">
                    </TR>
                </TABLE>
            </DIV>
            <DIV style="width: 595.21pt; padding: 0 39.00pt 23.43pt 39.00pt; min-height: 23.38pt; position: relative; ">
                <TABLE width="607.09pt" style="margin-left: -5.94pt; width: 607.09pt; table-layout: fixed; border-collapse: collapse; ">
                    <TR>
                        <TD width="555.39pt" style="width: 555.39pt; border: 0; margin: 0; padding: 0; height: 0; ">
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                        <TD width="51.70pt" style="width: 51.70pt; border: 0; margin: 0; padding: 0; height: 0; ">
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-top:  0.50pt solid #008000; ">
                            <P style="text-align: left; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; color: #5B862B; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Autocallable Participation Notes</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-top:  0.50pt solid #008000; ">
                            <P style="text-align: right; margin-top: 0; margin-bottom: 0; "><FONT style="color: #5B862B; font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>TS-</font><FONT>4</FONT></FONT></P>
                        </TD>
                    </TR>
                </TABLE>
                <P style="text-align: left; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; ">&nbsp;</FONT></P>
                <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 7.0pt; width: 535.36pt; display: inline-block; ">&nbsp;</FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 7.0pt; "></FONT></P>
            </DIV>
        </DIV>
        <DIV style="page-break-after: always; border-bottom: 1pt solid black; ">
            <P></P>
        </DIV>
        <DIV style="margin: auto; width: 673.20pt; padding: 36pt 0; ">
            <DIV style="width: 595.21pt; padding: 31.19pt 39.00pt 0 39.00pt; min-height: 48.02pt; position: relative; ">
                <TABLE width="100.00%" style="margin-left: -5.94pt; width: 100.00%; table-layout: fixed; border-collapse: collapse; ">
                    <TR>
                        <TD width="88.97%" style="width: 88.97%; border: 0; margin: 0; padding: 0; height: 0; ">
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                        <TD width="21.03%" style="width: 21.03%; border: 0; margin: 0; padding: 0; height: 0; ">
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                            <P style="margin-top: 0; margin-bottom: 0; "><FONT style="color: #5B862B; font-size: 16.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>Autocallable Participation Notes</font><BR></FONT><FONT style="color: #5B862B; font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Linked to the S&amp;P 500</font></FONT><FONT style="color: #5B862B; vertical-align: super; font-family: Arial, sans-serif; font-size: 7pt; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="color: #5B862B; font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> Index, due November 6, 2028</font></FONT></P>
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                            <P style="text-align: right; margin-top: 0; margin-bottom: 0; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; ">&nbsp;</FONT></P>
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                <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>The terms and risks of the notes are contained in this pricing supplement and in the following:</font></FONT></P>
                <P style="margin-top: 5.5pt; margin-bottom: 0; margin-left: 19.80pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; color: #5B8F22; font-size: 9.0pt; ">&#65517;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>Product supplement dated September 23, 2024:</font></FONT></FONT><br><A href="https://www.sec.gov/Archives/edgar/data/895421/000095010324013846/dp218175_424b2.htm" style="word-break: break-all; "><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; color: #0000FF; text-decoration-style: solid; text-decoration-line: underline; "><U><font style='white-space: pre-wrap;'>https://www.sec.gov/Archives/edgar/data/895421/000095010324013846/dp218175_424b2.htm</font></U></FONT></A></P>

                <P style="margin-top: 5.5pt; margin-bottom: 0; margin-left: 19.80pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; color: #5B8F22; font-size: 9.0pt; ">&#65517;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>Prospectus dated April 12, 2024:</font><BR></FONT><A href="https://www.sec.gov/Archives/edgar/data/895421/000095010324005205/dp209505_424b2-base.htm" style="word-break: break-all; "><FONT style="color: #000000; font-size: 9.0pt; text-decoration: none; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>https://www.sec.gov/Archives/edgar/data/895421/000095010324005205/dp209505_424b2-base.htm</font></FONT></A></FONT></P>
                <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
                <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>These documents (together, the &#8220;Note Prospectus&#8221;) have been filed as part of a registration statement with the SEC, which may, without cost, be accessed on the SEC website at www.sec.gov or obtained from Merrill Lynch, Pierce, Fenner &amp; Smith Incorporated (&#8220;MLPF&amp;S&#8221;) by calling 1-800-294-1322. You should read the Note Prospectus, including this pricing supplement, for information about us, Morgan Stanley and this offering. Any prior or contemporaneous oral statements and any other written materials you may have received are superseded by the Note Prospectus. Certain terms used but not defined in this pricing supplement have the meanings set forth in the accompanying product supplement. Unless otherwise indicated or unless the context requires otherwise, all references in this document to &#8220;we,&#8221; &#8220;us,&#8221; &#8220;our,&#8221; or similar references are to MSFL, and not to Morgan Stanley. </font></FONT></P>
                <P style="margin-top: 0.0pt; margin-bottom: 0; "><FONT style="color: #5B862B; font-size: 20.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>Investor Considerations</font></FONT></P>
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                            <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-weight: bold; font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>You may wish to consider an investment in the notes if:</font></FONT></P>
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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: 0; margin-bottom: 0; "><FONT style="font-weight: bold; font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>The notes may not be an appropriate investment for you if:</font></FONT></P>
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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: 5.5pt; margin-bottom: 0; margin-left: 19.80pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; color: #5B8F22; font-size: 9.0pt; ">&#65517;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>You are willing to receive a return on your investment capped at the Call Premium if the Observation Value on the Call Observation Date is equal to or greater than the Call Value.</font></FONT></FONT></P>
                            <P style="margin-top: 5.5pt; margin-bottom: 0; margin-left: 19.80pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; color: #5B8F22; font-size: 9.0pt; ">&#65517;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>You anticipate that the notes will be automatically called or that the Ending Value will be greater than the Threshold Value.</font></FONT></FONT></P>
                            <P style="margin-top: 5.5pt; margin-bottom: 0; margin-left: 19.80pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; color: #5B8F22; font-size: 9.0pt; ">&#65517;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>You are willing to risk a loss of principal and return if the notes are not automatically called and the Index decreases from the Starting Value to an Ending Value that is below the Threshold Value.</font></FONT></FONT></P>
                            <P style="margin-top: 5.5pt; margin-bottom: 0; margin-left: 19.80pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; color: #5B8F22; font-size: 9.0pt; ">&#65517;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>You are willing to forgo the interest payments that are paid on conventional interest-bearing debt securities.</font></FONT></FONT></P>
                            <P style="margin-top: 5.5pt; margin-bottom: 0; margin-left: 19.80pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; color: #5B8F22; font-size: 9.0pt; ">&#65517;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>You are willing to forgo dividends or other benefits of owning the stocks included in the Market Measure.</font></FONT></FONT></P>
                            <P style="margin-top: 5.5pt; margin-bottom: 0; margin-left: 19.80pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; color: #5B8F22; font-size: 9.0pt; ">&#65517;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>You are willing to accept a limited or no market for sales for the notes prior to maturity, and understand that the market prices for the notes, if any, will be affected by various factors, including our and Morgan Stanley&#8217;s actual and perceived creditworthiness, Morgan Stanley&#8217;s internal funding rate and fees and charges on the notes.</font></FONT></FONT></P>
                            <P style="margin-top: 5.5pt; margin-bottom: 0; margin-left: 19.80pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; color: #5B8F22; font-size: 9.0pt; ">&#65517;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>You are willing to assume our credit risk, as issuer of the notes, and Morgan Stanley&#8217;s credit risk, as guarantor of the notes, for all payments under the notes, including the Redemption Amount.</font></FONT></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; ">
                            <P style="margin-top: 5.5pt; margin-bottom: 0; margin-left: 39.60pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; color: #5B8F22; font-size: 9.0pt; ">&#65517;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>You want to hold your notes for the full term.</font></FONT></FONT></P>
                            <P style="margin-top: 5.5pt; margin-bottom: 0; margin-left: 39.60pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; color: #5B8F22; font-size: 9.0pt; ">&#65517;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>You believe that the notes will not be automatically called, the Index will decrease from the Starting Value to an Ending Value that is below the Threshold Value or that it will not increase sufficiently over the term of the notes to provide you with your desired return.</font></FONT></FONT></P>
                            <P style="margin-top: 5.5pt; margin-bottom: 0; margin-left: 39.60pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; color: #5B8F22; font-size: 9.0pt; ">&#65517;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>You seek 100% principal repayment or preservation of capital.</font></FONT></FONT></P>
                            <P style="margin-top: 5.5pt; margin-bottom: 0; margin-left: 39.60pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; color: #5B8F22; font-size: 9.0pt; ">&#65517;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>You seek interest payments or other current income on your investment.</font></FONT></FONT></P>
                            <P style="margin-top: 5.5pt; margin-bottom: 0; margin-left: 39.60pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; color: #5B8F22; font-size: 9.0pt; ">&#65517;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>You want to receive dividends or other distributions paid on the stocks included in the Market Measure.</font></FONT></FONT></P>
                            <P style="margin-top: 5.5pt; margin-bottom: 0; margin-left: 39.60pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; color: #5B8F22; font-size: 9.0pt; ">&#65517;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>You seek an investment for which there will be a liquid secondary market.</font></FONT></FONT></P>
                            <P style="margin-top: 5.5pt; margin-bottom: 0; margin-left: 39.60pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; color: #5B8F22; font-size: 9.0pt; ">&#65517;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>You are unwilling or are unable to take market risk on the notes, to take our credit risk, as issuer of the notes, or to take Morgan Stanley&#8217;s credit risk, as guarantor of the notes.</font></FONT></FONT></P>
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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;'>We urge you to consult your investment, legal, tax, accounting, and other advisors in connection with your investment in the notes.</font></FONT></P>
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                            <P style="text-align: left; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; color: #5B862B; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Autocallable Participation Notes</font></FONT></P>
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                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-top:  0.50pt solid #008000; ">
                            <P style="text-align: right; margin-top: 0; margin-bottom: 0; "><FONT style="color: #5B862B; font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>TS-</font><FONT>5</FONT></FONT></P>
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                <P style="text-align: left; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; ">&nbsp;</FONT></P>
                <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 7.0pt; width: 535.36pt; display: inline-block; ">&nbsp;</FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 7.0pt; "></FONT></P>
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            <P></P>
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            <DIV style="width: 595.21pt; padding: 31.19pt 39.00pt 0 39.00pt; min-height: 48.02pt; position: relative; ">
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                            <P style="margin-top: 0; margin-bottom: 0; "><FONT style="color: #5B862B; font-size: 16.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>Autocallable Participation Notes</font><BR></FONT><FONT style="color: #5B862B; font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Linked to the S&amp;P 500</font></FONT><FONT style="color: #5B862B; vertical-align: super; font-family: Arial, sans-serif; font-size: 7pt; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="color: #5B862B; font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> Index, due November 6, 2028</font></FONT></P>
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                            <P style="text-align: right; margin-top: 0; margin-bottom: 0; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; ">&nbsp;</FONT></P>
                            <P style="text-align: right; margin-top: 0; margin-bottom: 0; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; ">&nbsp;</FONT></P>
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                <P style="text-align: left; margin-top: 0; margin-bottom: 0; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; ">&nbsp;</FONT></P>
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            <DIV style="width: 595.21pt; padding: 10pt 39.00pt 10pt 39.00pt; position: relative; margin-bottom: 20pt; ">
                <P style="margin-top: 0.0pt; margin-bottom: 0; "><FONT style="font-size: 9.0pt; color: #5B862B; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'> </font></FONT><FONT style="font-family: Arial, sans-serif; color: #5B862B; font-size: 20.0pt; "><font style='white-space: pre-wrap;'>Hypothetical Payout Profile and Examples of Payments at Maturity</font></FONT></P>
                <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>The below graph is based on </font></FONT><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>hypothetical</font></FONT><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> numbers and values. The below graph shows a payout profile at maturity, which would only apply if the notes are not called on the Call Observation Date. </font></FONT></P>
                <TABLE width="100.00%" style="margin-left: 0.0pt; width: 100.00%; table-layout: fixed; border-collapse: collapse; ">
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                        <TD width="55.00%" style="width: 55.00%; border: 0; margin: 0; padding: 0; height: 0; ">
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                            <P style="margin-top: 5.5pt; margin-bottom: 6.6pt; text-align: center; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Autocallable Participation Notes</font></FONT></P>
                            <P style="text-align: center; margin-top: 0; margin-bottom: 0; "><IMG SRC="image_004.jpg" ALT=""><FONT style="font-family: Arial, sans-serif; font-size: 11.0pt; "></FONT></P>
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                        <TD style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 0.0pt; ">
                            <P style="margin-top: 5.5pt; margin-bottom: 6.6pt; "><FONT style="font-family: Arial, sans-serif; color: #000000; background-color: #F2F2F2; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>This graph reflects the returns on the notes, based on the Participation Rate of 100% and the Threshold Value of 90% of the Starting Value. The green line reflects the return on the notes, while the dotted gray line reflects the return of a direct investment in the stocks included in the Market Measure, excluding dividends.</font></FONT></P>
                            <P style="margin-top: 5.5pt; margin-bottom: 6.6pt; "><FONT style="font-family: Arial, sans-serif; color: #000000; background-color: #F2F2F2; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>This graph has been prepared for purposes of illustration only.</font></FONT></P>
                        </TD>
                    </TR>
                </TABLE>
                <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>The following table and examples are for purposes of illustration only.  They are based on </font></FONT><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>hypothetical</font></FONT><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> values and show </font></FONT><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>hypothetical</font></FONT><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> returns on the notes, assuming the notes are not called on the Call Observation Date. They illustrate the calculation of the Redemption Amount and total rate of return based on a hypothetical Starting Value of 100.00, a hypothetical Threshold Value of 90.00, the Participation Rate of 100% and a range of hypothetical Ending Values.</font></FONT><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> The actual amount you receive and the resulting return will depend on the actual Starting Value, Threshold Value and Ending Value, whether the notes are called on the Call Observation Date and whether you hold the notes to maturity.</font></FONT><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> The following examples do not take into account any tax consequences from investing in the notes.</font></FONT></P>
                <P style="margin-top: 5.5pt; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>For recent actual levels of the Market Measure, see &#8220;The Market Measure&#8221; section below. All payments on the notes are subject to issuer and guarantor credit risk.</font></FONT></P>
                <P style="margin-top: 5.5pt; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
                <TABLE width="100.00%" style="margin-left: auto; width: 100.00%; table-layout: fixed; border-collapse: collapse; margin-right: auto; ">
                    <TR>
                        <TD width="26.93%" style="width: 26.93%; border: 0; margin: 0; padding: 0; height: 0; ">
                        </TD>
                        <TD width="28.07%" style="width: 28.07%; border: 0; margin: 0; padding: 0; height: 0; ">
                        </TD>
                        <TD width="28.07%" style="width: 28.07%; border: 0; margin: 0; padding: 0; height: 0; ">
                        </TD>
                        <TD width="26.93%" style="width: 26.93%; border: 0; margin: 0; padding: 0; height: 0; ">
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; min-height: 0.77pt; ">
                        <TD style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 0.0pt; vertical-align: bottom; ">
                            <P style="border-bottom:  0.50pt solid black; text-align: center; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Ending Value</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 0.0pt; vertical-align: bottom; ">
                            <P style="border-bottom:  0.50pt solid black; text-align: center; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Percentage Change from the Starting Value to the Ending Value</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 0.0pt; vertical-align: bottom; ">
                            <P style="border-bottom:  0.50pt solid black; text-align: center; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Redemption Amount per Unit</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 0.0pt; vertical-align: bottom; ">
                            <P style="border-bottom:  0.50pt solid black; text-align: center; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Return on the Notes</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; min-height: 0.77pt; ">
                        <TD style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 0.0pt; ">
                            <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;'>0.00</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 0.0pt; ">
                            <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;'>-100.00%</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 0.0pt; ">
                            <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;'>$1.000</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 0.0pt; ">
                            <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;'>-90.00%</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; min-height: 0.77pt; ">
                        <TD style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 0.0pt; ">
                            <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;'>50.00</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 0.0pt; ">
                            <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;'>-50.00%</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 0.0pt; ">
                            <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;'>$6.000</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 0.0pt; ">
                            <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;'>-40.00%</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; min-height: 0.77pt; ">
                        <TD style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 0.0pt; ">
                            <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;'>60.00</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 0.0pt; ">
                            <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;'>-40.00%</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 0.0pt; ">
                            <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;'>$7.000</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 0.0pt; ">
                            <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;'>-30.00%</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; min-height: 0.77pt; ">
                        <TD style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 0.0pt; ">
                            <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;'>70.00</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 0.0pt; ">
                            <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;'>-30.00%</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 0.0pt; ">
                            <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;'>$8.000</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 0.0pt; ">
                            <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;'>-20.00%</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; min-height: 0.77pt; ">
                        <TD style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 0.0pt; ">
                            <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;'>80.00</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 0.0pt; ">
                            <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;'>-20.00%</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 0.0pt; ">
                            <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;'>$9.000</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 0.0pt; ">
                            <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;'>-10.00%</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; min-height: 0.77pt; ">
                        <TD style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 0.0pt; ">
                            <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;'>89.00</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 0.0pt; ">
                            <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;'>-11.00%</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 0.0pt; ">
                            <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;'>$9.900</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 0.0pt; ">
                            <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;'>-1.00%</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; min-height: 0.77pt; ">
                        <TD style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 0.0pt; ">
                            <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;'>   90.00</font></FONT><FONT style="vertical-align: super; font-family: Arial, sans-serif; font-size: 7pt; "><font style='white-space: pre-wrap;'>(1)</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 0.0pt; ">
                            <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;'>-10.00%</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 0.0pt; ">
                            <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;'>$10.000</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 0.0pt; ">
                            <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;'>0.00%</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; min-height: 0.77pt; ">
                        <TD style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 0.0pt; ">
                            <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;'>95.00</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 0.0pt; ">
                            <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;'>-5.00%</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 0.0pt; ">
                            <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;'>$10.500</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 0.0pt; ">
                            <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;'>5.00%</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; min-height: 0.77pt; ">
                        <TD style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 0.0pt; ">
                            <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;'>97.00</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 0.0pt; ">
                            <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;'>-3.00%</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 0.0pt; ">
                            <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;'>$10.700</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 0.0pt; ">
                            <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;'>7.00%</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; min-height: 0.77pt; ">
                        <TD style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 0.0pt; ">
                            <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;'>   100.00</font></FONT><FONT style="vertical-align: super; font-family: Arial, sans-serif; font-size: 7pt; "><font style='white-space: pre-wrap;'>(2)</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 0.0pt; ">
                            <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;'>0.00%</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 0.0pt; ">
                            <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;'>$11.000</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 0.0pt; ">
                            <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;'>10.00%</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; min-height: 0.77pt; ">
                        <TD style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 0.0pt; ">
                            <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;'>110.00</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 0.0pt; ">
                            <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;'>10.00%</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 0.0pt; ">
                            <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;'>$12.000</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 0.0pt; ">
                            <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;'>20.00%</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; min-height: 0.77pt; ">
                        <TD style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 0.0pt; ">
                            <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;'>120.00</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 0.0pt; ">
                            <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;'>20.00%</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 0.0pt; ">
                            <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;'>$13.000</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 0.0pt; ">
                            <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;'>30.00%</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; min-height: 4.73pt; ">
                        <TD style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 0.0pt; ">
                            <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;'>130.00</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 0.0pt; ">
                            <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;'>30.00%</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 0.0pt; ">
                            <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;'>$14.000</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 0.0pt; ">
                            <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;'>40.00%</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; min-height: 0.77pt; ">
                        <TD style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 0.0pt; ">
                            <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;'>140.00</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 0.0pt; ">
                            <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;'>40.00%</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 0.0pt; ">
                            <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;'>$15.000</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 0.0pt; ">
                            <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;'>50.00%</font></FONT></P>
                        </TD>
                    </TR>
                </TABLE>
                <P style="margin-top: 5.5pt; margin-bottom: 0; margin-left: 30.09pt; text-indent: -29.32pt; "><!--[if IE]<FONT style="display: inline-block; width: 29.32pt; text-indent: -29.32pt; "><![endif]--><FONT style="display: inline-block; width: 29.32pt; text-indent: 0; text-align: left; font-family: Arial, sans-serif; font-weight: normal; font-style: normal; text-transform: none; font-variant: normal; text-decoration: none; color: #000000; font-size: 9.0pt; background-color: white; vertical-align: baseline; ">1)</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>This is the </font></FONT><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>hypothetical</font></FONT><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> Threshold Value.</font></FONT></FONT></P>
                <P style="margin-top: 5.5pt; margin-bottom: 0; margin-left: 30.09pt; text-indent: -29.32pt; "><!--[if IE]<FONT style="display: inline-block; width: 29.32pt; text-indent: -29.32pt; "><![endif]--><FONT style="display: inline-block; width: 29.32pt; text-indent: 0; text-align: left; font-family: Arial, sans-serif; font-weight: normal; font-style: normal; text-transform: none; font-variant: normal; text-decoration: none; color: #000000; font-size: 9.0pt; background-color: white; vertical-align: baseline; ">2)</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>The </font></FONT><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>hypothetical</font></FONT><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> Starting Value of 100.00 used in these examples has been chosen for illustrative purposes only. The actual Starting Value for the Market Measure is set forth on page PS-3 above.</font></FONT></FONT></P>
            </DIV>
            <DIV style="width: 595.21pt; padding: 0 39.00pt 23.43pt 39.00pt; min-height: 23.38pt; position: relative; ">
                <TABLE width="607.09pt" style="margin-left: -5.94pt; width: 607.09pt; table-layout: fixed; border-collapse: collapse; ">
                    <TR>
                        <TD width="555.39pt" style="width: 555.39pt; border: 0; margin: 0; padding: 0; height: 0; ">
                        </TD>
                        <TD width="51.70pt" style="width: 51.70pt; border: 0; margin: 0; padding: 0; height: 0; ">
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-top:  0.50pt solid #008000; ">
                            <P style="text-align: left; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; color: #5B862B; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Autocallable Participation Notes</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-top:  0.50pt solid #008000; ">
                            <P style="text-align: right; margin-top: 0; margin-bottom: 0; "><FONT style="color: #5B862B; font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>TS-</font><FONT>6</FONT></FONT></P>
                        </TD>
                    </TR>
                </TABLE>
                <P style="text-align: left; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; ">&nbsp;</FONT></P>
                <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 7.0pt; width: 535.36pt; display: inline-block; ">&nbsp;</FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 7.0pt; "></FONT></P>
            </DIV>
        </DIV>
        <DIV style="page-break-after: always; border-bottom: 1pt solid black; ">
            <P></P>
        </DIV>
        <DIV style="margin: auto; width: 673.20pt; padding: 36pt 0; ">
            <DIV style="width: 595.21pt; padding: 31.19pt 39.00pt 0 39.00pt; min-height: 48.02pt; position: relative; ">
                <TABLE width="100.00%" style="margin-left: -5.94pt; width: 100.00%; table-layout: fixed; border-collapse: collapse; ">
                    <TR>
                        <TD width="88.97%" style="width: 88.97%; border: 0; margin: 0; padding: 0; height: 0; ">
                        </TD>
                        <TD width="21.03%" style="width: 21.03%; border: 0; margin: 0; padding: 0; height: 0; ">
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; min-height: 23.32pt; ">
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-bottom:  4.50pt solid #5B862B; ">
                            <P style="margin-top: 0; margin-bottom: 0; "><FONT style="color: #5B862B; font-size: 16.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>Autocallable Participation Notes</font><BR></FONT><FONT style="color: #5B862B; font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Linked to the S&amp;P 500</font></FONT><FONT style="color: #5B862B; vertical-align: super; font-family: Arial, sans-serif; font-size: 7pt; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="color: #5B862B; font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> Index, due November 6, 2028</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-bottom:  4.50pt solid #5B862B; ">
                            <P style="text-align: right; margin-top: 0; margin-bottom: 0; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; ">&nbsp;</FONT></P>
                            <P style="text-align: right; margin-top: 0; margin-bottom: 0; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; ">&nbsp;</FONT></P>
                        </TD>
                    </TR>
                </TABLE>
                <P style="text-align: left; margin-top: 0; margin-bottom: 0; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; ">&nbsp;</FONT></P>
            </DIV>
            <DIV style="width: 595.21pt; padding: 10pt 39.00pt 10pt 39.00pt; position: relative; margin-bottom: 20pt; ">
                <P style="margin-top: 5.5pt; margin-bottom: 5.5pt; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Redemption Amount Calculation Examples</font></FONT></P>
                <TABLE width="101.00%" style="margin-left: .94pt; width: 101.00%; table-layout: fixed; border-collapse: collapse; ">
                    <TR>
                        <TD width="" style="width: ; border: 0; margin: 0; padding: 0; height: 0; ">
                        </TD>
                        <TD width="599.94pt" style="width: 599.94pt; border: 0; margin: 0; padding: 0; height: 0; ">
                        </TD>
                        <TD width="1.21pt" style="width: 1.21pt; 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: 0.0pt; padding-right: 0.0pt; padding-bottom: 0.0pt; ">
                            <P style="margin-top: 5.5pt; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Example 1</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD colspan="3" style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 0.0pt; ">
                            <P style="margin-top: 5.5pt; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>The Ending Value is 70.00, or 70% of the Starting Value:</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD colspan="3" style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 0.0pt; ">
                            <P style="margin-top: 5.5pt; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Starting Value:</font></FONT><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 9.0pt; width: 14.03pt; display: inline-block; ">&nbsp;</FONT><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 9.0pt; "></FONT><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>100</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; "></FONT><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>.00</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD colspan="3" style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 0.0pt; ">
                            <P style="margin-top: 5.5pt; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Threshold Value: 90.00</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD colspan="3" style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 0.0pt; ">
                            <P style="margin-top: 5.5pt; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Ending Value:</font></FONT><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 9.0pt; width: 17.33pt; display: inline-block; ">&nbsp;</FONT><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 9.0pt; "></FONT><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>70</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; "></FONT><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>.00</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD colspan="3" style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 0.0pt; ">
                            <P style="margin-top: 5.5pt; margin-bottom: 0; "><FONT style="font-family: Times New Roman, Times, serif; font-style: italic; font-size: 9.0pt; "><BR></FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><FONT style="width: 98.18pt; height: 18.15pt; ">                                        <IMG SRC="image8.gif" STYLE="width: 119px; height: 22px">
                                        </FONT></FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "></FONT><FONT style="font-family: Times New Roman, Times, serif; 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; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>= $8.00</font></FONT><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> Redemption Amount per unit</font></FONT></P>
                            <P style="margin-top: 5.5pt; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD colspan="2" style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 0.0pt; ">
                            <P style="margin-top: 5.5pt; margin-bottom: 0; "><FONT style="font-weight: bold; font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Example 2</font></FONT></P>
                        </TD>

                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD colspan="2" style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; 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;'>The Ending Value is 95.00, or 95% of the Starting Value:</font></FONT></P>
                        </TD>

                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD colspan="2" style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; 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;'>Starting Value:</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; width: 14.03pt; 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;'>100</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; "></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>.00</font></FONT></P>
                        </TD>

                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD colspan="2" style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; 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;'>Threshold Value:</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; width: 4.12pt; 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;'>90</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; "></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>.00</font></FONT></P>

                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD colspan="2" style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; 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;'>Ending Value:</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; width: 17.33pt; 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;'>95</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; "></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>.00</font></FONT></P>
                        </TD>

                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD colspan="3" style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; 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="width: 132.00pt; height: 22.28pt; ">                                        <IMG SRC="image9.gif" STYLE="width: 160px; height: 27px">
                                        </FONT><font style='white-space: pre-wrap;'> </font></FONT><FONT style="font-weight: bold; font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>= $10.50</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> Redemption Amount per unit</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD colspan="2" style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 0.0pt; ">
                            <P style="margin-top: 5.5pt; margin-bottom: 0; "><FONT style="font-weight: bold; font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
                            <P style="margin-top: 5.5pt; margin-bottom: 0; "><FONT style="font-weight: bold; font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Example 3</font></FONT></P>
                        </TD>

                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD colspan="2" style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; 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;'>The Ending Value is 110.00, or 110% of the Starting Value:</font></FONT></P>
                        </TD>

                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD colspan="2" style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; 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;'>Starting Value:</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; width: 14.03pt; 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;'>100</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; "></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>.00</font></FONT></P>
                            <P style="margin-top: 5.5pt; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Threshold Value:</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; width: 4.12pt; 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;'>90</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; "></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>.00</font></FONT></P>
                        </TD>

                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD colspan="2" style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; 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;'>Ending Value:</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; width: 17.33pt; 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;'>110</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; "></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>.00</font></FONT></P>
                        </TD>

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                        <TD colspan="2" style="padding-top: 0.0pt; padding-left: 0.0pt; padding-right: 0.0pt; padding-bottom: 0.0pt; ">
                            <P style="margin-top: 5.5pt; margin-bottom: 0; "><FONT style="font-weight: bold; font-family: Arial, sans-serif; font-size: 9.0pt; "></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><FONT style="width: 143.55pt; height: 23.10pt; ">                                        <IMG SRC="image10.gif" STYLE="width: 174px; height: 28px">
                                        </FONT></FONT><FONT style="font-weight: bold; font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>= $12.00</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> Redemption Amount per unit</font></FONT></P>
                            <P style="margin-top: 5.5pt; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; ">&nbsp;</FONT></P>
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                            <P style="text-align: left; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; color: #5B862B; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Autocallable Participation Notes</font></FONT></P>
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                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-top:  0.50pt solid #008000; ">
                            <P style="text-align: right; margin-top: 0; margin-bottom: 0; "><FONT style="color: #5B862B; font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>TS-</font><FONT>7</FONT></FONT></P>
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                <P style="text-align: left; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; ">&nbsp;</FONT></P>
                <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 7.0pt; width: 535.36pt; display: inline-block; ">&nbsp;</FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 7.0pt; "></FONT></P>
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            <P></P>
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                            <P style="margin-top: 0; margin-bottom: 0; "><FONT style="color: #5B862B; font-size: 16.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>Autocallable Participation Notes</font><BR></FONT><FONT style="color: #5B862B; font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Linked to the S&amp;P 500</font></FONT><FONT style="color: #5B862B; vertical-align: super; font-family: Arial, sans-serif; font-size: 7pt; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="color: #5B862B; font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> Index, due November 6, 2028</font></FONT></P>
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                            <P style="text-align: right; margin-top: 0; margin-bottom: 0; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; ">&nbsp;</FONT></P>
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                <P style="text-align: left; margin-top: 0; margin-bottom: 0; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; ">&nbsp;</FONT></P>
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            <DIV style="width: 595.21pt; padding: 10pt 39.00pt 10pt 39.00pt; position: relative; margin-bottom: 20pt; ">
                <P style="margin-top: 0.0pt; margin-bottom: 0; "><FONT style="font-size: 20.0pt; font-family: Arial, sans-serif; color: #5B862B; "><font style='white-space: pre-wrap;'>Risk Factors</font></FONT></P>
                <P style="margin-top: 5.5pt; margin-bottom: 0; "><FONT style="font-style: italic; font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>This section describes the material risks relating to</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> </font></FONT><FONT style="font-style: italic; font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>the notes.</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> </font></FONT><FONT style="font-style: italic; font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>For further discussion of these and other risks, you should read the section entitled &#8220;Risk Factors&#8221; in the accompanying product supplement and prospectus. You should also consult your investment, legal, tax, accounting and other advisers in connection with your investment</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> </font></FONT><FONT style="font-style: italic; font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>in the notes. </font></FONT></P>
                <P style="margin-top: 5.5pt; margin-bottom: 0; "><FONT style="font-weight: bold; text-decoration-style: solid; text-decoration-line: underline; font-family: Arial, sans-serif; font-size: 9.0pt; "><U><font style='white-space: pre-wrap;'>Structure-related Risks</font></U></FONT></P>
                <P style="margin-top: 5.5pt; margin-bottom: 0; margin-left: 39.00pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; color: #5B862B; font-size: 9.0pt; ">&#65517;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-weight: bold; font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Your investment may result in a loss</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>. There is no fixed principal repayment amount on the notes at maturity. If the notes are not called and the Ending Value is less than the Threshold Value, you may lose up to 90% of the principal amount, depending on the negative performance of the Market Measure as measured from the Starting Value to the Ending Value.</font></FONT></FONT></P>
                <P style="margin-top: 5.5pt; margin-bottom: 0; margin-left: 39.00pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; color: #5B862B; font-size: 9.0pt; ">&#65517;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-weight: bold; font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>If the notes are automatically called prior to maturity, your investment return will be limited to the return represented by the Call Premium and may be less than a comparable investment directly in the stocks included in the Market Measure</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>. If, on the Call Observation Date, the Observation Value is greater than or equal to the Call Value, we will automatically call the notes. If the notes are automatically called, your return will be limited to the Call Premium, regardless of the extent of the increase in the value of the Market Measure. You will not participate in any positive performance of the Market Measure, which may be significant, and will not have voting rights or rights to receive dividends or other distributions or any other rights with respect to the stocks included in the Market Measure.</font></FONT></FONT></P>
                <P style="margin-top: 5.5pt; margin-bottom: 0; margin-left: 39.00pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; color: #5B862B; font-size: 9.0pt; ">&#65517;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-weight: bold; font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Payments on the notes will not reflect changes in the value of the Market Measure other than on the Call Observation Date or the Final Calculation Day</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>. As a result, even if the level of the Market Measure increases during the term of the notes, you will not receive any Call Payment if the Observation Value on the Call Observation Date is less than the Call Value. Similarly, if the notes are not called, you will receive a Redemption Amount that is less than the principal amount if the Ending Value is less than the Threshold Value on the Final Calculation Day, even if the level of the Market Measure was greater than the Threshold Value prior to such Final Calculation Day.</font></FONT></FONT></P>
                <P style="margin-top: 5.5pt; margin-bottom: 0; margin-left: 39.00pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; color: #5B862B; font-size: 9.0pt; ">&#65517;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-weight: bold; font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Your notes may be called prior to maturity</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>. If the notes are called, you will be subject to reinvestment risk, and may be forced to invest in a lower interest rate environment and may not be able to reinvest at comparable terms or returns.</font></FONT></FONT></P>
                <P style="margin-top: 5.5pt; margin-bottom: 0; margin-left: 39.00pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; color: #5B862B; font-size: 9.0pt; ">&#65517;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-weight: bold; font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>The notes do not provide for regular interest payments</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>. Your return on the notes may be less than the yield you could earn by owning a conventional fixed or floating rate debt security of comparable maturity.</font></FONT></FONT></P>
                <P style="margin-top: 5.5pt; margin-bottom: 0; margin-left: 39.00pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; color: #5B862B; font-size: 9.0pt; ">&#65517;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-weight: bold; font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Payments on the notes are subject to our credit risk, and any actual or perceived changes in our creditworthiness are expected to affect the value of, or any amounts payable on, the notes</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>. You are dependent on our ability to pay all amounts due on the notes upon automatic redemption and at maturity and therefore you are subject to our credit risk.  The notes are not guaranteed by any other entity.  If we default on our obligations under the notes, your investment would be at risk and you could lose some or all of your investment.  As a result, the market value of the notes prior to maturity will be affected by changes in the market&#8217;s view of our creditworthiness.  Any actual or anticipated decline in our credit ratings or increase in the credit spreads charged by the market for taking our credit risk is likely to adversely affect the market value of the notes.</font></FONT></FONT></P>
                <P style="margin-top: 5.5pt; margin-bottom: 0; margin-left: 39.00pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; color: #5B862B; font-size: 9.0pt; ">&#65517;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-weight: bold; font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>As a finance subsidiary, MSFL has no independent operations and will have no independent assets</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>.  As a finance subsidiary, MSFL has no independent operations beyond the issuance and administration of its securities and will have no independent assets available for distributions to holders of MSFL securities if they make claims in respect of such securities in a bankruptcy, resolution or similar proceeding.  Accordingly, any recoveries by such holders will be limited to those available under the related guarantee by Morgan Stanley and that guarantee will rank pari passu with all other unsecured, unsubordinated obligations of Morgan Stanley. Holders will have recourse only to a single claim against Morgan Stanley and its assets under the guarantee. Holders of securities issued by MSFL should accordingly assume that in any such proceedings they would not have any priority over and should be treated pari passu with the claims of other unsecured, unsubordinated creditors of Morgan Stanley, including holders of Morgan Stanley-issued securities.</font></FONT></FONT></P>
                <P style="margin-top: 5.5pt; margin-bottom: 0; "><FONT style="font-weight: bold; text-decoration-style: solid; text-decoration-line: underline; font-family: Arial, sans-serif; font-size: 9.0pt; "><U><font style='white-space: pre-wrap;'>Valuation- and Market-related Risks</font></U></FONT></P>
                <P style="margin-top: 4.4pt; margin-bottom: 0; margin-left: 39.60pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; color: #5B862B; font-size: 9.0pt; ">&#65517;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-weight: bold; font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>The notes are not designed to be short-term trading instruments, and if you attempt to sell the notes prior to maturity, their market value, if any, will be affected by various factors that interrelate in complex ways, and their market value may be less than the principal amount</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>. The notes are not designed to be short-term trading instruments. If you wish to liquidate your investment in the notes prior to maturity, your only option would be to sell them in the secondary market. At that time, there may be an illiquid market for your notes or no market at all. Even if you were able to sell your notes, there are many factors outside of our control that may adversely affect their market value, some of which, but not all, are stated below. The impact of any one factor may be offset or magnified by the effect of another factor. These factors may interact with each other in complex and unpredictable ways. Factors that may influence the value of the notes include:</font></FONT></FONT></P>
                <P style="margin-top: 4.4pt; margin-bottom: 0; margin-left: 79.20pt; 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: Times New Roman, Times, serif; font-size: 9.0pt; ">o</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>value of the Market Measure,</font></FONT></FONT></P>
                <P style="margin-top: 4.4pt; margin-bottom: 0; margin-left: 79.20pt; 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: Times New Roman, Times, serif; font-size: 9.0pt; ">o</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>volatility of the Market Measure,</font></FONT></FONT></P>
                <P style="margin-top: 4.4pt; margin-bottom: 0; margin-left: 79.20pt; 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: Times New Roman, Times, serif; font-size: 9.0pt; ">o</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>economic and other conditions generally,</font></FONT></FONT></P>
                <P style="margin-top: 4.4pt; margin-bottom: 0; margin-left: 79.20pt; 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: Times New Roman, Times, serif; font-size: 9.0pt; ">o</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>interest rates,</font></FONT></FONT></P>
                <P style="margin-top: 4.4pt; margin-bottom: 0; margin-left: 79.20pt; 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: Times New Roman, Times, serif; font-size: 9.0pt; ">o</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>dividend yields,</font></FONT></FONT></P>
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                            <P style="text-align: left; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; color: #5B862B; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Autocallable Participation Notes</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-top:  0.50pt solid #008000; ">
                            <P style="text-align: right; margin-top: 0; margin-bottom: 0; "><FONT style="color: #5B862B; font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>TS-</font><FONT>8</FONT></FONT></P>
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                <P style="text-align: left; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; ">&nbsp;</FONT></P>
                <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 7.0pt; width: 535.36pt; display: inline-block; ">&nbsp;</FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 7.0pt; "></FONT></P>
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            <DIV style="width: 595.21pt; padding: 31.19pt 39.00pt 0 39.00pt; min-height: 48.02pt; position: relative; ">
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                            <P style="margin-top: 0; margin-bottom: 0; "><FONT style="color: #5B862B; font-size: 16.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>Autocallable Participation Notes</font><BR></FONT><FONT style="color: #5B862B; font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Linked to the S&amp;P 500</font></FONT><FONT style="color: #5B862B; vertical-align: super; font-family: Arial, sans-serif; font-size: 7pt; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="color: #5B862B; font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> Index, due November 6, 2028</font></FONT></P>
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                            <P style="text-align: right; margin-top: 0; margin-bottom: 0; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; ">&nbsp;</FONT></P>
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                <P style="text-align: left; margin-top: 0; margin-bottom: 0; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; ">&nbsp;</FONT></P>
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            <DIV style="width: 595.21pt; padding: 10pt 39.00pt 10pt 39.00pt; position: relative; margin-bottom: 20pt; ">
                <P style="margin-top: 4.4pt; margin-bottom: 0; margin-left: 79.20pt; 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: Times New Roman, Times, serif; font-size: 9.0pt; ">o</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>our financial condition and creditworthiness, and</font></FONT></FONT></P>
                <P style="margin-top: 4.4pt; margin-bottom: 0; margin-left: 79.20pt; 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: Times New Roman, Times, serif; font-size: 9.0pt; ">o</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>time remaining to maturity.</font></FONT></FONT></P>
                <P style="margin-top: 4.4pt; margin-bottom: 0; margin-left: 39.60pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; color: #5B862B; font-size: 9.0pt; ">&#65517;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-weight: bold; font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>The rate we are willing to pay for securities of this type, maturity and issuance size is likely to be lower than the rate implied by our secondary market credit spreads and advantageous to us</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>. Both the lower rate and the inclusion of costs associated with issuing, selling, structuring and hedging the notes in the original issue price reduce the economic terms of the notes, cause the estimated value of the notes to be less than the original issue price and will adversely affect secondary market prices. Assuming no change in market conditions or any other relevant factors, the prices, if any, at which dealers, including MS &amp; Co., may be willing to purchase the notes in secondary market transactions will likely be significantly lower than the original issue price, because secondary market prices will exclude the issuing, selling, structuring and hedging-related costs that are included in the original issue price and borne by you and because the secondary market prices will reflect our secondary market credit spreads and the bid-offer spread that any dealer would charge in a secondary market transaction of this type as well as other factors. The inclusion of the costs of issuing, selling, structuring and hedging the notes in the original issue price and the lower rate we are willing to pay as issuer make the economic terms of the notes less favorable to you than they otherwise would be. However, because the costs associated with issuing, selling, structuring and hedging the notes are not fully deducted upon issuance, for a period of up to 6 months following the issue date, to the extent that MS &amp; Co. may buy or sell the notes in the secondary market, absent changes in market conditions, including those related to the Market Measure, and to our secondary market credit spreads, it would do so based on values higher than the estimated value, and we expect that those higher values will also be reflected in your brokerage account statements.</font></FONT></FONT></P>
                <P style="margin-top: 4.4pt; margin-bottom: 0; margin-left: 39.60pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; color: #5B862B; font-size: 9.0pt; ">&#65517;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-weight: bold; font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>The estimated value of the notes is determined by reference to our pricing and valuation models, which may differ from those of other dealers and is not a maximum or minimum secondary market price</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>. These pricing and valuation models are proprietary and rely in part on subjective views of certain market inputs and certain assumptions about future events, which may prove to be incorrect. As a result, because there is no market-standard way to value these types of securities, our models may yield a higher estimated value of the notes than those generated by others, including other dealers in the market, if they attempted to value the notes. In addition, the estimated value on the pricing date does not represent a minimum or maximum price at which dealers, including MS &amp; Co., would be willing to purchase your notes in the secondary market (if any exists) at any time. The value of your notes at any time after the date of this document will vary based on many factors that cannot be predicted with accuracy, including our creditworthiness and changes in market conditions. See also &#8220;The notes are not designed to be short-term trading instruments, and if you attempt to sell the notes prior to maturity, their market value, if any, will be affected by various factors that interrelate in complex ways, and their market value may be less than the principal amount&#8221; above.</font></FONT></FONT></P>
                <P style="margin-top: 4.4pt; margin-bottom: 0; margin-left: 39.60pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; color: #5B862B; font-size: 9.0pt; ">&#65517;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-weight: bold; font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>The notes may not be listed on any securities exchange and secondary trading may be limited</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>. Neither MS &amp; Co. nor MLPF&amp;S is obligated to make a market for, or repurchase, the notes. There is no assurance that any party will be willing to purchase your notes at any price in any secondary market. </font></FONT></FONT></P>
                <P style="margin-top: 5.5pt; margin-bottom: 0; "><FONT style="font-weight: bold; text-decoration-style: solid; text-decoration-line: underline; font-family: Arial, sans-serif; font-size: 9.0pt; "><U><font style='white-space: pre-wrap;'>Conflict-related Risks</font></U></FONT></P>
                <P style="margin-top: 4.4pt; margin-bottom: 0; margin-left: 39.60pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; color: #5B862B; font-size: 9.0pt; ">&#65517;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-weight: bold; font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Hedging and trading activity by our affiliates or by MLPF&amp;S and their affiliates could potentially affect the value of the notes</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>. Our hedging and trading activities (including trades in shares of companies included in the Market Measure) and any hedging and trading activities we and our affiliates or MLPF&amp;S or their affiliates engage in that are not for your account or on your behalf may affect the market value and return of the notes and may create conflicts of interest with you. </font></FONT></FONT></P>
                <P style="margin-top: 4.4pt; margin-bottom: 0; margin-left: 39.60pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; color: #5B862B; font-size: 9.0pt; ">&#65517;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-weight: bold; font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Conflicts of interest</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>. There may be potential conflicts of interest involving the calculation agent, which is an affiliate of ours. We have the right to appoint and remove the calculation agent.</font></FONT></FONT></P>
                <P style="margin-top: 5.5pt; margin-bottom: 0; "><FONT style="font-weight: bold; text-decoration-style: solid; text-decoration-line: underline; font-family: Arial, sans-serif; font-size: 9.0pt; "><U><font style='white-space: pre-wrap;'>Market Measure-related Risks</font></U></FONT></P>
                <P style="margin-top: 4.4pt; margin-bottom: 0; margin-left: 39.60pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; color: #5B862B; font-size: 9.0pt; ">&#65517;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-weight: bold; font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>No obligations for the Market Measure sponsor</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>. The Market Measure sponsor may adjust the Market Measure in a way that affects its level and has no obligation to consider your interests.  </font></FONT></FONT></P>
                <P style="margin-top: 4.4pt; margin-bottom: 0; margin-left: 39.60pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; color: #5B862B; font-size: 9.0pt; ">&#65517;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-weight: bold; font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Investing in the notes is not the equivalent to investing in the Market Measure</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>.</font></FONT><FONT style="font-weight: bold; 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-size: 9.0pt; "><font style='white-space: pre-wrap;'>You will not have any rights with respect to the Market Measure or its underlying assets, including any voting rights or any right to receive dividends or other distributions. </font></FONT></FONT></P>
                <P style="margin-top: 4.4pt; margin-bottom: 0; margin-left: 39.60pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; color: #5B862B; font-size: 9.0pt; ">&#65517;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-weight: bold; font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>No control over the companies included in the Market Measure</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>.</font></FONT><FONT style="font-weight: bold; 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-size: 9.0pt; "><font style='white-space: pre-wrap;'>While we and our affiliates or MLPF&amp;S and their affiliates may from time to time own securities of companies included in the Market Measure, except to the extent that Morgan Stanley&#8217;s common stock is included in the Market Measure, we and our affiliates or MLPF&amp;S and their affiliates do not control any company included in the Market Measure, and have not verified any disclosure made by any other company. You should undertake your own investigation into the Market Measure and its underlying assets.</font></FONT></FONT></P>
                <P style="text-indent: 0.0pt; padding-left: 0.0pt; margin-top: 5.5pt; margin-bottom: 0; "><FONT style="font-weight: bold; text-decoration-style: solid; text-decoration-line: underline; font-family: Arial, sans-serif; font-size: 9.0pt; "><U><font style='white-space: pre-wrap;'>Tax-related Risks</font></U></FONT></P>
                <P style="margin-top: 5.5pt; margin-bottom: 0; margin-left: 39.00pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; font-size: 9.0pt; ">&#65517;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-weight: bold; font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>The U.S. federal income tax consequences of an investment in the notes are uncertain. </font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Please read the discussion under &#8220;Summary U.S. Federal Tax Consequences&#8221; in this document and the discussion under &#8220;United States Federal Taxation&#8221; in the accompanying product supplement (together, the &#8220;Tax Disclosure Sections&#8221;) concerning the U.S. federal income tax consequences of an investment in the notes. There is no direct legal authority regarding the proper U.S. federal tax treatment of the notes, and we do not plan to request a ruling from the Internal Revenue Service (the &#8220;IRS&#8221;). Consequently, significant aspects of the tax treatment of the notes are uncertain, and the IRS or a court might not agree with the tax treatment of a note as a single financial contract that is an &#8220;open transaction&#8221; for U.S. federal income tax purposes. If the IRS were </font></FONT></FONT></P>
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                            <P style="text-align: left; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; color: #5B862B; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Autocallable Participation Notes</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-top:  0.50pt solid #008000; ">
                            <P style="text-align: right; margin-top: 0; margin-bottom: 0; "><FONT style="color: #5B862B; font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>TS-</font><FONT>9</FONT></FONT></P>
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                <P style="text-align: left; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; ">&nbsp;</FONT></P>
                <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 7.0pt; width: 535.36pt; display: inline-block; ">&nbsp;</FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 7.0pt; "></FONT></P>
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            <P></P>
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        <DIV style="margin: auto; width: 673.20pt; padding: 36pt 0; ">
            <DIV style="width: 595.21pt; padding: 31.19pt 39.00pt 0 39.00pt; min-height: 48.02pt; position: relative; ">
                <TABLE width="100.00%" style="margin-left: -5.94pt; width: 100.00%; table-layout: fixed; border-collapse: collapse; ">
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                        <TD width="21.03%" style="width: 21.03%; border: 0; margin: 0; padding: 0; height: 0; ">
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; min-height: 23.32pt; ">
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-bottom:  4.50pt solid #5B862B; ">
                            <P style="margin-top: 0; margin-bottom: 0; "><FONT style="color: #5B862B; font-size: 16.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>Autocallable Participation Notes</font><BR></FONT><FONT style="color: #5B862B; font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Linked to the S&amp;P 500</font></FONT><FONT style="color: #5B862B; vertical-align: super; font-family: Arial, sans-serif; font-size: 7pt; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="color: #5B862B; font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> Index, due November 6, 2028</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-bottom:  4.50pt solid #5B862B; ">
                            <P style="text-align: right; margin-top: 0; margin-bottom: 0; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; ">&nbsp;</FONT></P>
                            <P style="text-align: right; margin-top: 0; margin-bottom: 0; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; ">&nbsp;</FONT></P>
                        </TD>
                    </TR>
                </TABLE>
                <P style="text-align: left; margin-top: 0; margin-bottom: 0; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; ">&nbsp;</FONT></P>
            </DIV>
            <DIV style="width: 595.21pt; padding: 10pt 39.00pt 10pt 39.00pt; position: relative; margin-bottom: 20pt; ">
                <P style="margin-top: 5.5pt; margin-bottom: 0; margin-left: 39.00pt; "><FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>successful in asserting an alternative treatment of the notes, the tax consequences of the ownership and disposition of the notes, including the timing and character of income recognized by U.S. Holders and the withholding tax consequences to Non-U.S. Holders, might be materially and adversely affected. Moreover, future legislation, Treasury regulations or IRS guidance could adversely affect the U.S. federal tax treatment of the notes, possibly retroactively. </font></FONT></FONT></P>
                <P style="padding-left: 39.0pt; margin-top: 5.5pt; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Both U.S. and Non-U.S. Holders should consult their tax advisers regarding the U.S. federal income tax consequences of an investment in the notes, including possible alternative treatments, as well as any tax consequences arising under the laws of any state, local or non-U.S. taxing jurisdiction.</font></FONT></P>
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                            <P style="text-align: left; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; color: #5B862B; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Autocallable Participation Notes</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-top:  0.50pt solid #008000; ">
                            <P style="text-align: right; margin-top: 0; margin-bottom: 0; "><FONT style="color: #5B862B; font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>TS-</font><FONT>10</FONT></FONT></P>
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                <P style="text-align: left; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; ">&nbsp;</FONT></P>
                <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 7.0pt; width: 535.36pt; display: inline-block; ">&nbsp;</FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 7.0pt; "></FONT></P>
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            <DIV style="width: 595.21pt; padding: 31.19pt 39.00pt 0 39.00pt; min-height: 48.02pt; position: relative; ">
                <TABLE width="100.00%" style="margin-left: -5.94pt; width: 100.00%; table-layout: fixed; border-collapse: collapse; ">
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                            <P style="margin-top: 0; margin-bottom: 0; "><FONT style="color: #5B862B; font-size: 16.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>Autocallable Participation Notes</font><BR></FONT><FONT style="color: #5B862B; font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Linked to the S&amp;P 500</font></FONT><FONT style="color: #5B862B; vertical-align: super; font-family: Arial, sans-serif; font-size: 7pt; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="color: #5B862B; font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> Index, due November 6, 2028</font></FONT></P>
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                <P style="margin-top: 0.0pt; margin-bottom: 0; "><FONT style="color: #5B862B; font-size: 20.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>The Market Measure</font></FONT></P>
                <P style="margin-top: 4.95pt; padding-left: 2.2pt; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>All disclosures contained in this pricing supplement regarding the Market Measure, including, without limitation, its make-up, method of calculation, and changes in its components, have been derived from publicly available sources. The information reflects the policies of, and is subject to change by,</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; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>S&amp;P</font></FONT><FONT style="font-family: Arial, sans-serif; color: #000000; vertical-align: super; font-size: 7pt; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> Dow Jones Indices LLC (&#8220;S&amp;P</font></FONT><FONT style="font-family: Arial, sans-serif; color: #000000; vertical-align: super; font-size: 7pt; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>&#8221;). S&amp;P</font></FONT><FONT style="font-family: Arial, sans-serif; color: #000000; vertical-align: super; font-size: 7pt; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>, which licenses the copyright and all other rights to the Market Measure, has no obligation to continue to publish, and may discontinue publication of, the Market Measure. The consequences of S&amp;P</font></FONT><FONT style="font-family: Arial, sans-serif; color: #000000; vertical-align: super; font-size: 7pt; "><font style='white-space: pre-wrap;'>&#174; </font></FONT><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>discontinuing publication of the Market Measure are discussed in the section of&#160;the accompanying product supplement beginning on page PS-37&#160;entitled &#8220;Description of the Notes&#8212;Discontinuance of an Index.&#8221; &#160;None of us and our affiliates or MLPF&amp;S or their affiliates or&#160;the calculation agent accepts any responsibility for the calculation, maintenance or publication of the Market Measure or any successor index.</font></FONT></P>
                <P style="margin-top: 4.95pt; padding-left: 2.2pt; margin-bottom: 0; "><FONT style="background-color: #FFFFFF; font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>The S&amp;P 500</font></FONT><FONT style="background-color: #FFFFFF; vertical-align: super; font-family: Arial, sans-serif; font-size: 7pt; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="background-color: #FFFFFF; font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> Index, which is calculated, maintained and published by S&amp;P</font></FONT><FONT style="background-color: #FFFFFF; vertical-align: super; font-family: Arial, sans-serif; font-size: 7pt; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="background-color: #FFFFFF; font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>, is intended to provide a benchmark for performance measurement of the large capitalization segment of the U.S. equity markets by tracking the stock price movement of 500 companies with large market capitalizations. Component stocks of the S&amp;P 500</font></FONT><FONT style="background-color: #FFFFFF; vertical-align: super; font-family: Arial, sans-serif; font-size: 7pt; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="background-color: #FFFFFF; font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> Index are required to have a total company level market capitalization that reflects approximately the 85</font></FONT><FONT style="background-color: #FFFFFF; vertical-align: super; font-family: Arial, sans-serif; font-size: 7pt; "><font style='white-space: pre-wrap;'>th</font></FONT><FONT style="background-color: #FFFFFF; font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> percentile of the S&amp;P</font></FONT><FONT style="background-color: #FFFFFF; vertical-align: super; font-family: Arial, sans-serif; font-size: 7pt; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="background-color: #FFFFFF; font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> Total Market Index. The S&amp;P 500</font></FONT><FONT style="background-color: #FFFFFF; vertical-align: super; font-family: Arial, sans-serif; font-size: 7pt; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="background-color: #FFFFFF; font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> Index measures the relative performance of the common stocks of 500 companies as of a particular time as compared to the performance of the common stocks of 500 similar companies during the base period of the years 1941 through 1943.</font></FONT></P>
                <P style="margin-top: 4.95pt; padding-left: 2.2pt; margin-bottom: 0; "><FONT style="background-color: #FFFFFF; font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>For additional information about the S&amp;P 500</font></FONT><FONT style="background-color: #FFFFFF; vertical-align: super; font-family: Arial, sans-serif; font-size: 7pt; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="background-color: #FFFFFF; font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> Index, see &#8220;Annex A &#8211; S&amp;P 500</font></FONT><FONT style="background-color: #FFFFFF; vertical-align: super; font-family: Arial, sans-serif; font-size: 7pt; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="background-color: #FFFFFF; font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> Index&#8221; below.</font></FONT></P>
                <P style="margin-top: 5.5pt; margin-bottom: 0; "><FONT style="font-weight: bold; font-style: italic; font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>The following graph shows the daily historical performance of the Market Measure in the period from January 1, 2015 through the pricing date. We obtained this historical data from Bloomberg L.P. We have not independently verified the accuracy or completeness of the information obtained from Bloomberg L.P. On the pricing date, the closing level of the Market Measure was 6,822.34.</font></FONT></P>
                <P style="text-align: center; margin-top: 5.5pt; margin-bottom: 0; "><FONT style="font-weight: bold; font-style: italic; font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Historical Performance of the Market Measure</font></FONT></P>
                <P style="text-align: center; margin-top: 5.5pt; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><FONT style="width: 595.65pt; height: 312.68pt; ">                            <IMG width="595.65pt" height="312.68pt" src="image11.gif" style="width: 595.65pt; height: 312.68pt; ">
                            </FONT></FONT></P>
                <P style="margin-top: 5.5pt; margin-bottom: 0; "><FONT style="font-weight: bold; font-style: italic; font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>This historical data on the Market Measure is not necessarily indicative of the future performance of the Market Measure or what the value of the notes may be. Any historical upward or downward trend in the level of the Market Measure during any period set forth above is not an indication that the level of the Market Measure is more or less likely to increase or decrease at any time over the term of the notes.</font></FONT></P>
                <P style="margin-top: 5.5pt; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>You should consult publicly available sources for the levels of the Market Measure.</font></FONT></P>
                <P style="margin-top: 5.5pt; margin-bottom: 5.5pt; text-indent: -15.62pt; padding-left: 31.24pt; "><FONT style="color: black; font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>&#8220;Standard &amp; Poor&#8217;s</font></FONT><FONT style="color: black; font-size: 7pt; vertical-align: super; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="color: black; font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>,&#8221; &#8220;S&amp;P</font></FONT><FONT style="color: black; font-size: 7pt; vertical-align: super; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="color: black; font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>,&#8221; &#8220;S&amp;P 500</font></FONT><FONT style="color: black; font-size: 7pt; vertical-align: super; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="color: black; font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>,&#8221; &#8220;Standard &amp; Poor&#8217;s 500&#8221; and &#8220;500&#8221; are trademarks of Standard and Poor&#8217;s Financial Services LLC. For more information, see &#8220;Annex A &#8211; S&amp;P 500</font></FONT><FONT style="color: black; font-size: 7pt; vertical-align: super; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="color: black; font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'> Index&#8221; below.</font></FONT></P>
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                            <P style="text-align: left; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; color: #5B862B; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Autocallable Participation Notes</font></FONT></P>
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                <P style="text-align: left; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; ">&nbsp;</FONT></P>
                <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 7.0pt; width: 535.36pt; display: inline-block; ">&nbsp;</FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 7.0pt; "></FONT></P>
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                            <P style="margin-top: 0; margin-bottom: 0; "><FONT style="color: #5B862B; font-size: 16.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>Autocallable Participation Notes</font><BR></FONT><FONT style="color: #5B862B; font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Linked to the S&amp;P 500</font></FONT><FONT style="color: #5B862B; vertical-align: super; font-family: Arial, sans-serif; font-size: 7pt; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="color: #5B862B; font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> Index, due November 6, 2028</font></FONT></P>
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                <P style="margin-top: 0.0pt; margin-bottom: 0; "><FONT style="color: #5B862B; font-size: 20.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>Supplement to the Plan of Distribution; Conflicts of Interest</font></FONT></P>
                <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
                <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>MS &amp; Co. is the agent for this offering. We have agreed to sell to MS &amp; Co., and MS &amp; Co. has agreed to purchase, all of the notes at the issue price less the underwriting discount indicated on the cover of this document. MLPF&amp;S will purchase the notes from MS &amp; Co. for resale, and will receive a discount in connection with the sale of the notes in an amount up to the full amount of underwriting discount set forth on the cover of this pricing supplement. MLPF&amp;S will offer the notes at the public offering price set forth on the cover page hereto.</font></FONT></P>
                <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
                <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>MS &amp; Co. is our affiliate and a wholly owned subsidiary of Morgan Stanley, and it and other affiliates of ours expect to make a profit by selling, structuring and, when applicable, hedging the notes.  </font></FONT></P>
                <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
                <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>MS &amp; Co. will conduct this offering in compliance with the requirements of Rule 5121 of the Financial Industry Regulatory Authority, Inc. (&#8220;FINRA&#8221;), regarding a FINRA member firm&#8217;s distribution of the securities of an affiliate and related conflicts of interest. MS &amp; Co. or any of our other affiliates may not make sales in this offering to any discretionary account.</font></FONT></P>
                <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
                <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>The costs included in the original issue price of the notes will include a fee paid by MS &amp; Co. to LFT Securities, LLC, an entity in which an affiliate of MLPF&amp;S has an ownership interest in, which will reduce the economic terms of the notes to you.</font></FONT></P>
                <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
                <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>We will deliver the notes against payment therefor in New York, New York on a date that is greater than one business day following the pricing date. Under Rule 15c6-1 of the Securities Exchange Act of 1934, trades in the secondary market generally are required to settle in one business day, unless the parties to any such trade expressly agree otherwise. Accordingly, purchasers who wish to trade the notes more than one business day prior to the original issue date will be required to specify alternative settlement arrangements to prevent a failed settlement.</font></FONT></P>
                <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
                <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>The notes will not be listed on any securities exchange. In the original offering of the notes, the notes will be sold in minimum investment amounts of 10,000 units. If you place an order to purchase the notes, you are consenting to MLPF&amp;S and/or one of its affiliates acting as a principal in effecting the transaction for your account.</font></FONT></P>
                <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
                <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>MS&amp;Co. may repurchase and resell the notes, with repurchases and resales being made at prices related to then-prevailing market prices or at negotiated prices, and these will include MS&amp;Co.&#8217;s trading commissions and mark-ups or mark-downs. MS&amp;Co. may act as principal or agent in these market-making transactions; however MS&amp;Co. is not obligated to engage in any such transactions. At MS&amp;Co.&#8217;s discretion, for a short, undetermined initial period after the issuance of the notes, MS&amp;Co. may offer to buy the notes in the secondary market at a price that may exceed the initial estimated value of the notes. Any price offered by MS&amp;Co. for the notes will be based on then-prevailing market conditions and other considerations, including the performance of the Market Measure and the remaining term of the notes. However, neither we nor any of our affiliates is obligated to purchase your notes at any price, or at any time, and we cannot assure you that we or any of our affiliates will purchase your notes at a price that equals or exceeds the initial estimated value of the notes.</font></FONT></P>
                <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
                <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>The value of the notes shown on your account statement will be based on MS&amp;Co.&#8217;s estimate of the value of the notes if MS&amp;Co. were to make a market in the notes, which it is not obligated to do. That estimate will be based upon the price that MS&amp;Co. may pay for the notes in light of then-prevailing market conditions and other considerations, as mentioned above, and will include transaction costs. At certain times, this price may be higher than or lower than the initial estimated value of the notes.</font></FONT></P>
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                            <P style="margin-top: 0; margin-bottom: 0; "><FONT style="color: #5B862B; font-size: 16.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>Autocallable Participation Notes</font><BR></FONT><FONT style="color: #5B862B; font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Linked to the S&amp;P 500</font></FONT><FONT style="color: #5B862B; vertical-align: super; font-family: Arial, sans-serif; font-size: 7pt; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="color: #5B862B; font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> Index, due November 6, 2028</font></FONT></P>
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                <P style="text-align: left; margin-top: 0; 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: 6.6pt; "><FONT style="color: #5B862B; font-size: 20.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>Structuring the Notes</font></FONT></P>
                <P style="margin-top: 5.5pt; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>The notes are our debt securities, the return on which is linked to the performance of the Market Measure.  The related guarantees are Morgan Stanley&#8217;s obligations. As is the case for all of our and Morgan Stanley&#8217;s respective debt securities, including our market-linked notes, the economic terms of the notes reflect our and Morgan Stanley&#8217;s actual or perceived creditworthiness at the time of pricing.  In addition, because market-linked notes result in increased operational, funding and liability management costs to us and Morgan Stanley, Morgan Stanley typically borrows the funds under these types of notes at a rate that is more favorable to Morgan Stanley than the rate that it might pay for a conventional fixed or floating rate debt security. This rate, which we refer to in this pricing supplement as Morgan Stanley&#8217;s internal funding rate, is typically lower than the rate Morgan Stanley would pay when it issues conventional fixed or floating rate debt securities. This generally relatively lower internal funding rate, which is reflected in the economic terms of the notes, along with the fees and charges associated with market-linked notes, resulted in the initial estimated value of the notes on the pricing date being less than their public offering price.</font></FONT></P>
                <P style="margin-top: 5.5pt; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>At maturity, if not previously automatically called, we are required to pay the Redemption Amount to holders of the notes, which will be calculated based on the performance of the Market Measure and the $10 per unit principal amount. In order to meet these payment obligations, at the time we issue the notes, we may choose to enter into certain hedging arrangements (which may include call options, put options or other derivatives) with MS&amp;Co. or one of our other affiliates.  The terms of these hedging arrangements are determined by seeking bids from market participants, which may include MS&amp;Co. and our other affiliates, and take into account a number of factors, including our and Morgan Stanley&#8217;s creditworthiness, interest rate movements, the volatility of the Market Measure, the tenor of the notes and the tenor of the hedging arrangements.  The economic terms of the notes and their initial estimated value depend in part on the terms of these hedging arrangements. These hedging arrangements are expected to result in a profit to those engaging in the hedging activity, which could be more or less than initially expected, but could also result in a loss.</font></FONT></P>
                <P style="margin-top: 5.5pt; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>For further information, see &#8220;Risk Factors&#8212;Valuation and Market-related Risks&#8221; and &#8220;&#8212;Conflict-related Risks&#8221; beginning on page PS-8 and PS-9, respectively, and &#8220;Use of Proceeds and Hedging&#8221; on page PS-27 of the accompanying product supplement. </font></FONT></P>
                <P style="margin-top: 5.5pt; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
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                <P style="margin-top: 0.0pt; margin-bottom: 0; "><FONT style="color: #5B862B; font-size: 20.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>Summary U.S. Federal Tax Consequences</font></FONT></P>
                <P style="margin-bottom: 8.8pt; margin-top: 0; "><FONT style="color: #000000; font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Although there is uncertainty regarding the U.S. federal income tax consequences of an investment in the </font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>notes</font></FONT><FONT style="color: #000000; font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> due to the lack of governing authority, in the opinion of our counsel, Davis Polk &amp; Wardwell LLP, under current law, and based on current market conditions, it is reasonable to treat a note</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> </font></FONT><FONT style="color: #000000; font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>as a single financial contract that is an &#8220;open transaction&#8221; for U.S. federal income tax purposes, as described in the section entitled &#8220;United States Federal Taxation&#8212;Tax Consequences to U.S. Holders&#8212;Notes Treated as Single Financial Contracts that are Open Transactions&#8221; in the accompanying product supplement. </font></FONT></P>
                <P style="margin-bottom: 8.8pt; text-indent: 0.77pt; margin-top: 0; "><FONT style="color: #000000; font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Assuming this treatment of the </font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>notes </font></FONT><FONT style="color: #000000; font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>is respected and subject to the discussion in &#8220;United States Federal Taxation&#8221; in the accompanying product supplement, the following U.S. federal income tax consequences should result based on current law:</font></FONT></P>
                <P style="margin-bottom: 8.8pt; margin-top: 0; margin-left: 26.90pt; 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: #000000; font-size: 9.0pt; ">&#65517;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="color: #000000; font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>A U.S. Holder should not be required to recognize taxable income over the term of the notes prior to settlement, other than pursuant to a sale or exchange.</font></FONT></FONT></P>
                <P style="margin-bottom: 8.8pt; margin-top: 0; margin-left: 26.90pt; 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: #000000; font-size: 9.0pt; ">&#65517;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="color: #000000; font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Upon a sale, exchange or settlement of the notes, including a retirement at maturity or, if applicable, an earlier redemption, a U.S. Holder should recognize gain or loss equal to the difference between the amount realized and the U.S. Holder&#8217;s tax basis in the notes. Such gain or loss should be long-term capital gain or loss if the investor has held the notes for more than one year, and short-term capital gain or loss otherwise.</font></FONT></FONT></P>
                <P style="margin-top: 3.3pt; margin-bottom: 6.6pt; "><FONT style="color: #000000; font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>We do not plan to request a ruling from the Internal Revenue Service (the &#8220;IRS&#8221;) regarding the treatment of the </font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>notes</font></FONT><FONT style="color: #000000; font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>. An alternative characterization of the </font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>notes </font></FONT><FONT style="color: #000000; font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>could materially and adversely affect the tax consequences of ownership and disposition of the </font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>notes</font></FONT><FONT style="color: #000000; font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>, including the timing and character of income recognized. In addition, the U.S. Treasury Department and the IRS have requested comments on various issues regarding the U.S. federal income tax treatment of &#8220;prepaid forward contracts&#8221; and similar financial instruments and have indicated that such transactions may be the subject of future regulations or other guidance. Furthermore, members of Congress have proposed legislative changes to the tax treatment of derivative contracts. Any legislation, Treasury regulations or other guidance promulgated after consideration of these issues could materially and adversely affect the tax consequences of an investment in the </font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>notes</font></FONT><FONT style="color: #000000; font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>, possibly with retroactive effect. </font></FONT></P>
                <P style="margin-top: 4.4pt; margin-bottom: 4.4pt; text-indent: 0.77pt; padding-left: 1.59pt; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>As discussed in the accompanying product supplement, Section 871(m) of the Code and Treasury regulations promulgated thereunder (&#8220;Section 871(m)&#8221;) generally impose a 30% (or a lower applicable treaty rate) withholding tax on dividend equivalents paid or deemed paid to Non-U.S. Holders with respect to certain financial instruments linked to U.S. equities or indices that include U.S. equities (each, an &#8220;Underlying Security&#8221;). Subject to certain exceptions, Section 871(m) generally applies to securities that substantially replicate the economic performance of one or more Underlying Securities, as determined based on tests set forth in the applicable Treasury regulations (a &#8220;Specified Security&#8221;). However, pursuant to an IRS notice, Section 871(m) will not apply to securities issued before January 1, 2027 that do not have a delta of one with respect to any Underlying Security. Our determination that the notes do not have a delta of one with respect to any Underlying Security, our counsel is of the opinion that the notes should not be Specified Securities and, therefore, should not be subject to Section 871(m). </font></FONT></P>
                <P style="margin-top: 4.4pt; margin-bottom: 4.4pt; text-indent: 0.77pt; padding-left: 1.59pt; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Our determination is not binding on the IRS, and the IRS may disagree with this determination. Section 871(m) is complex and its application may depend on your particular circumstances, including whether you enter into other transactions with respect to an Underlying Security. If withholding is required, we will not be required to pay any additional amounts with respect to the amounts so withheld. You should consult your tax adviser regarding the potential application of Section 871(m) to the notes.</font></FONT></P>
                <P style="margin-bottom: 8.8pt; margin-top: 0; "><FONT style="font-weight: bold; color: #000000; font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Both U.S. and non-U.S. investors considering an investment in the notes should read the discussion under &#8220;Risk Factors&#8221; in this document </font></FONT><FONT style="font-weight: bold; font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>and the discussion under &#8220;United States Federal Taxation&#8221; in the accompanying </font></FONT><FONT style="font-weight: bold; color: #000000; font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>product supplement </font></FONT><FONT style="font-weight: bold; font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>and </font></FONT><FONT style="font-weight: bold; color: #000000; font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>consult their tax advisers regarding all aspects of the U.S. federal income tax consequences of an investment in the notes, including possible alternative treatments, and any tax consequences arising under the laws of any state, local or non-U.S. taxing jurisdiction. </font></FONT></P>
                <P style="margin-bottom: 6.6pt; margin-top: 0; "><FONT style="font-weight: bold; color: #000000; font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>The discussion in the preceding paragraphs under &#8220;Summary U.S. Federal Tax Consequences&#8221; and the discussion contained in the section entitled &#8220;United States Federal Taxation&#8221; in the accompanying product supplement, insofar as they purport to describe provisions of U.S. federal income tax laws or legal conclusions with respect thereto, constitute the full opinion of Davis Polk &amp; Wardwell LLP regarding the material U.S. federal tax consequences of an investment in the notes.</font></FONT></P>
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                            <P style="margin-top: 0; margin-bottom: 0; "><FONT style="color: #5B862B; font-size: 16.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>Autocallable Participation Notes</font><BR></FONT><FONT style="color: #5B862B; font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Linked to the S&amp;P 500</font></FONT><FONT style="color: #5B862B; vertical-align: super; font-family: Arial, sans-serif; font-size: 7pt; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="color: #5B862B; font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> Index, due November 6, 2028</font></FONT></P>
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                <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; "><FONT style="color: #5B862B; font-size: 20.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>Where You Can Find More Information</font></FONT></P>
                <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>We and Morgan Stanley have filed a registration statement (including a product supplement and a prospectus) with the SEC for the offering to which this pricing supplement relates.  You should read the Note Prospectus, including this pricing supplement, and the other documents relating to this offering that we and Morgan Stanley have filed with the SEC, for more complete information about us, Morgan Stanley and this offering.  You may get these documents without cost by visiting EDGAR on the SEC website at www.sec.gov or by calling MLPF&amp;S toll-free at 1-800-294-1322.</font></FONT></P>
                <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
                <P style="margin-top: 5.5pt; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>You may access these documents on the SEC web site at www.sec.gov as follows:</font></FONT></P>
                <P style="margin-top: 5.5pt; margin-bottom: 0; "><FONT style="font-weight: bold; font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Product Supplement for Principal-at-Risk Notes dated September 23, 2024</font></FONT></P>
                <P style="margin-top: 5.5pt; margin-bottom: 0; "><FONT style="font-weight: bold; font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Prospectus dated April 12, 2024</font></FONT></P>
                <P style="margin-top: 5.5pt; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Terms used but not defined in this document are defined in the accompanying product supplement or in the prospectus.</font></FONT></P>
                <P style="margin-top: 5.5pt; margin-bottom: 0; "><FONT style="color: #5B862B; font-size: 20.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>Validity Of The Notes </font></FONT></P>
                <P style="margin-top: 5.5pt; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>In the opinion of Davis Polk &amp; Wardwell LLP, as special counsel to MSFL and Morgan Stanley, when the notes offered by this pricing supplement have been issued by MSFL pursuant to the MSFL Senior Debt Indenture (as defined in the accompanying prospectus), the trustee and/or paying agent has made, in accordance with the instructions from MSFL, the appropriate entries or notations in its records relating to the master note that represents such notes (the &#8220;master note&#8221;), and such notes have been delivered against payment as contemplated herein, such notes will be valid and binding obligations of MSFL and the related guarantee will be a valid and binding obligation of Morgan Stanley, enforceable in accordance with their terms, subject to applicable bankruptcy, insolvency and similar laws affecting creditors&#8217; rights generally, concepts of reasonableness and equitable principles of general applicability (including, without limitation, concepts of good faith, fair dealing and the lack of bad faith), </font></FONT><FONT style="font-style: italic; font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>provided </font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>that such counsel expresses no opinion as to (i) the effect of fraudulent conveyance, fraudulent transfer or similar provision of applicable law on the conclusions expressed above and (ii) any provision of the MSFL Senior Debt Indenture that purports to avoid the effect of fraudulent conveyance, fraudulent transfer or similar provision of applicable law by limiting the amount of Morgan Stanley&#8217;s obligation under the related guarantee. This opinion is given as of the date hereof and is limited to the laws of the State of New York, the General Corporation Law of the State of Delaware and the Delaware Limited Liability Company Act. In addition, this opinion is subject to customary assumptions about the trustee&#8217;s authorization, execution and delivery of the MSFL Senior Debt Indenture and its authentication of the master note and the validity, binding nature and enforceability of the MSFL Senior Debt Indenture with respect to the trustee, all as stated in the letter of such counsel dated September 23, 2025, which was filed as an exhibit to a Current Report on Form 8-K by the Company on September 23, 2025.</font></FONT></P>
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                <P style="text-align: left; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; ">&nbsp;</FONT></P>
                <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 7.0pt; width: 535.36pt; display: inline-block; ">&nbsp;</FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 7.0pt; "></FONT></P>
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                            <P style="margin-top: 0; margin-bottom: 0; "><FONT style="color: #5B862B; font-size: 16.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>Autocallable Participation Notes</font><BR></FONT><FONT style="color: #5B862B; font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Linked to the S&amp;P 500</font></FONT><FONT style="color: #5B862B; vertical-align: super; font-family: Arial, sans-serif; font-size: 7pt; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="color: #5B862B; font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> Index, due November 6, 2028</font></FONT></P>
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                <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; "><FONT style="color: #5B862B; font-size: 20.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>Annex A&#8212;</font></FONT><FONT style="color: black; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'> </font></FONT><FONT style="color: #5B862B; font-size: 20.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>S&amp;P 500</font></FONT><FONT style="vertical-align: super; color: #5B862B; font-size: 18pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="color: #5B862B; font-size: 20.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'> Index</font></FONT></P>
                <P style="margin-bottom: 11.0pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>The S&amp;P 500</font></FONT><FONT style="font-family: Arial, sans-serif; vertical-align: super; font-size: 7pt; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> Index is calculated, maintained and published by S&amp;P</font></FONT><FONT style="font-family: Arial, sans-serif; vertical-align: super; font-size: 7pt; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> Dow Jones Indices LLC (&#8220;S&amp;P</font></FONT><FONT style="font-family: Arial, sans-serif; vertical-align: super; font-size: 7pt; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>&#8221;). S&amp;P</font></FONT><FONT style="font-family: Arial, sans-serif; vertical-align: super; font-size: 7pt; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> is a joint venture between S&amp;P</font></FONT><FONT style="font-family: Arial, sans-serif; vertical-align: super; font-size: 7pt; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> Global, Inc. (majority owner) and CME Group Inc. (minority owner), owner of CME Group Index Services LLC.</font></FONT></P>
                <P style="margin-bottom: 11.0pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>The S&amp;P 500</font></FONT><FONT style="font-family: Arial, sans-serif; vertical-align: super; font-size: 7pt; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> Index is intended to provide a benchmark for performance measurement of the large capitalization segment of the U.S. equity markets by tracking the stock price movement of 500 companies with large market capitalizations. Component stocks of the S&amp;P 500</font></FONT><FONT style="font-family: Arial, sans-serif; vertical-align: super; font-size: 7pt; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> Index are required to have a total company level market capitalization that reflects approximately the 85</font></FONT><FONT style="font-family: Arial, sans-serif; vertical-align: super; font-size: 7pt; "><font style='white-space: pre-wrap;'>th</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> percentile of the S&amp;P</font></FONT><FONT style="font-family: Arial, sans-serif; vertical-align: super; font-size: 7pt; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> Total Market Index. The S&amp;P 500</font></FONT><FONT style="font-family: Arial, sans-serif; vertical-align: super; font-size: 7pt; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> Index measures the relative performance of the common stocks of 500 companies as of a particular time as compared to the performance of the common stocks of 500 similar companies during the base period of the years 1941 through 1943.</font></FONT></P>
                <P style="margin-bottom: 11.0pt; text-indent: 19.8pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-style: italic; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Composition of the S&amp;P 500</font></FONT><FONT style="font-family: Arial, sans-serif; font-style: italic; vertical-align: super; font-size: 7pt; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Arial, sans-serif; font-style: italic; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> Index.</font></FONT></P>
                <P style="margin-bottom: 11.0pt; text-indent: 19.8pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; text-decoration-style: solid; text-decoration-line: underline; font-size: 9.0pt; "><U><font style='white-space: pre-wrap;'>Domicile</font></U></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>. Only common stocks of U.S. companies are eligible for inclusion in the S&amp;P 500</font></FONT><FONT style="font-family: Arial, sans-serif; vertical-align: super; font-size: 7pt; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> Index. For the purposes of determining eligibility for inclusion, a U.S. company has the following characteristics:</font></FONT></P>
                <P style="margin-bottom: 11.0pt; margin-top: 0; margin-left: 39.60pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; font-size: 9.0pt; ">&#9679;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>satisfies periodic reporting obligations imposed by the U.S. Securities Exchange Act by filing forms for domestic issuers;</font></FONT></FONT></P>
                <P style="margin-bottom: 11.0pt; margin-top: 0; margin-left: 39.60pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; font-size: 9.0pt; ">&#9679;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>the U.S. portion of fixed assets and revenues should constitute a plurality of the total but need not exceed 50%. When these factors are in conflict, fixed assets determine plurality. Revenue determines plurality when there is incomplete asset information. Geographic information for revenue and fixed asset allocations are determined by the company as reported in its annual filings. If this criteria is not met or is ambiguous, S&amp;P</font></FONT><FONT style="font-family: Arial, sans-serif; vertical-align: super; font-size: 7pt; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> may still deem a company to be a U.S. company for index eligibility purposes if its primary listing, headquarters and incorporation are all in the United States and/or &#8220;a domicile of convenience&#8221; (Bermuda, Channel Islands, Gibraltar, islands in the Caribbean, Isle of Man, Luxembourg, Liberia or Panama); and</font></FONT></FONT></P>
                <P style="margin-bottom: 11.0pt; margin-top: 0; margin-left: 39.60pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; font-size: 9.0pt; ">&#9679;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>the primary listing must be on an eligible U.S. exchange as described under &#8220;&#8212;Exchange Listing&#8221; below.</font></FONT></FONT></P>
                <P style="margin-bottom: 11.0pt; text-indent: 19.8pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; text-decoration-style: solid; text-decoration-line: underline; font-size: 9.0pt; "><U><font style='white-space: pre-wrap;'>Exchange Listing</font></U></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>. In order to be eligible for inclusion in the S&amp;P 500</font></FONT><FONT style="font-family: Arial, sans-serif; vertical-align: super; font-size: 7pt; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> Index, a company must have a primary listing on one of the following exchanges:</font></FONT></P>
                <P style="margin-top: 0; margin-bottom: 0; margin-left: 39.60pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; font-size: 9.0pt; ">&#9679;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>NYSE</font></FONT></FONT></P>
                <P style="margin-top: 0; margin-bottom: 0; margin-left: 39.60pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; font-size: 9.0pt; ">&#9679;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>NYSE Arca</font></FONT></FONT></P>
                <P style="margin-top: 0; margin-bottom: 0; margin-left: 39.60pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; font-size: 9.0pt; ">&#9679;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>NYSE American</font></FONT></FONT></P>
                <P style="margin-top: 0; margin-bottom: 0; margin-left: 39.60pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; font-size: 9.0pt; ">&#9679;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Nasdaq Global Select Market</font></FONT></FONT></P>
                <P style="margin-top: 0; margin-bottom: 0; margin-left: 39.60pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; font-size: 9.0pt; ">&#9679;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Nasdaq Select Market</font></FONT></FONT></P>
                <P style="margin-top: 0; margin-bottom: 0; margin-left: 39.60pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; font-size: 9.0pt; ">&#9679;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Nasdaq Capital Market</font></FONT></FONT></P>
                <P style="margin-top: 0; margin-bottom: 0; margin-left: 39.60pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; font-size: 9.0pt; ">&#9679;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Cboe BZX</font></FONT></FONT></P>
                <P style="margin-top: 0; margin-bottom: 0; margin-left: 39.60pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; font-size: 9.0pt; ">&#9679;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Cboe BYX</font></FONT></FONT></P>
                <P style="margin-top: 0; margin-bottom: 0; margin-left: 39.60pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; font-size: 9.0pt; ">&#9679;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Cboe EDGA</font></FONT></FONT></P>
                <P style="margin-bottom: 11.0pt; margin-top: 0; margin-left: 39.60pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; font-size: 9.0pt; ">&#9679;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Cboe EDGX</font></FONT></FONT></P>
                <P style="margin-bottom: 11.0pt; text-indent: 19.8pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>The OTC Bulletin Board and the Pink Sheets are both considered ineligible exchanges.</font></FONT></P>
                <P style="margin-bottom: 11.0pt; text-indent: 19.8pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; text-decoration-style: solid; text-decoration-line: underline; font-size: 9.0pt; "><U><font style='white-space: pre-wrap;'>Organizational Structure and Share Type</font></U></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>. Eligible organizational structures and share types are corporations (including equity and mortgage REITs) and common stock (i.e., shares). Ineligible organizational structures and share types include, but are not limited to, business development companies, limited partnerships, master limited partnerships, limited liability companies, closed-end funds, exchange-traded funds, exchange-traded notes, royalty trusts, SPACs, tracking stocks, preferred stock, convertible preferred stock, unit trusts, equity warrants, convertible bonds, investment trusts, rights and American depositary receipts.</font></FONT></P>
                <P style="margin-bottom: 11.0pt; text-indent: 19.8pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>As of April 17, 2023, all companies with multiple share class structures are considered eligible candidates for inclusion in the S&amp;P 500</font></FONT><FONT style="font-family: Arial, sans-serif; vertical-align: super; font-size: 7pt; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> Index.</font></FONT></P>
                <P style="margin-bottom: 11.0pt; text-indent: 19.8pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; text-decoration-style: solid; text-decoration-line: underline; font-size: 9.0pt; "><U><font style='white-space: pre-wrap;'>Market Capitalization</font></U></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>. S&amp;P</font></FONT><FONT style="font-family: Arial, sans-serif; vertical-align: super; font-size: 7pt; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> uses minimum market capitalization guidelines to determine whether a company can be a constituent of the S&amp;P 500</font></FONT><FONT style="font-family: Arial, sans-serif; vertical-align: super; font-size: 7pt; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> Index. The current minimum market capitalization guidelines are designed to capture the three-month average cumulative total company level market capitalization of the S&amp;P</font></FONT><FONT style="font-family: Arial, sans-serif; vertical-align: super; font-size: 7pt; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> Total Market Index universe at approximately the following cumulative percentiles:</font></FONT></P>
                <P style="margin-bottom: 11.0pt; text-indent: 19.8pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>&#8226;</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; width: 16.50pt; 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;'>S</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; "></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>&amp;P 500</font></FONT><FONT style="font-family: Arial, sans-serif; vertical-align: super; font-size: 7pt; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> Index: 85</font></FONT><FONT style="font-family: Arial, sans-serif; vertical-align: super; font-size: 7pt; "><font style='white-space: pre-wrap;'>th</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> percentile</font></FONT></P>
                <P style="margin-bottom: 11.0pt; text-indent: 19.8pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>&#8226;</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; width: 16.50pt; 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;'>S</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; "></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>&amp;P MidCap 400</font></FONT><FONT style="font-family: Arial, sans-serif; vertical-align: super; font-size: 7pt; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> Index: 85</font></FONT><FONT style="font-family: Arial, sans-serif; vertical-align: super; font-size: 7pt; "><font style='white-space: pre-wrap;'>th</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> &#8211; 93</font></FONT><FONT style="font-family: Arial, sans-serif; vertical-align: super; font-size: 7pt; "><font style='white-space: pre-wrap;'>rd</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> percentile</font></FONT></P>
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                            <P style="text-align: left; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; color: #5B862B; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Autocallable Participation Notes</font></FONT></P>
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                <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 7.0pt; width: 535.36pt; display: inline-block; ">&nbsp;</FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 7.0pt; "></FONT></P>
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                            <P style="margin-top: 0; margin-bottom: 0; "><FONT style="color: #5B862B; font-size: 16.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>Autocallable Participation Notes</font><BR></FONT><FONT style="color: #5B862B; font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Linked to the S&amp;P 500</font></FONT><FONT style="color: #5B862B; vertical-align: super; font-family: Arial, sans-serif; font-size: 7pt; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="color: #5B862B; font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> Index, due November 6, 2028</font></FONT></P>
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                <P style="margin-bottom: 11.0pt; text-indent: 19.8pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>&#8226;</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; width: 16.50pt; 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;'>S</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; "></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>&amp;P SmallCap 600</font></FONT><FONT style="font-family: Arial, sans-serif; vertical-align: super; font-size: 7pt; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> Index: 93</font></FONT><FONT style="font-family: Arial, sans-serif; vertical-align: super; font-size: 7pt; "><font style='white-space: pre-wrap;'>rd</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> &#8211; 99</font></FONT><FONT style="font-family: Arial, sans-serif; vertical-align: super; font-size: 7pt; "><font style='white-space: pre-wrap;'>th</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> percentile</font></FONT></P>
                <P style="margin-bottom: 11.0pt; text-indent: 19.8pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>The ranges above are reviewed at the beginning of each calendar quarter and updated as necessary to reflect current market conditions. Companies that pass the total company level market capitalization criteria must also have a security level float-adjusted market capitalization that is at least 50% of the S&amp;P 500</font></FONT><FONT style="font-family: Arial, sans-serif; vertical-align: super; font-size: 7pt; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> Index&#8217;s total company level minimum market capitalization threshold.</font></FONT></P>
                <P style="margin-bottom: 11.0pt; text-indent: 19.8pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; text-decoration-style: solid; text-decoration-line: underline; font-size: 9.0pt; "><U><font style='white-space: pre-wrap;'>Liquidity</font></U></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>. S&amp;P</font></FONT><FONT style="font-family: Arial, sans-serif; vertical-align: super; font-size: 7pt; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> uses a float-adjusted liquidity ratio (an &#8220;FALR&#8221;) to measure liquidity. A company&#8217;s FALR can be defined as the annual dollar value traded divided by the float-adjusted market capitalization. Using composite pricing and consolidated volume (excluding dark pools), annual dollar value traded is defined as the average closing price multiplied by the historical volume over the 365 calendar days prior to the evaluation date. This is reduced to the available trading period for initial public offerings (&#8220;IPOs&#8221;), spin-offs or public companies considered to be U.S. domiciled for index purposes by S&amp;P</font></FONT><FONT style="font-family: Arial, sans-serif; vertical-align: super; font-size: 7pt; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> (see &#8220;&#8212;</font></FONT><FONT style="font-family: Arial, sans-serif; text-decoration-style: solid; text-decoration-line: underline; font-size: 9.0pt; "><U><font style='white-space: pre-wrap;'>Domicile</font></U></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>&#8221; above) that do not have 365 calendar days of trading history on a U.S. exchange. In such cases, the dollar value traded available as of the evaluation date is annualized. The price, shares outstanding and investable weight factor (&#8220;IWF&#8221;) as of the evaluation date are used to calculate the float-adjusted market capitalization. The evaluation date is the open of trading on the day prior to the announcement date. The relevant stock must trade at least 250,000 shares in each of the six months leading up to the evaluation date, and the FALR must be greater than or equal to 0.75 at the time of addition to the S&amp;P 500</font></FONT><FONT style="font-family: Arial, sans-serif; vertical-align: super; font-size: 7pt; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> Index. Current constituents of the S&amp;P 500</font></FONT><FONT style="font-family: Arial, sans-serif; vertical-align: super; font-size: 7pt; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> Index are not subject to a minimum requirement.</font></FONT></P>
                <P style="margin-bottom: 11.0pt; text-indent: 19.8pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; text-decoration-style: solid; text-decoration-line: underline; font-size: 9.0pt; "><U><font style='white-space: pre-wrap;'>Financial Viability</font></U></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>. The sum of the most recent four consecutive quarters&#8217; Generally Accepted Accounting Principles (&#8220;GAAP&#8221;) earnings (net income excluding discontinued operations) should be positive, as should also be the case for the most recent quarter. For equity REITs, financial viability is based on GAAP earnings and/or funds from operations, if reported.</font></FONT></P>
                <P style="margin-bottom: 11.0pt; text-indent: 19.8pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; text-decoration-style: solid; text-decoration-line: underline; font-size: 9.0pt; "><U><font style='white-space: pre-wrap;'>Treatment of IPOs</font></U></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>. IPOs should be traded on an eligible exchange for at least 12 months before being considered for addition to the S&amp;P 500</font></FONT><FONT style="font-family: Arial, sans-serif; vertical-align: super; font-size: 7pt; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> Index. For former SPACs, S&amp;P</font></FONT><FONT style="font-family: Arial, sans-serif; vertical-align: super; font-size: 7pt; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> considers the de-SPAC transaction to be an event equivalent to an IPO, and 12 months of trading post the de-SPAC event are required before a former SPAC can be considered eligible for inclusion in the S&amp;P 500</font></FONT><FONT style="font-family: Arial, sans-serif; vertical-align: super; font-size: 7pt; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> Index. Spin-offs or in-specie distributions from existing constituents are not required to have 12 months of prior trading in order to be included in the S&amp;P 500</font></FONT><FONT style="font-family: Arial, sans-serif; vertical-align: super; font-size: 7pt; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> Index.</font></FONT></P>
                <P style="margin-bottom: 11.0pt; text-indent: 19.8pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; text-decoration-style: solid; text-decoration-line: underline; font-size: 9.0pt; "><U><font style='white-space: pre-wrap;'>Deletions</font></U></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>. A company will be deleted from the S&amp;P 500</font></FONT><FONT style="font-family: Arial, sans-serif; vertical-align: super; font-size: 7pt; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> Index if it is involved in a merger, acquisition or significant restructuring such that it no longer meets the eligibility criteria. A company that is delisted as a result of a merger, acquisition or other corporate action will be removed at the time of announcement by S&amp;P</font></FONT><FONT style="font-family: Arial, sans-serif; vertical-align: super; font-size: 7pt; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>, typically at the close of the last day of trading or expiration of a tender offer. If a stock is moved to the pink sheets or the bulletin board, the stock will be removed from the S&amp;P 500</font></FONT><FONT style="font-family: Arial, sans-serif; vertical-align: super; font-size: 7pt; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> Index. A company that substantially violates one or more of the eligibility criteria for the S&amp;P 500</font></FONT><FONT style="font-family: Arial, sans-serif; vertical-align: super; font-size: 7pt; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> Index may be deleted from the S&amp;P 500</font></FONT><FONT style="font-family: Arial, sans-serif; vertical-align: super; font-size: 7pt; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> Index at the discretion of S&amp;P</font></FONT><FONT style="font-family: Arial, sans-serif; vertical-align: super; font-size: 7pt; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>. Any company that is removed from the S&amp;P 500</font></FONT><FONT style="font-family: Arial, sans-serif; vertical-align: super; font-size: 7pt; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> Index must wait at least one year from its removal date before being screened for subsequent addition to the S&amp;P 500</font></FONT><FONT style="font-family: Arial, sans-serif; vertical-align: super; font-size: 7pt; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> Index.</font></FONT></P>
                <P style="margin-bottom: 11.0pt; text-indent: 19.8pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Companies that migrate from an ineligible exchange, emerge from bankruptcy, are newly designated to be U.S. domiciled for index purposes by S&amp;P</font></FONT><FONT style="font-family: Arial, sans-serif; vertical-align: super; font-size: 7pt; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> (see &#8220;&#8212;</font></FONT><FONT style="font-family: Arial, sans-serif; text-decoration-style: solid; text-decoration-line: underline; font-size: 9.0pt; "><U><font style='white-space: pre-wrap;'>Domicile</font></U></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>&#8221; above) or convert from an ineligible share or organizational type to an eligible type do not need to trade on an eligible U.S. exchange for 12 months before being considered for addition to the S&amp;P 500</font></FONT><FONT style="font-family: Arial, sans-serif; vertical-align: super; font-size: 7pt; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> Index. </font></FONT></P>
                <P style="margin-bottom: 11.0pt; text-indent: 19.8pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-style: italic; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Calculation of the S&amp;P 500</font></FONT><FONT style="font-family: Arial, sans-serif; font-style: italic; vertical-align: super; font-size: 7pt; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Arial, sans-serif; font-style: italic; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> Index.</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> The S&amp;P 500</font></FONT><FONT style="font-family: Arial, sans-serif; vertical-align: super; font-size: 7pt; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> Index is a float-adjusted market capitalization-weighted index. The daily calculation of the S&amp;P 500</font></FONT><FONT style="font-family: Arial, sans-serif; vertical-align: super; font-size: 7pt; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> Index is computed by dividing the total float-adjusted market capitalization of the S&amp;P 500</font></FONT><FONT style="font-family: Arial, sans-serif; vertical-align: super; font-size: 7pt; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> Index&#8217;s component stocks by the S&amp;P 500</font></FONT><FONT style="font-family: Arial, sans-serif; vertical-align: super; font-size: 7pt; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> Index&#8217;s Divisor. The total float-adjusted market capitalization of the S&amp;P 500</font></FONT><FONT style="font-family: Arial, sans-serif; vertical-align: super; font-size: 7pt; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> Index&#8217;s component stocks is the sum of (i) the price of each component stock multiplied by (ii) the number of shares used in the index calculation.</font></FONT></P>
                <P style="margin-bottom: 11.0pt; text-indent: 19.8pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; text-decoration-style: solid; text-decoration-line: underline; font-size: 9.0pt; "><U><font style='white-space: pre-wrap;'>Float Adjustment</font></U></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>. The S&amp;P 500</font></FONT><FONT style="font-family: Arial, sans-serif; vertical-align: super; font-size: 7pt; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> Index is float-adjusted. Under float adjustment, the share counts use in the calculation of an index reflect only those shares available to investors rather than a company&#8217;s total outstanding shares. Float adjustment excludes shares that are held by publicly-traded companies, government entities at all levels (other than government retirement/pension funds) and long-term strategic shareholders. Generally, these long-term strategic shareholders, or &#8220;control holders,&#8221; include:</font></FONT></P>
                <P style="margin-bottom: 11.0pt; margin-top: 0; margin-left: 39.60pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; font-size: 9.0pt; ">&#9679;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>officers and directors and related individuals whose holdings are publicly disclosed;</font></FONT></FONT></P>
                <P style="margin-bottom: 11.0pt; margin-top: 0; margin-left: 39.60pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; font-size: 9.0pt; ">&#9679;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>private equity, venture capital and special equity firms;</font></FONT></FONT></P>
                <P style="margin-bottom: 11.0pt; margin-top: 0; margin-left: 39.60pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; font-size: 9.0pt; ">&#9679;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>asset managers and insurance companies with direct board of director representation;</font></FONT></FONT></P>
                <P style="margin-bottom: 11.0pt; margin-top: 0; margin-left: 39.60pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; font-size: 9.0pt; ">&#9679;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>company-sponsored employee share plans/trusts, defined contribution plans/savings and investment plans;</font></FONT></FONT></P>
                <P style="margin-bottom: 11.0pt; margin-top: 0; margin-left: 39.60pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; font-size: 9.0pt; ">&#9679;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>foundations or family trusts associated with the company;</font></FONT></FONT></P>
                <P style="margin-bottom: 11.0pt; margin-top: 0; margin-left: 39.60pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; font-size: 9.0pt; ">&#9679;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>sovereign wealth funds; and</font></FONT></FONT></P>
                <P style="margin-bottom: 11.0pt; margin-top: 0; margin-left: 39.60pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; font-size: 9.0pt; ">&#9679;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>any individual person listed as a 5% or greater stakeholder in a company as reported in regulatory filings.</font></FONT></FONT></P>
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                            <P style="text-align: left; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; color: #5B862B; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Autocallable Participation Notes</font></FONT></P>
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                <P style="text-align: left; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; ">&nbsp;</FONT></P>
                <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 7.0pt; width: 535.36pt; display: inline-block; ">&nbsp;</FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 7.0pt; "></FONT></P>
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                            <P style="margin-top: 0; margin-bottom: 0; "><FONT style="color: #5B862B; font-size: 16.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>Autocallable Participation Notes</font><BR></FONT><FONT style="color: #5B862B; font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Linked to the S&amp;P 500</font></FONT><FONT style="color: #5B862B; vertical-align: super; font-family: Arial, sans-serif; font-size: 7pt; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="color: #5B862B; font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> Index, due November 6, 2028</font></FONT></P>
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                <P style="margin-bottom: 11.0pt; text-indent: 19.8pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Restricted shares are generally not included in TSO except for shares held as part of a lock-up agreement. Holdings by &#8220;block owners,&#8221; such as depositary banks, pension funds (including government pension and retirement funds), mutual funds, ETF providers, investment funds and asset managers that do not have direct board of director representation, investment funds of insurance companies and independent foundations not associated with the company are ordinarily considered to be part of public float. Shares that are not considered outstanding, such as treasury stock, stock options, equity participation units, warrants, preferred stock, convertible stock and rights, are generally not part of public float.</font></FONT></P>
                <P style="margin-bottom: 11.0pt; text-indent: 19.8pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>For each component stock of the S&amp;P 500</font></FONT><FONT style="font-family: Arial, sans-serif; vertical-align: super; font-size: 7pt; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> Index, an IWF is calculated by dividing the available float shares by the total shares outstanding.  Available float shares are defined as total shares outstanding less shares held by control holders.  An IWF of at least 0.10 is required for S&amp;P 500</font></FONT><FONT style="font-family: Arial, sans-serif; vertical-align: super; font-size: 7pt; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> Index constituents. </font></FONT></P>
                <P style="margin-bottom: 11.0pt; text-indent: 19.8pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; text-decoration-style: solid; text-decoration-line: underline; font-size: 9.0pt; "><U><font style='white-space: pre-wrap;'>Divisor</font></U></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>. By itself, the Divisor for the S&amp;P 500</font></FONT><FONT style="font-family: Arial, sans-serif; vertical-align: super; font-size: 7pt; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> Index is an arbitrary number.  However, in the context of the calculation of the S&amp;P 500</font></FONT><FONT style="font-family: Arial, sans-serif; vertical-align: super; font-size: 7pt; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> Index, the Divisor is the only link to the original base period value of the S&amp;P 500</font></FONT><FONT style="font-family: Arial, sans-serif; vertical-align: super; font-size: 7pt; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> Index.  The Divisor keeps the S&amp;P 500</font></FONT><FONT style="font-family: Arial, sans-serif; vertical-align: super; font-size: 7pt; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> Index comparable over time and is the manipulation point for all adjustments to the S&amp;P 500</font></FONT><FONT style="font-family: Arial, sans-serif; vertical-align: super; font-size: 7pt; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> Index.</font></FONT></P>
                <P style="margin-bottom: 11.0pt; text-indent: 19.8pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-style: italic; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Maintenance of the S&amp;P 500</font></FONT><FONT style="font-family: Arial, sans-serif; font-style: italic; vertical-align: super; font-size: 7pt; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Arial, sans-serif; font-style: italic; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> Index</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>. Changes to the composition of the S&amp;P 500</font></FONT><FONT style="font-family: Arial, sans-serif; vertical-align: super; font-size: 7pt; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> Index are made on an ad-hoc basis. There is no scheduled reconstitution. Instead, changes in response to corporate actions and market developments can be made at any time. Additions and deletions to the S&amp;P 500</font></FONT><FONT style="font-family: Arial, sans-serif; vertical-align: super; font-size: 7pt; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> Index will be announced with at least three business days advance notice. Less than three business days&#8217; notice may be given at the discretion of the S&amp;P</font></FONT><FONT style="font-family: Arial, sans-serif; vertical-align: super; font-size: 7pt; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> Dow Jones&#8217;s index committee (the &#8220;Index Committee&#8221;). </font></FONT></P>
                <P style="margin-bottom: 11.0pt; text-indent: 19.8pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; text-decoration-style: solid; text-decoration-line: underline; font-size: 9.0pt; "><U><font style='white-space: pre-wrap;'>Quarterly Update</font></U></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>. Share counts are updated to the latest publicly available filings on a quarterly basis. IWF changes are only made at the quarterly review if such change represents at least 5% of total current shares outstanding and is related to a single corporate action that did not qualify for the accelerated implementation rule, regardless of whether there is an associated share change.</font></FONT></P>
                <P style="margin-bottom: 11.0pt; text-indent: 19.8pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; text-decoration-style: solid; text-decoration-line: underline; font-size: 9.0pt; "><U><font style='white-space: pre-wrap;'>Share/IWF Reference Date and Freeze Period</font></U></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>. A reference date, after the market close five weeks prior to the third Friday in March, June, September and December, is the cutoff for publicly available information used for quarterly shares outstanding and IWF changes. All shares outstanding and ownership information contained in public filings and/or official sources dated on or before the reference date are included in that quarter&#8217;s update. In addition, there is a freeze period that occurs each quarter to account for any changes that result from the accelerated implementation rule. The freeze period begins after market close on the Tuesday prior to the second Friday of each rebalancing month (i.e., March, June, September and December) and ends after market close on the third Friday of the rebalancing month. </font></FONT></P>
                <P style="margin-bottom: 11.0pt; text-indent: 19.8pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Pro-forma files for float-adjusted market capitalization indices are generally released after market close on the first Friday of each rebalancing month, two weeks prior to the rebalancing effective date. For example, if rebalancing pro-forma files are scheduled to be released on Friday, March 5, the associated share/IWF freeze period will begin after the close of trading on Tuesday, March 9, and will end after the close of trading the following Friday, March 19 (i.e., the third Friday of the rebalancing month).</font></FONT></P>
                <P style="margin-bottom: 11.0pt; text-indent: 19.8pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>During the share/IWF freeze period, shares and IWFs are not changed and the accelerated implementation rule is suspended, except for mandatory corporate action events such as merger activity, stock splits and rights offerings. The suspension includes all changes that qualify for accelerated implementation and would typically be announced or effective during the share/IWF freeze period. At the end of the freeze period, all suspended changes will be announced on the third Friday of the rebalancing month and implemented five business days after the quarterly rebalancing effective date.</font></FONT></P>
                <P style="margin-bottom: 11.0pt; text-indent: 19.8pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; text-decoration-style: solid; text-decoration-line: underline; font-size: 9.0pt; "><U><font style='white-space: pre-wrap;'>Other Adjustments</font></U></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>. In cases where there is no achievable market price for a stock being deleted, it can be removed at a zero or minimal price at the Index Committee&#8217;s discretion.</font></FONT></P>
                <P style="margin-bottom: 11.0pt; text-indent: 19.8pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>The table below summarizes different types of S&amp;P 500</font></FONT><FONT style="font-family: Arial, sans-serif; vertical-align: super; font-size: 7pt; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> Index maintenance adjustments and indicates whether or not a corporate action would require an index divisor adjustment:</font></FONT></P>
                <P style="margin-bottom: 11.0pt; text-indent: 19.8pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
                <TABLE width="429.00pt" style="margin-left: auto; width: 429.00pt; table-layout: fixed; border-collapse: collapse; margin-right: auto; ">
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                        <TD width="126.72pt" style="width: 126.72pt; border: 0; margin: 0; padding: 0; height: 0; ">
                        </TD>
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                        </TD>
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                            <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Type of Corporate Action</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; vertical-align: bottom; ">
                            <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Comment</font></FONT></P>
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                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; vertical-align: bottom; ">
                            <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Divisor Adjustment Required?</font></FONT></P>
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                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; ">
                            <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Company Addition/Deletion</font></FONT></P>
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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: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; text-decoration-style: solid; text-decoration-line: underline; font-size: 9.0pt; "><U><font style='white-space: pre-wrap;'>Addition</font></U></FONT></P>
                            <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Companies are added at the capped float market capitalization weight.</font></FONT></P>
                            <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; text-decoration-style: solid; text-decoration-line: underline; font-size: 9.0pt; "><U><font style='white-space: pre-wrap;'>Deletion</font></U></FONT></P>
                            <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>The weights of all stocks in the S&amp;P 500</font></FONT><FONT style="font-family: Arial, sans-serif; vertical-align: super; font-size: 7pt; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> Index proportionally change, but relative weights of the stocks stay the same.</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; ">
                            <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Yes</font></FONT></P>
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                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; ">
                            <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Change in Shares Outstanding</font></FONT></P>
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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: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Increasing (decreasing) the shares outstanding increases (decreases) the market capitalization of the S&amp;P 500</font></FONT><FONT style="font-family: Arial, sans-serif; vertical-align: super; font-size: 7pt; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> Index.</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; ">
                            <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Yes</font></FONT></P>
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            <DIV style="width: 595.21pt; padding: 0 39.00pt 23.43pt 39.00pt; min-height: 23.38pt; position: relative; ">
                <TABLE width="607.09pt" style="margin-left: -5.94pt; width: 607.09pt; table-layout: fixed; border-collapse: collapse; ">
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                            <P style="text-align: left; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; color: #5B862B; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Autocallable Participation Notes</font></FONT></P>
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                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-top:  0.50pt solid #008000; ">
                            <P style="text-align: right; margin-top: 0; margin-bottom: 0; "><FONT style="color: #5B862B; font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>TS-</font><FONT>18</FONT></FONT></P>
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                <P style="text-align: left; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; ">&nbsp;</FONT></P>
                <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 7.0pt; width: 535.36pt; display: inline-block; ">&nbsp;</FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 7.0pt; "></FONT></P>
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            <P></P>
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            <DIV style="width: 595.21pt; padding: 31.19pt 39.00pt 0 39.00pt; min-height: 48.02pt; position: relative; ">
                <TABLE width="100.00%" style="margin-left: -5.94pt; width: 100.00%; table-layout: fixed; border-collapse: collapse; ">
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                    <TR style="vertical-align: top; min-height: 23.32pt; ">
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-bottom:  4.50pt solid #5B862B; ">
                            <P style="margin-top: 0; margin-bottom: 0; "><FONT style="color: #5B862B; font-size: 16.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>Autocallable Participation Notes</font><BR></FONT><FONT style="color: #5B862B; font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Linked to the S&amp;P 500</font></FONT><FONT style="color: #5B862B; vertical-align: super; font-family: Arial, sans-serif; font-size: 7pt; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="color: #5B862B; font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> Index, due November 6, 2028</font></FONT></P>
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                            <P style="text-align: right; margin-top: 0; margin-bottom: 0; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; ">&nbsp;</FONT></P>
                            <P style="text-align: right; margin-top: 0; margin-bottom: 0; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; ">&nbsp;</FONT></P>
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                <P style="text-align: left; margin-top: 0; margin-bottom: 0; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; ">&nbsp;</FONT></P>
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            <DIV style="width: 595.21pt; padding: 10pt 39.00pt 10pt 39.00pt; position: relative; margin-bottom: 20pt; ">
                <TABLE width="429.00pt" style="margin-left: auto; width: 429.00pt; table-layout: fixed; border-collapse: collapse; margin-right: auto; ">
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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: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Stock Split/Reverse Split</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; ">
                            <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Shares outstanding and stock price are both adjusted by split ratio.</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; ">
                            <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>No</font></FONT></P>
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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: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Spin-off</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; ">
                            <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Generally, if a spun-off company is ineligible for inclusion in the S&amp;P 500</font></FONT><FONT style="font-family: Arial, sans-serif; vertical-align: super; font-size: 7pt; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> Index, it is removed after the ex-date. The weight of the spun-off unit is reinvested across all of the remaining index components proportionally such that the relative weights of all index components are unchanged.</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; ">
                            <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Yes</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; ">
                            <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Spin-off</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; ">
                            <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>However, if a spun-off company is added to the S&amp;P 500</font></FONT><FONT style="font-family: Arial, sans-serif; vertical-align: super; font-size: 7pt; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> Index, it is added on the ex-date at a price of zero and remains in the S&amp;P 500</font></FONT><FONT style="font-family: Arial, sans-serif; vertical-align: super; font-size: 7pt; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> Index for at least one trading day.</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; ">
                            <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>No</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; ">
                            <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Change in IWF</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; ">
                            <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Increasing (decreasing) the IWF increases (decreases) the market capitalization of the S&amp;P 500</font></FONT><FONT style="font-family: Arial, sans-serif; vertical-align: super; font-size: 7pt; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> Index.</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; ">
                            <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Yes</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; ">
                            <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Ordinary Dividends</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; ">
                            <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>The S&amp;P 500</font></FONT><FONT style="font-family: Arial, sans-serif; vertical-align: super; font-size: 7pt; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> Index does not make any adjustments to the price or shares of the stock of the company that pays the ordinary dividend. Ordinary dividends are reinvested across the S&amp;P 500</font></FONT><FONT style="font-family: Arial, sans-serif; vertical-align: super; font-size: 7pt; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> Index and accounted for in the Total Return index calculation.</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; ">
                            <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>No</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; ">
                            <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Special Dividends</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; ">
                            <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>The stock price is adjusted by the amount of the special dividend.</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; ">
                            <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Yes</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; ">
                            <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Rights Offering</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; ">
                            <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>All rights offerings that are in the money on the ex-date are applied under the assumption the rights are fully subscribed. The stock price is adjusted by the value of the rights and the shares outstanding are increased by the rights ratio.</font></FONT></P>
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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: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Yes</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>
                <P style="margin-bottom: 11.0pt; text-indent: 19.8pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-style: italic; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Governance of the S&amp;P 500</font></FONT><FONT style="font-family: Arial, sans-serif; font-style: italic; vertical-align: super; font-size: 7pt; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Arial, sans-serif; font-style: italic; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> Index</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>. The S&amp;P 500</font></FONT><FONT style="font-family: Arial, sans-serif; vertical-align: super; font-size: 7pt; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> Index is maintained by an Index Committee that meets on a monthly basis. All committee members are full-time professional members of S&amp;P</font></FONT><FONT style="font-family: Arial, sans-serif; vertical-align: super; font-size: 7pt; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> Dow Jones Indices&#8217; staff. At each meeting, the Index Committee reviews pending corporate actions that may affect constituents of the S&amp;P 500</font></FONT><FONT style="font-family: Arial, sans-serif; vertical-align: super; font-size: 7pt; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> Index, statistics comparing the composition of the S&amp;P 500</font></FONT><FONT style="font-family: Arial, sans-serif; vertical-align: super; font-size: 7pt; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> Index to the market, candidates for addition to the S&amp;P 500</font></FONT><FONT style="font-family: Arial, sans-serif; vertical-align: super; font-size: 7pt; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> Index and any significant market events. The Index Committee reserves the right to make exceptions when applying the methodology if the need arises. The Index Committee may, from time to time, in its sole discretion, add companies to, or delete companies from, the S&amp;P 500</font></FONT><FONT style="font-family: Arial, sans-serif; vertical-align: super; font-size: 7pt; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> Index in order to achieve its stated objectives.</font></FONT></P>
                <P style="margin-bottom: 11.0pt; text-indent: 19.8pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>The notes are not sponsored, endorsed, sold or promoted by S&amp;P</font></FONT><FONT style="font-family: Arial, sans-serif; vertical-align: super; font-size: 7pt; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>.  S&amp;P</font></FONT><FONT style="font-family: Arial, sans-serif; vertical-align: super; font-size: 7pt; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> makes no representation or warranty, express or implied, to the owners of the notes or any member of the public regarding the advisability of investing in notes generally or in the notes particularly or the ability of the S&amp;P 500</font></FONT><FONT style="font-family: Arial, sans-serif; vertical-align: super; font-size: 7pt; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> Index to track general stock market performance.  The S&amp;P 500</font></FONT><FONT style="font-family: Arial, sans-serif; vertical-align: super; font-size: 7pt; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> Index is determined, composed and calculated by S&amp;P</font></FONT><FONT style="font-family: Arial, sans-serif; vertical-align: super; font-size: 7pt; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> without regard to us or the notes.  S&amp;P</font></FONT><FONT style="font-family: Arial, sans-serif; vertical-align: super; font-size: 7pt; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> has no obligation to take our needs or the needs of the owners of the notes into consideration in determining, composing or calculating the S&amp;P 500</font></FONT><FONT style="font-family: Arial, sans-serif; vertical-align: super; font-size: 7pt; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> Index.  S&amp;P</font></FONT><FONT style="font-family: Arial, sans-serif; vertical-align: super; font-size: 7pt; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> is not responsible for and has not participated in the determination of the timing of, prices at, or quantities of the notes to be issued or in the determination or calculation of the equation by which the notes are to be converted into cash.  S&amp;P</font></FONT><FONT style="font-family: Arial, sans-serif; vertical-align: super; font-size: 7pt; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> has no obligation or liability in connection with the administration, marketing or trading of the notes.</font></FONT></P>
                <P style="margin-bottom: 11.0pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>S&amp;P</font></FONT><FONT style="font-family: Arial, sans-serif; color: #000000; vertical-align: super; font-size: 7pt; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> DOES NOT GUARANTEE THE ACCURACY AND/OR THE COMPLETENESS OF THE S&amp;P 500</font></FONT><FONT style="font-family: Arial, sans-serif; color: #000000; vertical-align: super; font-size: 7pt; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> INDEX OR ANY DATA INCLUDED THEREIN.  S&amp;P</font></FONT><FONT style="font-family: Arial, sans-serif; color: #000000; vertical-align: super; font-size: 7pt; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> MAKES NO WARRANTY, EXPRESS OR IMPLIED, AS TO RESULTS TO BE OBTAINED BY MORGAN STANLEY, OWNERS OF THE NOTES, OR ANY OTHER PERSON OR ENTITY FROM THE USE OF THE S&amp;P 500</font></FONT><FONT style="font-family: Arial, sans-serif; color: #000000; vertical-align: super; font-size: 7pt; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> INDEX OR ANY DATA INCLUDED THEREIN.  S&amp;P</font></FONT><FONT style="font-family: Arial, sans-serif; color: #000000; vertical-align: super; font-size: 7pt; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> MAKES NO EXPRESS OR IMPLIED WARRANTIES, AND HEREBY EXPRESSLY DISCLAIMS ALL WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE OR USE WITH RESPECT TO THE S&amp;P 500</font></FONT><FONT style="font-family: Arial, sans-serif; color: #000000; vertical-align: super; font-size: 7pt; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> INDEX OR ANY DATA INCLUDED THEREIN.  WITHOUT LIMITING ANY OF THE FOREGOING, IN NO EVENT SHALL S&amp;P</font></FONT><FONT style="font-family: Arial, sans-serif; color: #000000; vertical-align: super; font-size: 7pt; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> HAVE ANY LIABILITY FOR ANY SPECIAL, PUNITIVE, INDIRECT OR CONSEQUENTIAL DAMAGES (INCLUDING LOST PROFITS), EVEN IF NOTIFIED OF THE POSSIBILITY OF SUCH DAMAGES.</font></FONT></P>
                <P style="margin-top: 4.4pt; margin-bottom: 13.2pt; "><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>&#8220;Standard &amp; Poor&#8217;s</font></FONT><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 7pt; vertical-align: super; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>,&#8221; &#8220;S&amp;P</font></FONT><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 7pt; vertical-align: super; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>,&#8221; &#8220;S&amp;P 500</font></FONT><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 7pt; vertical-align: super; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>,&#8221; &#8220;Standard &amp; Poor&#8217;s 500&#8221; and &#8220;500&#8221; are trademarks of Standard and Poor&#8217;s Financial Services LLC.</font></FONT></P>
                <P style="margin-top: 5.5pt; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
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<p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: right">&#160;</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right"><b><span id="xdx_904_effd--FeeExhibitTp_c20251103__20251103_zbDlxWYNU3k4"><ix:nonNumeric contextRef="AsOf2025-11-03" id="Fact000009" name="ffd:FeeExhibitTp">EX-FILING FEES</ix:nonNumeric></span></b></p>

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

<p style="font: 11pt Arial, Helvetica, Sans-Serif; text-align: center; margin-top: 6pt; margin-bottom: 6pt"><span id="xdx_906_effd--FormTp_c20251103__20251103_zijdqeRjspn7" style="font-family: Times New Roman, Times, Serif; font-size: 12pt"><b><ix:nonNumeric contextRef="AsOf2025-11-03" id="Fact000010" name="ffd:FormTp">S-3</ix:nonNumeric></b></span></p>

<p style="font: 12pt/14pt Times New Roman, Times, Serif; margin: 0 0 0pt; text-align: center"><b><span id="xdx_90C_edei--EntityRegistrantName_c20251103__20251103_zMmcIPqgGGRa"><ix:nonNumeric contextRef="AsOf2025-11-03" id="Fact000011" name="dei:EntityRegistrantName">MORGAN STANLEY</ix:nonNumeric></span></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">Submission
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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">SEC
File No. <span id="xdx_902_effd--RegnFileNb_c20251103__20251103_zkEWdkLaB3p8" style="visibility: hidden"><ix:nonNumeric contextRef="AsOf2025-11-03" id="Fact000013" name="ffd:RegnFileNb">333-275587</ix:nonNumeric></span></span></p>

<p style="font: 12pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; visibility: hidden; text-indent: 0in"><span style="visibility: hidden; font-family: Times New Roman, Times, Serif; font-size: 10pt">Final
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<p style="font: 9pt Arial, Helvetica, Sans-Serif; text-align: center; margin-top: 15pt; margin-bottom: 0pt"><span style="font: bold 12pt Times New Roman, Times, Serif">Narrative Disclosure</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">The
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prospectus is a final prospectus for the related offering.</ix:nonNumeric></span></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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<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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<span style="display: none;">v3.25.3</span><table class="report" border="0" cellspacing="2" id="id2">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Submission<br></strong></div></th>
<th class="th"><div>Nov. 03, 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">0000895421<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">MORGAN STANLEY<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">333-275587<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">S-3<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ffd_SubmissnTp', window );">Submission Type</a></td>
<td class="text">424B2<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ffd_FeeExhibitTp', window );">Fee Exhibit Type</a></td>
<td class="text">EX-FILING FEES<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ffd_OfferingTableNa', window );">Offering Table N/A</a></td>
<td class="text">N/A<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ffd_OffsetTableNa', window );">Offset Table N/A</a></td>
<td class="text">N/A<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ffd_CombinedProspectusTableNa', window );">Combined Prospectus Table N/A</a></td>
<td class="text">N/A<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityCentralIndexKey">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>A unique 10-digit SEC-issued value to identify entities that have filed disclosures with the SEC. It is commonly abbreviated as CIK.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 12<br> -Subsection b-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityCentralIndexKey</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:centralIndexKeyItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityRegistrantName">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The exact name of the entity filing the report as specified in its charter, which is required by forms filed with the SEC.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 12<br> -Subsection b-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityRegistrantName</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ffd_CombinedProspectusTableNa">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ffd_CombinedProspectusTableNa</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ffd_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>ffd:naItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ffd_FeeExhibitTp">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ffd_FeeExhibitTp</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ffd_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>ffd:feeExhibitTypeItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ffd_FormTp">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ffd_FormTp</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ffd_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>ffd:submissionTypeItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ffd_OfferingTableNa">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ffd_OfferingTableNa</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ffd_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>ffd:naItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ffd_OffsetTableNa">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ffd_OffsetTableNa</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ffd_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>ffd:naItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ffd_RegnFileNb">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
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end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>24
<FILENAME>ex-filingfees_htm.xml
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<XML>
<?xml version="1.0" encoding="utf-8"?>
<xbrl
  xmlns="http://www.xbrl.org/2003/instance"
  xmlns:dei="http://xbrl.sec.gov/dei/2025"
  xmlns:ffd="http://xbrl.sec.gov/ffd/2025"
  xmlns:iso4217="http://www.xbrl.org/2003/iso4217"
  xmlns:link="http://www.xbrl.org/2003/linkbase"
  xmlns:xlink="http://www.w3.org/1999/xlink">
    <link:schemaRef
      xlink:href="https://xbrl.sec.gov/ffd/2025/ffd-2025.xsd"
      xlink:type="simple"/>
    <context id="AsOf2025-11-03">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000895421</identifier>
        </entity>
        <period>
            <startDate>2025-11-03</startDate>
            <endDate>2025-11-03</endDate>
        </period>
    </context>
    <unit id="USD">
        <measure>iso4217:USD</measure>
    </unit>
    <unit id="Shares">
        <measure>shares</measure>
    </unit>
    <unit id="USDPShares">
        <divide>
            <unitNumerator>
                <measure>iso4217:USD</measure>
            </unitNumerator>
            <unitDenominator>
                <measure>shares</measure>
            </unitDenominator>
        </divide>
    </unit>
    <unit id="Ratio">
        <measure>pure</measure>
    </unit>
    <dei:EntityCentralIndexKey contextRef="AsOf2025-11-03" id="Fact000003">0000895421</dei:EntityCentralIndexKey>
    <ffd:FeeExhibitTp contextRef="AsOf2025-11-03" id="Fact000009">EX-FILING FEES</ffd:FeeExhibitTp>
    <ffd:FormTp contextRef="AsOf2025-11-03" id="Fact000010">S-3</ffd:FormTp>
    <dei:EntityRegistrantName contextRef="AsOf2025-11-03" id="Fact000011">MORGAN STANLEY</dei:EntityRegistrantName>
    <ffd:SubmissnTp contextRef="AsOf2025-11-03" id="Fact000012">424B2</ffd:SubmissnTp>
    <ffd:RegnFileNb contextRef="AsOf2025-11-03" id="Fact000013">333-275587</ffd:RegnFileNb>
    <ffd:FnlPrspctsFlg contextRef="AsOf2025-11-03" id="Fact000014">true</ffd:FnlPrspctsFlg>
    <ffd:OfferingTableNa contextRef="AsOf2025-11-03" id="Fact000015">N/A</ffd:OfferingTableNa>
    <ffd:OffsetTableNa contextRef="AsOf2025-11-03" id="Fact000016">N/A</ffd:OffsetTableNa>
    <ffd:CombinedProspectusTableNa contextRef="AsOf2025-11-03" id="Fact000017">N/A</ffd:CombinedProspectusTableNa>
    <ffd:NrrtvMaxAggtOfferingPric
      contextRef="AsOf2025-11-03"
      decimals="0"
      id="Fact000018"
      unitRef="USD">5645000.00</ffd:NrrtvMaxAggtOfferingPric>
    <ffd:NrrtvDsclsr contextRef="AsOf2025-11-03" id="Fact000019">The
prospectus is a final prospectus for the related offering.</ffd:NrrtvDsclsr>
</xbrl>
</XML>
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
