<SEC-DOCUMENT>0001839882-25-063689.txt : 20251104
<SEC-HEADER>0001839882-25-063689.hdr.sgml : 20251104
<ACCEPTANCE-DATETIME>20251104143132
ACCESSION NUMBER:		0001839882-25-063689
CONFORMED SUBMISSION TYPE:	424B2
PUBLIC DOCUMENT COUNT:		18
FILED AS OF DATE:		20251104
DATE AS OF CHANGE:		20251104

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:		251448155

	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:		251448156

	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>ms11552_424b2-36752.htm
<DESCRIPTION>PRICING SUPPLEMENT NO. 11,552
<TEXT>
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        <DIV style="margin: auto; width: 673.20pt; padding: 36pt 0; ">
            <DIV style="width: 594.00pt; padding: 23.76pt 39.60pt 0 39.60pt; min-height: 15.84pt; position: relative; ">
                <P style="line-height: 9.5pt; padding-left: 0.0pt; text-align: right; margin-top: 0; margin-bottom: 0; "><FONT style="font-size: 8.5pt; font-family: Arial, sans-serif; color: #808080; "><font style='white-space: pre-wrap;'>Pricing Supplement No. 11,552</font></FONT></P>
                <P style="line-height: 9.5pt; padding-left: 0.0pt; text-align: right; margin-top: 0; margin-bottom: 0; "><FONT style="font-size: 8.5pt; font-family: Arial, sans-serif; color: #808080; "><font style='white-space: pre-wrap;'>Registration Statement Nos. 333-275587; 333-275587-01</font></FONT></P>
                <P style="line-height: 9.5pt; padding-left: 0.0pt; text-align: right; margin-top: 0; margin-bottom: 0; "><FONT style="font-size: 8.5pt; font-family: Arial, sans-serif; color: #808080; "><font style='white-space: pre-wrap;'>Dated October 31, 2025</font></FONT></P>
                <P style="line-height: 9.5pt; padding-left: 0.0pt; text-align: right; margin-top: 0; margin-bottom: 0; "><FONT style="font-size: 8.5pt; font-family: Arial, sans-serif; color: #808080; "><font style='white-space: pre-wrap;'>Filed pursuant to Rule 424(b)(2)</font></FONT></P>
                <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; color: #7A797F; font-size: 20.0pt; "><font style='white-space: pre-wrap;'>Morgan Stanley Finance LLC</font></FONT></P>
                <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; text-transform: uppercase; color: #296DC1; font-size: 14.0pt; "><font style='white-space: pre-wrap;'>Structured Investments</font></FONT></P>
            </DIV>
            <DIV style="width: 594.00pt; padding: 10pt 39.60pt 10pt 39.60pt; position: relative; margin-bottom: 20pt; ">
                <P style="padding-left: 0.0pt; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 12.0pt; color: #296DC1; "><font style='white-space: pre-wrap;'>Buffered</font></FONT><FONT style="font-family: Times New Roman, Times, serif; color: black; font-size: 8.0pt; "></FONT><FONT style="font-family: Arial, sans-serif; font-size: 12.0pt; color: #296DC1; "><font style='white-space: pre-wrap;'> PLUS due November 4, 2027</font></FONT></P>
                <P style="margin-bottom: 0.0pt; padding-left: 0.0pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 10.0pt; color: #808080; "><font style='white-space: pre-wrap;'>Based on the Performance of a Basket</font></FONT></P>
                <P style="margin-bottom: 0.0pt; padding-left: 0.0pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 9.0pt; color: #808080; "><font style='white-space: pre-wrap;'>Buffered Performance Leveraged Upside Securities</font></FONT><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 7pt; vertical-align: super; color: #808080; "><font style='white-space: pre-wrap;'>SM</font></FONT></P>
                <P style="margin-bottom: 0.0pt; padding-left: 0.0pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 9.0pt; color: #808080; "><font style='white-space: pre-wrap;'>Fully and Unconditionally Guaranteed by Morgan Stanley</font></FONT></P>
                <P style="padding-left: 0.0pt; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #7A797F; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Principal at Risk Securities</font></FONT></P>
                <P style="margin-top: 2.2pt; margin-bottom: 2.2pt; line-height: 8.5pt; margin-left: 19.80pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; color: #A3C4EB; font-size: 8.5pt; ">&#65517;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 7.0pt; "><font style='white-space: pre-wrap;'>The Buffered PLUS (the &#8220;securities&#8221;) are unsecured obligations of Morgan Stanley Finance LLC (&#8220;MSFL&#8221;) and are fully and unconditionally guaranteed by Morgan Stanley. The securities will pay no interest and have the terms described in the accompanying product supplement, index supplement and prospectus, as supplemented or modified by this document.</font></FONT></FONT></P>
                <P style="margin-top: 2.2pt; margin-bottom: 2.2pt; line-height: 8.5pt; margin-left: 19.80pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; color: #A3C4EB; font-size: 8.5pt; ">&#65517;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-weight: bold; font-family: Arial, sans-serif; color: #000000; font-size: 7.0pt; "><font style='white-space: pre-wrap;'>Payment at maturity. </font></FONT><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 7.0pt; "><font style='white-space: pre-wrap;'>At maturity, if the final level is </font></FONT><FONT style="font-weight: bold; font-family: Arial, sans-serif; color: #000000; font-size: 7.0pt; "><font style='white-space: pre-wrap;'>greater than </font></FONT><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 7.0pt; "><font style='white-space: pre-wrap;'>the initial level, investors will receive the stated principal amount </font></FONT><FONT style="font-style: italic; font-family: Arial, sans-serif; color: #000000; font-size: 7.0pt; "><font style='white-space: pre-wrap;'>plus</font></FONT><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 7.0pt; "><font style='white-space: pre-wrap;'> the leveraged upside payment, subject to the maximum payment at maturity. If the final level is </font></FONT><FONT style="font-weight: bold; font-family: Arial, sans-serif; color: #000000; font-size: 7.0pt; "><font style='white-space: pre-wrap;'>equal to or less than </font></FONT><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 7.0pt; "><font style='white-space: pre-wrap;'>the initial level but is </font></FONT><FONT style="font-weight: bold; font-family: Arial, sans-serif; color: #000000; font-size: 7.0pt; "><font style='white-space: pre-wrap;'>greater than or equal to</font></FONT><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 7.0pt; "><font style='white-space: pre-wrap;'> the buffer level, investors will receive only the stated principal amount at maturity. If, however, the final level is </font></FONT><FONT style="font-weight: bold; font-family: Arial, sans-serif; color: #000000; font-size: 7.0pt; "><font style='white-space: pre-wrap;'>less than</font></FONT><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 7.0pt; "><font style='white-space: pre-wrap;'> the buffer level, investors will lose 1% for every 1% decline in the level of the underlier beyond the specified buffer amount. Under these circumstances, the payment at maturity will be less, and may be significantly less, than the stated principal amount of the securities, subject to the minimum payment at maturity.</font></FONT></FONT></P>
                <P style="margin-top: 2.2pt; margin-bottom: 2.2pt; line-height: 8.5pt; margin-left: 19.80pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; color: #A3C4EB; font-size: 8.5pt; ">&#65517;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 7.0pt; "><font style='white-space: pre-wrap;'>The securities are for investors who seek a return based on the performance of the underlier and who are willing to risk their principal and forgo current income and returns above the maximum payment at maturity in exchange for the upside leverage feature and the buffer feature that applies to any negative performance of the underlier over the term of the securities.</font></FONT><FONT style="font-weight: bold; font-family: Arial, sans-serif; color: #000000; font-size: 7.0pt; "><font style='white-space: pre-wrap;'> Investors in the securities must be willing to accept the risk of losing a significant portion of their initial investment. </font></FONT><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 7.0pt; "><font style='white-space: pre-wrap;'>The securities are notes issued as part of MSFL&#8217;s Series A Global Medium-Term Notes program.</font></FONT></FONT></P>
                <P style="margin-top: 2.2pt; margin-bottom: 2.2pt; line-height: 8.5pt; margin-left: 19.80pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; color: #A3C4EB; font-size: 8.5pt; ">&#65517;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-weight: bold; font-family: Arial, sans-serif; color: #000000; font-size: 7.0pt; "><font style='white-space: pre-wrap;'>All payments are subject to our credit risk. If we default on our obligations, you could lose some or all of your investment. These securities are not secured obligations and you will not have any security interest in, or otherwise have any access to, any underlying reference asset or assets.</font></FONT></FONT></P>
                <TABLE width="98.04%" style="margin-left: auto; width: 98.04%; table-layout: fixed; border-collapse: collapse; margin-right: auto; ">
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                    <TR style="vertical-align: top; min-height: 1.10pt; ">
                        <TD colspan="7" style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; background-color: #296DC1; ">
                            <P style="text-align: left; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 10.5pt; font-weight: bold; color: #FFFFFF; "><font style='white-space: pre-wrap;'>FINAL TERMS</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; min-height: 1.10pt; ">
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; ">
                            <P style="margin-bottom: 1.1pt; line-height: 9.0pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #296DC1; font-size: 7.5pt; "><font style='white-space: pre-wrap;'>Issuer:</font></FONT></P>
                        </TD>
                        <TD colspan="6" style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; ">
                            <P style="margin-bottom: 1.1pt; line-height: 9.0pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 7.5pt; "><font style='white-space: pre-wrap;'>Morgan Stanley Finance LLC</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; min-height: 1.10pt; ">
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; background-color: #DCEBF4; ">
                            <P style="margin-bottom: 1.1pt; line-height: 9.0pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #296DC1; font-size: 7.5pt; "><font style='white-space: pre-wrap;'>Guarantor:</font></FONT></P>
                        </TD>
                        <TD colspan="6" style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; background-color: #DCEBF4; ">
                            <P style="margin-bottom: 1.1pt; line-height: 9.0pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 7.5pt; "><font style='white-space: pre-wrap;'>Morgan Stanley</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; min-height: 1.10pt; ">
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; ">
                            <P style="margin-bottom: 1.1pt; line-height: 9.0pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #296DC1; font-size: 7.5pt; "><font style='white-space: pre-wrap;'>Stated principal amount:</font></FONT></P>
                        </TD>
                        <TD colspan="6" style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; ">
                            <P style="margin-bottom: 1.1pt; line-height: 9.0pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 7.5pt; "><font style='white-space: pre-wrap;'>$1,000 per security</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; min-height: 1.10pt; ">
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; background-color: #DCEBF4; ">
                            <P style="margin-bottom: 1.1pt; line-height: 9.0pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #296DC1; font-size: 7.5pt; "><font style='white-space: pre-wrap;'>Issue price:</font></FONT></P>
                        </TD>
                        <TD colspan="6" style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; background-color: #DCEBF4; ">
                            <P style="margin-bottom: 1.1pt; line-height: 9.0pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 7.5pt; "><font style='white-space: pre-wrap;'>$1,000 per security (see &#8220;Commissions and issue price&#8221; </font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 7.5pt; "><font style='white-space: pre-wrap;'>below</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 8.0pt; "></FONT><FONT style="font-family: Arial, sans-serif; font-size: 7.5pt; "><font style='white-space: pre-wrap;'>)</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 7.5pt; width: 7.43pt; display: inline-block; ">&nbsp;</FONT><FONT style="font-family: Arial, sans-serif; font-size: 7.5pt; "></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; min-height: 1.10pt; ">
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; ">
                            <P style="margin-bottom: 1.1pt; line-height: 9.0pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #296DC1; font-size: 7.5pt; "><font style='white-space: pre-wrap;'>Aggregate principal amount:</font></FONT></P>
                        </TD>
                        <TD colspan="6" style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; ">
                            <P style="margin-bottom: 1.1pt; line-height: 9.0pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 7.5pt; "><font style='white-space: pre-wrap;'>$2,575,000</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; min-height: 13.20pt; ">
                        <TD rowspan="10" style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; background-color: #DCEBF4; ">
                            <P style="margin-bottom: 1.1pt; line-height: 9.0pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #296DC1; font-size: 7.5pt; "><font style='white-space: pre-wrap;'>Underlier:</font></FONT></P>
                        </TD>
                        <TD colspan="6" style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; background-color: #DCEBF4; ">
                            <P style="margin-bottom: 1.1pt; line-height: 9.0pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 7.5pt; "><font style='white-space: pre-wrap;'>The underlier is an underlying basket consisting of the following basket components:</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; min-height: 1.10pt; ">
                        <TD colspan="2" style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; background-color: #DCEBF4; vertical-align: bottom; ">
                            <P style="margin-bottom: 1.1pt; line-height: 9.0pt; text-align: center; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #296DC1; font-size: 7.5pt; "><font style='white-space: pre-wrap;'>Basket component</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; background-color: #DCEBF4; vertical-align: bottom; ">
                            <P style="margin-bottom: 1.1pt; line-height: 9.0pt; text-align: center; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #296DC1; font-size: 7.5pt; "><font style='white-space: pre-wrap;'>Weighting</font></FONT></P>
                        </TD>
                        <TD colspan="2" style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; background-color: #DCEBF4; vertical-align: bottom; ">
                            <P style="margin-bottom: 1.1pt; line-height: 9.0pt; text-align: center; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #296DC1; font-size: 7.5pt; "><font style='white-space: pre-wrap;'>Initial basket component level</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; background-color: #DCEBF4; vertical-align: bottom; ">
                            <P style="margin-bottom: 1.1pt; line-height: 9.0pt; text-align: center; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #296DC1; font-size: 7.5pt; "><font style='white-space: pre-wrap;'>Multiplier*</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; min-height: 1.10pt; ">
                        <TD colspan="2" style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; background-color: #DCEBF4; ">
                            <P style="margin-bottom: 1.1pt; line-height: 9.0pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 7.5pt; "><font style='white-space: pre-wrap;'>iShares</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 5pt; vertical-align: super; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 7.5pt; "><font style='white-space: pre-wrap;'> MSCI EAFE ETF (the &#8220;EFA Fund&#8221;)</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; background-color: #DCEBF4; ">
                            <P style="margin-bottom: 1.1pt; line-height: 9.0pt; text-align: center; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 7.5pt; "><font style='white-space: pre-wrap;'>23%</font></FONT></P>
                        </TD>
                        <TD colspan="2" style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; background-color: #DCEBF4; ">
                            <P style="margin-bottom: 1.1pt; line-height: 9.0pt; text-align: center; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 7.5pt; "><font style='white-space: pre-wrap;'>$94.49</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; background-color: #DCEBF4; ">
                            <P style="margin-bottom: 1.1pt; line-height: 9.0pt; text-align: center; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 7.5pt; "><font style='white-space: pre-wrap;'>0.243412001</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; min-height: 1.10pt; ">
                        <TD colspan="2" style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; background-color: #DCEBF5; ">
                            <P style="margin-bottom: 1.1pt; line-height: 9.0pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 7.5pt; "><font style='white-space: pre-wrap;'>iShares</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 5pt; vertical-align: super; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 7.5pt; "><font style='white-space: pre-wrap;'> MSCI Emerging Markets ETF (the &#8220;EEM Fund&#8221;)</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; background-color: #DCEBF5; ">
                            <P style="margin-bottom: 1.1pt; line-height: 9.0pt; text-align: center; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 7.5pt; "><font style='white-space: pre-wrap;'>9%</font></FONT></P>
                        </TD>
                        <TD colspan="2" style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; background-color: #DCEBF5; ">
                            <P style="margin-bottom: 1.1pt; line-height: 9.0pt; text-align: center; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 7.5pt; "><font style='white-space: pre-wrap;'>$55.30</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; background-color: #DCEBF5; ">
                            <P style="margin-bottom: 1.1pt; line-height: 9.0pt; text-align: center; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 7.5pt; "><font style='white-space: pre-wrap;'>0.162748644</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; min-height: 1.10pt; ">
                        <TD colspan="2" style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; background-color: #DCEBF5; ">
                            <P style="margin-bottom: 1.1pt; line-height: 9.0pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 7.5pt; "><font style='white-space: pre-wrap;'>Russell 2000</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 5pt; vertical-align: super; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 7.5pt; "><font style='white-space: pre-wrap;'> Index (the &#8220;RTY Index&#8221;)</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; background-color: #DCEBF5; ">
                            <P style="margin-bottom: 1.1pt; line-height: 9.0pt; text-align: center; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 7.5pt; "><font style='white-space: pre-wrap;'>12%</font></FONT></P>
                        </TD>
                        <TD colspan="2" style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; background-color: #DCEBF5; ">
                            <P style="margin-bottom: 1.1pt; line-height: 9.0pt; text-align: center; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 7.5pt; "><font style='white-space: pre-wrap;'>2,479.381</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; background-color: #DCEBF5; ">
                            <P style="margin-bottom: 1.1pt; line-height: 9.0pt; text-align: center; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 7.5pt; "><font style='white-space: pre-wrap;'>0.004839918</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; min-height: 1.10pt; ">
                        <TD colspan="2" style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; background-color: #DCEBF5; ">
                            <P style="margin-bottom: 1.1pt; line-height: 9.0pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 7.5pt; "><font style='white-space: pre-wrap;'>S&amp;P 500</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 5pt; vertical-align: super; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 7.5pt; "><font style='white-space: pre-wrap;'> Index (the &#8220;SPX Index&#8221;)</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; background-color: #DCEBF5; ">
                            <P style="margin-bottom: 1.1pt; line-height: 9.0pt; text-align: center; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 7.5pt; "><font style='white-space: pre-wrap;'>41%</font></FONT></P>
                        </TD>
                        <TD colspan="2" style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; background-color: #DCEBF5; ">
                            <P style="margin-bottom: 1.1pt; line-height: 9.0pt; text-align: center; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 7.5pt; "><font style='white-space: pre-wrap;'>6,840.20</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; background-color: #DCEBF5; ">
                            <P style="margin-bottom: 1.1pt; line-height: 9.0pt; text-align: center; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 7.5pt; "><font style='white-space: pre-wrap;'>0.005993977</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; min-height: 1.10pt; ">
                        <TD colspan="2" style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; background-color: #DCEBF4; ">
                            <P style="margin-bottom: 1.1pt; line-height: 9.0pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 7.5pt; "><font style='white-space: pre-wrap;'>S&amp;P MidCap 400</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 5pt; vertical-align: super; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 7.5pt; "><font style='white-space: pre-wrap;'> Index (the &#8220;MID Index&#8221;)</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; background-color: #DCEBF4; ">
                            <P style="margin-bottom: 1.1pt; line-height: 9.0pt; text-align: center; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 7.5pt; "><font style='white-space: pre-wrap;'>15%</font></FONT></P>
                        </TD>
                        <TD colspan="2" style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; background-color: #DCEBF4; ">
                            <P style="margin-bottom: 1.1pt; line-height: 9.0pt; text-align: center; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 7.5pt; "><font style='white-space: pre-wrap;'>3,246.26</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; background-color: #DCEBF4; ">
                            <P style="margin-bottom: 1.1pt; line-height: 9.0pt; text-align: center; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 7.5pt; "><font style='white-space: pre-wrap;'>0.004620702</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; min-height: 1.10pt; ">
                        <TD colspan="6" style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; background-color: #DCEBF4; ">
                            <P style="margin-bottom: 1.1pt; line-height: 9.0pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 7.5pt; "><font style='white-space: pre-wrap;'>We refer to each of the EFA Fund and the EEM Fund as a basket fund. We refer to each of the RTY Index, SPX Index and the MID Index as a basket index.</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; min-height: 1.10pt; ">
                        <TD colspan="6" style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; background-color: #DCEBF4; ">
                            <P style="margin-bottom: 1.1pt; line-height: 9.0pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 7.5pt; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; min-height: 1.10pt; ">
                        <TD colspan="6" style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; background-color: #DCEBF4; ">
                            <P style="margin-bottom: 1.1pt; line-height: 9.0pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 7.5pt; "><font style='white-space: pre-wrap;'>*&#8220;Multiplier&#8221; has the meaning set forth under &#8220;General Terms of the Securities&#8212;Some Definitions&#8221; in the accompanying product supplement. The multipliers will remain constant over the term of the securities.</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; min-height: 1.10pt; ">
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; background-color: white; ">
                            <P style="margin-bottom: 1.1pt; line-height: 9.0pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #296DC1; font-size: 7.5pt; "><font style='white-space: pre-wrap;'>Strike date:</font></FONT></P>
                        </TD>
                        <TD colspan="6" style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; background-color: white; ">
                            <P style="margin-bottom: 1.1pt; line-height: 9.0pt; margin-top: 0; "><FONT style="font-size: 7.5pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>October 31, 2025</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; min-height: 1.10pt; ">
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; background-color: #DCEBF4; ">
                            <P style="margin-bottom: 1.1pt; line-height: 9.0pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #296DC1; font-size: 7.5pt; "><font style='white-space: pre-wrap;'>Pricing date:</font></FONT></P>
                        </TD>
                        <TD colspan="6" style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; background-color: #DCEBF4; ">
                            <P style="margin-bottom: 1.1pt; line-height: 9.0pt; margin-top: 0; "><FONT style="font-size: 7.5pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>October 31, 2025</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; min-height: 1.10pt; ">
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; background-color: white; ">
                            <P style="margin-bottom: 1.1pt; line-height: 9.0pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #296DC1; font-size: 7.5pt; "><font style='white-space: pre-wrap;'>Original issue date:</font></FONT></P>
                        </TD>
                        <TD colspan="6" style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; background-color: white; ">
                            <P style="margin-bottom: 1.1pt; line-height: 9.0pt; margin-top: 0; "><FONT style="font-size: 7.5pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>November 5, 2025</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; min-height: 1.10pt; ">
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; background-color: #DCEBF4; ">
                            <P style="margin-bottom: 1.1pt; line-height: 9.0pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #296DC1; font-size: 7.5pt; "><font style='white-space: pre-wrap;'>Observation date:</font></FONT></P>
                        </TD>
                        <TD colspan="6" style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; background-color: #DCEBF4; ">
                            <P style="margin-bottom: 1.1pt; line-height: 9.0pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 7.5pt; "><font style='white-space: pre-wrap;'>November 1, 2027, subject to postponement for non-trading days and certain market disruption events</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; min-height: 1.10pt; ">
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; background-color: white; ">
                            <P style="margin-bottom: 1.1pt; line-height: 9.0pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #296DC1; font-size: 7.5pt; "><font style='white-space: pre-wrap;'>Maturity date:</font></FONT></P>
                        </TD>
                        <TD colspan="6" style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; background-color: white; ">
                            <P style="margin-bottom: 1.1pt; line-height: 9.0pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 7.5pt; "><font style='white-space: pre-wrap;'>November 4, 2027</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; min-height: 1.10pt; ">
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; background-color: #DCEBF4; ">
                            <P style="margin-bottom: 1.1pt; line-height: 9.0pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #296DC1; font-size: 7.5pt; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
                        </TD>
                        <TD colspan="6" style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; background-color: #DCEBF4; ">
                            <P style="margin-bottom: 1.1pt; line-height: 9.0pt; text-align: right; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-style: italic; font-size: 7.5pt; "><font style='white-space: pre-wrap;'>Terms continued on the following page</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; min-height: 1.10pt; ">
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; background-color: white; ">
                            <P style="margin-bottom: 1.1pt; line-height: 9.0pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #296DC1; font-size: 7.5pt; "><font style='white-space: pre-wrap;'>Agent:</font></FONT></P>
                        </TD>
                        <TD colspan="6" style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; background-color: white; ">
                            <P style="margin-bottom: 1.1pt; line-height: 9.0pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 7.5pt; "><font style='white-space: pre-wrap;'>Morgan Stanley &amp; Co. LLC (&#8220;MS &amp; Co.&#8221;), an affiliate of MSFL and a wholly owned subsidiary of Morgan Stanley. See &#8220;Supplemental information regarding plan of distribution; conflicts of interest.&#8221;</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; min-height: 1.10pt; ">
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; background-color: #DCEBF4; ">
                            <P style="margin-bottom: 1.1pt; line-height: 9.0pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #296DC1; font-size: 7.5pt; "><font style='white-space: pre-wrap;'>Estimated value on the pricing date:</font></FONT></P>
                        </TD>
                        <TD colspan="6" style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; background-color: #DCEBF4; ">
                            <P style="margin-bottom: 1.1pt; line-height: 9.0pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 7.5pt; "><font style='white-space: pre-wrap;'>$976.80 per security. See &#8220;Estimated Value of the Securities&#8221; on page 3.</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; min-height: 1.10pt; ">
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; background-color: white; vertical-align: middle; ">
                            <P style="margin-bottom: 1.1pt; line-height: 9.0pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #296DC1; font-size: 7.5pt; "><font style='white-space: pre-wrap;'>Commissions and issue price:</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; background-color: white; vertical-align: middle; ">
                            <P style="margin-bottom: 1.1pt; line-height: 9.0pt; text-align: center; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #296DC1; font-size: 7.5pt; "><font style='white-space: pre-wrap;'>Price to public</font></FONT></P>
                        </TD>
                        <TD colspan="3" style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; background-color: white; vertical-align: middle; ">
                            <P style="margin-bottom: 1.1pt; line-height: 9.0pt; text-align: center; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #296DC1; font-size: 7.5pt; "><font style='white-space: pre-wrap;'>Agent&#8217;s commissions and fees</font></FONT><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #296DC1; font-size: 5pt; vertical-align: super; "><font style='white-space: pre-wrap;'>(1)(2)</font></FONT></P>
                        </TD>
                        <TD colspan="2" style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; background-color: white; vertical-align: middle; ">
                            <P style="margin-bottom: 1.1pt; line-height: 9.0pt; text-align: center; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #296DC1; font-size: 7.5pt; "><font style='white-space: pre-wrap;'>Proceeds to us</font></FONT><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #296DC1; font-size: 5pt; vertical-align: super; "><font style='white-space: pre-wrap;'>(3)</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; min-height: 1.10pt; ">
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; background-color: #DCEBF4; ">
                            <P style="margin-bottom: 1.1pt; line-height: 9.0pt; text-indent: 73.32pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #296DC1; font-size: 7.5pt; "><font style='white-space: pre-wrap;'>Per security</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; background-color: #DCEBF4; ">
                            <P style="margin-bottom: 1.1pt; line-height: 9.0pt; text-align: center; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 7.5pt; "><font style='white-space: pre-wrap;'>$1,000</font></FONT></P>
                        </TD>
                        <TD colspan="3" style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; background-color: #DCEBF4; ">
                            <P style="margin-bottom: 1.1pt; line-height: 9.0pt; text-align: center; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 7.5pt; "><font style='white-space: pre-wrap;'>$0</font></FONT></P>
                        </TD>
                        <TD colspan="2" style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; background-color: #DCEBF4; ">
                            <P style="margin-bottom: 1.1pt; line-height: 9.0pt; text-align: center; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 7.5pt; "><font style='white-space: pre-wrap;'>$1,000</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; min-height: 1.10pt; ">
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; background-color: white; ">
                            <P style="margin-bottom: 1.1pt; line-height: 9.0pt; text-indent: 73.32pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #296DC1; font-size: 7.5pt; "><font style='white-space: pre-wrap;'>Total</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; background-color: white; ">
                            <P style="margin-bottom: 1.1pt; line-height: 9.0pt; text-align: center; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 7.5pt; "><font style='white-space: pre-wrap;'>$2,575,000</font></FONT></P>
                        </TD>
                        <TD colspan="3" style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; background-color: white; ">
                            <P style="margin-bottom: 1.1pt; line-height: 9.0pt; text-align: center; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 7.5pt; "><font style='white-space: pre-wrap;'>$0</font></FONT></P>
                        </TD>
                        <TD colspan="2" style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; background-color: white; ">
                            <P style="margin-bottom: 1.1pt; line-height: 9.0pt; text-align: center; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 7.5pt; "><font style='white-space: pre-wrap;'>$2,575,000</font></FONT></P>
                        </TD>
                    </TR>
                </TABLE>
                <P style="margin-bottom: 0.0pt; line-height: 8.0pt; margin-top: 0; margin-left: 19.80pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; font-family: Arial, sans-serif; font-style: italic; font-size: 7.0pt; color: #000000; background-color: #FFFFFF; ">(1)</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-style: italic; color: #000000; font-size: 7.0pt; "><font style='white-space: pre-wrap;'>The securities will be sold only to investors purchasing the securities in fee-based advisory accounts.</font></FONT></FONT></P>
                <P style="margin-bottom: 0.0pt; line-height: 8.0pt; margin-top: 0; margin-left: 19.80pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; font-family: Arial, sans-serif; font-style: italic; font-size: 7.0pt; color: #000000; background-color: #FFFFFF; ">(2)</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-style: italic; color: #000000; font-size: 7.0pt; "><font style='white-space: pre-wrap;'>MS &amp; Co. expects to sell all of the securities that it purchases from us to an unaffiliated dealer at a price of $1,000 per security, for further sale to certain fee-based advisory accounts at the price to public of $1,000 per security. MS &amp; Co. will not receive a sales commission with respect to the securities. See &#8220;Supplemental information regarding plan of distribution; conflicts of interest.&#8221; For additional information, see &#8220;Plan of Distribution (Conflicts of Interest)&#8221; in the accompanying product supplement.</font></FONT></FONT></P>
                <P style="margin-bottom: 0.0pt; line-height: 8.0pt; margin-top: 0; margin-left: 19.80pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; font-family: Arial, sans-serif; font-style: italic; font-size: 7.0pt; color: #000000; background-color: #FFFFFF; ">(3)</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-style: italic; color: #000000; font-size: 7.0pt; "><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-bottom: 0.0pt; text-indent: 0.0pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #000000; font-size: 8.5pt; "><font style='white-space: pre-wrap;'>The securities involve risks not associated with an investment in ordinary debt securities. See &#8220;Risk Factors&#8221; beginning on page 5.</font></FONT></P>
                <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #000000; font-size: 6.0pt; "><font style='white-space: pre-wrap;'>The Securities and Exchange Commission and state securities regulators have not approved or disapproved these securities, or determined if this document or the accompanying product supplement, index supplement and prospectus is truthful or complete. Any representation to the contrary is a criminal offense.</font></FONT></P>
                <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #000000; font-size: 6.0pt; "><font style='white-space: pre-wrap;'>The securities 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; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #000000; font-size: 6.0pt; "><font style='white-space: pre-wrap;'>You should read this document together with the related product supplement, index supplement and prospectus, each of which can be accessed via the hyperlinks below. When you read the accompanying index supplement, please note that all references in such supplement to the prospectus dated November 16, 2023, or to any sections therein, should refer instead to the accompanying prospectus dated April 12, 2024 or to the corresponding sections of such prospectus, as applicable. Please also see &#8220;Additional Terms of the Securities&#8221; and &#8220;Additional Information About the Securities&#8221; at the end of this document. </font></FONT></P>
                <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #000000; font-size: 6.0pt; "><font style='white-space: pre-wrap;'>References to &#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: 2.2pt; margin-bottom: 2.2pt; text-align: center; "><A href="https://www.sec.gov/Archives/edgar/data/895421/000095010325001753/dp224623_424b2-parsupp.htm" style="word-break: break-all; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #296DC1; font-size: 7.5pt; text-decoration-style: solid; text-decoration-line: underline; "><U><font style='white-space: pre-wrap;'>Product Supplement for Principal at Risk Securities dated </font></U><U><font style='white-space: pre-wrap;'>February 7</font></U><U><font style='white-space: pre-wrap;'>, 2025</font></U></FONT></A><FONT style="font-family: Arial, sans-serif; color: #296DC1; font-size: 7.5pt; "><font style='white-space: pre-wrap;'>        </font></FONT><A href="https://www.sec.gov/Archives/edgar/data/895421/000095010323016332/dp202718_424b2-isn2023.htm" style="word-break: break-all; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #296DC1; font-size: 7.5pt; text-decoration-style: solid; text-decoration-line: underline; "><U><font style='white-space: pre-wrap;'>Index Supplement dated November 16, 2023</font></U></FONT></A></P>
                <P style="margin-top: 2.2pt; margin-bottom: 2.2pt; text-align: center; "><A href="https://www.sec.gov/Archives/edgar/data/895421/000095010324005205/dp209505_424b2-base.htm" style="word-break: break-all; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #296DC1; font-size: 7.5pt; text-decoration-style: solid; text-decoration-line: underline; "><U><font style='white-space: pre-wrap;'>Prospectus dated April 12, 2024</font></U></FONT></A></P>
            </DIV>
            <DIV style="width: 594.00pt; padding: 0 39.60pt 15.84pt 39.60pt; min-height: 23.76pt; position: relative; ">
                <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 12.0pt; ">&nbsp;</FONT></P>
            </DIV>
        </DIV>
        <DIV style="page-break-after: always; border-bottom: 1pt solid black; ">
            <P></P>
        </DIV>
        <DIV style="margin: auto; width: 673.20pt; padding: 36pt 0; ">
            <DIV style="width: 594.00pt; padding: 23.76pt 39.60pt 0 39.60pt; min-height: 15.84pt; position: relative; ">
                <P style="text-align: right; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; color: #7A797F; font-size: 18.0pt; "><font style='white-space: pre-wrap;'>Morgan Stanley Finance LLC</font></FONT></P>
                <TABLE width="594.00pt" style="margin-left: auto; width: 594.00pt; table-layout: fixed; border-collapse: collapse; margin-right: auto; ">
                    <TR>
                        <TD width="594.00pt" style="width: 594.00pt; 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; border-top:  0.25pt solid #296DC1; border-bottom:  0.25pt solid #296DC1; ">
                            <P style="padding-left: 0.0pt; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 11.0pt; color: #296DC1; "><font style='white-space: pre-wrap;'>Buffered PLUS</font></FONT></P>
                            <P style="padding-left: 0.0pt; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #7A797F; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>Principal at Risk Securities</font></FONT></P>
                        </TD>
                    </TR>
                </TABLE>
                <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 12.0pt; ">&nbsp;</FONT></P>
            </DIV>
            <DIV style="width: 594.00pt; padding: 10pt 39.60pt 10pt 39.60pt; position: relative; margin-bottom: 20pt; ">
                <TABLE WIDTH="98.06%" STYLE="font: 8pt Arial, Helvetica, Sans-Serif; margin-left: auto; width: 98.06%; table-layout: fixed; border-collapse: collapse; margin-right: auto">
                    <TR STYLE="font: 8pt Arial, Helvetica, Sans-Serif">
                        <TD WIDTH="29.3%" STYLE="font: 8pt Arial, Helvetica, Sans-Serif; width: 29.3%; border-width: 0; margin: 0; padding: 0; height: 0">
                        </TD>
                        <TD WIDTH="80.7%" STYLE="font: 8pt Arial, Helvetica, Sans-Serif; width: 80.7%; border-width: 0; margin: 0; padding: 0; height: 0">
                        </TD>
                    </TR>
                    <TR STYLE="font: 8pt Arial, Helvetica, Sans-Serif; vertical-align: top; min-height: 1.1pt">
                        <TD COLSPAN="2" STYLE="font: 8pt Arial, Helvetica, Sans-Serif; padding: 0pt 5.94pt">
                            <P STYLE="font: 8pt/9pt Arial, Helvetica, Sans-Serif; margin-top: 1.1pt; margin-bottom: 1.1pt"><FONT STYLE="font: italic bold 8pt Arial, Helvetica, Sans-Serif; color: black"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; white-space: pre-wrap; font-size: 8pt">Terms </font></FONT><FONT STYLE="font: normal 8pt Arial, Helvetica, Sans-Serif; color: black"></FONT><FONT STYLE="font: italic bold 8pt Arial, Helvetica, Sans-Serif; color: black"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; white-space: pre-wrap; font-size: 8pt">continued from the previous page</font></FONT></P>
                        </TD>
                    </TR>
                    <TR STYLE="font: 8pt Arial, Helvetica, Sans-Serif; vertical-align: top; min-height: 1.1pt">
                        <TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; padding: 0pt 5.94pt; background-color: #DCEBF4">
                            <P STYLE="font: 8pt/9pt Arial, Helvetica, Sans-Serif; margin-top: 1.1pt; margin-bottom: 1.1pt"><FONT STYLE="font: bold 8pt Arial, Helvetica, Sans-Serif; color: #296DC1"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; white-space: pre-wrap; font-size: 8pt">Payment at maturity per security:</font></FONT></P>
                        </TD>
                        <TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; padding: 0pt 5.94pt; background-color: #DCEBF4">
                            <P STYLE="font: 8pt/9pt Arial, Helvetica, Sans-Serif; margin-top: 1.1pt; margin-bottom: 1.1pt; margin-left: 19.8pt; text-indent: -19.8pt"><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT STYLE="display: inline-block; width: 19.8pt; text-indent: 0; text-align: left; font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#8226;</FONT><!--[if IE]</FONT><![endif]--><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; white-space: pre-wrap; font-size: 8pt">If the final level is </font></FONT><FONT STYLE="font: bold 8pt Arial, Helvetica, Sans-Serif; color: black"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; white-space: pre-wrap; font-size: 8pt">greater than</font></FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; white-space: pre-wrap; font-size: 8pt"> the initial level:</font></FONT></FONT></P>
                            <P STYLE="font: 8pt/9pt Arial, Helvetica, Sans-Serif; margin-top: 1.1pt; margin-bottom: 1.1pt; padding-left: 39.6pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; white-space: pre-wrap; font-size: 8pt">(stated principal amount + leveraged upside payment), subject to the maximum payment at maturity</font></FONT></P>
                            <P STYLE="font: 8pt/9pt Arial, Helvetica, Sans-Serif; margin-top: 1.1pt; margin-bottom: 1.1pt; margin-left: 19.8pt; text-indent: -19.8pt"><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT STYLE="display: inline-block; width: 19.8pt; text-indent: 0; text-align: left; font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#8226;</FONT><!--[if IE]</FONT><![endif]--><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; white-space: pre-wrap; font-size: 8pt">If the final level is </font></FONT><FONT STYLE="font: bold 8pt Arial, Helvetica, Sans-Serif; color: black"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; white-space: pre-wrap; font-size: 8pt">equal to or</font></FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; white-space: pre-wrap; font-size: 8pt"> </font></FONT><FONT STYLE="font: bold 8pt Arial, Helvetica, Sans-Serif; color: black"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; white-space: pre-wrap; font-size: 8pt">less than </font></FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; white-space: pre-wrap; font-size: 8pt">the initial level but is </font></FONT><FONT STYLE="font: bold 8pt Arial, Helvetica, Sans-Serif; color: black"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; white-space: pre-wrap; font-size: 8pt">greater than</font></FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; white-space: pre-wrap; font-size: 8pt"> </font></FONT><FONT STYLE="font: bold 8pt Arial, Helvetica, Sans-Serif; color: black"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; white-space: pre-wrap; font-size: 8pt">or equal to</font></FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; white-space: pre-wrap; font-size: 8pt"> the buffer level:</font></FONT></FONT></P>
                            <P STYLE="font: 8pt/9pt Arial, Helvetica, Sans-Serif; margin-top: 1.1pt; margin-bottom: 1.1pt; padding-left: 39.6pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; white-space: pre-wrap; font-size: 8pt">stated principal amount</font></FONT></P>
                            <P STYLE="font: 8pt/9pt Arial, Helvetica, Sans-Serif; margin-top: 1.1pt; margin-bottom: 1.1pt; margin-left: 19.8pt; text-indent: -19.8pt"><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT STYLE="display: inline-block; width: 19.8pt; text-indent: 0; text-align: left; font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&#8226;</FONT><!--[if IE]</FONT><![endif]--><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; white-space: pre-wrap; font-size: 8pt">If the final level is </font></FONT><FONT STYLE="font: bold 8pt Arial, Helvetica, Sans-Serif; color: black"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; white-space: pre-wrap; font-size: 8pt">less than</font></FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; white-space: pre-wrap; font-size: 8pt"> the buffer level:</font></FONT></FONT></P>
                            <P STYLE="font: 8pt/9pt Arial, Helvetica, Sans-Serif; margin-top: 1.1pt; margin-bottom: 1.1pt; padding-left: 39.6pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; white-space: pre-wrap; font-size: 8pt">stated principal amount &#215; (performance factor + buffer amount)</font></FONT></P>
                            <P STYLE="font: 8pt/9pt Arial, Helvetica, Sans-Serif; margin-top: 1.1pt; margin-bottom: 1.1pt; padding-left: 19.8pt"><FONT STYLE="font: italic 8pt Arial, Helvetica, Sans-Serif; color: black"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; white-space: pre-wrap; font-size: 8pt">Under these circumstances, the payment at maturity will be less, and may be significantly less, than the stated principal amount, subject to the minimum payment at maturity.</font></FONT></P>
                        </TD>
                    </TR>
                    <TR STYLE="font: 8pt Arial, Helvetica, Sans-Serif; vertical-align: top; min-height: 1.1pt">
                        <TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; padding: 0pt 5.94pt">
                            <P STYLE="font: 8pt/9pt Arial, Helvetica, Sans-Serif; margin-top: 1.1pt; margin-bottom: 1.1pt"><FONT STYLE="font: bold 8pt Arial, Helvetica, Sans-Serif; color: #296DC1"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; white-space: pre-wrap; font-size: 8pt">Final level:</font></FONT></P>
                        </TD>
                        <TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; padding: 0pt 5.94pt">
                            <P STYLE="font: 8pt/9pt Arial, Helvetica, Sans-Serif; margin-top: 1.1pt; margin-bottom: 1.1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; white-space: pre-wrap; font-size: 8pt">The closing level of the underlier on the observation date</font></FONT></P>
                        </TD>
                    </TR>
                    <TR STYLE="font: 8pt Arial, Helvetica, Sans-Serif; vertical-align: top; min-height: 1.1pt">
                        <TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; padding: 0pt 5.94pt; background-color: #DCEBF4">
                            <P STYLE="font: 8pt/9pt Arial, Helvetica, Sans-Serif; margin-top: 1.1pt; margin-bottom: 1.1pt"><FONT STYLE="font: bold 8pt Arial, Helvetica, Sans-Serif; color: #296DC1"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; white-space: pre-wrap; font-size: 8pt">Initial level:</font></FONT></P>
                        </TD>
                        <TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; padding: 0pt 5.94pt; background-color: #DCEBF4">
                            <P STYLE="font: 8pt/9pt Arial, Helvetica, Sans-Serif; margin-top: 1.1pt; margin-bottom: 1.1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; white-space: pre-wrap; font-size: 8pt">100, which is equal to the sum of the products of (i) the initial basket component level of each basket component, as set forth under &#8220;Underlier&#8212;Initial basket component level&#8221; above, and (ii) the applicable multiplier for such basket component, as set forth under &#8220;Underlier&#8212;Multiplier&#8221; above</font></FONT></P>
                        </TD>
                    </TR>
                    <TR STYLE="font: 8pt Arial, Helvetica, Sans-Serif; vertical-align: top; min-height: 1.1pt">
                        <TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; padding: 0pt 5.94pt">
                            <P STYLE="font: 8pt/9pt Arial, Helvetica, Sans-Serif; margin-top: 1.1pt; margin-bottom: 1.1pt"><FONT STYLE="font: bold 8pt Arial, Helvetica, Sans-Serif; color: #296DC1"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; white-space: pre-wrap; font-size: 8pt">Leveraged upside payment:</font></FONT></P>
                        </TD>
                        <TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; padding: 0pt 5.94pt">
                            <P STYLE="font: 8pt/9pt Arial, Helvetica, Sans-Serif; margin-top: 1.1pt; margin-bottom: 1.1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; white-space: pre-wrap; font-size: 8pt">stated principal amount &#215; leverage factor &#215; underlier percent change</font></FONT></P>
                        </TD>
                    </TR>
                    <TR STYLE="font: 8pt Arial, Helvetica, Sans-Serif; vertical-align: top; min-height: 1.1pt">
                        <TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; padding: 0pt 5.94pt; background-color: #DCEBF4">
                            <P STYLE="font: 8pt/9pt Arial, Helvetica, Sans-Serif; margin-top: 1.1pt; margin-bottom: 1.1pt"><FONT STYLE="font: bold 8pt Arial, Helvetica, Sans-Serif; color: #296DC1"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; white-space: pre-wrap; font-size: 8pt">Leverage factor:</font></FONT></P>
                        </TD>
                        <TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; padding: 0pt 5.94pt; background-color: #DCEBF4">
                            <P STYLE="font: 8pt/9pt Arial, Helvetica, Sans-Serif; margin-top: 1.1pt; margin-bottom: 1.1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; white-space: pre-wrap; font-size: 8pt">150%</font></FONT></P>
                        </TD>
                    </TR>
                    <TR STYLE="font: 8pt Arial, Helvetica, Sans-Serif; vertical-align: top; min-height: 1.1pt">
                        <TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; padding: 0pt 5.94pt">
                            <P STYLE="font: 8pt/9pt Arial, Helvetica, Sans-Serif; margin-top: 1.1pt; margin-bottom: 1.1pt"><FONT STYLE="font: bold 8pt Arial, Helvetica, Sans-Serif; color: #296DC1"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; white-space: pre-wrap; font-size: 8pt">Underlier percent change:</font></FONT></P>
                        </TD>
                        <TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; padding: 0pt 5.94pt">
                            <P STYLE="font: 8pt/9pt Arial, Helvetica, Sans-Serif; margin-top: 1.1pt; margin-bottom: 1.1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; white-space: pre-wrap; font-size: 8pt">(final level &#8211; initial level) / initial level</font></FONT></P>
                        </TD>
                    </TR>
                    <TR STYLE="font: 8pt Arial, Helvetica, Sans-Serif; vertical-align: top; min-height: 1.1pt">
                        <TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; padding: 0pt 5.94pt; background-color: #DCEBF4">
                            <P STYLE="font: 8pt/9pt Arial, Helvetica, Sans-Serif; margin-top: 1.1pt; margin-bottom: 1.1pt"><FONT STYLE="font: bold 8pt Arial, Helvetica, Sans-Serif; color: #296DC1"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; white-space: pre-wrap; font-size: 8pt">Maximum payment at maturity:</font></FONT></P>
                        </TD>
                        <TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; padding: 0pt 5.94pt; background-color: #DCEBF4">
                            <P STYLE="font: 8pt/9pt Arial, Helvetica, Sans-Serif; margin-top: 1.1pt; margin-bottom: 1.1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; white-space: pre-wrap; font-size: 8pt">$1,250 per security (125% of the stated principal amount)</font></FONT></P>
                        </TD>
                    </TR>
                    <TR STYLE="font: 8pt Arial, Helvetica, Sans-Serif; vertical-align: top; min-height: 1.1pt">
                        <TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; padding: 0pt 5.94pt">
                            <P STYLE="font: 8pt/9pt Arial, Helvetica, Sans-Serif; margin-top: 1.1pt; margin-bottom: 1.1pt"><FONT STYLE="font: bold 8pt Arial, Helvetica, Sans-Serif; color: #296DC1"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; white-space: pre-wrap; font-size: 8pt">Buffer level:</font></FONT></P>
                        </TD>
                        <TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; padding: 0pt 5.94pt">
                            <P STYLE="font: 8pt/9pt Arial, Helvetica, Sans-Serif; margin-top: 1.1pt; margin-bottom: 1.1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; white-space: pre-wrap; font-size: 8pt">95, which is 95% of the initial level</font></FONT></P>
                        </TD>
                    </TR>
                    <TR STYLE="font: 8pt Arial, Helvetica, Sans-Serif; vertical-align: top; min-height: 1.1pt">
                        <TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; padding: 0pt 5.94pt; background-color: #DCEBF4">
                            <P STYLE="font: 8pt/9pt Arial, Helvetica, Sans-Serif; margin-top: 1.1pt; margin-bottom: 1.1pt"><FONT STYLE="font: bold 8pt Arial, Helvetica, Sans-Serif; color: #296DC1"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; white-space: pre-wrap; font-size: 8pt">Performance factor:</font></FONT></P>
                        </TD>
                        <TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; padding: 0pt 5.94pt; background-color: #DCEBF4">
                            <P STYLE="font: 8pt/9pt Arial, Helvetica, Sans-Serif; margin-top: 1.1pt; margin-bottom: 1.1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; white-space: pre-wrap; font-size: 8pt">final level / initial level</font></FONT></P>
                        </TD>
                    </TR>
                    <TR STYLE="font: 8pt Arial, Helvetica, Sans-Serif; vertical-align: top; min-height: 1.1pt">
                        <TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; padding: 0pt 5.94pt">
                            <P STYLE="font: 8pt/9pt Arial, Helvetica, Sans-Serif; margin-top: 1.1pt; margin-bottom: 1.1pt"><FONT STYLE="font: bold 8pt Arial, Helvetica, Sans-Serif; color: #296DC1"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; white-space: pre-wrap; font-size: 8pt">Buffer amount:</font></FONT></P>
                        </TD>
                        <TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; padding: 0pt 5.94pt">
                            <P STYLE="font: 8pt/9pt Arial, Helvetica, Sans-Serif; margin-top: 1.1pt; margin-bottom: 1.1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; white-space: pre-wrap; font-size: 8pt">5%</font></FONT></P>
                        </TD>
                    </TR>
                    <TR STYLE="font: 8pt Arial, Helvetica, Sans-Serif; vertical-align: top; min-height: 1.1pt">
                        <TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; padding: 0pt 5.94pt; background-color: #DCEBF4">
                            <P STYLE="font: 8pt/9pt Arial, Helvetica, Sans-Serif; margin-top: 1.1pt; margin-bottom: 1.1pt"><FONT STYLE="font: bold 8pt Arial, Helvetica, Sans-Serif; color: #296DC1"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; white-space: pre-wrap; font-size: 8pt">Minimum payment at maturity:</font></FONT></P>
                        </TD>
                        <TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; padding: 0pt 5.94pt; background-color: #DCEBF4">
                            <P STYLE="font: 8pt/9pt Arial, Helvetica, Sans-Serif; margin-top: 1.1pt; margin-bottom: 1.1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; white-space: pre-wrap; font-size: 8pt">5% of the stated principal amount</font></FONT></P>
                        </TD>
                    </TR>
                    <TR STYLE="font: 8pt Arial, Helvetica, Sans-Serif; vertical-align: top; min-height: 1.1pt">
                        <TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; padding: 0pt 5.94pt">
                            <P STYLE="font: 8pt/9pt Arial, Helvetica, Sans-Serif; margin-top: 1.1pt; margin-bottom: 1.1pt"><FONT STYLE="font: bold 8pt Arial, Helvetica, Sans-Serif; color: #296DC1"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; white-space: pre-wrap; font-size: 8pt">Closing level:</font></FONT></P>
                        </TD>
                        <TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; padding: 0pt 5.94pt">
                            <P STYLE="font: 8pt/9pt Arial, Helvetica, Sans-Serif; margin-top: 1.1pt; margin-bottom: 1.1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; white-space: pre-wrap; font-size: 8pt">&#8220;Closing level,&#8221; &#8220;basket component closing level&#8221; and &#8220;adjustment factor&#8221; have the meanings set forth under &#8220;General Terms of the Securities&#8212;Some Definitions&#8221; in the accompanying product supplement.</font></FONT></P>
                        </TD>
                    </TR>
                    <TR STYLE="font: 8pt Arial, Helvetica, Sans-Serif; vertical-align: top; min-height: 1.1pt">
                        <TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; padding: 0pt 5.94pt; background-color: #DCEBF4">
                            <P STYLE="font: 8pt/9pt Arial, Helvetica, Sans-Serif; margin-top: 1.1pt; margin-bottom: 1.1pt"><FONT STYLE="font: bold 8pt Arial, Helvetica, Sans-Serif; color: #296DC1"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; white-space: pre-wrap; font-size: 8pt">CUSIP:</font></FONT></P>
                        </TD>
                        <TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; padding: 0pt 5.94pt; background-color: #DCEBF4">
                            <P STYLE="font: 8pt/9pt Arial, Helvetica, Sans-Serif; margin-top: 1.1pt; margin-bottom: 1.1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; white-space: pre-wrap; font-size: 8pt">61779PE50</font></FONT></P>
                        </TD>
                    </TR>
                    <TR STYLE="font: 8pt Arial, Helvetica, Sans-Serif; vertical-align: top; min-height: 1.1pt">
                        <TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; padding: 0pt 5.94pt">
                            <P STYLE="font: 8pt/9pt Arial, Helvetica, Sans-Serif; margin-top: 1.1pt; margin-bottom: 1.1pt"><FONT STYLE="font: bold 8pt Arial, Helvetica, Sans-Serif; color: #296DC1"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; white-space: pre-wrap; font-size: 8pt">ISIN:</font></FONT></P>
                        </TD>
                        <TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; padding: 0pt 5.94pt">
                            <P STYLE="font: 8pt/9pt Arial, Helvetica, Sans-Serif; margin-top: 1.1pt; margin-bottom: 1.1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; white-space: pre-wrap; font-size: 8pt">US61779PE500</font></FONT></P>
                        </TD>
                    </TR>
                    <TR STYLE="font: 8pt Arial, Helvetica, Sans-Serif; vertical-align: top; min-height: 1.1pt">
                        <TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; padding: 0pt 5.94pt; background-color: #DCEBF4">
                            <P STYLE="font: 8pt/9pt Arial, Helvetica, Sans-Serif; margin-top: 1.1pt; margin-bottom: 1.1pt"><FONT STYLE="font: bold 8pt Arial, Helvetica, Sans-Serif; color: #296DC1"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; white-space: pre-wrap; font-size: 8pt">Listing:</font></FONT></P>
                        </TD>
                        <TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; padding: 0pt 5.94pt; background-color: #DCEBF4">
                            <P STYLE="font: 8pt/9pt Arial, Helvetica, Sans-Serif; margin-top: 1.1pt; margin-bottom: 1.1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; white-space: pre-wrap; font-size: 8pt">The securities will not be listed on any securities exchange.</font></FONT></P>
                        </TD>
                    </TR>
                </TABLE>
            </DIV>
            <DIV style="width: 594.00pt; padding: 0 39.60pt 15.84pt 39.60pt; min-height: 23.76pt; position: relative; ">
                <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; text-align: center; "><FONT style="font-family: Arial, sans-serif; color: #296DC1; font-size: 8.5pt; width: 507.87pt; display: inline-block; ">&nbsp;</FONT><FONT style="font-family: Arial, sans-serif; color: #296DC1; font-size: 8.5pt; "><font style='white-space: pre-wrap;'>Page </font><FONT>2</FONT></FONT></P>
            </DIV>
        </DIV>
        <DIV style="page-break-after: always; border-bottom: 1pt solid black; ">
            <P></P>
        </DIV>
        <DIV style="margin: auto; width: 673.20pt; padding: 36pt 0; ">
            <DIV style="width: 594.00pt; padding: 23.76pt 39.60pt 0 39.60pt; min-height: 15.84pt; position: relative; ">
                <P style="text-align: right; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; color: #7A797F; font-size: 18.0pt; "><font style='white-space: pre-wrap;'>Morgan Stanley Finance LLC</font></FONT></P>
                <TABLE width="594.00pt" style="margin-left: auto; width: 594.00pt; table-layout: fixed; border-collapse: collapse; margin-right: auto; ">
                    <TR>
                        <TD width="594.00pt" style="width: 594.00pt; 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; border-top:  0.25pt solid #296DC1; border-bottom:  0.25pt solid #296DC1; ">
                            <P style="padding-left: 0.0pt; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 11.0pt; color: #296DC1; "><font style='white-space: pre-wrap;'>Buffered PLUS</font></FONT></P>
                            <P style="padding-left: 0.0pt; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #7A797F; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>Principal at Risk Securities</font></FONT></P>
                        </TD>
                    </TR>
                </TABLE>
                <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 12.0pt; ">&nbsp;</FONT></P>
            </DIV>
            <DIV style="width: 594.00pt; padding: 10pt 39.60pt 10pt 39.60pt; position: relative; margin-bottom: 20pt; ">
                <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; "><FONT style="font-family: Arial, sans-serif; color: #296DC1; font-size: 16.0pt; "><font style='white-space: pre-wrap;'>Estimated Value of the Securities</font></FONT></P>
                <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 11.0pt; "><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>The original issue price of each security is $1,000. This price includes costs associated with issuing, selling, structuring and hedging the securities, which are borne by you, and, consequently, the estimated value of the securities on the pricing date is less than $1,000. Our estimate of the value of the securities as determined on the pricing date is set forth on the cover of this document.</font></FONT></P>
                <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 11.0pt; "><FONT style="font-style: italic; font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>What goes into the estimated value on the pricing date?</font></FONT></P>
                <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 11.0pt; "><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>In valuing the securities on the pricing date, we take into account that the securities comprise both a debt component and a performance-based component linked to the basket components. The estimated value of the securities is determined using our own pricing and valuation models, market inputs and assumptions relating to the basket components, instruments based on the basket components, 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="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 11.0pt; "><FONT style="font-style: italic; font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>What determines the economic terms of the securities?</font></FONT></P>
                <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 11.0pt; "><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>In determining the economic terms of the securities, 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 of the economic terms of the securities would be more favorable to you.</font></FONT></P>
                <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 11.0pt; "><FONT style="font-style: italic; font-size: 9.0pt; font-family: Arial, sans-serif; "><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 securities?</font></FONT></P>
                <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 11.0pt; "><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>The price at which MS &amp; Co. purchases the securities in the secondary market, absent changes in market conditions, including those related to the basket components, 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 securities are not fully deducted upon issuance, to the extent that MS &amp; Co. may buy or sell the securities in the secondary market during the amortization period specified herein, absent changes in market conditions, including those related to the basket components, 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="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 11.0pt; "><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>MS &amp; Co. may, but is not obligated to, make a market in the securities, and, if it once chooses to make a market, may cease doing so at any time.</font></FONT></P>
            </DIV>
            <DIV style="width: 594.00pt; padding: 0 39.60pt 15.84pt 39.60pt; min-height: 23.76pt; position: relative; ">
                <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; text-align: center; "><FONT style="font-family: Arial, sans-serif; color: #296DC1; font-size: 8.5pt; width: 507.87pt; display: inline-block; ">&nbsp;</FONT><FONT style="font-family: Arial, sans-serif; color: #296DC1; font-size: 8.5pt; "><font style='white-space: pre-wrap;'>Page </font><FONT>3</FONT></FONT></P>
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        </DIV>
        <DIV style="page-break-after: always; border-bottom: 1pt solid black; ">
            <P></P>
        </DIV>
        <DIV style="margin: auto; width: 673.20pt; padding: 36pt 0; ">
            <DIV style="width: 594.00pt; padding: 23.76pt 39.60pt 0 39.60pt; min-height: 15.84pt; position: relative; ">
                <P style="text-align: right; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; color: #7A797F; font-size: 18.0pt; "><font style='white-space: pre-wrap;'>Morgan Stanley Finance LLC</font></FONT></P>
                <TABLE width="594.00pt" style="margin-left: auto; width: 594.00pt; table-layout: fixed; border-collapse: collapse; margin-right: auto; ">
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                        <TD width="594.00pt" style="width: 594.00pt; 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; border-top:  0.25pt solid #296DC1; border-bottom:  0.25pt solid #296DC1; ">
                            <P style="padding-left: 0.0pt; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 11.0pt; color: #296DC1; "><font style='white-space: pre-wrap;'>Buffered PLUS</font></FONT></P>
                            <P style="padding-left: 0.0pt; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #7A797F; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>Principal at Risk Securities</font></FONT></P>
                        </TD>
                    </TR>
                </TABLE>
                <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 12.0pt; ">&nbsp;</FONT></P>
            </DIV>
            <DIV style="width: 594.00pt; padding: 10pt 39.60pt 10pt 39.60pt; position: relative; margin-bottom: 20pt; ">
                <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; "><FONT style="font-family: Arial, sans-serif; color: #296DC1; font-size: 16.0pt; "><font style='white-space: pre-wrap;'>Hypothetical Examples</font></FONT></P>
                <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 11.0pt; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #296DC1; font-size: 10.5pt; "><font style='white-space: pre-wrap;'>Hypothetical Payoff </font></FONT><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #296DC1; font-size: 10.5pt; "><font style='white-space: pre-wrap;'>Diagram</font></FONT><FONT style="font-size: 8.0pt; font-family: Times New Roman, Times, serif; "></FONT><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #296DC1; font-size: 10.5pt; width: 0.82pt; display: inline-block; ">&nbsp;</FONT><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #296DC1; font-size: 10.5pt; "></FONT></P>
                <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 11.0pt; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>The payoff diagram below illustrates the payment at maturity for a range of hypothetical performances of the underlier over the term of the securities, based on the following terms:</font></FONT></P>
                <TABLE width="475.20pt" style="margin-left: auto; width: 475.20pt; table-layout: fixed; border-collapse: collapse; margin-right: auto; ">
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                        <TD width="158.40pt" style="width: 158.40pt; border: 0; margin: 0; padding: 0; height: 0; ">
                        </TD>
                        <TD width="316.80pt" style="width: 316.80pt; border: 0; margin: 0; padding: 0; height: 0; ">
                        </TD>
                        <TD width="0.00pt" style="width: 0.00pt; border: 0; margin: 0; padding: 0; height: 0; ">
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; min-height: 1.10pt; ">
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; ">
                            <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 11.0pt; "><FONT style="font-weight: bold; font-size: 9.0pt; color: #306DC1; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>Stated principal amount:</font></FONT></P>
                        </TD>
                        <TD colspan="2" style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; ">
                            <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 11.0pt; "><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>$1,000 per security</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; min-height: 1.10pt; ">
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; ">
                            <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 11.0pt; "><FONT style="font-weight: bold; font-size: 9.0pt; color: #306DC1; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>Leverage factor:</font></FONT></P>
                        </TD>
                        <TD colspan="2" style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; ">
                            <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 11.0pt; "><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>150%</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; min-height: 1.10pt; ">
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; ">
                            <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 11.0pt; "><FONT style="font-weight: bold; font-size: 9.0pt; color: #306DC1; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>Maximum payment at maturity:</font></FONT><FONT style="color: #306DC1; font-family: Arial, sans-serif; font-size: 9.5pt; "><font style='white-space: pre-wrap;'> </font></FONT></P>
                        </TD>
                        <TD colspan="2" style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; ">
                            <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 11.0pt; "><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>$1,250 per security (125% of the stated principal amount)</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; min-height: 1.10pt; ">
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; ">
                            <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 11.0pt; "><FONT style="font-weight: bold; font-size: 9.0pt; color: #306DC1; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>Buffer level:</font></FONT></P>
                        </TD>
                        <TD colspan="2" style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; ">
                            <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 11.0pt; "><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>95% of the initial level</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; min-height: 1.10pt; ">
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; ">
                            <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 11.0pt; "><FONT style="font-weight: bold; font-size: 9.0pt; color: #306DC1; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>Buffer amount:</font></FONT></P>
                        </TD>
                        <TD colspan="2" style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; ">
                            <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 11.0pt; "><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>5%</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; min-height: 1.10pt; ">
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; ">
                            <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 11.0pt; "><FONT style="font-weight: bold; font-size: 9.0pt; color: #306DC1; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>Minimum payment at maturity:</font></FONT></P>
                        </TD>
                        <TD colspan="2" style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; ">
                            <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 11.0pt; "><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>5% of the stated principal amount</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; min-height: 1.10pt; ">
                        <TD colspan="2" style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; background-color: #DCEBF4; ">
                            <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 11.0pt; text-align: center; "><FONT style="font-weight: bold; font-size: 9.0pt; color: #306DC1; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>Hypothetical Payoff Diagram</font></FONT></P>
                        </TD>
                        <TD>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; min-height: 1.10pt; ">
                        <TD colspan="2" style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; ">
                            <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; text-align: center; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 12.0pt; ">                                    <IMG width="358.05pt" height="270.60pt" src="image1.gif" style="width: 358.05pt; height: 270.60pt; ">
                                    </FONT></P>
&nbsp;
                        </TD>
                        <TD>
                        </TD>
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                <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 11.0pt; margin-left: 19.64pt; text-indent: -19.64pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.64pt; text-indent: -19.64pt; "><![endif]--><FONT style="display: inline-block; width: 19.64pt; text-indent: 0; text-align: left; color: #A3C4EB; font-size: 12.0pt; ">&#65517;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-weight: bold; color: #296DC1; font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>Upside Scenario. </font></FONT><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>If the final level is </font></FONT><FONT style="font-weight: bold; font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>greater than</font></FONT><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'> the initial level, investors will receive the stated principal amount </font></FONT><FONT style="font-style: italic; font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>plus</font></FONT><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'> 150% of the appreciation of the underlier over the term of the securities, subject to the maximum payment at maturity.</font></FONT></FONT></P>
                <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 11.0pt; margin-left: 59.40pt; 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-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>If the underlier appreciates 10%, investors will receive $1,150 per security, or 115% of the stated principal amount.</font></FONT></FONT></P>
                <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 11.0pt; margin-left: 59.40pt; 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-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>If the underlier appreciates 100%, investors will receive only the maximum payment at maturity of $1,250 per security, or 125% of the stated principal amount. </font></FONT></FONT></P>
                <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 11.0pt; 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: #A3C4EB; font-size: 12.0pt; ">&#65517;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-weight: bold; color: #296DC1; font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>Par Scenario.</font></FONT><FONT style="font-weight: bold; font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'> </font></FONT><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>If the final level is </font></FONT><FONT style="font-weight: bold; font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>equal to or less than</font></FONT><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'> the initial level but is </font></FONT><FONT style="font-weight: bold; font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>greater than or equal to</font></FONT><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'> the buffer level, investors will receive the stated principal amount.</font></FONT></FONT></P>
                <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 11.0pt; margin-left: 59.40pt; 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-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>If the underlier depreciates 3%, investors will receive $1,000 per security.</font></FONT></FONT></P>
                <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 11.0pt; 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: #A3C4EB; font-size: 12.0pt; ">&#65517;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-weight: bold; color: #296DC1; font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>Downside Scenario.</font></FONT><FONT style="font-weight: bold; font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'> </font></FONT><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>If the final level is </font></FONT><FONT style="font-weight: bold; font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>less than</font></FONT><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'> the buffer level, investors will receive an amount that is less, and may be significantly less, than the stated principal amount, based on a 1% loss of principal for each 1% decline in the level of the underlier beyond the buffer amount. </font></FONT></FONT></P>
                <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 11.0pt; margin-left: 59.40pt; 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-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>If the underlier depreciates 85%, investors will lose 80% of their principal and receive only $200 per security at maturity, or 20% of the stated principal amount.</font></FONT></FONT></P>
            </DIV>
            <DIV style="width: 594.00pt; padding: 0 39.60pt 15.84pt 39.60pt; min-height: 23.76pt; position: relative; ">
                <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; text-align: center; "><FONT style="font-family: Arial, sans-serif; color: #296DC1; font-size: 8.5pt; width: 507.87pt; display: inline-block; ">&nbsp;</FONT><FONT style="font-family: Arial, sans-serif; color: #296DC1; font-size: 8.5pt; "><font style='white-space: pre-wrap;'>Page </font><FONT>4</FONT></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: 594.00pt; padding: 23.76pt 39.60pt 0 39.60pt; min-height: 15.84pt; position: relative; ">
                <P style="text-align: right; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; color: #7A797F; font-size: 18.0pt; "><font style='white-space: pre-wrap;'>Morgan Stanley Finance LLC</font></FONT></P>
                <TABLE width="594.00pt" style="margin-left: auto; width: 594.00pt; table-layout: fixed; border-collapse: collapse; margin-right: auto; ">
                    <TR>
                        <TD width="594.00pt" style="width: 594.00pt; 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; border-top:  0.25pt solid #296DC1; border-bottom:  0.25pt solid #296DC1; ">
                            <P style="padding-left: 0.0pt; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 11.0pt; color: #296DC1; "><font style='white-space: pre-wrap;'>Buffered PLUS</font></FONT></P>
                            <P style="padding-left: 0.0pt; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #7A797F; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>Principal at Risk Securities</font></FONT></P>
                        </TD>
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                <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 12.0pt; ">&nbsp;</FONT></P>
            </DIV>
            <DIV style="width: 594.00pt; padding: 10pt 39.60pt 10pt 39.60pt; position: relative; margin-bottom: 20pt; ">
                <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; "><FONT style="font-family: Arial, sans-serif; color: #296DC1; font-size: 16.0pt; "><font style='white-space: pre-wrap;'>Risk Factors</font></FONT></P>
                <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 11.0pt; "><FONT style="font-family: Arial, sans-serif; font-style: italic; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>This section describes the material risks relating to the securities. 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. We also urge you to consult with your investment, legal, tax, accounting and other advisers in connection with your investment in the securities.</font></FONT></P>
                <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; color: #296DC1; text-decoration-style: solid; text-decoration-line: underline; font-size: 12.0pt; "><U><font style='white-space: pre-wrap;'>Risks Relating to an Investment in the </font></U><U><font style='white-space: pre-wrap;'>Securities</font></U></FONT></P>
                <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 11.0pt; 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: #A3C4EB; font-size: 12.0pt; ">&#65517;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>The securities provide for only the minimum payment at maturity and do not pay interest.</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> The terms of the securities differ from those of ordinary debt securities in that they provide for only the minimum payment at maturity and do not pay interest. If the final level is </font></FONT><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>less than </font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>the buffer level, the payout at maturity will be an amount in cash that is less than the stated principal amount of each security, and you will lose an amount proportionate to the full decline in the level of the underlier over the term of the securities beyond the buffer amount. </font></FONT><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 9.0pt; background-color: #FFFFFF; "><font style='white-space: pre-wrap;'>You </font></FONT><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>could lose a significant portion of your initial investment in the securities.</font></FONT></FONT></P>
                <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 11.0pt; 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: #A3C4EB; font-size: 12.0pt; ">&#65517;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>The appreciation potential of the securities is limited by the maximum payment at maturity. </font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Where the final level is greater than the initial level, the appreciation potential of the securities is limited by the maximum payment at maturity. Although the leverage factor provides enhanced exposure to any increase in the final level over the initial level, if the underlier appreciates over the term of the securities, under no circumstances will the payment at maturity exceed the maximum payment at maturity. </font></FONT></FONT></P>
                <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 11.0pt; 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: #A3C4EB; font-size: 12.0pt; ">&#65517;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-weight: bold; font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>The amount payable on the securities is not linked to the value of the underlier at any time other than the observation date. </font></FONT><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>The final level will be based on the closing level of the underlier on the observation date, subject to postponement for non-trading days and certain market disruption events. Even if the value of the underlier appreciates prior to the observation date but then drops by the observation date, the payment at maturity may be less, and may be significantly less, than it would have been had the payment at maturity been linked to the value of the underlier prior to such drop. Although the actual value of the underlier on the stated maturity date or at other times during the term of the securities may be higher than the closing level of the underlier on the observation date, the payment at maturity will be based solely on the closing level of the underlier on the observation date.</font></FONT></FONT></P>
                <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 11.0pt; 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: #A3C4EB; font-size: 12.0pt; ">&#65517;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-weight: bold; font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>The market price of the securities may be influenced by many unpredictable factors. </font></FONT><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>Several factors, many of which are beyond our control, will influence the value of the securities in the secondary market and the price at which MS &amp; Co. may be willing to purchase or sell the securities in the secondary market. We expect that generally the value of the basket components at any time will affect the value of the securities more than any other single factor. Other factors that may influence the value of the securities include:</font></FONT></FONT></P>
                <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 11.0pt; margin-left: 59.40pt; 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-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>the volatility (frequency and magnitude of changes in value) of the underlier;</font></FONT></FONT></P>
                <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 11.0pt; margin-left: 59.40pt; 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-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>interest and yield rates in the market;</font></FONT></FONT></P>
                <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 11.0pt; margin-left: 59.40pt; 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-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>dividend rates on a basket fund;</font></FONT></FONT></P>
                <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 11.0pt; margin-left: 59.40pt; 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-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>the relative performance of each basket component;</font></FONT></FONT></P>
                <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 11.0pt; margin-left: 59.40pt; 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-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>geopolitical conditions and economic, financial, political, regulatory or judicial events that affect the basket components or equity markets generally;</font></FONT></FONT></P>
                <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 11.0pt; margin-left: 59.40pt; 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-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>the availability of comparable instruments;</font></FONT></FONT></P>
                <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 11.0pt; margin-left: 59.40pt; 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-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>the occurrence of certain events affecting a basket fund that may or may not require an adjustment to an adjustment factor;</font></FONT></FONT></P>
                <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 11.0pt; margin-left: 59.40pt; 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-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>the composition of a basket component and changes in the component securities of a basket component;</font></FONT></FONT></P>
                <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 11.0pt; margin-left: 59.40pt; 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-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>the time remaining until the securities mature; and</font></FONT></FONT></P>
                <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 11.0pt; margin-left: 59.40pt; 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-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>any actual or anticipated changes in our credit ratings or credit spreads.</font></FONT></FONT></P>
                <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 11.0pt; padding-left: 19.8pt; "><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>Some or all of these factors will influence the price that you will receive if you sell your securities prior to maturity. Generally, the longer the time remaining to maturity, the more the market price of the securities will be affected by the other factors described above. For example, you may have to sell your securities at a substantial discount from the stated principal amount if, at the time of sale, the closing level of the underlier is at, below or not sufficiently above the buffer level, or if market interest rates rise.</font></FONT></P>
                <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 11.0pt; padding-left: 19.8pt; "><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>You can review the historical basket component closing levels of the basket components in the section of this document called &#8220;Historical Information.&#8221; You cannot predict the future performance of the underlier&#160;based on its historical performance. The values of the basket components may be, and have recently been, volatile, and we can give you no assurance that the volatility will lessen. There can be no assurance that the final level will be </font></FONT><FONT style="font-weight: bold; font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>greater than or equal to</font></FONT><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'> the buffer level so that you do not suffer a loss on your initial investment in the securities.</font></FONT></P>
                <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 11.0pt; 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: #A3C4EB; font-size: 12.0pt; ">&#65517;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-weight: bold; font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>The securities are subject to our credit risk, and any actual or anticipated changes to our credit ratings or credit spreads may adversely affect the market value of the securities. </font></FONT><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>You are dependent on our ability to pay all amounts due on the securities, and, therefore, you are subject to our credit risk. The securities are not guaranteed by any other entity. If we default on our obligations under the securities, your investment would be at risk and you could lose some or all of your investment. As a result, the market value of the securities prior to maturity will be affected by changes in the market&#8217;s view of our creditworthiness. </font></FONT></FONT></P>
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            <DIV style="width: 594.00pt; padding: 0 39.60pt 15.84pt 39.60pt; min-height: 23.76pt; position: relative; ">
                <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; text-align: center; "><FONT style="font-family: Arial, sans-serif; color: #296DC1; font-size: 8.5pt; width: 507.87pt; display: inline-block; ">&nbsp;</FONT><FONT style="font-family: Arial, sans-serif; color: #296DC1; font-size: 8.5pt; "><font style='white-space: pre-wrap;'>Page </font><FONT>5</FONT></FONT></P>
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            <DIV style="width: 594.00pt; padding: 23.76pt 39.60pt 0 39.60pt; min-height: 15.84pt; position: relative; ">
                <P style="text-align: right; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; color: #7A797F; font-size: 18.0pt; "><font style='white-space: pre-wrap;'>Morgan Stanley Finance LLC</font></FONT></P>
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                            <P style="padding-left: 0.0pt; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 11.0pt; color: #296DC1; "><font style='white-space: pre-wrap;'>Buffered PLUS</font></FONT></P>
                            <P style="padding-left: 0.0pt; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #7A797F; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>Principal at Risk Securities</font></FONT></P>
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                <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 12.0pt; ">&nbsp;</FONT></P>
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            <DIV style="width: 594.00pt; padding: 10pt 39.60pt 10pt 39.60pt; position: relative; margin-bottom: 20pt; ">
                <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 11.0pt; margin-left: 19.80pt; "><FONT><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>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 securities.</font></FONT></FONT></P>
                <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 11.0pt; 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: #A3C4EB; font-size: 12.0pt; ">&#65517;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-weight: bold; font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>As a finance subsidiary, MSFL has no independent operations and will have no independent assets. </font></FONT><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; "><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</font></FONT><FONT style="font-style: italic; font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'> pari passu </font></FONT><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>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</font></FONT><FONT style="font-style: italic; font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'> pari passu </font></FONT><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>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: 6.6pt; margin-bottom: 6.6pt; line-height: 11.0pt; 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: #A3C4EB; font-size: 12.0pt; ">&#65517;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-weight: bold; font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>The 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. Both the lower rate and the inclusion of costs associated with issuing, selling, structuring and hedging the securities in the original issue price reduce the economic terms of the securities, cause the estimated value of the securities to be less than the original issue price and will adversely affect secondary market prices. </font></FONT><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>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 securities 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.</font></FONT></FONT></P>
                <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 11.0pt; padding-left: 19.8pt; "><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>The inclusion of the costs of issuing, selling, structuring and hedging the securities in the original issue price and the lower rate we are willing to pay as issuer make the economic terms of the securities less favorable to you than they otherwise would be.</font></FONT></P>
                <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 11.0pt; padding-left: 19.8pt; "><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>However, because the costs associated with issuing, selling, structuring and hedging the securities are not fully deducted upon issuance, to the extent that MS &amp; Co. may buy or sell the securities in the secondary market during the amortization period specified herein, absent changes in market conditions, including those related to the basket components, 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></P>
                <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 11.0pt; 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: #A3C4EB; font-size: 12.0pt; ">&#65517;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-weight: bold; font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>The estimated value of the securities 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-size: 9.0pt; font-family: Arial, sans-serif; "><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 securities than those generated by others, including other dealers in the market, if they attempted to value the securities. 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 securities in the secondary market (if any exists) at any time. The value of your securities 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 market price of the securities may be influenced by many unpredictable factors&#8221; above.</font></FONT></FONT></P>
                <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 11.0pt; 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: #A3C4EB; font-size: 12.0pt; ">&#65517;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-weight: bold; font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>The securities will not be listed on any securities exchange and secondary trading may be limited. </font></FONT><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>The securities will not be listed on any securities exchange. Therefore, there may be little or no secondary market for the securities. MS &amp; Co. may, but is not obligated to, make a market in the securities and, if it once chooses to make a market, may cease doing so at any time. When it does make a market, it will generally do so for transactions of routine secondary market size at prices based on its estimate of the current value of the securities, taking into account its bid/offer spread, our credit spreads, market volatility, the notional size of the proposed sale, the cost of unwinding any related hedging positions, the time remaining to maturity and the likelihood that it will be able to resell the securities. Even if there is a secondary market, it may not provide enough liquidity to allow you to trade or sell the securities easily. Since other broker-dealers may not participate significantly in the secondary market for the securities, the price at which you may be able to trade your securities is likely to depend on the price, if any, at which MS &amp; Co. is willing to transact. If, at any time, MS &amp; Co. were to cease making a market in the securities, it is likely that there would be no secondary market for the securities. Accordingly, you should be willing to hold your securities to maturity.</font></FONT></FONT></P>
                <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 11.0pt; 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: #A3C4EB; font-size: 12.0pt; ">&#65517;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-weight: bold; font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>As discussed in more detail in the accompanying product supplement, investing in the securities is not equivalent to investing in the basket components.</font></FONT></FONT></P>
                <P style="margin-top: 6.6pt; line-height: 11.5pt; 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: #A3C4EB; font-size: 12.0pt; ">&#65517;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>The U.S. federal income tax consequences of an investment in the securities are uncertain. </font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>There is no direct legal authority regarding the proper U.S. federal income tax treatment of the securities, and significant aspects of the tax treatment of the securities are uncertain. Moreover, the securities may be subject to the &#8220;constructive ownership&#8221; regime, in which case certain adverse tax consequences may apply upon your disposition of a security. You should review carefully the section entitled &#8220;United States Federal Income Tax Considerations&#8221; herein, in combination with the section entitled &#8220;United States Federal Income Tax </font></FONT></FONT></P>
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                <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; text-align: center; "><FONT style="font-family: Arial, sans-serif; color: #296DC1; font-size: 8.5pt; width: 507.87pt; display: inline-block; ">&nbsp;</FONT><FONT style="font-family: Arial, sans-serif; color: #296DC1; font-size: 8.5pt; "><font style='white-space: pre-wrap;'>Page </font><FONT>6</FONT></FONT></P>
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            <DIV style="width: 594.00pt; padding: 23.76pt 39.60pt 0 39.60pt; min-height: 15.84pt; position: relative; ">
                <P style="text-align: right; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; color: #7A797F; font-size: 18.0pt; "><font style='white-space: pre-wrap;'>Morgan Stanley Finance LLC</font></FONT></P>
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                            <P style="padding-left: 0.0pt; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 11.0pt; color: #296DC1; "><font style='white-space: pre-wrap;'>Buffered PLUS</font></FONT></P>
                            <P style="padding-left: 0.0pt; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #7A797F; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>Principal at Risk Securities</font></FONT></P>
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                <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 12.0pt; ">&nbsp;</FONT></P>
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            <DIV style="width: 594.00pt; padding: 10pt 39.60pt 10pt 39.60pt; position: relative; margin-bottom: 20pt; ">
                <P style="margin-top: 6.6pt; line-height: 11.5pt; margin-bottom: 0; margin-left: 19.80pt; "><FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Considerations&#8221; in the accompanying product supplement, and consult your tax adviser regarding the U.S. federal income tax consequences of an investment in the securities.</font></FONT></FONT></P>
                <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; "><FONT style="font-family: Arial, sans-serif; color: #296DC1; text-decoration-style: solid; text-decoration-line: underline; font-size: 12.0pt; "><U><font style='white-space: pre-wrap;'>Risks Relating to the Underlier(s)</font></U></FONT></P>
                <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 11.0pt; 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: #A3C4EB; font-size: 12.0pt; background-color: #FFFFFF; ">&#65517;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-style: italic; font-size: 9.0pt; background-color: #FFFFFF; "><font style='white-space: pre-wrap;'>Because your return on the securities will depend upon the performance of the underlier(s), the securities are subject to the following risk(s), as discussed in more detail in the accompanying product supplement.</font></FONT></FONT></P>
                <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 11.0pt; margin-left: 59.40pt; 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-weight: bold; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Changes in the value of one or more of the basket components may offset each other.</font></FONT></FONT></P>
                <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 11.0pt; margin-left: 59.40pt; 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-weight: bold; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>The anti-dilution adjustments the calculation agent is required to make do not cover every event that could affect a basket fund.</font></FONT></FONT></P>
                <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 11.0pt; margin-left: 59.40pt; 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-weight: bold; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Adjustments to a basket fund or the index tracked by such basket fund could adversely affect the value of the securities.</font></FONT></FONT></P>
                <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 11.0pt; margin-left: 59.40pt; 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-weight: bold; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>The performance and market price of a basket fund, particularly during periods of market volatility, may not correlate with the performance of its share underlying index, the performance of the component securities of its share underlying index or the net asset value per share of such basket fund.</font></FONT></FONT></P>
                <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 11.0pt; margin-left: 59.40pt; 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-weight: bold; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Adjustments to a basket index could adversely affect the value of the securities.</font></FONT></FONT></P>
                <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 11.0pt; margin-left: 59.40pt; 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-weight: bold; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>There are risks associated with investments in securities linked to the value of foreign equity securities.</font></FONT></FONT></P>
                <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 11.0pt; margin-left: 59.40pt; 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-weight: bold; font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>There are risks associated with investments in securities linked to the value of emerging markets securities.</font></FONT></FONT></P>
                <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 11.0pt; margin-left: 59.40pt; 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-weight: bold; font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>Securities linked to certain underliers are subject to currency exchange risk.</font></FONT></FONT></P>
                <P style="margin-top: 6.6pt; line-height: 11.0pt; 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: #A3C4EB; font-size: 12.0pt; ">&#65517;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-weight: bold; font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>The securities are subject to risks associated with small-capitalization companies.</font></FONT><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'> The Russell 2000</font></FONT><FONT style="font-size: 7pt; vertical-align: super; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'> Index consists of stocks issued by companies with relatively small market capitalization. These companies often have greater stock price volatility, lower trading volume and less liquidity than large-capitalization companies and therefore the Russell 2000</font></FONT><FONT style="font-size: 7pt; vertical-align: super; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'> Index may be more volatile than indices that consist of stocks issued by large-capitalization companies. Stock prices of small-capitalization companies are also more vulnerable than those of large-capitalization companies to adverse business and economic developments, and the stocks of small-capitalization companies may be thinly traded. In addition, small capitalization companies are typically less well-established and less stable financially than large-capitalization companies and may depend on a small number of key personnel, making them more vulnerable to loss of personnel. Such companies tend to have smaller revenues, less diverse product lines, smaller shares of their product or service markets, fewer financial resources and less competitive strengths than large-capitalization companies and are more susceptible to adverse developments related to their products.</font></FONT></FONT></P>
                <P style="margin-top: 6.6pt; line-height: 11.5pt; 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: #A3C4EB; font-size: 12.0pt; ">&#65517;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-weight: bold; font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>The securities are subject to risks associated with mid-capitalization companies.</font></FONT><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'> The S&amp;P MidCap 400</font></FONT><FONT style="font-size: 7pt; vertical-align: super; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'> Index consists of stocks issued by companies that are considered mid-capitalization companies. These companies often have greater stock price volatility, lower trading volume and less liquidity than large-capitalization companies and therefore the S&amp;P MidCap 400</font></FONT><FONT style="font-size: 7pt; vertical-align: super; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'> Index may be more volatile than indices that consist of stocks issued by large-capitalization companies. Stock prices of mid-capitalization companies are also more vulnerable than those of large-capitalization companies to adverse business and economic developments. In addition, mid-capitalization companies are typically less well-established and less stable financially than large-capitalization companies and may depend on a small number of key personnel, making them more vulnerable to loss of personnel. Such companies tend to have smaller revenues, less diverse product lines, smaller shares of their product or service markets, fewer financial resources and less competitive strengths than large-capitalization companies and are more susceptible to adverse developments related to their products.</font></FONT></FONT></P>
                <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; "><FONT style="font-family: Arial, sans-serif; color: #296DC1; text-decoration-style: solid; text-decoration-line: underline; background-color: #FFFFFF; font-size: 12.0pt; "><U><font style='white-space: pre-wrap;'>Risks Relating to Conflicts of Interest</font></U></FONT></P>
                <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; "><FONT style="font-family: Arial, sans-serif; font-style: italic; font-size: 9.0pt; background-color: #FFFFFF; "><font style='white-space: pre-wrap;'>In engaging in certain activities described below and as discussed in more detail in the accompanying product supplement, our affiliates may take actions that may adversely affect the value of and your return on the securities, and in so doing they will have no obligation to consider your interests as an investor in the securities.</font></FONT></P>
                <P style="margin-top: 6.6pt; margin-bottom: 3.3pt; line-height: 11.0pt; 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: #A3C4EB; font-size: 12.0pt; background-color: #FFFFFF; ">&#65517;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 9.0pt; background-color: #FFFFFF; "><font style='white-space: pre-wrap;'>The calculation agent, which is a subsidiary of Morgan Stanley and an affiliate of MSFL, will make determinations with respect to the securities. </font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; background-color: #FFFFFF; "><font style='white-space: pre-wrap;'>As calculation agent, MS &amp; Co. will make any determinations necessary to calculate any payment(s) on the securities. Moreover, certain determinations made by MS &amp; Co., in its capacity as calculation agent, may require it to exercise discretion and make subjective judgments, which may adversely affect your return on the securities. In addition, MS &amp; Co. has determined the estimated value of the securities on the pricing date.</font></FONT></FONT></P>
                <P style="margin-top: 6.6pt; margin-bottom: 3.3pt; line-height: 11.0pt; 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: #A3C4EB; font-size: 12.0pt; background-color: #FFFFFF; ">&#65517;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 9.0pt; background-color: #FFFFFF; "><font style='white-space: pre-wrap;'>Hedging and trading activity by our affiliates could potentially adversely affect the value of the securities.</font></FONT></FONT></P>
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                <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; text-align: center; "><FONT style="font-family: Arial, sans-serif; color: #296DC1; font-size: 8.5pt; width: 507.87pt; display: inline-block; ">&nbsp;</FONT><FONT style="font-family: Arial, sans-serif; color: #296DC1; font-size: 8.5pt; "><font style='white-space: pre-wrap;'>Page </font><FONT>7</FONT></FONT></P>
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                <P style="text-align: right; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; color: #7A797F; font-size: 18.0pt; "><font style='white-space: pre-wrap;'>Morgan Stanley Finance LLC</font></FONT></P>
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                            <P style="padding-left: 0.0pt; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 11.0pt; color: #296DC1; "><font style='white-space: pre-wrap;'>Buffered PLUS</font></FONT></P>
                            <P style="padding-left: 0.0pt; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #7A797F; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>Principal at Risk Securities</font></FONT></P>
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                <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 12.0pt; ">&nbsp;</FONT></P>
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            <DIV style="width: 594.00pt; padding: 10pt 39.60pt 10pt 39.60pt; position: relative; margin-bottom: 20pt; ">
                <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; "><FONT style="font-family: Arial, sans-serif; color: #296DC1; font-size: 16.0pt; "><font style='white-space: pre-wrap;'>Historical Information</font></FONT></P>
                <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #296DC1; font-size: 12.0pt; "><font style='white-space: pre-wrap;'>Underlier Overview</font></FONT></P>
                <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 11.0pt; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>The underlier is an underlying basket consisting of the basket components. The weighting of each basket component within the underlier is specified on the cover of this document. </font></FONT><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>The actual performance of the underlier and the basket components over the term of the securities may bear little relation to the historical performance of the underlier and the basket components presented in this document. </font></FONT></P>
                <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 11.0pt; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>The following graph is calculated based on an initial level of the underlier of 100 on January 1, 2020 (assuming that each basket component is weighted as described in &#8220;Underlier&#8221; on the cover of this document) and illustrates the effect of the offset and/or correlation among the basket components during such period. The following graph does not take into account the terms of the securities, nor does it attempt to show in any way your expected return on an investment in the securities. The historical performance of the underlier should not be taken as an indication of its future performance.</font></FONT></P>
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                            <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; text-align: center; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #306DC1; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>January 1, 2020 to October 31, 2025</font></FONT></P>
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                <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; text-align: center; "><FONT style="font-family: Arial, sans-serif; color: #296DC1; font-size: 8.5pt; width: 507.87pt; display: inline-block; ">&nbsp;</FONT><FONT style="font-family: Arial, sans-serif; color: #296DC1; font-size: 8.5pt; "><font style='white-space: pre-wrap;'>Page </font><FONT>8</FONT></FONT></P>
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                            <P style="padding-left: 0.0pt; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #7A797F; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>Principal at Risk Securities</font></FONT></P>
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                <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #296DC1; font-size: 12.0pt; "><font style='white-space: pre-wrap;'>iShares</font></FONT><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #296DC1; vertical-align: super; font-size: 10pt; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #296DC1; font-size: 12.0pt; "><font style='white-space: pre-wrap;'> MSCI EAFE ETF Overview</font></FONT></P>
                <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 12.0pt; padding-left: 0.0pt; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #7A797F; font-size: 10.0pt; "><font style='white-space: pre-wrap;'>Bloomberg Ticker Symbol: EFA UP</font></FONT></P>
                <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 11.0pt; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>The iShares</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 7pt; vertical-align: super; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> MSCI EAFE ETF is an exchange-traded fund that</font></FONT><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> seeks investment results that correspond generally to the price and yield performance, before fees and expenses, of its share underlying index, which is the MSCI EAFE</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;'> Index. </font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>The basket fund manager with respect to the iShares</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 7pt; vertical-align: super; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> MSCI EAFE ETF is iShares Trust, which is a registered investment company. </font></FONT><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>It is possible that the basket component may not fully replicate the performance of its share underlying index due to the temporary unavailability of certain securities in the secondary market or due to other extraordinary circumstances. Information provided to or filed with the Securities and Exchange Commission by the basket fund manager pursuant to the Securities Act of 1933 and the Investment Company Act of 1940 can be located by reference to Securities and Exchange Commission file numbers </font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>333-92935</font></FONT><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> and </font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>811-09729,</font></FONT><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> respectively, through the Securities and Exchange Commission&#8217;s website at </font></FONT><FONT style="word-break: break-all; "><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>www.sec.gov</font></FONT></FONT><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>. </font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; background-color: #FFFFFF; "><font style='white-space: pre-wrap;'>In addition, information regarding the basket component may be obtained from other sources including, but not limited to, press releases, newspaper articles and other publicly disseminated documents. </font></FONT><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 9.0pt; background-color: #FFFFFF; "><font style='white-space: pre-wrap;'>Neither we nor the agent makes any representation that such publicly available documents or any other publicly available information regarding the basket component is accurate or complete.</font></FONT></P>
                <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 11.0pt; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>The basket component closing level of the EFA Fund on October 31, 2025 was $94.49. The following graph sets forth the daily basket component closing levels of the basket component for the period noted below. We obtained the historical information presented in this document from Bloomberg Financial Markets, without independent verification. The basket component has at times experienced periods of high volatility. You should not take the historical basket component closing levels of the basket component as an indication of its future performance, and no assurance can be given as to the basket component closing level of the basket component at any time.</font></FONT></P>
                <TABLE width="594.00pt" style="margin-left: auto; width: 594.00pt; table-layout: fixed; border-collapse: collapse; margin-right: auto; ">
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                            <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; text-align: center; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #306DC1; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>EFA Fund Daily Basket Component Closing Levels</font></FONT></P>
                            <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; text-align: center; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #306DC1; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>January 1, 2020 to October 31, 2025</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: 3.3pt; margin-bottom: 3.3pt; text-align: center; "><FONT style="font-family: Arial, sans-serif; font-size: 12.0pt; ">                                    <IMG width="593.23pt" height="288.53pt" src="image3.gif" style="width: 593.23pt; height: 288.53pt; ">
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                <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 11.0pt; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 9.0pt; background-color: #FFFFFF; "><font style='white-space: pre-wrap;'>This document relates only to the securities referenced hereby and does not relate to the basket component. We have derived all disclosures contained in this document regarding the basket component from the publicly available documents described above. In connection with this offering of securities, neither we nor the agent has participated in the preparation of such documents or made any due diligence inquiry with respect to the basket component. Neither we nor the agent makes any representation that such publicly available documents or any other publicly available information regarding the basket component is accurate or complete. Furthermore, we cannot give any assurance that all events occurring prior to the date hereof (including events that would affect the accuracy or completeness of the publicly available documents described above) that would affect the trading price of the basket component (and therefore the basket component closing level of the basket component on the strike date) have been publicly disclosed. Subsequent disclosure of any such events or the disclosure of or failure to disclose material future events concerning the basket component could affect the value received with respect to the securities and therefore the value of the securities.</font></FONT></P>
                <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 11.0pt; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 9.0pt; background-color: #FFFFFF; "><font style='white-space: pre-wrap;'>Neither we nor any of our affiliates makes any representation to you as to the performance of the basket component.</font></FONT></P>
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                            <P style="padding-left: 0.0pt; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 11.0pt; color: #296DC1; "><font style='white-space: pre-wrap;'>Buffered PLUS</font></FONT></P>
                            <P style="padding-left: 0.0pt; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #7A797F; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>Principal at Risk Securities</font></FONT></P>
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                <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 12.0pt; ">&nbsp;</FONT></P>
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            <DIV style="width: 594.00pt; padding: 10pt 39.60pt 10pt 39.60pt; position: relative; margin-bottom: 20pt; ">
                <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 11.0pt; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; background-color: #FFFFFF; "><font style='white-space: pre-wrap;'>We and/or our affiliates may presently or from time to time engage in business with the basket fund manager. In the course of such business, we and/or our affiliates may acquire non-public information with respect to the basket component, and neither we nor any of our affiliates undertakes to disclose any such information to you. In addition, one or more of our affiliates may publish research reports with respect to the basket component. The statements in the preceding two sentences are not intended to affect the rights of investors in the securities under the securities laws. You should undertake an independent investigation of the basket component as in your judgment is appropriate to make an informed decision with respect to an investment linked to the basket component.</font></FONT></P>
                <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 11.0pt; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; background-color: #FFFFFF; "><font style='white-space: pre-wrap;'>The securities are not sponsored, endorsed, sold, or promoted by the basket fund manager. The basket fund manager makes no representations or warranties to the owners of the securities or any member of the public regarding the advisability of investing in the securities. The basket fund manager has no obligation or liability in connection with the operation, marketing, trading or sale of the securities.</font></FONT></P>
                <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 11.0pt; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-style: italic; color: #296DC1; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>MSCI EAFE</font></FONT><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-style: italic; color: #296DC1; font-size: 7pt; vertical-align: super; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-style: italic; color: #296DC1; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> Index.</font></FONT><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #296DC1; 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;'>The MSCI EAFE</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;'> Index is a free float-adjusted market capitalization index that is designed to measure the equity market performance of developed markets, excluding the United States and Canada. The share underlying index publisher with respect to the MSCI EAFE</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;'> Index is MSCI Inc., or any successor thereof. The MSCI EAFE</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;'> Index captures large and mid cap representation across countries that MSCI Inc. identifies as &#8220;Developed Market&#8221; countries, excluding the United States and Canada. For additional information about the MSCI EAFE</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;'> Index, see the information set forth under &#8220;MSCI Global Investable Market Indices&#8212;MSCI EAFE</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;'> Index&#8221; and &#8220;&#8212;MSCI Global Investable Market Indices Methodology&#8221; in the accompanying index supplement.</font></FONT></P>
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                            <P style="padding-left: 0.0pt; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #7A797F; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>Principal at Risk Securities</font></FONT></P>
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                <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 12.0pt; ">&nbsp;</FONT></P>
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                <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #296DC1; font-size: 12.0pt; "><font style='white-space: pre-wrap;'>iShares</font></FONT><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #296DC1; vertical-align: super; font-size: 10pt; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #296DC1; font-size: 12.0pt; "><font style='white-space: pre-wrap;'> MSCI Emerging Markets ETF Overview</font></FONT></P>
                <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 12.0pt; padding-left: 0.0pt; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #7A797F; font-size: 10.0pt; "><font style='white-space: pre-wrap;'>Bloomberg Ticker Symbol: EEM UP</font></FONT></P>
                <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 11.0pt; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>The iShares</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 7pt; vertical-align: super; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> MSCI Emerging Markets ETF is an exchange-traded fund that</font></FONT><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> seeks investment results that correspond generally to the price and yield performance, before fees and expenses, of its share underlying index, which is the MSCI Emerging Markets Index. </font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>The basket fund manager with respect to the iShares</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 7pt; vertical-align: super; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> MSCI Emerging Markets ETF is iShares</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 7pt; vertical-align: super; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>, Inc., which is a registered investment company. </font></FONT><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>It is possible that the basket component may not fully replicate the performance of its share underlying index due to the temporary unavailability of certain securities in the secondary market or due to other extraordinary circumstances. Information provided to or filed with the Securities and Exchange Commission by the basket fund manager pursuant to the Securities Act of 1933 and the Investment Company Act of 1940 can be located by reference to Securities and Exchange Commission file numbers </font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>033-97598</font></FONT><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> and </font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>811-09102,</font></FONT><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> respectively, through the Securities and Exchange Commission&#8217;s website at </font></FONT><FONT style="word-break: break-all; "><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>www.sec.gov</font></FONT></FONT><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>. </font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; background-color: #FFFFFF; "><font style='white-space: pre-wrap;'>In addition, information regarding the basket component may be obtained from other sources including, but not limited to, press releases, newspaper articles and other publicly disseminated documents. </font></FONT><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 9.0pt; background-color: #FFFFFF; "><font style='white-space: pre-wrap;'>Neither we nor the agent makes any representation that such publicly available documents or any other publicly available information regarding the basket component is accurate or complete.</font></FONT></P>
                <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 11.0pt; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>The basket component closing level of the EEM Fund on October 31, 2025 was $55.30. The following graph sets forth the daily basket component closing levels of the basket component for the period noted below. We obtained the historical information presented in this document from Bloomberg Financial Markets, without independent verification. The basket component has at times experienced periods of high volatility. You should not take the historical basket component closing levels of the basket component as an indication of its future performance, and no assurance can be given as to the basket component closing level of the basket component at any time.</font></FONT></P>
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                            <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; text-align: center; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #306DC1; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>EEM Fund Daily Basket Component Closing Levels</font></FONT></P>
                            <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; text-align: center; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #306DC1; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>January 1, 2020 to October 31, 2025</font></FONT></P>
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                <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 11.0pt; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 9.0pt; background-color: #FFFFFF; "><font style='white-space: pre-wrap;'>This document relates only to the securities referenced hereby and does not relate to the basket component. We have derived all disclosures contained in this document regarding the basket component from the publicly available documents described above. In connection with this offering of securities, neither we nor the agent has participated in the preparation of such documents or made any due diligence inquiry with respect to the basket component. Neither we nor the agent makes any representation that such publicly available documents or any other publicly available information regarding the basket component is accurate or complete. Furthermore, we cannot give any assurance that all events occurring prior to the date hereof (including events that would affect the accuracy or completeness of the publicly available documents described above) that would affect the trading price of the basket component (and therefore the basket component closing level of the basket component on the strike date) have been publicly disclosed. Subsequent disclosure of any such events or the disclosure of or failure to disclose material future events concerning the basket component could affect the value received with respect to the securities and therefore the value of the securities.</font></FONT></P>
                <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 11.0pt; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 9.0pt; background-color: #FFFFFF; "><font style='white-space: pre-wrap;'>Neither we nor any of our affiliates makes any representation to you as to the performance of the basket component.</font></FONT></P>
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                <P style="text-align: right; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; color: #7A797F; font-size: 18.0pt; "><font style='white-space: pre-wrap;'>Morgan Stanley Finance LLC</font></FONT></P>
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                            <P style="padding-left: 0.0pt; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 11.0pt; color: #296DC1; "><font style='white-space: pre-wrap;'>Buffered PLUS</font></FONT></P>
                            <P style="padding-left: 0.0pt; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #7A797F; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>Principal at Risk Securities</font></FONT></P>
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                <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 12.0pt; ">&nbsp;</FONT></P>
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            <DIV style="width: 594.00pt; padding: 10pt 39.60pt 10pt 39.60pt; position: relative; margin-bottom: 20pt; ">
                <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 11.0pt; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; background-color: #FFFFFF; "><font style='white-space: pre-wrap;'>We and/or our affiliates may presently or from time to time engage in business with the basket fund manager. In the course of such business, we and/or our affiliates may acquire non-public information with respect to the basket component, and neither we nor any of our affiliates undertakes to disclose any such information to you. In addition, one or more of our affiliates may publish research reports with respect to the basket component. The statements in the preceding two sentences are not intended to affect the rights of investors in the securities under the securities laws. You should undertake an independent investigation of the basket component as in your judgment is appropriate to make an informed decision with respect to an investment linked to the basket component.</font></FONT></P>
                <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 11.0pt; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; background-color: #FFFFFF; "><font style='white-space: pre-wrap;'>The securities are not sponsored, endorsed, sold, or promoted by the basket fund manager. The basket fund manager makes no representations or warranties to the owners of the securities or any member of the public regarding the advisability of investing in the securities. The basket fund manager has no obligation or liability in connection with the operation, marketing, trading or sale of the securities.</font></FONT></P>
                <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 11.0pt; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-style: italic; color: #296DC1; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>MSCI Emerging Markets Index.</font></FONT><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #296DC1; 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;'>The MSCI Emerging Markets Index is a free float-adjusted market capitalization index that is designed to measure the equity market performance of emerging markets. The share underlying index publisher with respect to the MSCI Emerging Markets Index is MSCI Inc., or any successor thereof. The MSCI Emerging Markets Index captures large and mid cap representation across countries that MSCI Inc. identifies as &#8220;Emerging Markets&#8221; countries. For additional information about the MSCI Emerging Markets Index, see the information set forth under &#8220;MSCI Global Investable Market Indices&#8212;MSCI Emerging Markets Index&#8221; and &#8220;&#8212;MSCI Global Investable Market Indices Methodology&#8221; in the accompanying index supplement.</font></FONT></P>
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                <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; text-align: center; "><FONT style="font-family: Arial, sans-serif; color: #296DC1; font-size: 8.5pt; width: 507.87pt; display: inline-block; ">&nbsp;</FONT><FONT style="font-family: Arial, sans-serif; color: #296DC1; font-size: 8.5pt; "><font style='white-space: pre-wrap;'>Page </font><FONT>12</FONT></FONT></P>
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                            <P style="padding-left: 0.0pt; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 11.0pt; color: #296DC1; "><font style='white-space: pre-wrap;'>Buffered PLUS</font></FONT></P>
                            <P style="padding-left: 0.0pt; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #7A797F; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>Principal at Risk Securities</font></FONT></P>
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                <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 12.0pt; ">&nbsp;</FONT></P>
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                <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #296DC1; font-size: 12.0pt; "><font style='white-space: pre-wrap;'>Russell 2000</font></FONT><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #296DC1; vertical-align: super; font-size: 10pt; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #296DC1; font-size: 12.0pt; "><font style='white-space: pre-wrap;'> Index Overview</font></FONT></P>
                <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 12.0pt; padding-left: 0.0pt; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #7A797F; font-size: 10.0pt; "><font style='white-space: pre-wrap;'>Bloomberg Ticker Symbol: RTY</font></FONT></P>
                <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 11.0pt; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>The Russell 2000</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 7pt; vertical-align: super; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> Index is an index that measures the capitalization-weighted price performance of 2,000 U.S. small-capitalization stocks listed on eligible U.S. exchanges. The index publisher with respect to the Russell 2000</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 7pt; vertical-align: super; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> Index is FTSE International Limited, or any successor thereof. The Russell 2000</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 7pt; vertical-align: super; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> Index is designed to track the performance of the small-capitalization segment of the U.S. equity market. The companies included in the Russell 2000</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 7pt; vertical-align: super; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> Index are the middle 2,000 (i.e., those ranked 1,001 through 3,000) of the companies that form the Russell 3000E&#8482; Index. The Russell 2000</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 7pt; vertical-align: super; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> Index represents approximately 7% of the U.S. equity market.</font></FONT><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> For additional information about the Russell 2000</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;'> Index, see the information set forth under &#8220;Russell Indices&#8212;Russell 2000</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;'> Index&#8221; in the accompanying index supplement.</font></FONT></P>
                <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 11.0pt; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>The basket component closing level of the RTY Index on October 31, 2025 was 2,479.381. The following graph sets forth the daily basket component closing levels of the basket component for the period noted below. We obtained the historical information presented in this document from Bloomberg Financial Markets, without independent verification. The basket component has at times experienced periods of high volatility. You should not take the historical basket component closing levels of the basket component as an indication of its future performance, and no assurance can be given as to the basket component closing level of the basket component at any time.</font></FONT></P>
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                            <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; text-align: center; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #306DC1; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>RTY Index Daily Basket Component Closing Levels</font></FONT></P>
                            <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; text-align: center; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #306DC1; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>January 1, 2020 to October 31, 2025</font></FONT></P>
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                <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; text-align: center; "><FONT style="font-family: Arial, sans-serif; color: #296DC1; font-size: 8.5pt; width: 507.87pt; display: inline-block; ">&nbsp;</FONT><FONT style="font-family: Arial, sans-serif; color: #296DC1; font-size: 8.5pt; "><font style='white-space: pre-wrap;'>Page </font><FONT>13</FONT></FONT></P>
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                            <P style="padding-left: 0.0pt; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 11.0pt; color: #296DC1; "><font style='white-space: pre-wrap;'>Buffered PLUS</font></FONT></P>
                            <P style="padding-left: 0.0pt; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #7A797F; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>Principal at Risk Securities</font></FONT></P>
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                <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 12.0pt; ">&nbsp;</FONT></P>
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                <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #296DC1; font-size: 12.0pt; "><font style='white-space: pre-wrap;'>S&amp;P 500</font></FONT><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #296DC1; vertical-align: super; font-size: 10pt; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #296DC1; font-size: 12.0pt; "><font style='white-space: pre-wrap;'> Index Overview</font></FONT></P>
                <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 12.0pt; padding-left: 0.0pt; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #7A797F; font-size: 10.0pt; "><font style='white-space: pre-wrap;'>Bloomberg Ticker Symbol: SPX</font></FONT></P>
                <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 11.0pt; "><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; font-size: 7pt; vertical-align: super; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> 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. The index publisher with respect to the S&amp;P 500</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 7pt; vertical-align: super; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> Index is S&amp;P</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 7pt; vertical-align: super; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> Dow Jones Indices LLC, or any successor thereof. Component stocks of the S&amp;P 500</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 7pt; vertical-align: super; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> 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; font-size: 7pt; vertical-align: super; "><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; font-size: 7pt; vertical-align: super; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> Total Market Index. The S&amp;P 500</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 7pt; vertical-align: super; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> 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. For additional information about the S&amp;P 500</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 7pt; vertical-align: super; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> Index, see the information set forth under &#8220;S&amp;P</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 7pt; vertical-align: super; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> U.S. Indices&#8212;S&amp;P 500</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 7pt; vertical-align: super; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> Index&#8221; in the accompanying index supplement.</font></FONT></P>
                <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 11.0pt; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>The basket component closing level of the SPX Index on October 31, 2025 was 6,840.20. The following graph sets forth the daily basket component closing levels of the basket component for the period noted below. We obtained the historical information presented in this document from Bloomberg Financial Markets, without independent verification. The basket component has at times experienced periods of high volatility. You should not take the historical basket component closing levels of the basket component as an indication of its future performance, and no assurance can be given as to the basket component closing level of the basket component at any time.</font></FONT></P>
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                            <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; text-align: center; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #306DC1; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>SPX Index Daily Basket Component Closing Levels</font></FONT></P>
                            <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; text-align: center; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #306DC1; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>January 1, 2020 to October 31, 2025</font></FONT></P>
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                <P style="text-align: right; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; color: #7A797F; font-size: 18.0pt; "><font style='white-space: pre-wrap;'>Morgan Stanley Finance LLC</font></FONT></P>
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                            <P style="padding-left: 0.0pt; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 11.0pt; color: #296DC1; "><font style='white-space: pre-wrap;'>Buffered PLUS</font></FONT></P>
                            <P style="padding-left: 0.0pt; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #7A797F; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>Principal at Risk Securities</font></FONT></P>
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                <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 12.0pt; ">&nbsp;</FONT></P>
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                <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #296DC1; font-size: 12.0pt; "><font style='white-space: pre-wrap;'>S&amp;P MidCap 400</font></FONT><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #296DC1; vertical-align: super; font-size: 10pt; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #296DC1; font-size: 12.0pt; "><font style='white-space: pre-wrap;'> Index Overview</font></FONT></P>
                <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 12.0pt; padding-left: 0.0pt; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #7A797F; font-size: 10.0pt; "><font style='white-space: pre-wrap;'>Bloomberg Ticker Symbol: MID</font></FONT></P>
                <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 11.0pt; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>The S&amp;P MidCap 400</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 7pt; vertical-align: super; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> Index is intended to provide a benchmark for performance measurement of the medium capitalization segment of the U.S. equity markets by tracking the stock price movement of 400 companies with mid-sized market capitalizations. The index publisher with respect to the S&amp;P MidCap 400</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 7pt; vertical-align: super; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> Index is S&amp;P</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 7pt; vertical-align: super; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> Dow Jones Indices LLC, or any successor thereof. Component stocks of the S&amp;P MidCap 400</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 7pt; vertical-align: super; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> 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; font-size: 7pt; vertical-align: super; "><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; font-size: 7pt; vertical-align: super; "><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 of the S&amp;P</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 7pt; vertical-align: super; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> Total Market Index. The S&amp;P MidCap 400</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 7pt; vertical-align: super; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> Index measures the relative performance of the 400 constituent stocks as of a particular time as compared to the common stocks of 400 similar companies on the base date of June 28, 1991. The S&amp;P MidCap 400</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 7pt; vertical-align: super; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> Index does not overlap holdings with the S&amp;P 500</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 7pt; vertical-align: super; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> Index or the S&amp;P SmallCap 600</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 7pt; vertical-align: super; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> Index. For additional information about the S&amp;P MidCap 400</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 7pt; vertical-align: super; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> Index, see the information set forth under &#8220;S&amp;P</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 7pt; vertical-align: super; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> U.S. Indices&#8212;S&amp;P MidCap 400</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 7pt; vertical-align: super; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> Index&#8221; in the accompanying index supplement.</font></FONT></P>
                <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 11.0pt; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>The basket component closing level of the MID Index on October 31, 2025 was 3,246.26. The following graph sets forth the daily basket component closing levels of the basket component for the period noted below. We obtained the historical information presented in this document from Bloomberg Financial Markets, without independent verification. The basket component has at times experienced periods of high volatility. You should not take the historical basket component closing levels of the basket component as an indication of its future performance, and no assurance can be given as to the basket component closing level of the basket component at any time.</font></FONT></P>
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                            <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; text-align: center; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #306DC1; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>MID Index Daily Basket Component Closing Levels</font></FONT></P>
                            <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; text-align: center; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #306DC1; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>January 1, 2020 to October 31, 2025</font></FONT></P>
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                <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; text-align: center; "><FONT style="font-family: Arial, sans-serif; color: #296DC1; font-size: 8.5pt; width: 507.87pt; display: inline-block; ">&nbsp;</FONT><FONT style="font-family: Arial, sans-serif; color: #296DC1; font-size: 8.5pt; "><font style='white-space: pre-wrap;'>Page </font><FONT>15</FONT></FONT></P>
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            <DIV style="width: 594.00pt; padding: 23.76pt 39.60pt 0 39.60pt; min-height: 15.84pt; position: relative; ">
                <P style="text-align: right; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; color: #7A797F; font-size: 18.0pt; "><font style='white-space: pre-wrap;'>Morgan Stanley Finance LLC</font></FONT></P>
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                            <P style="padding-left: 0.0pt; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 11.0pt; color: #296DC1; "><font style='white-space: pre-wrap;'>Buffered PLUS</font></FONT></P>
                            <P style="padding-left: 0.0pt; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #7A797F; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>Principal at Risk Securities</font></FONT></P>
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                <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 12.0pt; ">&nbsp;</FONT></P>
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                <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; "><FONT style="font-family: Arial, sans-serif; color: #296DC1; font-size: 16.0pt; "><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; color: #296DC1; font-size: 16.0pt; "><font style='white-space: pre-wrap;'>Additional Terms of the Securities</font></FONT></P>
                <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 11.0pt; text-indent: 0.0pt; "><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Please read this information in conjunction with the terms on the cover of this document.</font></FONT></P>
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                            <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; text-align: left; "><FONT style="font-family: Arial, sans-serif; font-size: 10.0pt; font-weight: bold; color: #FFFFFF; "><font style='white-space: pre-wrap;'>Additional Terms:</font></FONT></P>
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                        <TD colspan="2" style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; ">
                            <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 10.0pt; "><FONT style="font-size: 8.5pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>If the terms described herein are inconsistent with those described in the accompanying product supplement, index supplement or prospectus, the terms described herein shall control.</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: #DCEBF4; ">
                            <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 10.0pt; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #296DC1; font-size: 8.5pt; "><font style='white-space: pre-wrap;'>Denominations:</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: #DCEBF4; ">
                            <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 10.0pt; "><FONT style="font-family: Arial, sans-serif; font-size: 8.5pt; "><font style='white-space: pre-wrap;'>$1,000 per security and integral multiples thereof</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: 3.3pt; margin-bottom: 3.3pt; line-height: 10.0pt; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #296DC1; font-size: 8.5pt; "><font style='white-space: pre-wrap;'>Buffered PLUS:</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: 3.3pt; margin-bottom: 3.3pt; line-height: 10.0pt; "><FONT style="font-family: Arial, sans-serif; font-size: 8.5pt; "><font style='white-space: pre-wrap;'>The accompanying product supplement refers to these Buffered PLUS as the &#8220;securities.&#8221;</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: #DCEBF4; ">
                            <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 10.0pt; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #296DC1; font-size: 8.5pt; "><font style='white-space: pre-wrap;'>Amortization period:</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: #DCEBF4; ">
                            <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 10.0pt; "><FONT style="font-family: Arial, sans-serif; font-size: 8.5pt; "><font style='white-space: pre-wrap;'>The 6-month period following the issue 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; ">
                            <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 10.0pt; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #296DC1; font-size: 8.5pt; "><font style='white-space: pre-wrap;'>Trustee:</font></FONT></P>
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                            <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 10.0pt; "><FONT style="font-family: Arial, sans-serif; font-size: 8.5pt; "><font style='white-space: pre-wrap;'>The Bank of New York Mellon</font></FONT></P>
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                            <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 10.0pt; "><FONT style="font-family: Arial, sans-serif; font-size: 8.5pt; "><font style='white-space: pre-wrap;'>Morgan Stanley &amp; Co. LLC (&#8220;MS &amp; Co.&#8221;)</font></FONT></P>
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                <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; text-align: center; "><FONT style="font-family: Arial, sans-serif; color: #296DC1; font-size: 8.5pt; width: 507.87pt; display: inline-block; ">&nbsp;</FONT><FONT style="font-family: Arial, sans-serif; color: #296DC1; font-size: 8.5pt; "><font style='white-space: pre-wrap;'>Page </font><FONT>16</FONT></FONT></P>
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            <DIV style="width: 594.00pt; padding: 23.76pt 39.60pt 0 39.60pt; min-height: 15.84pt; position: relative; ">
                <P style="text-align: right; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; color: #7A797F; font-size: 18.0pt; "><font style='white-space: pre-wrap;'>Morgan Stanley Finance LLC</font></FONT></P>
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                            <P style="padding-left: 0.0pt; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 11.0pt; color: #296DC1; "><font style='white-space: pre-wrap;'>Buffered PLUS</font></FONT></P>
                            <P style="padding-left: 0.0pt; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #7A797F; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>Principal at Risk Securities</font></FONT></P>
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                <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 12.0pt; ">&nbsp;</FONT></P>
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            <DIV style="width: 594.00pt; padding: 10pt 39.60pt 10pt 39.60pt; position: relative; margin-bottom: 20pt; ">
                <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; "><FONT style="font-family: Arial, sans-serif; color: #296DC1; font-size: 16.0pt; "><font style='white-space: pre-wrap;'>Additional Information About the Securities</font></FONT></P>
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                    <TR style="vertical-align: top; min-height: 1.10pt; ">
                        <TD colspan="2" style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; background-color: #296DC1; ">
                            <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; text-align: left; "><FONT style="font-family: Arial, sans-serif; font-size: 10.0pt; font-weight: bold; color: #FFFFFF; "><font style='white-space: pre-wrap;'>Additional Information:</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; min-height: 1.10pt; ">
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; ">
                            <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 10.0pt; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #296DC1; font-size: 8.5pt; "><font style='white-space: pre-wrap;'>Minimum ticketing size:</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: 3.3pt; margin-bottom: 3.3pt; line-height: 10.0pt; "><FONT style="font-family: Arial, sans-serif; font-size: 8.5pt; "><font style='white-space: pre-wrap;'>$1,000 / 1 security</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; min-height: 1.10pt; ">
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; background-color: #DCEBF4; ">
                            <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 10.0pt; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #296DC1; font-size: 8.5pt; "><font style='white-space: pre-wrap;'>United States federal income tax considerations:</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; background-color: #DCEBF4; ">
                            <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 10.0pt; text-indent: 0.0pt; "><FONT style="font-family: Arial, sans-serif; font-size: 8.5pt; "><font style='white-space: pre-wrap;'>You should review carefully the section in the accompanying product supplement entitled &#8220;United States Federal Income Tax Considerations.&#8221; The following discussion, when read in combination with that section, constitutes the full opinion of our counsel, Davis Polk &amp; Wardwell LLP, regarding the material U.S. federal income tax consequences of owning and disposing of the securities. </font></FONT></P>
                            <P style="margin-top: 6.6pt; margin-bottom: 3.3pt; line-height: 10.0pt; "><FONT style="font-family: Arial, sans-serif; font-size: 8.5pt; color: #000000; "><font style='white-space: pre-wrap;'>Generally, this discussion assumes that you purchased the securities for cash in the original issuance at the stated issue price and does not address other circumstances specific to you, including consequences that may arise due to any other investments relating to an underlier. You should consult your tax adviser regarding the effect any such circumstances may have on the U.S. federal income tax consequences of your ownership of a security.</font></FONT></P>
                            <P style="margin-top: 6.6pt; margin-bottom: 3.3pt; line-height: 10.0pt; text-indent: 0.0pt; "><FONT style="font-family: Arial, sans-serif; font-size: 8.5pt; "><font style='white-space: pre-wrap;'>In the opinion of our counsel, which is based on current market conditions, it is reasonable to treat the securities for U.S. federal income tax purposes as prepaid financial contracts that are &#8220;open transactions,&#8221; as described in the section entitled &#8220;United States Federal Income Tax Considerations&#8212;Tax Consequences to U.S. Holders&#8212;Securities Treated as Prepaid Financial Contracts that are Open Transactions&#8221; in the accompanying product supplement. There is uncertainty regarding this treatment, and the IRS or a court might not agree with it. A different tax treatment could be adverse to you. Generally, if this treatment is respected, subject to the potential application of the &#8220;constructive ownership&#8221; regime discussed below, (i) you should not recognize taxable income or loss prior to the taxable disposition of your securities (including upon maturity or an earlier redemption, if applicable) and (ii) the gain or loss on your securities should be treated as capital gain or loss.</font></FONT></P>
                            <P style="margin-top: 6.6pt; margin-bottom: 3.3pt; line-height: 10.0pt; text-indent: 0.0pt; "><FONT style="font-family: Arial, sans-serif; font-size: 8.5pt; "><font style='white-space: pre-wrap;'>Even if the treatment of the securities as prepaid financial contracts is respected, purchasing a security could be treated as entering into a &#8220;constructive ownership transaction&#8221; within the meaning of Section 1260 of the Internal Revenue Code (&#8220;Section 1260&#8221;), as described in the sections entitled &#8220;United States Federal Income Tax Considerations&#8212;Tax Consequences to U.S. Holders&#8212;Securities Treated as Prepaid Financial Contracts that are Open Transactions&#8212;Possible Application of Section 1260 of the Code&#8221; in the accompanying product supplement. Due to the lack of direct legal authority, our counsel is unable to opine as to whether or how Section 1260 applies to the securities.</font></FONT></P>
                            <P style="margin-top: 6.6pt; margin-bottom: 3.3pt; line-height: 10.0pt; text-indent: 0.0pt; "><FONT style="font-family: Arial, sans-serif; font-size: 8.5pt; "><font style='white-space: pre-wrap;'>We do not plan to request a ruling from the IRS regarding the treatment of the securities. An alternative characterization of the securities could materially and adversely affect the tax consequences of ownership and disposition of the securities, 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 securities, possibly with retroactive effect. </font></FONT></P>
                            <P style="margin-top: 6.6pt; margin-bottom: 3.3pt; line-height: 10.0pt; text-indent: 0.0pt; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 8.5pt; "><font style='white-space: pre-wrap;'>Non-U.S. Holders.</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 8.5pt; "><font style='white-space: pre-wrap;'> As discussed under &#8220;United States Federal Income Tax Considerations&#8212;Tax Consequences to Non-U.S. Holders&#8212;Dividend Equivalents under Section 871(m) of the Code&#8221; in the accompanying product supplement, Section 871(m) of the Internal Revenue Code and Treasury regulations promulgated thereunder (&#8220;Section 871(m)&#8221;) generally impose a 30% 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.  The Treasury regulations, as modified by an IRS notice, exempt financial instruments issued prior to January 1, 2027 that do not have a &#8220;delta&#8221; of one.  Based on certain representations made by us, our counsel is of the opinion that Section 871(m) should not apply to the securities with regard to Non-U.S. Holders. Our determination is not binding on the IRS, and the IRS may disagree with this determination.</font></FONT></P>
                            <P style="margin-top: 6.6pt; margin-bottom: 3.3pt; line-height: 10.0pt; text-indent: 0.0pt; "><FONT style="font-family: Arial, sans-serif; font-size: 8.5pt; "><font style='white-space: pre-wrap;'>We will not be required to pay any additional amounts with respect to U.S. federal withholding taxes.</font></FONT></P>
                            <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 10.0pt; "><FONT style="font-family: Arial, sans-serif; font-size: 8.5pt; "><font style='white-space: pre-wrap;'>You should consult your tax adviser regarding the U.S. federal income tax consequences of an investment in the securities, including possible alternative treatments and the potential application of the &#8220;constructive ownership&#8221; regime,</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 6pt; vertical-align: super; "><font style='white-space: pre-wrap;'> </font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 8.5pt; "><font style='white-space: pre-wrap;'>as well as tax consequences arising under the laws of any state, local or non-U.S. taxing jurisdiction.</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; min-height: 1.10pt; ">
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; ">
                            <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 10.0pt; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #296DC1; font-size: 8.5pt; "><font style='white-space: pre-wrap;'>Additional considerations:</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: 3.3pt; margin-bottom: 3.3pt; line-height: 10.0pt; "><FONT style="font-family: Arial, sans-serif; font-size: 8.5pt; "><font style='white-space: pre-wrap;'>Client accounts over which Morgan Stanley, Morgan Stanley Wealth Management or any of their respective subsidiaries have investment discretion are not permitted to purchase the securities, either directly or indirectly.</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; min-height: 1.10pt; ">
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; background-color: #DCEBF4; ">
                            <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 10.0pt; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #296DC1; font-size: 8.5pt; "><font style='white-space: pre-wrap;'>Supplemental information regarding plan of distribution; </font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; background-color: #DCEBF4; ">
                            <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 10.0pt; "><FONT style="font-family: Arial, sans-serif; font-size: 8.5pt; "><font style='white-space: pre-wrap;'>MS &amp; Co. expects to sell all of the securities that it purchases from us to an unaffiliated dealer at a price of $1,000 per security, for further sale to certain fee-based advisory accounts at the price to </font></FONT></P>
                        </TD>
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            <DIV style="width: 594.00pt; padding: 0 39.60pt 15.84pt 39.60pt; min-height: 23.76pt; position: relative; ">
                <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; text-align: center; "><FONT style="font-family: Arial, sans-serif; color: #296DC1; font-size: 8.5pt; width: 507.87pt; display: inline-block; ">&nbsp;</FONT><FONT style="font-family: Arial, sans-serif; color: #296DC1; font-size: 8.5pt; "><font style='white-space: pre-wrap;'>Page </font><FONT>17</FONT></FONT></P>
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        <DIV style="margin: auto; width: 673.20pt; padding: 36pt 0; ">
            <DIV style="width: 594.00pt; padding: 23.76pt 39.60pt 0 39.60pt; min-height: 15.84pt; position: relative; ">
                <P style="text-align: right; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; color: #7A797F; font-size: 18.0pt; "><font style='white-space: pre-wrap;'>Morgan Stanley Finance LLC</font></FONT></P>
                <TABLE width="594.00pt" style="margin-left: auto; width: 594.00pt; table-layout: fixed; border-collapse: collapse; margin-right: auto; ">
                    <TR>
                        <TD width="594.00pt" style="width: 594.00pt; 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; border-top:  0.25pt solid #296DC1; border-bottom:  0.25pt solid #296DC1; ">
                            <P style="padding-left: 0.0pt; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 11.0pt; color: #296DC1; "><font style='white-space: pre-wrap;'>Buffered PLUS</font></FONT></P>
                            <P style="padding-left: 0.0pt; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #7A797F; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>Principal at Risk Securities</font></FONT></P>
                        </TD>
                    </TR>
                </TABLE>
                <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Times New Roman, Times, serif; font-size: 12.0pt; ">&nbsp;</FONT></P>
            </DIV>
            <DIV style="width: 594.00pt; padding: 10pt 39.60pt 10pt 39.60pt; position: relative; margin-bottom: 20pt; ">
                <TABLE width="98.06%" style="margin-left: auto; width: 98.06%; table-layout: fixed; border-collapse: collapse; margin-right: auto; ">
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                        <TD width="29.30%" style="width: 29.30%; border: 0; margin: 0; padding: 0; height: 0; ">
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                        <TD width="80.70%" style="width: 80.70%; border: 0; margin: 0; padding: 0; height: 0; ">
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; min-height: 1.10pt; ">
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; background-color: #DCEBF4; ">
                            <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 10.0pt; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #296DC1; font-size: 8.5pt; "><font style='white-space: pre-wrap;'>conflicts of interest:</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; background-color: #DCEBF4; ">
                            <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 10.0pt; "><FONT style="font-family: Arial, sans-serif; font-size: 8.5pt; "><font style='white-space: pre-wrap;'>public of $1,000 per security. MS &amp; Co. will not receive a sales commission with respect to the securities.</font></FONT></P>
                            <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 10.0pt; "><FONT style="font-family: Arial, sans-serif; font-size: 8.5pt; "><font style='white-space: pre-wrap;'>MS &amp; Co. is an affiliate of MSFL 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 securities.</font></FONT></P>
                            <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 10.0pt; "><FONT style="font-family: Arial, sans-serif; font-size: 8.5pt; "><font style='white-space: pre-wrap;'>MS &amp; Co. will conduct this offering in compliance with the requirements of FINRA Rule 5121 of the Financial Industry Regulatory Authority, Inc., which is commonly referred to as FINRA, 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. See &#8220;Plan of Distribution (Conflicts of Interest)&#8221; and &#8220;Use of Proceeds and Hedging&#8221; in the accompanying product supplement.</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; min-height: 1.10pt; ">
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; ">
                            <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 10.0pt; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #296DC1; font-size: 8.5pt; "><font style='white-space: pre-wrap;'>Validity of the securities:</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: 3.3pt; margin-bottom: 3.3pt; line-height: 10.0pt; "><FONT style="font-family: Arial, sans-serif; font-size: 8.5pt; "><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 securities 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 securities (the &#8220;master note&#8221;), and such securities have been delivered against payment as contemplated herein, such securities 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),&#160;</font></FONT><FONT style="font-family: Arial, sans-serif; font-style: italic; font-size: 8.5pt; "><font style='white-space: pre-wrap;'>provided&#160;</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 8.5pt; "><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.&#160;&#160;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.&#160;&#160;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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                    <TR style="vertical-align: top; min-height: 1.10pt; ">
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; background-color: #DCEBF4; ">
                            <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 10.0pt; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #296DC1; font-size: 8.5pt; "><font style='white-space: pre-wrap;'>Where you can find more information:</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; background-color: #DCEBF4; ">
                            <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 10.0pt; "><FONT style="font-family: Arial, sans-serif; font-size: 8.5pt; "><font style='white-space: pre-wrap;'>Morgan Stanley and MSFL have filed a registration statement (including a prospectus, as supplemented by the product supplement and the index supplement) with the Securities and Exchange Commission (the &#8220;SEC&#8221;) for the offering to which this communication relates. You should read the prospectus in that registration statement, the product supplement, the index supplement and any other documents relating to this offering that MSFL and Morgan Stanley have filed with the SEC for more complete information about Morgan Stanley and this offering. When you read the accompanying index supplement, please note that all references in such supplement to the prospectus dated November 16, 2023, or to any sections therein, should refer instead to the accompanying prospectus dated April 12, 2024 or to the corresponding sections of such prospectus, as applicable. You may get these documents without cost by visiting EDGAR on the SEC website at www.sec.gov. Alternatively, MSFL, Morgan Stanley, any underwriter or any dealer participating in the offering will arrange to send you the prospectus, the index supplement and the product supplement if you so request by calling toll-free 1-(800)-584-6837.</font></FONT></P>
                            <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 10.0pt; "><FONT style="font-family: Arial, sans-serif; font-size: 8.5pt; "><font style='white-space: pre-wrap;'>Terms used but not defined in this document are defined in the product supplement, in the index supplement or in the prospectus. Each of the product supplement, the index supplement and the prospectus can be accessed via the hyperlinks set forth on the cover of this document.</font></FONT></P>
                            <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 10.0pt; "><FONT style="font-family: Arial, sans-serif; font-size: 8.5pt; "><font style='white-space: pre-wrap;'>&#8220;Performance Leveraged Upside Securities</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 6pt; vertical-align: super; "><font style='white-space: pre-wrap;'>SM</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 8.5pt; "><font style='white-space: pre-wrap;'>&#8221; and &#8220;PLUS</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 6pt; vertical-align: super; "><font style='white-space: pre-wrap;'>SM</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 8.5pt; "><font style='white-space: pre-wrap;'>&#8221; are our service marks.</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: 12.0pt; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
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                <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; text-align: center; "><FONT style="font-family: Arial, sans-serif; color: #296DC1; font-size: 8.5pt; width: 507.87pt; display: inline-block; ">&nbsp;</FONT><FONT style="font-family: Arial, sans-serif; color: #296DC1; font-size: 8.5pt; "><font style='white-space: pre-wrap;'>Page </font><FONT>18</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_90E_effd--FeeExhibitTp_c20251104__20251104_zCodPZ8pnHe3"><ix:nonNumeric contextRef="AsOf2025-11-04" 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_900_effd--FormTp_c20251104__20251104_zJgRBs7Gnz88" style="font-family: Times New Roman, Times, Serif; font-size: 12pt"><b><ix:nonNumeric contextRef="AsOf2025-11-04" 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_903_edei--EntityRegistrantName_c20251104__20251104_zXzJAMMFYmwf"><ix:nonNumeric contextRef="AsOf2025-11-04" id="Fact000011" name="dei:EntityRegistrantName">MORGAN STANLEY</ix:nonNumeric></span></b></p>
<p style="font: 10pt Arial, Helvetica, Sans-Serif; text-align: center; margin-top: 6pt; margin-bottom: 6pt"></p>

<p style="font: 12pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; visibility: hidden; text-indent: 0in"><span style="visibility: hidden; font-family: Times New Roman, Times, Serif; font-size: 10pt">Submission
Type: <span id="xdx_90C_effd--SubmissnTp_c20251104__20251104_zn8mIvpm2xBf" style="visibility: hidden"><ix:nonNumeric contextRef="AsOf2025-11-04" id="Fact000012" name="ffd:SubmissnTp">424B2</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">SEC
File No. <span id="xdx_909_effd--RegnFileNb_c20251104__20251104_zl1Y51JIBVAj" style="visibility: hidden"><ix:nonNumeric contextRef="AsOf2025-11-04" 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
Prospectus: <span id="xdx_90B_effd--FnlPrspctsFlg_c20251104__20251104_zEpYLH4PbDtd" style="visibility: hidden"><ix:nonNumeric contextRef="AsOf2025-11-04" format="ixt:booleantrue" id="Fact000014" name="ffd:FnlPrspctsFlg">True</ix:nonNumeric></span></span></p>



<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0; visibility: hidden"><span><span id="xdx_903_effd--OfferingTableNa_c20251104__20251104_zkkNxUrBJ5Yc"><span id="xdx_905_effd--OffsetTableNa_c20251104__20251104_zjoIm8iHeJm4" style="visibility: hidden"><span id="xdx_90B_effd--CombinedProspectusTableNa_c20251104__20251104_zG53txqRr8E4"><ix:nonNumeric contextRef="AsOf2025-11-04" id="Fact000015" name="ffd:OfferingTableNa"><ix:nonNumeric contextRef="AsOf2025-11-04" id="Fact000016" name="ffd:OffsetTableNa"><ix:nonNumeric contextRef="AsOf2025-11-04" id="Fact000017" name="ffd:CombinedProspectusTableNa">N/A</ix:nonNumeric></ix:nonNumeric></ix:nonNumeric></span></span></span>&#160;</span></p>



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

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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
maximum aggregate offering price of the securities to which the prospectus relates is $<span id="xdx_902_effd--NrrtvMaxAggtOfferingPric_c20251104__20251104_z614xQZk2IZ5"><ix:nonFraction name="ffd:NrrtvMaxAggtOfferingPric" contextRef="AsOf2025-11-04" id="Fact000018" format="ixt:numdotdecimal" decimals="0" unitRef="USD">2,575,000.00</ix:nonFraction></span>. <span id="xdx_901_effd--NrrtvDsclsr_c20251104__20251104_z0rhHNOA05yc" style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><ix:nonNumeric contextRef="AsOf2025-11-04" escape="true" id="Fact000019" name="ffd:NrrtvDsclsr">The
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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end
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<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
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<body>
<span style="display: none;">v3.25.3</span><table class="report" border="0" cellspacing="2" id="id2">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Submission<br></strong></div></th>
<th class="th"><div>Nov. 04, 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>20
<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="AsOf2025-11-04">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000895421</identifier>
        </entity>
        <period>
            <startDate>2025-11-04</startDate>
            <endDate>2025-11-04</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="AsOf2025-11-04" id="Fact000003">0000895421</dei:EntityCentralIndexKey>
    <ffd:FeeExhibitTp contextRef="AsOf2025-11-04" id="Fact000009">EX-FILING FEES</ffd:FeeExhibitTp>
    <ffd:FormTp contextRef="AsOf2025-11-04" id="Fact000010">S-3</ffd:FormTp>
    <dei:EntityRegistrantName contextRef="AsOf2025-11-04" id="Fact000011">MORGAN STANLEY</dei:EntityRegistrantName>
    <ffd:SubmissnTp contextRef="AsOf2025-11-04" id="Fact000012">424B2</ffd:SubmissnTp>
    <ffd:RegnFileNb contextRef="AsOf2025-11-04" id="Fact000013">333-275587</ffd:RegnFileNb>
    <ffd:FnlPrspctsFlg contextRef="AsOf2025-11-04" id="Fact000014">true</ffd:FnlPrspctsFlg>
    <ffd:OfferingTableNa contextRef="AsOf2025-11-04" id="Fact000015">N/A</ffd:OfferingTableNa>
    <ffd:OffsetTableNa contextRef="AsOf2025-11-04" id="Fact000016">N/A</ffd:OffsetTableNa>
    <ffd:CombinedProspectusTableNa contextRef="AsOf2025-11-04" id="Fact000017">N/A</ffd:CombinedProspectusTableNa>
    <ffd:NrrtvMaxAggtOfferingPric
      contextRef="AsOf2025-11-04"
      decimals="0"
      id="Fact000018"
      unitRef="USD">2575000.00</ffd:NrrtvMaxAggtOfferingPric>
    <ffd:NrrtvDsclsr contextRef="AsOf2025-11-04" id="Fact000019">The
prospectus is a final prospectus for the related offering.</ffd:NrrtvDsclsr>
</xbrl>
</XML>
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
