<SEC-DOCUMENT>0001839882-25-064508.txt : 20251107
<SEC-HEADER>0001839882-25-064508.hdr.sgml : 20251107
<ACCEPTANCE-DATETIME>20251107144049
ACCESSION NUMBER:		0001839882-25-064508
CONFORMED SUBMISSION TYPE:	424B2
PUBLIC DOCUMENT COUNT:		2
FILED AS OF DATE:		20251107
DATE AS OF CHANGE:		20251107

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:		251462059

	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:		251462060

	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>ms12004_424b2-37326.htm
<DESCRIPTION>PRELIMINARY PRICING SUPPLEMENT NO. 12,004
<TEXT>
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        <DIV style="margin: auto; width: 673.20pt; padding: 36pt 0; ">
            <DIV style="width: 609.84pt; padding: 15.84pt 31.68pt 0 31.68pt; min-height: 10.00pt; position: relative; ">
                <P style="padding-left: 0.0pt; text-align: right; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; color: #808080; font-size: 7.5pt; width: -15.64pt; display: inline-block; ">&nbsp;</FONT><FONT style="font-family: Arial, sans-serif; color: #808080; font-size: 7.5pt; "></FONT><FONT style="font-weight: bold; font-size: 7.0pt; font-family: Arial, sans-serif; color: #808080; "><font style='white-space: pre-wrap;'>November 2025</font></FONT></P>
                <P style="padding-left: 0.0pt; text-align: right; margin-top: 0; margin-bottom: 0; "><FONT style="font-size: 7.0pt; font-family: Arial, sans-serif; color: #808080; "><font style='white-space: pre-wrap;'>Preliminary Pricing Supplement No. 12,004</font></FONT></P>
                <P style="padding-left: 0.0pt; text-align: right; margin-top: 0; margin-bottom: 0; "><FONT style="font-size: 7.0pt; 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="padding-left: 0.0pt; text-align: right; margin-top: 0; margin-bottom: 0; "><FONT style="font-size: 7.0pt; font-family: Arial, sans-serif; color: #808080; "><font style='white-space: pre-wrap;'>Dated November 7, 2025</font></FONT></P>
                <P style="padding-left: 0.0pt; text-align: right; margin-top: 0; margin-bottom: 0; "><FONT style="font-size: 7.0pt; 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="padding-left: 0.0pt; margin-top: 0.0pt; margin-bottom: 0; "><FONT style="color: #595959; font-size: 18.0pt; font-family: Arial, sans-serif; text-transform: uppercase; "><font style='white-space: pre-wrap;'>M</font></FONT><FONT style="text-transform: none; color: #595959; font-size: 18.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>organ</font></FONT><FONT style="color: #595959; font-size: 18.0pt; font-family: Arial, sans-serif; text-transform: uppercase; "><font style='white-space: pre-wrap;'> S</font></FONT><FONT style="text-transform: none; color: #595959; font-size: 18.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>tanley</font></FONT><FONT style="color: #595959; font-size: 18.0pt; font-family: Arial, sans-serif; text-transform: uppercase; "><font style='white-space: pre-wrap;'> F</font></FONT><FONT style="text-transform: none; color: #595959; font-size: 18.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>inance</font></FONT><FONT style="color: #595959; font-size: 18.0pt; font-family: Arial, sans-serif; text-transform: uppercase; "><font style='white-space: pre-wrap;'> LLC</font></FONT></P>
                <P style="text-indent: -9.52pt; padding-left: 9.52pt; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; text-transform: uppercase; color: #296DC1; font-size: 12.0pt; "><font style='white-space: pre-wrap;'>Structured Investments</font></FONT></P>
                <P style="text-indent: -9.52pt; padding-left: 9.52pt; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; color: #296DC1; font-size: 10.0pt; "><font style='white-space: pre-wrap;'>Opportunities in U.S. Equities</font></FONT></P>
            </DIV>
            <DIV style="width: 609.84pt; padding: 0pt 31.68pt 10pt 31.68pt; 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: 11.0pt; color: #296DC1; "><font style='white-space: pre-wrap;'>Dual</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: 11.0pt; color: #296DC1; "><font style='white-space: pre-wrap;'> Directional Buffered Jump Securities with Auto-Callable Feature due December 2, 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: 9.5pt; color: #808080; "><font style='white-space: pre-wrap;'>All Payments on the Securities Based on the Performance of the Tokyo Stock Price Index</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: 7.5pt; color: #808080; "><font style='white-space: pre-wrap;'>Fully and Unconditionally Guaranteed by Morgan Stanley</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: 7.5pt; color: #808080; "><font style='white-space: pre-wrap;'>Principal at Risk Securities</font></FONT></P>
                <P style="margin-top: 0.0pt; line-height: 8.0pt; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-style: normal; font-size: 7.0pt; "><font style='white-space: pre-wrap;'>The securities offered are unsecured obligations of </font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 7.0pt; "><font style='white-space: pre-wrap;'>Morgan Stanley Finance LLC (&#8220;MSFL&#8221;), fully and unconditionally guaranteed by Morgan Stanley,</font></FONT><FONT style="font-family: Arial, sans-serif; font-style: normal; font-size: 7.0pt; "><font style='white-space: pre-wrap;'> and have the terms described in the accompanying product supplement, index supplement and prospectus, as supplemented or modified by this document.  The securities do not provide for the regular payment of interest and provide for a minimum payment at maturity of only 10% of the stated principal amount.  The securities will be automatically redeemed if the index closing value of the underlying index on the first determination date is greater than or equal to the initial index value, for an early redemption payment of at least $1,109.50</font></FONT><FONT style="font-family: Arial, sans-serif; font-style: italic; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> </font></FONT><FONT style="font-family: Arial, sans-serif; font-style: normal; font-size: 7.0pt; "><font style='white-space: pre-wrap;'>per</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 7.0pt; font-style: italic; "><font style='white-space: pre-wrap;'> </font></FONT><FONT style="font-family: Arial, sans-serif; font-style: normal; font-size: 7.0pt; "><font style='white-space: pre-wrap;'>security</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 7.0pt; font-style: italic; "><font style='white-space: pre-wrap;'> </font></FONT><FONT style="font-family: Arial, sans-serif; font-style: normal; font-size: 7.0pt; "><font style='white-space: pre-wrap;'>(to be determined on the pricing date), as described below.  No further payments will be made on the securities once they have been redeemed.  At maturity, if</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 7.0pt; "><font style='white-space: pre-wrap;'> the securities have not previously been redeemed and the final index value is </font></FONT><FONT style="font-weight: bold; font-size: 7.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>greater than or equal to </font></FONT><FONT style="font-size: 7.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>the initial index value, investors will receive the stated principal amount of their investment plus a return reflecting 150% of the upside performance of the underlying index.  </font></FONT><FONT style="font-family: Arial, sans-serif; font-style: normal; font-size: 7.0pt; "><font style='white-space: pre-wrap;'>If</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 7.0pt; "><font style='white-space: pre-wrap;'> the securities have not previously been redeemed and the final index value </font></FONT><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 7.0pt; "><font style='white-space: pre-wrap;'>is</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 7.0pt; "><font style='white-space: pre-wrap;'> </font></FONT><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 7.0pt; "><font style='white-space: pre-wrap;'>less than </font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 7.0pt; "><font style='white-space: pre-wrap;'>the initial index value but has not decreased by an amount greater than the specified buffer amount, investors will receive the stated principal amount of their investment plus a positive return based on the absolute value of the performance of the underlying index, which will be effectively limited to a 10% return.  However, if the securities are not redeemed prior to maturity and the final index value </font></FONT><FONT style="font-weight: bold; font-size: 7.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>is</font></FONT><FONT style="font-size: 7.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'> </font></FONT><FONT style="font-weight: bold; font-size: 7.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>less than </font></FONT><FONT style="font-size: 7.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>the initial index value by an amount greater than the specified buffer amount, investors will lose 1% for every 1% decline beyond the specified buffer amount, subject to the minimum payment at maturity of 10% of the stated principal amount.  </font></FONT><FONT style="font-weight: bold; font-size: 7.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>Accordingly,</font></FONT><FONT style="font-size: 7.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>&#160;i</font></FONT><FONT style="font-weight: bold; font-size: 7.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>nvestors may lose up to 90% of the stated principal amount of the securities.  </font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 7.0pt; "><font style='white-space: pre-wrap;'>The securities are for investors who are willing to risk their principal and forgo current income in exchange for the possibility of receiving an early redemption payment greater than the stated principal amount if the underlying index closes at or above the initial index value on the first determination date or, if the securities are not redeemed prior to maturity, the possibility of receiving a positive return if the underlying index closes above the initial index value, or below its initial index value but at or above its specified buffer amount, on the final determination date and the buffer feature that applies only to a limited range of performance of the underlying index.  The securities are notes issued as part of</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 7.0pt; "><font style='white-space: pre-wrap;'> </font></FONT><FONT style="font-size: 7.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>MSFL&#8217;s Series A Global Medium-Term Notes program.</font></FONT></P>
                <P style="margin-top: 0.0pt; line-height: 8.0pt; margin-bottom: 0; "><FONT style="font-weight: bold; font-size: 7.0pt; font-family: Arial, sans-serif; "><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></P>
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                            <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; line-height: 8.5pt; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 7.0pt; color: #FFFFFF; "><font style='white-space: pre-wrap;'>SUMMARY TERMS</font></FONT></P>
                        </TD>
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                    <TR style="vertical-align: top; min-height: 3.74pt; ">
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; background-color: #FFFFFF; vertical-align: middle; ">
                            <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; line-height: 8.5pt; "><FONT style="font-family: Arial, sans-serif; color: #296DC1; font-size: 7.0pt; font-weight: bold; "><font style='white-space: pre-wrap;'>Issuer: </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: #FFFFFF; vertical-align: middle; ">
                            <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; line-height: 8.5pt; "><FONT style="font-family: Arial, sans-serif; font-size: 7.0pt; "><font style='white-space: pre-wrap;'>Morgan Stanley Finance LLC</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; min-height: 3.74pt; ">
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; background-color: #DCEBF4; vertical-align: middle; ">
                            <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; line-height: 8.5pt; "><FONT style="font-family: Arial, sans-serif; color: #296DC1; font-size: 7.0pt; font-weight: bold; "><font style='white-space: pre-wrap;'>Guarantor:</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; vertical-align: middle; ">
                            <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; line-height: 8.5pt; "><FONT style="font-family: Arial, sans-serif; font-size: 7.0pt; "><font style='white-space: pre-wrap;'>Morgan Stanley</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; min-height: 4.07pt; ">
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; vertical-align: middle; ">
                            <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; line-height: 8.5pt; "><FONT style="font-family: Arial, sans-serif; color: #296DC1; font-size: 7.0pt; font-weight: bold; "><font style='white-space: pre-wrap;'>Underlying index:</font></FONT></P>
                        </TD>
                        <TD colspan="3" style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; vertical-align: middle; ">
                            <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; line-height: 8.5pt; "><FONT style="font-family: Arial, sans-serif; font-size: 7.0pt; "><font style='white-space: pre-wrap;'>Tokyo Stock Price Index</font></FONT></P>
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                    </TR>
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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; vertical-align: middle; ">
                            <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; line-height: 8.5pt; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #296DC1; font-size: 7.0pt; "><font style='white-space: pre-wrap;'>Aggregate principal amount:</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; vertical-align: middle; ">
                            <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; line-height: 8.5pt; "><FONT style="font-family: Arial, sans-serif; font-size: 7.0pt; "><font style='white-space: pre-wrap;'>$</font></FONT></P>
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                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; ">
                            <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; line-height: 8.5pt; "><FONT style="font-family: Arial, sans-serif; color: #296DC1; font-size: 7.0pt; font-weight: bold; "><font style='white-space: pre-wrap;'>Stated principal amount:</font></FONT></P>
                        </TD>
                        <TD colspan="3" style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; vertical-align: middle; ">
                            <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; line-height: 8.5pt; "><FONT style="font-family: Arial, sans-serif; font-size: 7.0pt; "><font style='white-space: pre-wrap;'>$1,000 per security</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: 0.0pt; margin-bottom: 0.0pt; line-height: 8.5pt; "><FONT style="font-family: Arial, sans-serif; color: #296DC1; font-size: 7.0pt; font-weight: bold; "><font style='white-space: pre-wrap;'>Issue price:</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; vertical-align: middle; ">
                            <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; line-height: 8.5pt; "><FONT style="font-family: Arial, sans-serif; font-size: 7.0pt; "><font style='white-space: pre-wrap;'>$1,000 per security</font></FONT></P>
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                    </TR>
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                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; ">
                            <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; line-height: 8.5pt; "><FONT style="font-family: Arial, sans-serif; color: #296DC1; font-size: 7.0pt; font-weight: bold; "><font style='white-space: pre-wrap;'>Pricing date: </font></FONT></P>
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                        <TD colspan="3" style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; vertical-align: middle; ">
                            <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; line-height: 8.5pt; "><FONT style="font-family: Arial, sans-serif; font-size: 7.0pt; "><font style='white-space: pre-wrap;'>November 28, 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; background-color: #DCEBF4; ">
                            <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; line-height: 8.5pt; "><FONT style="font-family: Arial, sans-serif; color: #296DC1; font-size: 7.0pt; font-weight: bold; "><font style='white-space: pre-wrap;'>Original issue date: </font></FONT></P>
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                        <TD colspan="3" style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; background-color: #DCEBF4; vertical-align: middle; ">
                            <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; line-height: 8.5pt; "><FONT style="font-family: Arial, sans-serif; font-size: 7.0pt; "><font style='white-space: pre-wrap;'>December 3, 2025 (3 business days after the pricing date)</font></FONT></P>
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                    <TR style="vertical-align: top; min-height: 8.91pt; ">
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; vertical-align: middle; ">
                            <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; line-height: 8.5pt; "><FONT style="font-family: Arial, sans-serif; color: #296DC1; font-size: 7.0pt; font-weight: bold; "><font style='white-space: pre-wrap;'>Maturity date: </font></FONT></P>
                        </TD>
                        <TD colspan="3" style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; vertical-align: middle; ">
                            <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; line-height: 8.5pt; "><FONT style="font-family: Arial, sans-serif; font-size: 7.0pt; "><font style='white-space: pre-wrap;'>December 2, 2027</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; background-color: #DCEBF4; ">
                            <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; line-height: 8.5pt; "><FONT style="font-family: Arial, sans-serif; color: #296DC1; font-size: 7.0pt; font-weight: bold; "><font style='white-space: pre-wrap;'>Early redemption:</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; vertical-align: middle; ">
                            <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; line-height: 8.5pt; "><FONT style="font-size: 7.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>If, on the first determination date, the index closing value of the underlying index is </font></FONT><FONT style="font-weight: bold; font-size: 7.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>greater than or equal to</font></FONT><FONT style="font-size: 7.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'> the initial index value, the securities will be automatically redeemed for the early redemption payment on the early redemption date.</font></FONT></P>
                            <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; line-height: 8.5pt; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 7.0pt; "><font style='white-space: pre-wrap;'>The securities will not be redeemed early on the early redemption date if the index closing value of the underlying index is below the initial index value on the first determination date.</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; ">
                            <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; line-height: 8.5pt; "><FONT style="font-family: Arial, sans-serif; color: #296DC1; font-size: 7.0pt; font-weight: bold; "><font style='white-space: pre-wrap;'>Early redemption payment:</font></FONT></P>
                        </TD>
                        <TD colspan="3" style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; vertical-align: middle; ">
                            <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; line-height: 8.5pt; "><FONT style="font-family: Arial, sans-serif; font-size: 7.0pt; "><font style='white-space: pre-wrap;'>The early redemption payment will be an amount in cash per stated principal amount of</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> </font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 7.0pt; "><font style='white-space: pre-wrap;'>at least $1,109.50, to be determined on the pricing date, as set forth under &#8220;Determination Dates, Early Redemption Date and Early Redemption Payment&#8221; below.</font></FONT></P>
                            <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; line-height: 8.5pt; "><FONT style="font-family: Arial, sans-serif; font-size: 7.0pt; "><font style='white-space: pre-wrap;'>No further payments will be made on the securities once they have been redeemed.</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; background-color: #DCEBF4; ">
                            <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; line-height: 8.5pt; "><FONT style="font-family: Arial, sans-serif; color: #296DC1; font-size: 7.0pt; font-weight: bold; "><font style='white-space: pre-wrap;'>Determination dates:</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; vertical-align: middle; ">
                            <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; line-height: 8.5pt; "><FONT style="font-family: Arial, sans-serif; font-size: 7.0pt; "><font style='white-space: pre-wrap;'>See &#8220;Determination Dates, Early Redemption Date and Early Redemption Payment&#8221; below.</font></FONT></P>
                            <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; line-height: 8.5pt; "><FONT style="font-family: Arial, sans-serif; font-size: 7.0pt; "><font style='white-space: pre-wrap;'>The determination dates are subject to postponement for non-index business days and certain market disruption events.</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; ">
                            <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; line-height: 8.5pt; "><FONT style="font-family: Arial, sans-serif; color: #296DC1; font-size: 7.0pt; font-weight: bold; "><font style='white-space: pre-wrap;'>Early redemption date:</font></FONT></P>
                        </TD>
                        <TD colspan="3" style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; vertical-align: middle; ">
                            <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; line-height: 8.5pt; "><FONT style="font-family: Arial, sans-serif; font-size: 7.0pt; "><font style='white-space: pre-wrap;'>See &#8220;Determination Dates, Early Redemption Date and Early Redemption Payment&#8221; below.  If such day is not a business day, the early redemption payment, if payable, will be paid on the next business day, and no adjustment will be made to the early redemption payment.</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; background-color: #DCEBF4; ">
                            <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; line-height: 8.5pt; "><FONT style="font-family: Arial, sans-serif; color: #296DC1; font-size: 7.0pt; font-weight: bold; "><font style='white-space: pre-wrap;'>Payment at maturity:</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; vertical-align: middle; ">
                            <P style="line-height: 8.5pt; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 7.0pt; "><font style='white-space: pre-wrap;'>If the securities have not previously been redeemed, you will receive at maturity a cash payment per security as follows:</font></FONT></P>
                            <P style="line-height: 8.5pt; margin-top: 0; margin-bottom: 0; margin-left: 16.61pt; text-indent: -10.29pt; "><!--[if IE]<FONT style="display: inline-block; width: 10.29pt; text-indent: -10.29pt; "><![endif]--><FONT style="display: inline-block; width: 10.29pt; text-indent: 0; text-align: left; font-size: 7.0pt; ">&#9679;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-size: 7.0pt; "><font style='white-space: pre-wrap;'>If the final index value is </font></FONT><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 7.0pt; "><font style='white-space: pre-wrap;'>greater than or equal to </font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 7.0pt; "><font style='white-space: pre-wrap;'>the initial index value:</font></FONT><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 7.0pt; "><font style='white-space: pre-wrap;'> </font></FONT></FONT></P>
                            <P style="line-height: 8.5pt; padding-left: 47.52pt; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 7.0pt; "><font style='white-space: pre-wrap;'>$1,000 + ($1,000 &#215; index percent change x 150%)</font></FONT></P>
                            <P style="line-height: 8.5pt; margin-top: 0; margin-bottom: 0; margin-left: 16.61pt; text-indent: -10.29pt; "><!--[if IE]<FONT style="display: inline-block; width: 10.29pt; text-indent: -10.29pt; "><![endif]--><FONT style="display: inline-block; width: 10.29pt; text-indent: 0; text-align: left; font-size: 7.0pt; ">&#9679;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-size: 7.0pt; "><font style='white-space: pre-wrap;'>If the final index value is </font></FONT><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 7.0pt; "><font style='white-space: pre-wrap;'>less than </font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 7.0pt; "><font style='white-space: pre-wrap;'>the initial index value but has not decreased by an amount greater than the buffer amount of 10%:</font></FONT></FONT></P>
                            <P style="line-height: 8.5pt; padding-left: 47.52pt; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 7.0pt; "><font style='white-space: pre-wrap;'>$1,000 + ($1,000 &#215; absolute index return)</font></FONT></P>
                            <P style="line-height: 8.5pt; margin-top: 0; margin-bottom: 0; margin-left: 16.61pt; text-indent: -10.29pt; "><!--[if IE]<FONT style="display: inline-block; width: 10.29pt; text-indent: -10.29pt; "><![endif]--><FONT style="display: inline-block; width: 10.29pt; text-indent: 0; text-align: left; font-size: 7.0pt; ">&#9679;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-size: 7.0pt; "><font style='white-space: pre-wrap;'>If the final index value has decreased by an amount greater than the buffer amount of 10%:</font></FONT></FONT></P>
                            <P style="line-height: 8.5pt; padding-left: 47.52pt; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 7.0pt; "><font style='white-space: pre-wrap;'>$1,000 &#215; (index performance factor + 10%)</font></FONT></P>
                            <P style="line-height: 8.5pt; padding-left: 15.84pt; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 7.0pt; "><font style='white-space: pre-wrap;'>Under these circumstances, the payment at maturity will be less than the stated principal amount of $1,000. However, under no circumstances will the securities pay less than the minimum payment at maturity of $100 per security.</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; min-height: 5.45pt; ">
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; background-color: #FFFFFF; ">
                            <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; line-height: 8.5pt; "><FONT style="font-family: Arial, sans-serif; color: #296DC1; font-size: 7.0pt; font-weight: bold; "><font style='white-space: pre-wrap;'>&nbsp;</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: #FFFFFF; vertical-align: middle; ">
                            <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; line-height: 8.5pt; text-align: right; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-style: italic; font-size: 7.0pt; "><font style='white-space: pre-wrap;'>Terms continued on the following page</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; background-color: #DCEBF4; ">
                            <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; line-height: 8.5pt; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #296DC1; font-size: 7.0pt; "><font style='white-space: pre-wrap;'>Agent:</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; vertical-align: middle; ">
                            <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; line-height: 8.5pt; "><FONT style="font-family: Arial, sans-serif; font-size: 7.0pt; "><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; ">
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; ">
                            <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; line-height: 8.5pt; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #296DC1; font-size: 7.0pt; "><font style='white-space: pre-wrap;'>Estimated value on the pricing date:</font></FONT></P>
                        </TD>
                        <TD colspan="3" style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; vertical-align: middle; ">
                            <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; line-height: 8.5pt; "><FONT style="font-family: Arial, sans-serif; font-size: 7.0pt; "><font style='white-space: pre-wrap;'>Approximately $959.10 per security, or within $35.00 of that estimate.  See &#8220;Investment Summary&#8221; beginning on page 3.</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; min-height: 8.36pt; ">
                        <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: 0.0pt; margin-bottom: 0.0pt; line-height: 8.5pt; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #296DC1; font-size: 7.0pt; "><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: #DCEBF4; ">
                            <P style="line-height: 8.5pt; text-align: center; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #296DC1; font-size: 7.0pt; "><font style='white-space: pre-wrap;'>Price to public</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="line-height: 8.5pt; text-align: center; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #296DC1; font-size: 7.0pt; "><font style='white-space: pre-wrap;'>Agent&#8217;s commissions and fees</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="line-height: 8.5pt; text-align: center; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #296DC1; font-size: 7.0pt; "><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: 8.36pt; ">
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; vertical-align: middle; ">
                            <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; line-height: 8.5pt; padding-left: 73.26pt; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #296DC1; font-size: 7.0pt; "><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; ">
                            <P style="line-height: 8.5pt; text-align: center; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 7.0pt; "><font style='white-space: pre-wrap;'>$1,000</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; ">
                            <P style="line-height: 8.5pt; text-align: center; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 7.0pt; "><font style='white-space: pre-wrap;'>$20</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 5pt; vertical-align: super; "><font style='white-space: pre-wrap;'>(1)</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; ">
                            <P style="line-height: 8.5pt; text-align: center; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 7.0pt; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; min-height: 8.36pt; ">
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; background-color: #DCEBF4; vertical-align: middle; ">
                            <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; line-height: 8.5pt; padding-left: 73.26pt; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #296DC1; font-size: 7.0pt; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; background-color: #DCEBF4; ">
                            <P style="line-height: 8.5pt; text-align: center; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 7.0pt; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; background-color: #DCEBF4; ">
                            <P style="line-height: 8.5pt; text-align: center; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 7.0pt; "><font style='white-space: pre-wrap;'>$5</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 5pt; vertical-align: super; "><font style='white-space: pre-wrap;'>(2)</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="line-height: 8.5pt; text-align: center; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 7.0pt; "><font style='white-space: pre-wrap;'>$975</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; min-height: 8.36pt; ">
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; vertical-align: middle; ">
                            <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; line-height: 8.5pt; padding-left: 73.26pt; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #296DC1; font-size: 7.0pt; "><font style='white-space: pre-wrap;'>Total</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; ">
                            <P style="line-height: 8.5pt; text-align: center; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 7.0pt; "><font style='white-space: pre-wrap;'>$</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; ">
                            <P style="line-height: 8.5pt; text-align: center; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 7.0pt; "><font style='white-space: pre-wrap;'>$</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; ">
                            <P style="line-height: 8.5pt; text-align: center; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 7.0pt; "><font style='white-space: pre-wrap;'>$</font></FONT></P>
                        </TD>
                    </TR>
                </TABLE>
                <P style="margin-bottom: 0.0pt; line-height: 7.5pt; 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; color: #000000; font-size: 6.5pt; ">(1)</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-style: italic; color: #000000; font-size: 6.5pt; "><font style='white-space: pre-wrap;'>Selected dealers, including Morgan Stanley Wealth Management (an affiliate of the agent), and their financial advisors will collectively receive from the agent, MS &amp; Co., a fixed sales commission of $20 for each security they sell.  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: 7.5pt; 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; color: #000000; font-size: 6.5pt; ">(2)</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-style: italic; color: #000000; font-size: 6.5pt; "><font style='white-space: pre-wrap;'>Reflects a structuring fee payable to Morgan Stanley Wealth Management by the agent or its affiliates of $5 for each security.</font></FONT></FONT></P>
                <P style="margin-bottom: 0.0pt; line-height: 7.5pt; 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; color: #000000; font-size: 6.5pt; ">(3)</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-style: italic; color: #000000; font-size: 6.5pt; "><font style='white-space: pre-wrap;'>See &#8220;Use of proceeds and hedging&#8221; on page 20.</font></FONT></FONT></P>
                <P style="margin-top: 0.0pt; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>The securities involve risks not associated with an investment in ordinary debt securities.  See &#8220;Risk Factors&#8221; beginning on page 8.</font></FONT></P>
                <P style="margin-top: 0.0pt; line-height: 7.0pt; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 6.0pt; "><font style='white-space: pre-wrap;'>The Securities 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; line-height: 7.0pt; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 6.0pt; "><font style='white-space: pre-wrap;'>The securities are not 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; line-height: 7.0pt; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; 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 product supplement and index supplement, please note that all references in such supplements 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; line-height: 7.0pt; text-indent: -19.8pt; padding-left: 19.8pt; "><FONT style="font-family: Arial, sans-serif; color: black; font-size: 6.0pt; font-weight: bold; "><font style='white-space: pre-wrap;'>As used in this document, &#8220;we,&#8221; &#8220;us&#8221; and &#8220;our&#8221; refer to Morgan Stanley or MSFL, or Morgan Stanley and MSFL collectively, as the context requires.</font></FONT></P>
                <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; line-height: 7.0pt; text-indent: -19.8pt; padding-left: 19.8pt; "><FONT style="font-family: Arial, sans-serif; color: black; font-size: 6.0pt; font-weight: bold; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
                <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; line-height: 1.2; "><A href="https://www.sec.gov/Archives/edgar/data/895421/000095010323016333/dp202676_424b2-epsacallsec.htm" style="word-break: break-all; "><FONT style="font-weight: bold; color: #0070C0; font-size: 7.0pt; font-family: Arial, sans-serif; text-decoration-style: solid; text-decoration-line: underline; "><U><font style='white-space: pre-wrap;'>Product Supplement for Auto-Callable Securities dated November 16, 2023</font></U></FONT></A><FONT style="font-weight: bold; color: #296DC1; font-size: 7.0pt; text-decoration: none; display: inline-block; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>     &#8203;</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-weight: bold; color: #0070C0; font-size: 7.0pt; font-family: Arial, sans-serif; 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><FONT style="font-weight: bold; color: #296DC1; font-size: 7.0pt; text-decoration: none; display: inline-block; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>      &#8203;</font></FONT><A href="https://www.sec.gov/Archives/edgar/data/895421/000095010324005205/dp209505_424b2-base.htm" style="word-break: break-all; "><FONT style="font-weight: bold; color: #0070C0; font-size: 7.0pt; font-family: Arial, sans-serif; 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: 609.84pt; padding: 0 31.68pt 10.00pt 31.68pt; min-height: 15.84pt; position: relative; ">
                <P style="margin-top: 0; margin-bottom: 0; "><FONT style="font-size: 7.0pt; font-family: Times New Roman, Times, serif; width: 3.28pt; display: inline-block; ">&nbsp;</FONT><FONT style="font-size: 7.0pt; font-family: Times New Roman, Times, serif; "></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: 39.60pt 39.60pt 0 39.60pt; min-height: 10.00pt; position: relative; ">
                <P style="margin-bottom: 0.0pt; text-align: right; margin-top: 0; "><FONT style="color: #595959; font-size: 18.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>Morgan Stanley Finance LLC</font></FONT></P>
                <P style="margin-top: 0.0pt; border-top:  0.50pt solid #296DC1; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 10.0pt; color: #296DC1; "><font style='white-space: pre-wrap;'>Dual Directional Buffered Jump Securities with Auto-Callable Feature due December 2, 2027</font></FONT></P>
                <P style="margin-top: 0.0pt; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #808080; font-size: 7.5pt; "><font style='white-space: pre-wrap;'>All Payments on the Securities Based on the Performance of the Tokyo Stock Price Index</font></FONT></P>
                <P style="margin-bottom: 0.0pt; margin-top: 0; "><FONT style="font-weight: bold; color: #808080; font-size: 7.5pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>Principal at Risk Securities</font></FONT></P>
                <P style="margin-top: 0.0pt; border-top:  0.50pt solid #296DC1; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; color: #296DC1; 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="98.86%" style="margin-left: 0.0pt; width: 98.86%; table-layout: fixed; border-collapse: collapse; ">
                    <TR>
                        <TD width="29.08%" style="width: 29.08%; border: 0; margin: 0; padding: 0; height: 0; ">
                        </TD>
                        <TD width="80.92%" style="width: 80.92%; border: 0; margin: 0; padding: 0; height: 0; ">
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD colspan="2" style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; background-color: #FFFFFF; ">
                            <P style="margin-top: 0.55pt; margin-bottom: 0.55pt; line-height: 8.0pt; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-style: italic; font-size: 7.5pt; "><font style='white-space: pre-wrap;'>Terms </font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 8.0pt; "></FONT><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-style: italic; font-size: 7.5pt; "><font style='white-space: pre-wrap;'>continued from previous page:</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; background-color: #DCEBF4; ">
                            <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; line-height: 8.0pt; "><FONT style="font-family: Arial, sans-serif; color: #296DC1; font-size: 7.5pt; font-weight: bold; "><font style='white-space: pre-wrap;'>Buffer amount:</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: middle; ">
                            <P style="margin-top: 1.1pt; margin-bottom: 1.1pt; line-height: 8.0pt; "><FONT style="font-family: Arial, sans-serif; font-size: 7.5pt; "><font style='white-space: pre-wrap;'>10%. As a result of the buffer amount of 10%, the value at or above which the underlying index must close on the final determination date so that investors do not suffer a loss on their initial investment in the securities is      , which is 90% of the initial index value.</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; ">
                            <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; line-height: 8.0pt; "><FONT style="font-family: Arial, sans-serif; color: #296DC1; font-size: 7.5pt; font-weight: bold; "><font style='white-space: pre-wrap;'>Minimum payment at maturity:</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; vertical-align: middle; ">
                            <P style="margin-top: 1.1pt; margin-bottom: 1.1pt; line-height: 8.0pt; "><FONT style="font-family: Arial, sans-serif; font-size: 7.5pt; "><font style='white-space: pre-wrap;'>$100 per security (10% of the stated principal amount)</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; background-color: #DCEBF4; ">
                            <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; line-height: 8.0pt; "><FONT style="font-family: Arial, sans-serif; color: #296DC1; font-size: 7.5pt; font-weight: bold; "><font style='white-space: pre-wrap;'>Initial index value:</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; background-color: #DCEBF4; vertical-align: middle; ">
                            <P style="margin-top: 1.1pt; margin-bottom: 1.1pt; line-height: 8.0pt; "><FONT style="font-family: Arial, sans-serif; font-size: 7.5pt; "><font style='white-space: pre-wrap;'>       , which is the index closing value on the pricing date</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; min-height: 11.88pt; ">
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; ">
                            <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; line-height: 8.0pt; "><FONT style="font-family: Arial, sans-serif; color: #296DC1; font-size: 7.5pt; font-weight: bold; "><font style='white-space: pre-wrap;'>Final index value: </font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; vertical-align: middle; ">
                            <P style="line-height: 8.0pt; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 7.5pt; "><font style='white-space: pre-wrap;'>The index closing value on the final determination date</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; background-color: #DCEBF4; vertical-align: middle; ">
                            <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; line-height: 8.0pt; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #296DC1; font-size: 7.5pt; "><font style='white-space: pre-wrap;'>Index percent change:</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: middle; ">
                            <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; line-height: 8.0pt; "><FONT style="font-size: 7.5pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>(Final index value &#8211; initial index value) / initial index value</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; vertical-align: middle; ">
                            <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; line-height: 8.0pt; "><FONT style="font-family: Arial, sans-serif; color: #296DC1; font-size: 7.5pt; font-weight: bold; "><font style='white-space: pre-wrap;'>Index performance factor:</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; vertical-align: middle; ">
                            <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; line-height: 8.0pt; "><FONT style="font-size: 7.5pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>Final index value </font></FONT><FONT style="font-style: italic; font-size: 7.5pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>divided by</font></FONT><FONT style="font-size: 7.5pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'> the initial index value</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; background-color: #DCEBF4; vertical-align: middle; ">
                            <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; line-height: 8.0pt; "><FONT style="font-family: Arial, sans-serif; color: #296DC1; font-size: 7.5pt; font-weight: bold; "><font style='white-space: pre-wrap;'>Absolute index return:</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: middle; ">
                            <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; line-height: 8.0pt; "><FONT style="font-size: 7.5pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>The absolute value of the index percent change. For example, a -5% index percent change will result in a +5% absolute index return.</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; min-height: 4.40pt; ">
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; vertical-align: middle; ">
                            <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; line-height: 8.0pt; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #296DC1; font-size: 7.5pt; "><font style='white-space: pre-wrap;'>CUSIP / ISIN:</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; vertical-align: middle; ">
                            <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; line-height: 8.0pt; "><FONT style="font-size: 7.5pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>61779TMU8 / US61779TMU87</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; background-color: #DCEBF4; ">
                            <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; line-height: 8.0pt; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #296DC1; font-size: 7.5pt; "><font style='white-space: pre-wrap;'>Listing:</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: middle; ">
                            <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; line-height: 8.0pt; "><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 7.5pt; "><font style='white-space: pre-wrap;'>The securities will not be listed on any securities exchange.</font></FONT></P>
                        </TD>
                    </TR>
                </TABLE>
                <P style="margin-top: 13.2pt; margin-bottom: 6.6pt; line-height: 1.2; text-align: center; "><FONT style="font-family: Arial, sans-serif; color: #296DC1; font-size: 16.0pt; "><font style='white-space: pre-wrap;'>Determination Dates, Early Redemption Date and Early Redemption Payment</font></FONT></P>
                <TABLE width="99.42%" style="margin-left: 0.0pt; width: 99.42%; table-layout: fixed; border-collapse: collapse; ">
                    <TR>
                        <TD width="24.51%" style="width: 24.51%; border: 0; margin: 0; padding: 0; height: 0; ">
                        </TD>
                        <TD width="13.18%" style="width: 13.18%; border: 0; margin: 0; padding: 0; height: 0; ">
                        </TD>
                        <TD width="0.02%" style="width: 0.02%; border: 0; margin: 0; padding: 0; height: 0; ">
                        </TD>
                        <TD width="24.53%" style="width: 24.53%; border: 0; margin: 0; padding: 0; height: 0; ">
                        </TD>
                        <TD width="11.59%" style="width: 11.59%; border: 0; margin: 0; padding: 0; height: 0; ">
                        </TD>
                        <TD width="0.02%" style="width: 0.02%; border: 0; margin: 0; padding: 0; height: 0; ">
                        </TD>
                        <TD width="36.12%" style="width: 36.12%; border: 0; margin: 0; padding: 0; height: 0; ">
                        </TD>
                        <TD width="0.02%" style="width: 0.02%; border: 0; margin: 0; padding: 0; height: 0; ">
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD colspan="2" style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; border-top:  0.50pt solid #FFFFFF; border-bottom:  0.50pt solid #FFFFFF; border-left:  0.50pt solid #FFFFFF; border-right:  0.50pt solid #FFFFFF; background-color: #296DC1; ">
                            <P style="text-align: center; margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 10.5pt; margin-left: -1.59pt; "><FONT style="font-family: Arial, sans-serif; color: #FFFFFF; font-size: 9.0pt; font-weight: bold; "><font style='white-space: pre-wrap;'>Determination Dates</font></FONT></P>
                        </TD>
                        <TD colspan="3" style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; border-top:  0.50pt solid #FFFFFF; border-bottom:  0.50pt solid #FFFFFF; border-left:  0.50pt solid #FFFFFF; border-right:  0.50pt solid #FFFFFF; background-color: #296DC1; ">
                            <P style="text-align: center; margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 10.5pt; margin-left: -1.59pt; "><FONT style="font-family: Arial, sans-serif; color: #FFFFFF; font-size: 9.0pt; font-weight: bold; "><font style='white-space: pre-wrap;'>Early Redemption Date</font></FONT></P>
                        </TD>
                        <TD colspan="2" style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; border-top:  0.50pt solid #FFFFFF; border-bottom:  0.50pt solid #FFFFFF; border-right:  0.50pt solid #FFFFFF; border-left:  0.50pt solid #FFFFFF; background-color: #296DC1; ">
                            <P style="text-align: center; margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 10.5pt; margin-left: -1.59pt; "><FONT style="font-family: Arial, sans-serif; color: #FFFFFF; font-size: 9.0pt; font-weight: bold; "><font style='white-space: pre-wrap;'>Early Redemption Payment</font></FONT></P>
                            <P style="text-align: center; margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 10.5pt; margin-left: -1.59pt; "><FONT style="font-family: Arial, sans-serif; color: #FFFFFF; font-size: 9.0pt; font-weight: bold; "><font style='white-space: pre-wrap;'>(per $1,000 Security)*</font></FONT></P>
                        </TD>
                        <TD>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; min-height: 15.29pt; ">
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; vertical-align: middle; ">
                            <P style="margin-top: 2.2pt; margin-bottom: 2.2pt; line-height: 9.0pt; "><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>1</font></FONT><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 7pt; vertical-align: super; "><font style='white-space: pre-wrap;'>st</font></FONT><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> determination date: </font></FONT></P>
                        </TD>
                        <TD colspan="2" style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; ">
                            <P style="margin-top: 2.2pt; margin-bottom: 2.2pt; text-align: center; "><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>12/7/2026</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; vertical-align: middle; ">
                            <P style="margin-top: 2.2pt; margin-bottom: 2.2pt; line-height: 9.0pt; "><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Early redemption date: </font></FONT></P>
                        </TD>
                        <TD colspan="2" style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; vertical-align: middle; ">
                            <P style="margin-top: 2.2pt; margin-bottom: 2.2pt; text-align: center; "><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>12/10/2026</font></FONT></P>
                        </TD>
                        <TD colspan="2" style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; ">
                            <P style="margin-top: 2.2pt; margin-bottom: 2.2pt; text-align: center; "><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>At least $1,109.50</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; vertical-align: middle; ">
                            <P style="margin-top: 2.2pt; margin-bottom: 2.2pt; line-height: 9.0pt; "><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Final determination date: </font></FONT></P>
                        </TD>
                        <TD colspan="2" style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; ">
                            <P style="margin-top: 2.2pt; margin-bottom: 2.2pt; text-align: center; "><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>11/29/2027</font></FONT></P>
                        </TD>
                        <TD colspan="3" style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; vertical-align: middle; ">
                            <P style="margin-top: 2.2pt; margin-bottom: 2.2pt; text-align: center; "><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>See &#8220;Maturity date&#8221; above.</font></FONT></P>
                        </TD>
                        <TD colspan="2" style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; vertical-align: middle; ">
                            <P style="margin-top: 2.2pt; margin-bottom: 2.2pt; text-align: center; "><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>See &#8220;Payment at maturity&#8221; above.</font></FONT></P>
                        </TD>
                    </TR>
                </TABLE>
                <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; line-height: 1.35; padding-left: 0.0pt; "><FONT style="color: black; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>*The actual early redemption payment will be determined on the pricing date and will be an amount in cash per stated principal amount corresponding to at least $1,109.50.</font></FONT></P>
            </DIV>
            <DIV style="width: 594.00pt; padding: 0 39.60pt 10.00pt 39.60pt; min-height: 39.60pt; position: relative; ">
                <P style="margin-top: 13.2pt; padding-left: 0.0pt; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; color: #296DC1; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>November 2025</font></FONT><FONT style="font-family: Arial, sans-serif; color: #296DC1; font-size: 8.0pt; width: 446.66pt; display: inline-block; ">&nbsp;</FONT><FONT style="font-family: Arial, sans-serif; color: #296DC1; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>Page </font><FONT>2</FONT></FONT></P>
            </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: 39.60pt 39.60pt 0 39.60pt; min-height: 10.00pt; position: relative; ">
                <P style="margin-bottom: 0.0pt; text-align: right; margin-top: 0; "><FONT style="color: #595959; font-size: 18.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>Morgan Stanley Finance LLC</font></FONT></P>
                <P style="margin-top: 0.0pt; border-top:  0.50pt solid #296DC1; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 10.0pt; color: #296DC1; "><font style='white-space: pre-wrap;'>Dual Directional Buffered Jump Securities with Auto-Callable Feature due December 2, 2027</font></FONT></P>
                <P style="margin-top: 0.0pt; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #808080; font-size: 7.5pt; "><font style='white-space: pre-wrap;'>All Payments on the Securities Based on the Performance of the Tokyo Stock Price Index</font></FONT></P>
                <P style="margin-bottom: 0.0pt; margin-top: 0; "><FONT style="font-weight: bold; color: #808080; font-size: 7.5pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>Principal at Risk Securities</font></FONT></P>
                <P style="margin-top: 0.0pt; border-top:  0.50pt solid #296DC1; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; color: #296DC1; 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: 0.0pt; margin-bottom: 0.0pt; line-height: 1.35; padding-left: 0.0pt; "><FONT style="font-family: Arial, sans-serif; color: #296DC1; font-size: 16.0pt; "><font style='white-space: pre-wrap;'>Investment Summary</font></FONT></P>
                <P style="margin-bottom: 0.0pt; line-height: 1.35; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #296DC1; font-size: 10.5pt; "><font style='white-space: pre-wrap;'>Dual Directional Buffered Jump Securities with Auto-Callable Feature</font></FONT></P>
                <P style="margin-bottom: 0.0pt; line-height: 1.35; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #808080; font-size: 8.5pt; "><font style='white-space: pre-wrap;'>Principal at Risk Securities</font></FONT></P>
                <P style="margin-bottom: 6.6pt; line-height: 11.0pt; margin-top: 0; "><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; color: black; "><font style='white-space: pre-wrap;'>The Dual Directional Buffered Jump Securities with Auto-Callable Feature due December 2, 2027 All Payments on the Securities Based on the Performance of the Tokyo Stock Price Index (the &#8220;securities&#8221;) do not provide for the regular payment of interest.  Instead, </font></FONT><FONT style="font-family: Arial, sans-serif; font-style: normal; font-size: 9.0pt; color: black; "><font style='white-space: pre-wrap;'>the securities will be automatically redeemed if the index closing value of the underlying index on the first determination date is </font></FONT><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-style: normal; font-size: 9.0pt; color: black; "><font style='white-space: pre-wrap;'>greater than or equal to</font></FONT><FONT style="font-family: Arial, sans-serif; font-style: normal; font-size: 9.0pt; color: black; "><font style='white-space: pre-wrap;'> the initial index value, for an early redemption payment of at least $1,109.50</font></FONT><FONT style="font-style: italic; color: #000000; font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'> </font></FONT><FONT style="font-family: Arial, sans-serif; font-style: normal; font-size: 9.0pt; color: black; "><font style='white-space: pre-wrap;'>(to be determined on the pricing date), as described below.  No further payments will be made on the securities once they have been redeemed.  At maturity, if</font></FONT><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; color: black; "><font style='white-space: pre-wrap;'> the securities have not previously been redeemed and the final index value is </font></FONT><FONT style="font-weight: bold; font-size: 9.0pt; font-family: Arial, sans-serif; color: black; "><font style='white-space: pre-wrap;'>greater than or equal to </font></FONT><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; color: black; "><font style='white-space: pre-wrap;'>the initial index value, investors will receive the stated principal amount of their investment </font></FONT><FONT style="font-style: italic; font-size: 9.0pt; font-family: Arial, sans-serif; color: black; "><font style='white-space: pre-wrap;'>plus</font></FONT><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; color: black; "><font style='white-space: pre-wrap;'> a return reflecting 150% of the upside performance of the underlying index.  </font></FONT><FONT style="font-family: Arial, sans-serif; font-style: normal; font-size: 9.0pt; color: black; "><font style='white-space: pre-wrap;'>If</font></FONT><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; color: black; "><font style='white-space: pre-wrap;'> the securities have not previously been redeemed and the final index value is </font></FONT><FONT style="font-weight: bold; font-size: 9.0pt; font-family: Arial, sans-serif; color: black; "><font style='white-space: pre-wrap;'>less than</font></FONT><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; color: black; "><font style='white-space: pre-wrap;'> the initial index value but has not decreased by an amount greater than the specified buffer amount, investors will receive the stated principal amount of their investment plus a positive return based on the absolute value of the performance of the underlying index, which will be effectively limited to a 10% return.  However, if the securities are not redeemed prior to maturity and the final index value is </font></FONT><FONT style="font-weight: bold; font-size: 9.0pt; font-family: Arial, sans-serif; color: black; "><font style='white-space: pre-wrap;'>less</font></FONT><FONT style="font-weight: bold; color: #000000; font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'> than</font></FONT><FONT style="color: #000000; font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'> the initial index value by an amount greater than the specified buffer amount, investors will lose 1% for every 1% decline beyond the specified buffer amount, subject to the minimum payment at maturity of 10% of the stated principal amount.  </font></FONT><FONT style="font-weight: bold; color: #000000; font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>Accordingly,</font></FONT><FONT style="color: #000000; font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>&#160;i</font></FONT><FONT style="font-weight: bold; color: #000000; font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>nvestors may lose up to 90% of the stated principal amount of the securities.&#160;</font></FONT></P>
                <TABLE width="594.00pt" style="margin-left: 0.0pt; width: 594.00pt; table-layout: fixed; border-collapse: collapse; ">
                    <TR>
                        <TD width="113.85pt" style="width: 113.85pt; border: 0; margin: 0; padding: 0; height: 0; ">
                        </TD>
                        <TD width="480.15pt" style="width: 480.15pt; border: 0; margin: 0; padding: 0; height: 0; ">
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; ">
                            <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; line-height: 11.0pt; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #296DC1; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Maturity:</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; ">
                            <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; line-height: 11.0pt; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Approximately 2 years</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; ">
                            <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; line-height: 11.0pt; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #296DC1; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Automatic early redemption:</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; vertical-align: middle; ">
                            <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; line-height: 11.0pt; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>If, on the first determination date, the index closing value of the underlying index is </font></FONT><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>greater than or equal to</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> the initial index value, the securities will be automatically redeemed for the early redemption payment on the early redemption date. </font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; ">
                            <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; line-height: 11.0pt; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #296DC1; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Early redemption payment: </font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; ">
                            <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; line-height: 11.0pt; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>The early redemption payment will be an amount in cash per stated principal amount, as follows*: </font></FONT></P>
                            <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; line-height: 11.0pt; margin-left: 39.60pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; font-size: 9.0pt; ">&#9679;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>1</font></FONT><FONT style="vertical-align: super; font-family: Arial, sans-serif; font-size: 7pt; "><font style='white-space: pre-wrap;'>st</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> determination date: At least $1,109.50</font></FONT></FONT></P>
                            <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; line-height: 11.0pt; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>*The actual early redemption payment will be determined on the pricing date.</font></FONT></P>
                            <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; line-height: 11.0pt; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>No further payments will be made on the securities once they have been redeemed.</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; ">
                            <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; line-height: 11.0pt; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #296DC1; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Payment at maturity:</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; ">
                            <P style="line-height: 11.0pt; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>If the securities have not previously been redeemed, you will receive at maturity a cash payment per security as follows:</font></FONT></P>
                            <P style="line-height: 11.0pt; margin-top: 0; margin-bottom: 0; margin-left: 16.61pt; text-indent: -10.29pt; "><!--[if IE]<FONT style="display: inline-block; width: 10.29pt; text-indent: -10.29pt; "><![endif]--><FONT style="display: inline-block; width: 10.29pt; text-indent: 0; text-align: left; font-size: 9.0pt; ">&#9679;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>If the final index value is </font></FONT><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>greater than or equal to </font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>the initial index value:</font></FONT><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> </font></FONT></FONT></P>
                            <P style="line-height: 11.0pt; padding-left: 47.52pt; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>$1,000 + ($1,000 &#215; index percent change x 150%) </font></FONT></P>
                            <P style="line-height: 11.0pt; margin-top: 0; margin-bottom: 0; margin-left: 16.61pt; text-indent: -10.29pt; "><!--[if IE]<FONT style="display: inline-block; width: 10.29pt; text-indent: -10.29pt; "><![endif]--><FONT style="display: inline-block; width: 10.29pt; text-indent: 0; text-align: left; font-size: 9.0pt; ">&#9679;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>If the final index value is </font></FONT><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>less than </font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>the initial index value but has not decreased by an amount greater than the buffer amount of 10% from the initial index value:</font></FONT></FONT></P>
                            <P style="line-height: 11.0pt; padding-left: 47.52pt; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>$1,000 + ($1,000 &#215; absolute index return)</font></FONT></P>
                            <P style="line-height: 11.0pt; margin-top: 0; margin-bottom: 0; margin-left: 16.61pt; text-indent: -10.29pt; "><!--[if IE]<FONT style="display: inline-block; width: 10.29pt; text-indent: -10.29pt; "><![endif]--><FONT style="display: inline-block; width: 10.29pt; text-indent: 0; text-align: left; font-size: 9.0pt; ">&#9679;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>If the final index value has decreased by an amount greater than the buffer amount of 10% from the initial index value:</font></FONT></FONT></P>
                            <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; line-height: 11.0pt; text-indent: -0.22pt; padding-left: 48.73pt; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>$1,000 &#215; (index performance factor + 10%)  </font></FONT></P>
                            <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; line-height: 11.0pt; "><FONT style="font-weight: bold; font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Under these circumstances, the payment at maturity will be less than the stated principal amount of $1,000.  However, under no circumstances will the securities pay less than the minimum payment at maturity of $100 per security.</font></FONT></P>
                        </TD>
                    </TR>
                </TABLE>
            </DIV>
            <DIV style="width: 594.00pt; padding: 0 39.60pt 10.00pt 39.60pt; min-height: 39.60pt; position: relative; ">
                <P style="margin-top: 13.2pt; padding-left: 0.0pt; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; color: #296DC1; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>November 2025</font></FONT><FONT style="font-family: Arial, sans-serif; color: #296DC1; font-size: 8.0pt; width: 446.66pt; display: inline-block; ">&nbsp;</FONT><FONT style="font-family: Arial, sans-serif; color: #296DC1; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>Page </font><FONT>3</FONT></FONT></P>
            </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: 39.60pt 39.60pt 0 39.60pt; min-height: 10.00pt; position: relative; ">
                <P style="margin-bottom: 0.0pt; text-align: right; margin-top: 0; "><FONT style="color: #595959; font-size: 18.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>Morgan Stanley Finance LLC</font></FONT></P>
                <P style="margin-top: 0.0pt; border-top:  0.50pt solid #296DC1; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 10.0pt; color: #296DC1; "><font style='white-space: pre-wrap;'>Dual Directional Buffered Jump Securities with Auto-Callable Feature due December 2, 2027</font></FONT></P>
                <P style="margin-top: 0.0pt; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #808080; font-size: 7.5pt; "><font style='white-space: pre-wrap;'>All Payments on the Securities Based on the Performance of the Tokyo Stock Price Index</font></FONT></P>
                <P style="margin-bottom: 0.0pt; margin-top: 0; "><FONT style="font-weight: bold; color: #808080; font-size: 7.5pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>Principal at Risk Securities</font></FONT></P>
                <P style="margin-top: 0.0pt; border-top:  0.50pt solid #296DC1; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; color: #296DC1; 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: 6.6pt; margin-bottom: 3.3pt; line-height: 11.0pt; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><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 will be less than $1,000.  We estimate that the value of each security on the pricing date will be approximately $959.10, or within $35.00 of that estimate.  Our estimate of the value of the securities as determined on the pricing date will be set forth in the final pricing supplement. </font></FONT></P>
                <P style="margin-top: 6.6pt; margin-bottom: 3.3pt; 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: 3.3pt; line-height: 11.0pt; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><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 underlying index. The estimated value of the securities is determined using our own pricing and valuation models, market inputs and assumptions relating to the underlying index, instruments based on the underlying index, 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: 3.3pt; 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: 3.3pt; line-height: 11.0pt; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>In determining the economic terms of the securities, including the early redemption payment amount, the buffer amount and the minimum payment at maturity, 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: 3.3pt; 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: 3.3pt; line-height: 11.0pt; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><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 underlying index, 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, for a period of up to 6 months following the issue date, to the extent that MS &amp; Co. may buy or sell the securities in the secondary market, absent changes in market conditions, including those related to the underlying index, 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: 3.3pt; line-height: 1.2; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; color: black; "><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>
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            <DIV style="width: 594.00pt; padding: 0 39.60pt 10.00pt 39.60pt; min-height: 39.60pt; position: relative; ">
                <P style="margin-top: 13.2pt; padding-left: 0.0pt; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; color: #296DC1; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>November 2025</font></FONT><FONT style="font-family: Arial, sans-serif; color: #296DC1; font-size: 8.0pt; width: 446.66pt; display: inline-block; ">&nbsp;</FONT><FONT style="font-family: Arial, sans-serif; color: #296DC1; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>Page </font><FONT>4</FONT></FONT></P>
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            <P></P>
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        <DIV style="margin: auto; width: 673.20pt; padding: 36pt 0; ">
            <DIV style="width: 594.00pt; padding: 39.60pt 39.60pt 0 39.60pt; min-height: 10.00pt; position: relative; ">
                <P style="margin-bottom: 0.0pt; text-align: right; margin-top: 0; "><FONT style="color: #595959; font-size: 18.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>Morgan Stanley Finance LLC</font></FONT></P>
                <P style="margin-top: 0.0pt; border-top:  0.50pt solid #296DC1; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 10.0pt; color: #296DC1; "><font style='white-space: pre-wrap;'>Dual Directional Buffered Jump Securities with Auto-Callable Feature due December 2, 2027</font></FONT></P>
                <P style="margin-top: 0.0pt; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #808080; font-size: 7.5pt; "><font style='white-space: pre-wrap;'>All Payments on the Securities Based on the Performance of the Tokyo Stock Price Index</font></FONT></P>
                <P style="margin-bottom: 0.0pt; margin-top: 0; "><FONT style="font-weight: bold; color: #808080; font-size: 7.5pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>Principal at Risk Securities</font></FONT></P>
                <P style="margin-top: 0.0pt; border-top:  0.50pt solid #296DC1; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; color: #296DC1; 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: 6.6pt; margin-bottom: 3.3pt; line-height: 1.2; "><FONT style="font-weight: bold; color: #296DC1; font-size: 10.5pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>Key Investment Rationale</font></FONT></P>
                <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; color: black; "><font style='white-space: pre-wrap;'>The securities do not provide for the regular payment of interest.  Instead, </font></FONT><FONT style="font-family: Arial, sans-serif; font-style: normal; font-size: 9.0pt; color: black; "><font style='white-space: pre-wrap;'>the securities will be automatically redeemed if the index closing value of the underlying index on the first determination date is </font></FONT><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-style: normal; font-size: 9.0pt; color: black; "><font style='white-space: pre-wrap;'>greater than or equal to</font></FONT><FONT style="font-family: Arial, sans-serif; font-style: normal; font-size: 9.0pt; color: black; "><font style='white-space: pre-wrap;'> the initial index value</font></FONT><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; color: black; "><font style='white-space: pre-wrap;'>.</font></FONT></P>
                <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; color: black; "><font style='white-space: pre-wrap;'>The following scenarios are for illustrative purposes only to demonstrate how an automatic early redemption payment or the payment at maturity (if the securities have not previously been redeemed) are calculated, and do not attempt to demonstrate every situation that may occur.  Accordingly, the securities may or may not be redeemed prior to maturity and the payment at maturity may be less than the stated principal amount of the securities.</font></FONT></P>
                <TABLE width="594.00pt" style="margin-left: 0.0pt; width: 594.00pt; table-layout: fixed; border-collapse: collapse; ">
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                        <TD style="padding-top: 1.59pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 1.59pt; border-bottom:  1.50pt solid #FFFFFF; border-top:  1.50pt solid #FFFFFF; border-left:  1.50pt solid #FFFFFF; border-right:  1.50pt solid #FFFFFF; background-color: #DCEBF4; ">
                            <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 11.0pt; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #296DC1; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Scenario 1: The securities are redeemed prior to maturity</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 1.59pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 1.59pt; border-left:  1.50pt solid #FFFFFF; ">
                            <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;'>If the underlying index closes at or above the initial index value on the first determination date, the securities will be automatically redeemed for the early redemption payment on the early redemption date.  Investors do not participate in any appreciation of the underlying index.</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 1.59pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 1.59pt; border-bottom:  1.50pt solid #FFFFFF; border-top:  1.50pt solid #FFFFFF; border-left:  1.50pt solid #FFFFFF; border-right:  1.50pt solid #FFFFFF; background-color: #DCEBF4; ">
                            <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 11.0pt; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #296DC1; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Scenario 2: The securities are not redeemed prior to maturity, and the underlying index appreciates</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 1.59pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 1.59pt; border-left:  1.50pt solid #FFFFFF; ">
                            <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;'>This scenario assumes that the underlying index closes below the initial index value on the first determination date.  Consequently, the securities are not redeemed prior to maturity.  On the final determination date, the underlying index closes above the initial index value.  At maturity, investors will receive the stated principal amount of their investment </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;'> a return reflecting 150% of the upside performance of the underlying index.  </font></FONT></P>
                        </TD>
                    </TR>
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                        <TD style="padding-top: 1.59pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 1.59pt; border-bottom:  1.50pt solid #FFFFFF; border-top:  1.50pt solid #FFFFFF; border-left:  1.50pt solid #FFFFFF; border-right:  1.50pt solid #FFFFFF; background-color: #DCEBF4; ">
                            <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 11.0pt; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #296DC1; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Scenario 3: The securities are not redeemed prior to maturity, and the final index value of the underlying index is less than the initial index value but greater or equal to than the specified buffer amount</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 1.59pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 1.59pt; border-left:  1.50pt solid #FFFFFF; vertical-align: middle; ">
                            <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;'>This scenario assumes that the underlying index closes below the initial index value on the first determination date.  Consequently, the securities are not redeemed prior to maturity.  On the final determination date, the underlying index closes below the initial index value, but has not decreased by an amount greater than the specified buffer amount of 10%.  At maturity, investors will receive a 1% positive return on the securities for each 1% negative return on the underlying index. For example, if the final index value of the underlying index is 5% less than the initial index value, the securities will provide a total positive return of 5% at maturity. The maximum return investors may receive in this scenario is a positive 10% return at maturity. </font></FONT></P>
                        </TD>
                    </TR>
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                        <TD style="padding-top: 1.59pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 1.59pt; border-bottom:  1.50pt solid #FFFFFF; border-top:  1.50pt solid #FFFFFF; border-left:  1.50pt solid #FFFFFF; border-right:  1.50pt solid #FFFFFF; background-color: #DCEBF4; ">
                            <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 11.0pt; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #296DC1; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Scenario 4: The securities are not redeemed prior to maturity, and investors suffer a loss of principal at maturity</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 1.59pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 1.59pt; border-left:  1.50pt solid #FFFFFF; vertical-align: middle; ">
                            <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;'>This scenario assumes that the underlying index closes below the initial index value on the first determination date.  Consequently, the securities are not redeemed prior to maturity.  On the final determination date, the underlying index closes below the initial index value by an amount greater than the buffer amount of 10%.  At maturity, investors will receive an amount that is less than the stated principal amount by an amount that is proportionate to the percentage decrease of the underlying index from the initial index value beyond the buffer amount.  Under these circumstances, the payment at maturity will be less than the stated principal amount. Investors may lose up to 90% of their investment in the securities.</font></FONT></P>
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                <P style="margin-bottom: 2.2pt; line-height: 9.0pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-style: normal; font-size: 8.0pt; color: black; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
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            <DIV style="width: 594.00pt; padding: 0 39.60pt 10.00pt 39.60pt; min-height: 39.60pt; position: relative; ">
                <P style="margin-top: 13.2pt; padding-left: 0.0pt; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; color: #296DC1; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>November 2025</font></FONT><FONT style="font-family: Arial, sans-serif; color: #296DC1; font-size: 8.0pt; width: 446.66pt; display: inline-block; ">&nbsp;</FONT><FONT style="font-family: Arial, sans-serif; color: #296DC1; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>Page </font><FONT>5</FONT></FONT></P>
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            <P></P>
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        <DIV style="margin: auto; width: 673.20pt; padding: 36pt 0; ">
            <DIV style="width: 594.00pt; padding: 39.60pt 39.60pt 0 39.60pt; min-height: 10.00pt; position: relative; ">
                <P style="margin-bottom: 0.0pt; text-align: right; margin-top: 0; "><FONT style="color: #595959; font-size: 18.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>Morgan Stanley Finance LLC</font></FONT></P>
                <P style="margin-top: 0.0pt; border-top:  0.50pt solid #296DC1; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 10.0pt; color: #296DC1; "><font style='white-space: pre-wrap;'>Dual Directional Buffered Jump Securities with Auto-Callable Feature due December 2, 2027</font></FONT></P>
                <P style="margin-top: 0.0pt; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #808080; font-size: 7.5pt; "><font style='white-space: pre-wrap;'>All Payments on the Securities Based on the Performance of the Tokyo Stock Price Index</font></FONT></P>
                <P style="margin-bottom: 0.0pt; margin-top: 0; "><FONT style="font-weight: bold; color: #808080; font-size: 7.5pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>Principal at Risk Securities</font></FONT></P>
                <P style="margin-top: 0.0pt; border-top:  0.50pt solid #296DC1; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; color: #296DC1; 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: 0.0pt; margin-bottom: 6.6pt; padding-left: 0.0pt; "><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: 3.3pt; margin-bottom: 3.3pt; line-height: 11.0pt; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>The following hypothetical examples are for illustrative purposes only.  Whether the securities are redeemed prior to maturity will be determined by reference to the index closing value on the first determination date, and the payment at maturity will be determined by reference to the index closing value on the final determination date.  The actual early redemption payment and initial index value will be determined on the pricing date.  Some numbers appearing in the examples below have been rounded for ease of analysis.  All payments on the securities are subject to our credit risk.  The below examples are based on the following terms:</font></FONT></P>
                <TABLE width="98.08%" style="margin-left: -1.38pt; width: 98.08%; table-layout: fixed; border-collapse: collapse; ">
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                    <TR style="vertical-align: top; min-height: 8.31pt; ">
                        <TD style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; background-color: #DCEBF4; ">
                            <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 11.0pt; "><FONT style="font-family: Arial, sans-serif; font-weight: normal; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Hypothetical Early Redemption Payment:</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; background-color: #DCEBF4; vertical-align: middle; ">
                            <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 11.0pt; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>The hypothetical early redemption payment will be an amount in cash per stated principal amount, as follows:</font></FONT></P>
                            <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 11.0pt; margin-left: 39.60pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; font-size: 9.0pt; ">&#9679;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>1</font></FONT><FONT style="vertical-align: super; font-family: Arial, sans-serif; font-size: 7pt; "><font style='white-space: pre-wrap;'>st</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> determination date: $1,109.50</font></FONT></FONT></P>
                            <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 11.0pt; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>No further payments will be made on the securities once they have been redeemed.</font></FONT></P>
                        </TD>
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                    <TR style="vertical-align: top; min-height: 8.31pt; ">
                        <TD style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; ">
                            <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 11.0pt; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Payment at Maturity</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; vertical-align: middle; ">
                            <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 11.0pt; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>If the securities have not previously been redeemed, you will receive at maturity a cash payment per security as follows:</font></FONT></P>
                            <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 11.0pt; margin-left: 16.61pt; text-indent: -10.29pt; "><!--[if IE]<FONT style="display: inline-block; width: 10.29pt; text-indent: -10.29pt; "><![endif]--><FONT style="display: inline-block; width: 10.29pt; text-indent: 0; text-align: left; font-size: 9.0pt; ">&#9679;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>If the final index value is </font></FONT><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>greater than or equal to </font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>the initial index value:</font></FONT><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> </font></FONT></FONT></P>
                            <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 11.0pt; padding-left: 47.52pt; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>$1,000 + ($1,000 &#215; index percent change x 150%) </font></FONT></P>
                            <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 11.0pt; margin-left: 16.61pt; text-indent: -10.29pt; "><!--[if IE]<FONT style="display: inline-block; width: 10.29pt; text-indent: -10.29pt; "><![endif]--><FONT style="display: inline-block; width: 10.29pt; text-indent: 0; text-align: left; font-size: 9.0pt; ">&#9679;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>If the final index value is </font></FONT><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>less than </font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>the initial index value but has not decreased by an amount greater than the buffer amount of 10%:</font></FONT></FONT></P>
                            <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 11.0pt; padding-left: 47.52pt; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>$1,000 + ($1,000 &#215; absolute index return)</font></FONT></P>
                            <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 11.0pt; margin-left: 16.61pt; text-indent: -10.29pt; "><!--[if IE]<FONT style="display: inline-block; width: 10.29pt; text-indent: -10.29pt; "><![endif]--><FONT style="display: inline-block; width: 10.29pt; text-indent: 0; text-align: left; font-size: 9.0pt; ">&#9679;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>If the final index value has decreased by an amount greater than the buffer amount of 10%:</font></FONT></FONT></P>
                            <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 11.0pt; text-indent: 48.51pt; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>$1,000 &#215; (index performance factor + 10%).  </font></FONT></P>
                            <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 11.0pt; "><FONT style="font-weight: bold; font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Under these circumstances, the payment at maturity will be less than the stated principal amount of $1,000.  However, under no circumstances will the securities pay less than the minimum payment at maturity of $100 per security.</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; min-height: 8.31pt; ">
                        <TD style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; background-color: #DCEBF4; ">
                            <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 11.0pt; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Stated Principal Amount:</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; background-color: #DCEBF4; vertical-align: middle; ">
                            <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 11.0pt; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>$1,000</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; min-height: 8.31pt; ">
                        <TD style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; ">
                            <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 11.0pt; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Hypothetical Initial Index Value:</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; vertical-align: middle; ">
                            <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 11.0pt; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>3,300</font></FONT></P>
                        </TD>
                    </TR>
                </TABLE>
                <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; font-weight: bold; font-size: 9.0pt; text-decoration-style: solid; text-decoration-line: underline; "><U><font style='white-space: pre-wrap;'>Automatic Call:</font></U></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; font-weight: bold; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Example 1 &#8212; the securities are redeemed following the first determination date</font></FONT></P>
                <TABLE width="594.00pt" style="margin-left: 0.0pt; width: 594.00pt; table-layout: fixed; border-collapse: collapse; ">
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                        <TD width="198.00pt" style="width: 198.00pt; border: 0; margin: 0; padding: 0; height: 0; ">
                        </TD>
                        <TD width="198.00pt" style="width: 198.00pt; border: 0; margin: 0; padding: 0; height: 0; ">
                        </TD>
                        <TD width="198.00pt" style="width: 198.00pt; border: 0; margin: 0; padding: 0; height: 0; ">
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; ">
                            <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 11.0pt; text-indent: 0.0pt; text-align: center; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Date</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; ">
                            <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 11.0pt; text-indent: 2.37pt; text-align: center; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Index Closing Value</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; ">
                            <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 11.0pt; text-indent: 0.33pt; text-align: center; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Payment (per Security)</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; vertical-align: middle; ">
                            <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 11.0pt; text-indent: 0.0pt; text-align: center; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>1</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 7pt; vertical-align: super; "><font style='white-space: pre-wrap;'>st</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> Determination Date</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; vertical-align: middle; ">
                            <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 11.0pt; text-indent: 2.37pt; text-align: center; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>3,600 (</font></FONT><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>at or above</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> the initial index value)</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; vertical-align: middle; ">
                            <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 11.0pt; text-indent: 0.33pt; text-align: center; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>$1,109.50</font></FONT></P>
                        </TD>
                    </TR>
                </TABLE>
                <P style="margin-top: 6.6pt; margin-bottom: 3.3pt; line-height: 11.0pt; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>In this example, on the first determination date, the index closing value is at or above the initial index value of the underlying index.  Therefore, the securities are automatically redeemed on the early redemption date.  Investors will receive a payment of $1,109.50 per security on the early redemption date.  No further payments will be made on the securities once they have been redeemed, and investors do not participate in the appreciation of the underlying index.</font></FONT></P>
            </DIV>
            <DIV style="width: 594.00pt; padding: 0 39.60pt 10.00pt 39.60pt; min-height: 39.60pt; position: relative; ">
                <P style="margin-top: 13.2pt; padding-left: 0.0pt; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; color: #296DC1; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>November 2025</font></FONT><FONT style="font-family: Arial, sans-serif; color: #296DC1; font-size: 8.0pt; width: 446.66pt; display: inline-block; ">&nbsp;</FONT><FONT style="font-family: Arial, sans-serif; color: #296DC1; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>Page </font><FONT>6</FONT></FONT></P>
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        <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: 39.60pt 39.60pt 0 39.60pt; min-height: 10.00pt; position: relative; ">
                <P style="margin-bottom: 0.0pt; text-align: right; margin-top: 0; "><FONT style="color: #595959; font-size: 18.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>Morgan Stanley Finance LLC</font></FONT></P>
                <P style="margin-top: 0.0pt; border-top:  0.50pt solid #296DC1; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 10.0pt; color: #296DC1; "><font style='white-space: pre-wrap;'>Dual Directional Buffered Jump Securities with Auto-Callable Feature due December 2, 2027</font></FONT></P>
                <P style="margin-top: 0.0pt; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #808080; font-size: 7.5pt; "><font style='white-space: pre-wrap;'>All Payments on the Securities Based on the Performance of the Tokyo Stock Price Index</font></FONT></P>
                <P style="margin-bottom: 0.0pt; margin-top: 0; "><FONT style="font-weight: bold; color: #808080; font-size: 7.5pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>Principal at Risk Securities</font></FONT></P>
                <P style="margin-top: 0.0pt; border-top:  0.50pt solid #296DC1; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; color: #296DC1; 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: 6.6pt; margin-bottom: 3.3pt; line-height: 11.0pt; "><FONT style="font-family: Arial, sans-serif; color: #296DC1; font-size: 11.0pt; "><font style='white-space: pre-wrap;'>How to calculate the payment at maturity:</font></FONT></P>
                <P style="margin-top: 6.6pt; margin-bottom: 3.3pt; line-height: 11.0pt; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>In the following examples, the underlying index closes below the initial index value on the first determination date, and, consequently, the securities are not automatically redeemed prior to, and remain outstanding until, maturity.</font></FONT></P>
                <TABLE width="601.92pt" style="margin-left: 0.0pt; width: 601.92pt; table-layout: fixed; border-collapse: collapse; ">
                    <TR>
                        <TD width="63.36pt" style="width: 63.36pt; border: 0; margin: 0; padding: 0; height: 0; ">
                        </TD>
                        <TD width="269.28pt" style="width: 269.28pt; border: 0; margin: 0; padding: 0; height: 0; ">
                        </TD>
                        <TD width="269.28pt" style="width: 269.28pt; border: 0; margin: 0; padding: 0; height: 0; ">
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; min-height: 28.66pt; ">
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; ">
                            <P style="margin-top: 2.2pt; margin-bottom: 2.2pt; line-height: 11.0pt; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; ">
                            <P style="margin-top: 2.2pt; margin-bottom: 2.2pt; line-height: 11.0pt; text-align: center; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Index Final Index Value</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; ">
                            <P style="margin-bottom: 3.3pt; line-height: 11.0pt; text-align: center; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Payment at Maturity (per Security)</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; min-height: 29.37pt; ">
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; ">
                            <P style="margin-top: 2.2pt; margin-bottom: 2.2pt; line-height: 11.0pt; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Example 1:</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: 2.2pt; margin-bottom: 2.2pt; line-height: 11.0pt; text-align: center; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>3,630 (</font></FONT><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>at or</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> </font></FONT><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>above</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> the</font></FONT><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> </font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>initial index value)</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; ">
                            <P style="margin-bottom: 3.3pt; line-height: 11.0pt; text-align: center; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>$1,000 + ($1,000 &#215; 10% x 150%) = $1,150</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; min-height: 43.07pt; ">
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; ">
                            <P style="margin-top: 2.2pt; margin-bottom: 2.2pt; line-height: 11.0pt; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Example 2:</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: 2.2pt; margin-bottom: 2.2pt; line-height: 11.0pt; text-align: center; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>3,135 (</font></FONT><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>below</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> the</font></FONT><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> </font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>initial index value but has not decreased from the initial index value by an amount greater than the buffer amount of 10%)</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-bottom: 3.3pt; line-height: 11.0pt; text-align: center; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>$1,000 + ($1,000 &#215; 5%) = $1,050</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; min-height: 2.86pt; ">
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; ">
                            <P style="margin-top: 2.2pt; margin-bottom: 2.2pt; line-height: 11.0pt; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Example 3:</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: 2.2pt; margin-bottom: 2.2pt; line-height: 11.0pt; text-align: center; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>990 (</font></FONT><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>below</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> the</font></FONT><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> </font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>initial index value and has decreased from the initial index value by an amount greater than the buffer amount of 10%)</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-bottom: 3.3pt; line-height: 11.0pt; text-align: center; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>$1,000 &#215; [(990 / 3,300) + 10%] = $400</font></FONT></P>
                        </TD>
                    </TR>
                </TABLE>
                <P style="margin-top: 6.6pt; margin-bottom: 3.3pt; line-height: 11.0pt; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>In example 1, the final index value is at or above the initial index value.  Therefore, investors receive at maturity the stated principal amount </font></FONT><FONT style="font-family: Arial, sans-serif; font-style: italic; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>plus </font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>a return reflecting 150% of the appreciation of the underlying index. Investors receive $1,150 per security at maturity.</font></FONT></P>
                <P style="margin-top: 6.6pt; margin-bottom: 3.3pt; line-height: 11.0pt; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>In example 2, the final index value has decreased from the initial index value but not by an amount greater than the buffer amount of 10%.  Therefore, investors receive the stated principal amount plus a return reflecting the absolute value of the performance of the underlying index. Investors receive $1,050 per security at maturity.  In this example, investors receive a positive return even though the underlying index declined by 5% due to the absolute return feature of the securities and because the underlying index has not declined beyond the specified buffer amount.</font></FONT></P>
                <P style="margin-top: 6.6pt; margin-bottom: 3.3pt; line-height: 11.0pt; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>In example 3, </font></FONT><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>the final in</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>dex value has decreased from the initial index value by an amount greater than the buffer amount of 10%. Because the underlying index has declined below its specified buffer amount, the absolute return feature is no longer available and, investors are exposed to the downside performance of the underlying index at maturity beyond the buffer amount.  Therefore, investors receive a payment at maturity of $400 per security.</font></FONT></P>
                <P style="margin-top: 6.6pt; margin-bottom: 3.3pt; line-height: 11.0pt; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>If the securities are not redeemed prior to maturity and the final index value has decreased by more than the buffer amount of 10%, you will be exposed to the downside performance of the underlying index beyond the specified buffer amount, and your payment at maturity will be less than the stated principal amount.  Under these circumstances, you will lose some, and up to 90%, of your investment in the securities.</font></FONT></P>
                <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 11.0pt; "><FONT style="color: #296DC1; font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
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                <P style="margin-top: 13.2pt; padding-left: 0.0pt; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; color: #296DC1; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>November 2025</font></FONT><FONT style="font-family: Arial, sans-serif; color: #296DC1; font-size: 8.0pt; width: 446.66pt; display: inline-block; ">&nbsp;</FONT><FONT style="font-family: Arial, sans-serif; color: #296DC1; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>Page </font><FONT>7</FONT></FONT></P>
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            <DIV style="width: 594.00pt; padding: 39.60pt 39.60pt 0 39.60pt; min-height: 10.00pt; position: relative; ">
                <P style="margin-bottom: 0.0pt; text-align: right; margin-top: 0; "><FONT style="color: #595959; font-size: 18.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>Morgan Stanley Finance LLC</font></FONT></P>
                <P style="margin-top: 0.0pt; border-top:  0.50pt solid #296DC1; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 10.0pt; color: #296DC1; "><font style='white-space: pre-wrap;'>Dual Directional Buffered Jump Securities with Auto-Callable Feature due December 2, 2027</font></FONT></P>
                <P style="margin-top: 0.0pt; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #808080; font-size: 7.5pt; "><font style='white-space: pre-wrap;'>All Payments on the Securities Based on the Performance of the Tokyo Stock Price Index</font></FONT></P>
                <P style="margin-bottom: 0.0pt; margin-top: 0; "><FONT style="font-weight: bold; color: #808080; font-size: 7.5pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>Principal at Risk Securities</font></FONT></P>
                <P style="margin-top: 0.0pt; border-top:  0.50pt solid #296DC1; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; color: #296DC1; font-size: 12.0pt; ">&nbsp;</FONT></P>
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                <P style="margin-bottom: 6.6pt; margin-top: 0; "><FONT style="color: #296DC1; font-size: 16.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>Risk Factors</font></FONT></P>
                <P style="margin-bottom: 6.6pt; line-height: 11.0pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; font-style: italic; color: black; "><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, index 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-bottom: 7.26pt; line-height: 12.0pt; margin-top: 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 Securities</font></U></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 do not pay interest and provide a minimum payment at maturity of only 10% of your principal.&#160;</font></FONT><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>The terms of the securities differ from those of ordinary debt securities in that they do not pay interest and provide a minimum payment at maturity of only 10% of the stated principal amount of the securities. If the securities have not been automatically redeemed prior to maturity and the final index value has decreased from the initial index value by an amount greater than the buffer amount of 10%, the absolute return feature will no longer be available and you will be exposed to the decline in the value of the underlying index, as compared to the initial index value, beyond the buffer amount, and you will receive for each security that you hold at maturity an amount that is less than the stated principal amount.  </font></FONT><FONT style="font-weight: bold; font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>You could lose up to 90% of your investment.</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-family: Arial, sans-serif; font-size: 9.0pt; font-weight: bold; "><font style='white-space: pre-wrap;'>If the securities are redeemed prior to maturity, the appreciation potential of the securities is limited by the fixed early redemption payment specified for the first determination date.</font></FONT><FONT style="font-family: Arial, sans-serif; font-weight: normal; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>  If the underlying index closes at or above the initial index value on the first determination date, the securities will be automatically redeemed.  In this scenario, the appreciation potential of the securities is limited to the fixed early redemption payment specified for the first determination date, and no further payments will be made on the securities once they have been redeemed.  </font></FONT><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>In addition, if the securities are redeemed prior to maturity, </font></FONT><FONT style="font-family: Arial, sans-serif; font-weight: normal; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>you will not participate in any appreciation of the underlying index, which could be significant.  Moreover, the fixed early redemption payment</font></FONT><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'> </font></FONT><FONT style="font-family: Arial, sans-serif; font-weight: normal; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>may be less than the payment at maturity you would receive for the same level of appreciation of the</font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 9.0pt; "><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;'>underlying index had the securities not been automatically redeemed and instead remained outstanding until maturity.</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-size: 9.0pt; font-weight: bold; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>The market price will be influenced by many unpredictable factors.</font></FONT><FONT style="font-family: Arial, sans-serif; font-weight: normal; font-size: 9.0pt; "><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 level of interest rates available in the market and the value of the </font></FONT><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>underlying index</font></FONT><FONT style="font-family: Arial, sans-serif; font-weight: normal; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> on any day, including in relation to the initial index value, will affect the value of the securities more than any other factors.  Other factors that may influence the value of the securities include:</font></FONT></FONT></P>
                <P style="margin-top: 6.6pt; line-height: 11.0pt; margin-bottom: 0; margin-left: 79.20pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; font-family: Times New Roman, Times, serif; font-size: 9.0pt; ">o</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-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 underlying index,</font></FONT></FONT></P>
                <P style="margin-top: 6.6pt; line-height: 11.0pt; margin-bottom: 0; margin-left: 79.20pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; font-family: Times New Roman, Times, serif; font-size: 9.0pt; ">o</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-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 component stocks of the underlying index or securities markets generally and which may affect the value of the underlying index,</font></FONT></FONT></P>
                <P style="margin-top: 6.6pt; line-height: 11.0pt; margin-bottom: 0; margin-left: 79.20pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; font-family: Times New Roman, Times, serif; font-size: 9.0pt; ">o</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>dividend rates on the securities underlying the </font></FONT><FONT style="font-family: Arial, sans-serif; font-weight: normal; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>underlying</font></FONT><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'> index,</font></FONT></FONT></P>
                <P style="margin-top: 6.6pt; line-height: 11.0pt; margin-bottom: 0; margin-left: 79.20pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; font-family: Times New Roman, Times, serif; font-size: 9.0pt; ">o</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>the time remaining until the securities mature,</font></FONT></FONT></P>
                <P style="margin-top: 6.6pt; line-height: 11.0pt; margin-bottom: 0; margin-left: 79.20pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; font-family: Times New Roman, Times, serif; font-size: 9.0pt; ">o</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-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: 6.6pt; line-height: 11.0pt; margin-bottom: 0; margin-left: 79.20pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; font-family: Times New Roman, Times, serif; font-size: 9.0pt; ">o</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-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: 6.6pt; line-height: 11.0pt; margin-bottom: 0; margin-left: 79.20pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; font-family: Times New Roman, Times, serif; font-size: 9.0pt; ">o</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>the composition of the underlying index and changes in the constituent stocks of such index, and</font></FONT></FONT></P>
                <P style="margin-top: 6.6pt; line-height: 11.0pt; margin-bottom: 0; margin-left: 79.20pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; font-family: Times New Roman, Times, serif; font-size: 9.0pt; ">o</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-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; line-height: 11.0pt; padding-left: 19.8pt; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: normal; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>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. Some or all of these factors will influence the price that you will receive if you sell your securities prior to maturity</font></FONT><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>. For example, you may have to sell your securities at a substantial discount from the stated principal amount of $1,000 per security if the price of the underlying index at the time of sale is near or below 90% of the initial index value or if market interest rates rise.</font></FONT></P>
                <P style="margin-top: 6.6pt; line-height: 11.0pt; padding-left: 19.8pt; margin-bottom: 0; "><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>You cannot predict the future performance of the underlying index based on its historical performance. If the final index value is less than 90% of the initial index value, you will be exposed on a 1-to-1 basis to the decline in the final index value beyond the buffer amount.  There can be no assurance that you will not lose some or a significant portion of your investment.  </font></FONT><FONT style="font-weight: normal; font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>See</font></FONT><FONT style="font-size: 9.0pt; font-weight: bold; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'> </font></FONT><FONT style="font-weight: normal; font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>&#8220;</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Tokyo Stock Price Index Overview&#8221;</font></FONT><FONT style="font-weight: normal; font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'> below</font></FONT><FONT style="font-size: 9.0pt; font-weight: bold; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>.</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 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 upon an early redemption or at maturity and therefore you are subject to our credit risk.  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.  Any actual or </font></FONT></FONT></P>
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                <P style="margin-top: 13.2pt; padding-left: 0.0pt; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; color: #296DC1; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>November 2025</font></FONT><FONT style="font-family: Arial, sans-serif; color: #296DC1; font-size: 8.0pt; width: 446.66pt; display: inline-block; ">&nbsp;</FONT><FONT style="font-family: Arial, sans-serif; color: #296DC1; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>Page </font><FONT>8</FONT></FONT></P>
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            <DIV style="width: 594.00pt; padding: 39.60pt 39.60pt 0 39.60pt; min-height: 10.00pt; position: relative; ">
                <P style="margin-bottom: 0.0pt; text-align: right; margin-top: 0; "><FONT style="color: #595959; font-size: 18.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>Morgan Stanley Finance LLC</font></FONT></P>
                <P style="margin-top: 0.0pt; border-top:  0.50pt solid #296DC1; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 10.0pt; color: #296DC1; "><font style='white-space: pre-wrap;'>Dual Directional Buffered Jump Securities with Auto-Callable Feature due December 2, 2027</font></FONT></P>
                <P style="margin-top: 0.0pt; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #808080; font-size: 7.5pt; "><font style='white-space: pre-wrap;'>All Payments on the Securities Based on the Performance of the Tokyo Stock Price Index</font></FONT></P>
                <P style="margin-bottom: 0.0pt; margin-top: 0; "><FONT style="font-weight: bold; color: #808080; font-size: 7.5pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>Principal at Risk Securities</font></FONT></P>
                <P style="margin-top: 0.0pt; border-top:  0.50pt solid #296DC1; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; color: #296DC1; 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: 11.0pt; margin-bottom: 0; margin-left: 19.80pt; "><FONT><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>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; 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;'>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; 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; background-color: #FFFFFF; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>Not equivalent to investing in the underlying index.</font></FONT><FONT style="font-size: 9.0pt; background-color: #FFFFFF; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>  Investing in the securities is not equivalent to investing in the underlying index or its component stocks.  Investors in the securities will not have voting rights or rights to receive dividends or other distributions or any other rights with respect to stocks that constitute the underlying index.</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-size: 9.0pt; font-weight: bold; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>Reinvestment risk.</font></FONT><FONT style="font-weight: normal; font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>  The term of your investment in the securities may be shortened due to the automatic early redemption feature of the securities.  If the securities are redeemed prior to maturity, you will receive no further payments on the securities and may be forced to invest in a lower interest rate environment and may not be able to reinvest at comparable terms or returns.  However, under no circumstances will the securities be redeemed at any point other than the specified early redemption date.</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 will not be listed on any securities exchange and secondary trading may be limited, and accordingly, you should be willing to hold your securities for the entire 2-year term of the securities.</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; 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 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-weight: normal; 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;'>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; line-height: 11.0pt; padding-left: 19.8pt; margin-bottom: 0; "><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; line-height: 11.0pt; padding-left: 19.8pt; margin-bottom: 0; "><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, for a period of up to 6 months following the issue date, to the extent that MS &amp; Co. may buy or sell the securities in the secondary market, absent changes in market conditions, including those related to the underlying index, 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; 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 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 </font></FONT></FONT></P>
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                <P style="margin-top: 13.2pt; padding-left: 0.0pt; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; color: #296DC1; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>November 2025</font></FONT><FONT style="font-family: Arial, sans-serif; color: #296DC1; font-size: 8.0pt; width: 446.66pt; display: inline-block; ">&nbsp;</FONT><FONT style="font-family: Arial, sans-serif; color: #296DC1; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>Page </font><FONT>9</FONT></FONT></P>
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            <DIV style="width: 594.00pt; padding: 39.60pt 39.60pt 0 39.60pt; min-height: 10.00pt; position: relative; ">
                <P style="margin-bottom: 0.0pt; text-align: right; margin-top: 0; "><FONT style="color: #595959; font-size: 18.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>Morgan Stanley Finance LLC</font></FONT></P>
                <P style="margin-top: 0.0pt; border-top:  0.50pt solid #296DC1; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 10.0pt; color: #296DC1; "><font style='white-space: pre-wrap;'>Dual Directional Buffered Jump Securities with Auto-Callable Feature due December 2, 2027</font></FONT></P>
                <P style="margin-top: 0.0pt; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #808080; font-size: 7.5pt; "><font style='white-space: pre-wrap;'>All Payments on the Securities Based on the Performance of the Tokyo Stock Price Index</font></FONT></P>
                <P style="margin-bottom: 0.0pt; margin-top: 0; "><FONT style="font-weight: bold; color: #808080; font-size: 7.5pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>Principal at Risk Securities</font></FONT></P>
                <P style="margin-top: 0.0pt; border-top:  0.50pt solid #296DC1; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; color: #296DC1; 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: 11.0pt; margin-bottom: 0; margin-left: 19.80pt; "><FONT><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>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 will be influenced by many unpredictable factors&#8221; above.</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;'>Hedging and trading activity by our affiliates could potentially affect the value of the securities.</font></FONT><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>  One or more of our affiliates and/or third-party dealers expect to carry out hedging activities related to the securities (and to other instruments linked to the underlying index or its component stocks), including trading in the stocks that constitute the underlying index as well as in other instruments related to the underlying index.  As a result, these entities may be unwinding or adjusting hedge positions during the term of the securities, and the hedging strategy may involve greater and more frequent dynamic adjustments to the hedge as the final determination date approaches.  Some of our affiliates also trade the stocks that constitute the underlying index and other financial instruments related to the underlying index on a regular basis as part of their general broker-dealer and other businesses.  Any of these hedging or trading activities on or prior to the pricing date could potentially increase the initial index value, and, therefore, could increase (i) the value at or above which the underlying index must close on the first determination date so that the securities are redeemed prior to maturity for the early redemption payment and (ii) the value at or above which the underlying index must close on the final determination date so that you are not exposed to the negative performance of the underlying index at maturity.  Additionally, such hedging or trading activities during the term of the securities could potentially affect the value of the underlying index on the determination dates, and, accordingly, whether we redeem the securities prior to maturity and the amount of cash you will receive at maturity.</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 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-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>  As calculation agent, MS &amp; Co. will determine the initial index value, the final index value, whether the securities will be redeemed on the early redemption date and the payment at maturity.  Moreover, certain determinations made by MS &amp; Co., in its capacity as calculation agent, may require it to exercise discretion and make subjective judgments, such as with respect to the occurrence or non-occurrence of market disruption events and the selection of a successor index or calculation of an index closing value in the event of a market disruption event or discontinuance of the underlying index.  These potentially subjective determinations may affect the payout to you upon an early redemption or at maturity.  For further information regarding these types of determinations, see &#8220;Description of Auto-Callable Securities&#8212;Postponement of Determination Dates,&#8221; &#8220;&#8212;Alternate Exchange Calculation in Case of an Event of Default,&#8221; &#8220;&#8212;Discontinuance of Any Underlying Index; Alteration of Method of Calculation&#8221; and &#8220;&#8212;Calculation Agent and Calculations&#8221; in the accompanying product supplement.  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; 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 U.S. federal income tax consequences of an investment in the securities are uncertain.</font></FONT><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>  Please read the discussion under &#8220;Additional Information - Tax considerations&#8221; in this document and the discussion under &#8220;United States Federal Taxation&#8221; in the accompanying product supplement for auto-callable securities (together, the &#8220;Tax Disclosure Sections&#8221;) concerning the U.S. federal income tax consequences of an investment in the securities.  There is no direct legal authority regarding the proper U.S. federal tax treatment of the securities, and we do not plan to request a ruling from the Internal Revenue Service (the &#8220;IRS&#8221;).  Consequently, significant aspects of the tax treatment of the securities are uncertain, and the IRS or a court might not agree with the tax treatment of a security as a single financial contract that is an &#8220;open transaction&#8221; for U.S. federal income tax purposes.  If the IRS were successful in asserting an alternative treatment of the securities, the tax consequences of the ownership and disposition of the securities, including the timing and character of income recognized by U.S. Holders and the withholding tax consequences to Non-U.S. Holders, might be materially and adversely affected.  For example, due to the terms of the securities and current market conditions, there is a substantial risk that the IRS could seek to recharacterize the securities as debt instruments.  Moreover, future legislation, Treasury regulations or IRS guidance could adversely affect the U.S. federal tax treatment of the securities, possibly retroactively.  </font></FONT></FONT></P>
                <P style="margin-top: 6.6pt; line-height: 11.0pt; padding-left: 19.8pt; margin-bottom: 0; "><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>Both U.S. and Non-U.S. Holders should consult their tax advisers regarding the U.S. federal income tax consequences of an investment in the securities, including possible alternative treatments, as well as any tax consequences arising under the laws of any state, local or non-U.S. taxing jurisdiction.</font></FONT></P>
                <P style="margin-top: 13.2pt; margin-bottom: 7.26pt; line-height: 12.0pt; "><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 Underlying Index</font></U></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;'>There are risks associated with investments in securities linked to the value of foreign equity securities.</font></FONT><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'> The securities are linked to the value of foreign equity securities. Investments in securities linked to the value of foreign equity securities involve risks associated with the securities markets in those countries, including risks of volatility in those markets, governmental intervention in those markets and cross-shareholdings in companies in certain countries. Also, there is generally less publicly available information about foreign companies than about U.S. companies that are subject to the reporting requirements of the United States Securities and Exchange Commission, and foreign companies are subject to accounting, auditing and financial reporting standards and requirements different from those applicable to U.S. reporting companies. The prices of securities issued in foreign markets </font></FONT></FONT></P>
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                <P style="margin-top: 13.2pt; padding-left: 0.0pt; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; color: #296DC1; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>November 2025</font></FONT><FONT style="font-family: Arial, sans-serif; color: #296DC1; font-size: 8.0pt; width: 446.66pt; display: inline-block; ">&nbsp;</FONT><FONT style="font-family: Arial, sans-serif; color: #296DC1; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>Page </font><FONT>10</FONT></FONT></P>
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        <DIV style="margin: auto; width: 673.20pt; padding: 36pt 0; ">
            <DIV style="width: 594.00pt; padding: 39.60pt 39.60pt 0 39.60pt; min-height: 10.00pt; position: relative; ">
                <P style="margin-bottom: 0.0pt; text-align: right; margin-top: 0; "><FONT style="color: #595959; font-size: 18.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>Morgan Stanley Finance LLC</font></FONT></P>
                <P style="margin-top: 0.0pt; border-top:  0.50pt solid #296DC1; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 10.0pt; color: #296DC1; "><font style='white-space: pre-wrap;'>Dual Directional Buffered Jump Securities with Auto-Callable Feature due December 2, 2027</font></FONT></P>
                <P style="margin-top: 0.0pt; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #808080; font-size: 7.5pt; "><font style='white-space: pre-wrap;'>All Payments on the Securities Based on the Performance of the Tokyo Stock Price Index</font></FONT></P>
                <P style="margin-bottom: 0.0pt; margin-top: 0; "><FONT style="font-weight: bold; color: #808080; font-size: 7.5pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>Principal at Risk Securities</font></FONT></P>
                <P style="margin-top: 0.0pt; border-top:  0.50pt solid #296DC1; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; color: #296DC1; 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: 11.0pt; margin-bottom: 0; margin-left: 19.80pt; "><FONT><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>may be affected by political, economic, financial and social factors in those countries, or global regions, including changes in government, economic and fiscal policies and currency exchange laws. Local securities markets may trade a small number of securities and may be unable to respond effectively to increases in trading volume, potentially making prompt liquidation of holdings difficult or impossible at times. Moreover, the economies in such countries may differ favorably or unfavorably from the economy in the United States in such respects as growth of gross national product, rate of inflation, capital reinvestment, resources, self-sufficiency and balance of payment positions between countries.</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;'>Governmental regulatory actions, such as sanctions, could adversely affect your investment in the securities.</font></FONT><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>&#160; Governmental regulatory actions, including, without limitation, sanctions-related actions by the U.S. or a foreign government, could prohibit or otherwise restrict persons from holding the securities or the underlying stock, or engaging in transactions therein, and any such action could adversely affect the value of the underlying stock or the securities. These regulatory actions could result in restrictions on the securities and could result in the loss of a significant portion or all of your initial investment in the securities, including if you are forced to divest the securities due to the government mandates, especially if such divestment must be made at a time when the value of the securities has declined.</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;'>Adjustments to the underlying index could adversely affect the value of the securities.</font></FONT><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>  The publisher of the underlying index may add, delete or substitute the component stocks of the underlying index or make other methodological changes that could change the value of the underlying index.  Any of these actions could adversely affect the value of the securities.  The publisher of the underlying index may also discontinue or suspend calculation or publication of the underlying index at any time.  In these circumstances, MS &amp; Co., as the calculation agent, will have the sole discretion to substitute a successor index that is comparable to the discontinued index.  MS &amp; Co. could have an economic interest that is different than that of investors in the securities insofar as, for example, MS &amp; Co. is permitted to consider indices that are calculated and published by MS &amp; Co. or any of its affiliates.</font></FONT></FONT></P>
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                <P style="margin-top: 13.2pt; padding-left: 0.0pt; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; color: #296DC1; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>November 2025</font></FONT><FONT style="font-family: Arial, sans-serif; color: #296DC1; font-size: 8.0pt; width: 446.66pt; display: inline-block; ">&nbsp;</FONT><FONT style="font-family: Arial, sans-serif; color: #296DC1; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>Page </font><FONT>11</FONT></FONT></P>
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                <P style="margin-bottom: 0.0pt; text-align: right; margin-top: 0; "><FONT style="color: #595959; font-size: 18.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>Morgan Stanley Finance LLC</font></FONT></P>
                <P style="margin-top: 0.0pt; border-top:  0.50pt solid #296DC1; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 10.0pt; color: #296DC1; "><font style='white-space: pre-wrap;'>Dual Directional Buffered Jump Securities with Auto-Callable Feature due December 2, 2027</font></FONT></P>
                <P style="margin-top: 0.0pt; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #808080; font-size: 7.5pt; "><font style='white-space: pre-wrap;'>All Payments on the Securities Based on the Performance of the Tokyo Stock Price Index</font></FONT></P>
                <P style="margin-bottom: 0.0pt; margin-top: 0; "><FONT style="font-weight: bold; color: #808080; font-size: 7.5pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>Principal at Risk Securities</font></FONT></P>
                <P style="margin-top: 0.0pt; border-top:  0.50pt solid #296DC1; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; color: #296DC1; font-size: 12.0pt; ">&nbsp;</FONT></P>
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                <P style="margin-top: 6.6pt; line-height: 11.0pt; margin-bottom: 0; "><FONT style="color: #296DC1; font-size: 16.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
                <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 11.0pt; "><FONT style="font-family: Arial, sans-serif; color: #296DC1; font-size: 16.0pt; "><font style='white-space: pre-wrap;'>Tokyo Stock Price Index Overview</font></FONT></P>
                <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 11.0pt; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>The Tokyo Stock Price Index, which we also refer to as the TOPIX</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 published by JPX Market Innovation &amp; Research, Inc. (&#8220;JPXI&#8221;). The TOPIX</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 was developed by the TSE. Publication of the TOPIX</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 began on July 1, 1969, based on a base index value of 100 as of January 4, 1968. Prior to April 4, 2022, the TSE domestic stock market was divided into two sections: the First Section and the Second Section. Listings of stocks on the TSE were divided between these two sections, with stocks listed on the First Section typically being limited to larger, longer-established and more actively traded issues and the Second Section to smaller and newly listed companies. At that time, the component stocks of the TOPIX</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 consisted of all domestic common stocks listed on the First Section of the TSE. On April 4, 2022, JPXI began revisions to the TOPIX</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 in conjunction with the restructuring of the TSE into three new market segments: the Prime Market, the Standard Market and the Growth Market. Stocks that were components of the TOPIX</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 as of April 1, 2022 continue to be included after the market restructuring, regardless of their new market segment. However, component stocks with tradeable share market capitalization of under JPY 10 billion are designated as &#8220;phased weighting reduction constituents,&#8221; and their weighting was gradually reduced in ten stages on the last business day of each quarter beginning in October 2022 and ending in January 2025. The TOPIX</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 computed and published every second via the Market Information System, and is reported to securities companies, news media, and other institutions across Japan. For additional information about the TOPIX</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;Tokyo Stock Price Index&#8221; in the accompanying index supplement.</font></FONT></P>
                <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 11.0pt; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Information as of market close on November 6, 2025:</font></FONT></P>
                <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 11.0pt; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>:</font></FONT></P>
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                        <TD style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; vertical-align: middle; ">
                            <P style="margin-top: 1.65pt; margin-bottom: 1.65pt; line-height: 11.0pt; padding-left: 1.59pt; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #296DC1; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Bloomberg Ticker Symbol:</font></FONT></P>
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                            <P style="margin-top: 1.65pt; margin-bottom: 1.65pt; line-height: 11.0pt; padding-left: 1.59pt; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>TPX</font></FONT></P>
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                        <TD style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; vertical-align: bottom; ">
                            <P style="margin-top: 1.65pt; margin-bottom: 1.65pt; line-height: 11.0pt; padding-left: 1.59pt; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #296DC1; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>52 Week High (on 10/31/2025):</font></FONT></P>
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                        <TD style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; ">
                            <P style="margin-top: 1.65pt; margin-bottom: 1.65pt; line-height: 11.0pt; padding-left: 1.59pt; "><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>3,331.83</font></FONT></P>
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                        <TD style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; vertical-align: bottom; ">
                            <P style="margin-top: 1.65pt; margin-bottom: 1.65pt; line-height: 11.0pt; padding-left: 1.59pt; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #296DC1; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Current Index Value:</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; vertical-align: bottom; ">
                            <P style="margin-top: 1.65pt; margin-bottom: 1.65pt; line-height: 11.0pt; padding-left: 1.59pt; "><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>3,313.45</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; vertical-align: bottom; ">
                            <P style="margin-top: 1.65pt; margin-bottom: 1.65pt; line-height: 11.0pt; padding-left: 1.59pt; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #296DC1; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>52 Week Low (on 4/7/2025):</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; ">
                            <P style="margin-top: 1.65pt; margin-bottom: 1.65pt; line-height: 11.0pt; padding-left: 1.59pt; "><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>2,288.66</font></FONT></P>
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                        <TD style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; vertical-align: bottom; ">
                            <P style="margin-top: 1.65pt; margin-bottom: 1.65pt; line-height: 11.0pt; padding-left: 1.59pt; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #296DC1; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>52 Weeks Ago:</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; vertical-align: bottom; ">
                            <P style="margin-top: 1.65pt; margin-bottom: 1.65pt; line-height: 11.0pt; padding-left: 1.59pt; "><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>2,715.92</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; vertical-align: middle; ">
                            <P style="margin-top: 1.65pt; margin-bottom: 1.65pt; line-height: 11.0pt; padding-left: 1.59pt; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #296DC1; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
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                        <TD style="padding-top: 0.0pt; padding-left: 6.33pt; padding-right: 6.33pt; padding-bottom: 0.0pt; vertical-align: middle; ">
                            <P style="margin-top: 1.65pt; margin-bottom: 1.65pt; line-height: 11.0pt; padding-left: 1.59pt; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
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                <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 11.0pt; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>The following graph sets forth the daily index closing values of the underlying index for the period from January 1, 2020 through November 6, 2025.  The related table sets forth the published high and low index closing values, as well as the end-of-quarter index closing values, of the underlying index for each quarter in the same period.  The index closing value of the underlying index on November 6, 2025 was 3,313.45.  We obtained the information in the graph and table below from Bloomberg Financial Markets, without independent verification.  The historical index closing values of the underlying index should not be taken as an indication of future performance, and no assurance can be given as to the value of the underlying index at any time, including on the determination dates.</font></FONT></P>
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                            <P style="margin-top: 1.65pt; margin-bottom: 1.65pt; text-align: center; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #296DC1; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Tokyo Stock Price Index</font></FONT></P>
                            <P style="margin-top: 1.65pt; margin-bottom: 1.65pt; text-align: center; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #296DC1; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Daily Index Closing Values</font><BR><font style='white-space: pre-wrap;'>January 1, 2020 to November 6, 2025</font></FONT></P>
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                <P style="margin-top: 13.2pt; padding-left: 0.0pt; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; color: #296DC1; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>November 2025</font></FONT><FONT style="font-family: Arial, sans-serif; color: #296DC1; font-size: 8.0pt; width: 446.66pt; display: inline-block; ">&nbsp;</FONT><FONT style="font-family: Arial, sans-serif; color: #296DC1; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>Page </font><FONT>12</FONT></FONT></P>
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            <DIV style="width: 594.00pt; padding: 39.60pt 39.60pt 0 39.60pt; min-height: 10.00pt; position: relative; ">
                <P style="margin-bottom: 0.0pt; text-align: right; margin-top: 0; "><FONT style="color: #595959; font-size: 18.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>Morgan Stanley Finance LLC</font></FONT></P>
                <P style="margin-top: 0.0pt; border-top:  0.50pt solid #296DC1; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 10.0pt; color: #296DC1; "><font style='white-space: pre-wrap;'>Dual Directional Buffered Jump Securities with Auto-Callable Feature due December 2, 2027</font></FONT></P>
                <P style="margin-top: 0.0pt; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #808080; font-size: 7.5pt; "><font style='white-space: pre-wrap;'>All Payments on the Securities Based on the Performance of the Tokyo Stock Price Index</font></FONT></P>
                <P style="margin-bottom: 0.0pt; margin-top: 0; "><FONT style="font-weight: bold; color: #808080; font-size: 7.5pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>Principal at Risk Securities</font></FONT></P>
                <P style="margin-top: 0.0pt; border-top:  0.50pt solid #296DC1; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; color: #296DC1; font-size: 12.0pt; ">&nbsp;</FONT></P>
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                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; border-top:  0.50pt solid #FFFFFF; border-bottom:  0.50pt solid #FFFFFF; border-left:  0.50pt solid #FFFFFF; border-right:  0.50pt solid #FFFFFF; background-color: #296DC1; vertical-align: middle; ">
                            <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 12.0pt; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #FFFFFF; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Tokyo Stock Price Index</font></FONT></P>
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                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; border-top:  0.50pt solid #FFFFFF; border-bottom:  0.50pt solid #FFFFFF; border-left:  0.50pt solid #FFFFFF; border-right:  0.50pt solid #FFFFFF; background-color: #296DC1; vertical-align: middle; ">
                            <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 12.0pt; text-align: center; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #FFFFFF; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>High</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; border-top:  0.50pt solid #FFFFFF; border-bottom:  0.50pt solid #FFFFFF; border-left:  0.50pt solid #FFFFFF; border-right:  0.50pt solid #FFFFFF; background-color: #296DC1; vertical-align: middle; ">
                            <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 12.0pt; text-align: center; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #FFFFFF; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Low</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; border-top:  0.50pt solid #FFFFFF; border-bottom:  0.50pt solid #FFFFFF; border-right:  0.50pt solid #FFFFFF; border-left:  0.50pt solid #FFFFFF; background-color: #296DC1; vertical-align: middle; ">
                            <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 12.0pt; text-align: center; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #FFFFFF; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Period End</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #DCEBF4; vertical-align: middle; ">
                            <P style="line-height: 12.0pt; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #306DC1; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>2020</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #DCEBF4; vertical-align: bottom; ">
                            <P style="line-height: 12.0pt; text-align: center; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>&#160;</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #DCEBF4; vertical-align: bottom; ">
                            <P style="line-height: 12.0pt; text-align: center; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>&#160;</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #DCEBF4; vertical-align: bottom; ">
                            <P style="line-height: 12.0pt; text-align: center; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>&#160;</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; vertical-align: middle; ">
                            <P style="line-height: 12.0pt; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>First Quarter </font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; vertical-align: bottom; ">
                            <P style="line-height: 12.0pt; text-align: center; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>1,744.16</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; vertical-align: bottom; ">
                            <P style="line-height: 12.0pt; text-align: center; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>1,236.34</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; vertical-align: bottom; ">
                            <P style="line-height: 12.0pt; text-align: center; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>1,403.04</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; vertical-align: middle; ">
                            <P style="line-height: 12.0pt; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Second Quarter</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; vertical-align: bottom; ">
                            <P style="line-height: 12.0pt; text-align: center; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>1,630.72</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; vertical-align: bottom; ">
                            <P style="line-height: 12.0pt; text-align: center; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>1,325.13</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; vertical-align: bottom; ">
                            <P style="line-height: 12.0pt; text-align: center; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>1,558.77</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; vertical-align: middle; ">
                            <P style="line-height: 12.0pt; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Third Quarter</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; vertical-align: bottom; ">
                            <P style="line-height: 12.0pt; text-align: center; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>1,661.93</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; vertical-align: bottom; ">
                            <P style="line-height: 12.0pt; text-align: center; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>1,496.06</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; vertical-align: bottom; ">
                            <P style="line-height: 12.0pt; text-align: center; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>1,625.49</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; vertical-align: middle; ">
                            <P style="line-height: 12.0pt; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Fourth Quarter </font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; vertical-align: bottom; ">
                            <P style="line-height: 12.0pt; text-align: center; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>1,819.18</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; vertical-align: bottom; ">
                            <P style="line-height: 12.0pt; text-align: center; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>1,579.33</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; vertical-align: bottom; ">
                            <P style="line-height: 12.0pt; text-align: center; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>1,804.68</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #DCEBF4; vertical-align: middle; ">
                            <P style="line-height: 12.0pt; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #306DC1; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>2021</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #DCEBF4; vertical-align: bottom; ">
                            <P style="line-height: 12.0pt; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>&#160;</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #DCEBF4; vertical-align: bottom; ">
                            <P style="line-height: 12.0pt; text-align: center; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>&#160;</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #DCEBF4; vertical-align: bottom; ">
                            <P style="line-height: 12.0pt; text-align: center; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>&#160;</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; vertical-align: middle; ">
                            <P style="line-height: 12.0pt; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>First Quarter</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; vertical-align: bottom; ">
                            <P style="line-height: 12.0pt; text-align: center; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>2,012.21</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; vertical-align: bottom; ">
                            <P style="line-height: 12.0pt; text-align: center; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>1,791.22</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; vertical-align: bottom; ">
                            <P style="line-height: 12.0pt; text-align: center; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>1,954.00</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; vertical-align: middle; ">
                            <P style="line-height: 12.0pt; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Second Quarter</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; vertical-align: bottom; ">
                            <P style="line-height: 12.0pt; text-align: center; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>1,983.54</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; vertical-align: bottom; ">
                            <P style="line-height: 12.0pt; text-align: center; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>1,849.04</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; vertical-align: bottom; ">
                            <P style="line-height: 12.0pt; text-align: center; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>1,943.57</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; vertical-align: middle; ">
                            <P style="line-height: 12.0pt; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Third Quarter</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; vertical-align: bottom; ">
                            <P style="line-height: 12.0pt; text-align: center; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>2,118.87</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; vertical-align: bottom; ">
                            <P style="line-height: 12.0pt; text-align: center; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>1,880.68</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; vertical-align: bottom; ">
                            <P style="line-height: 12.0pt; text-align: center; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>2,030.16</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; vertical-align: middle; ">
                            <P style="line-height: 12.0pt; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Fourth Quarter </font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; vertical-align: bottom; ">
                            <P style="line-height: 12.0pt; text-align: center; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>2,055.56</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; vertical-align: bottom; ">
                            <P style="line-height: 12.0pt; text-align: center; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>1,926.37</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; vertical-align: bottom; ">
                            <P style="line-height: 12.0pt; text-align: center; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>1,992.33</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #DCEBF4; vertical-align: middle; ">
                            <P style="line-height: 12.0pt; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #306DC1; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>2022</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #DCEBF4; vertical-align: bottom; ">
                            <P style="line-height: 12.0pt; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>&#160;</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #DCEBF4; vertical-align: bottom; ">
                            <P style="line-height: 12.0pt; text-align: center; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>&#160;</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #DCEBF4; vertical-align: bottom; ">
                            <P style="line-height: 12.0pt; text-align: center; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>&#160;</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; vertical-align: middle; ">
                            <P style="line-height: 12.0pt; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>First Quarter</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; vertical-align: bottom; ">
                            <P style="line-height: 12.0pt; text-align: center; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>2,039.27</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; vertical-align: bottom; ">
                            <P style="line-height: 12.0pt; text-align: center; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>1,758.89</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; vertical-align: bottom; ">
                            <P style="line-height: 12.0pt; text-align: center; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>1,946.40</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; vertical-align: middle; ">
                            <P style="line-height: 12.0pt; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Second Quarter</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; vertical-align: bottom; ">
                            <P style="line-height: 12.0pt; text-align: center; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>1,969.98</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; vertical-align: bottom; ">
                            <P style="line-height: 12.0pt; text-align: center; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>1,818.94</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; vertical-align: bottom; ">
                            <P style="line-height: 12.0pt; text-align: center; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>1,870.82</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; vertical-align: middle; ">
                            <P style="line-height: 12.0pt; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Third Quarter</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; vertical-align: bottom; ">
                            <P style="line-height: 12.0pt; text-align: center; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>2,006.99</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; vertical-align: bottom; ">
                            <P style="line-height: 12.0pt; text-align: center; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>1,835.94</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; vertical-align: bottom; ">
                            <P style="line-height: 12.0pt; text-align: center; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>1,835.94</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; vertical-align: middle; ">
                            <P style="line-height: 12.0pt; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Fourth Quarter</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; vertical-align: bottom; ">
                            <P style="line-height: 12.0pt; text-align: center; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>2,018.80</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; vertical-align: bottom; ">
                            <P style="line-height: 12.0pt; text-align: center; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>1,847.58</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; vertical-align: bottom; ">
                            <P style="line-height: 12.0pt; text-align: center; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>1,891.71</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #DCEBF4; vertical-align: middle; ">
                            <P style="line-height: 12.0pt; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #306DC1; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>2023</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #DCEBF4; vertical-align: bottom; ">
                            <P style="line-height: 12.0pt; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>&#160;</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #DCEBF4; vertical-align: bottom; ">
                            <P style="line-height: 12.0pt; text-align: center; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>&#160;</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #DCEBF4; vertical-align: bottom; ">
                            <P style="line-height: 12.0pt; text-align: center; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>&#160;</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; vertical-align: middle; ">
                            <P style="line-height: 12.0pt; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>First Quarter</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; vertical-align: bottom; ">
                            <P style="line-height: 12.0pt; text-align: center; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>2,071.09</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; vertical-align: bottom; ">
                            <P style="line-height: 12.0pt; text-align: center; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>1,868.15</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; vertical-align: bottom; ">
                            <P style="line-height: 12.0pt; text-align: center; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>2,003.50</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; vertical-align: middle; ">
                            <P style="line-height: 12.0pt; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Second Quarter</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; vertical-align: bottom; ">
                            <P style="line-height: 12.0pt; text-align: center; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>2,300.36</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; vertical-align: bottom; ">
                            <P style="line-height: 12.0pt; text-align: center; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>1,961.28</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; vertical-align: bottom; ">
                            <P style="line-height: 12.0pt; text-align: center; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>2,288.60</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; vertical-align: middle; ">
                            <P style="line-height: 12.0pt; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Third Quarter</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; vertical-align: bottom; ">
                            <P style="line-height: 12.0pt; text-align: center; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>2,430.30</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; vertical-align: bottom; ">
                            <P style="line-height: 12.0pt; text-align: center; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>2,221.48</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; vertical-align: bottom; ">
                            <P style="line-height: 12.0pt; text-align: center; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>2,323.39</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; vertical-align: middle; ">
                            <P style="line-height: 12.0pt; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Fourth Quarter</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; vertical-align: bottom; ">
                            <P style="line-height: 12.0pt; text-align: center; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>2,391.05</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; vertical-align: bottom; ">
                            <P style="line-height: 12.0pt; text-align: center; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>2,218.89</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; vertical-align: bottom; ">
                            <P style="line-height: 12.0pt; text-align: center; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>2,366.39</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #DCEBF4; vertical-align: middle; ">
                            <P style="line-height: 12.0pt; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #306DC1; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>2024</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #DCEBF4; vertical-align: bottom; ">
                            <P style="line-height: 12.0pt; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>&#160;</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #DCEBF4; vertical-align: bottom; ">
                            <P style="line-height: 12.0pt; text-align: center; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>&#160;</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #DCEBF4; vertical-align: bottom; ">
                            <P style="line-height: 12.0pt; text-align: center; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>&#160;</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; vertical-align: middle; ">
                            <P style="line-height: 12.0pt; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>First Quarter</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; vertical-align: bottom; ">
                            <P style="line-height: 12.0pt; text-align: center; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>2,813.22</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; vertical-align: bottom; ">
                            <P style="line-height: 12.0pt; text-align: center; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>2,378.79</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; vertical-align: bottom; ">
                            <P style="line-height: 12.0pt; text-align: center; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>2,768.62</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; vertical-align: middle; ">
                            <P style="line-height: 12.0pt; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Second Quarter</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; vertical-align: bottom; ">
                            <P style="line-height: 12.0pt; text-align: center; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>2,809.63</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; vertical-align: bottom; ">
                            <P style="line-height: 12.0pt; text-align: center; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>2,626.32</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; vertical-align: bottom; ">
                            <P style="line-height: 12.0pt; text-align: center; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>2,809.63</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; vertical-align: middle; ">
                            <P style="line-height: 12.0pt; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Third Quarter</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; vertical-align: bottom; ">
                            <P style="line-height: 12.0pt; text-align: center; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>2,929.17</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; vertical-align: bottom; ">
                            <P style="line-height: 12.0pt; text-align: center; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>2,227.15</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; vertical-align: bottom; ">
                            <P style="line-height: 12.0pt; text-align: center; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>2,645.94</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; vertical-align: middle; ">
                            <P style="line-height: 12.0pt; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Fourth Quarter</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; vertical-align: bottom; ">
                            <P style="line-height: 12.0pt; text-align: center; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>2,801.68</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; vertical-align: bottom; ">
                            <P style="line-height: 12.0pt; text-align: center; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>2,618.32</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; vertical-align: bottom; ">
                            <P style="line-height: 12.0pt; text-align: center; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>2,784.92</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #DCEBF4; vertical-align: middle; ">
                            <P style="line-height: 12.0pt; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #306DC1; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>2025</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #DCEBF4; vertical-align: bottom; ">
                            <P style="line-height: 12.0pt; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>&#160;</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #DCEBF4; vertical-align: bottom; ">
                            <P style="line-height: 12.0pt; text-align: center; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>&#160;</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #DCEBF4; vertical-align: bottom; ">
                            <P style="line-height: 12.0pt; text-align: center; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>&#160;</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; min-height: 3.47pt; ">
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; vertical-align: middle; ">
                            <P style="line-height: 12.0pt; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>First Quarter </font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; vertical-align: bottom; ">
                            <P style="line-height: 12.0pt; text-align: center; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>2,815.47</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; vertical-align: bottom; ">
                            <P style="line-height: 12.0pt; text-align: center; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>2,658.73</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; vertical-align: bottom; ">
                            <P style="line-height: 12.0pt; text-align: center; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>2,658.73</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; min-height: 3.47pt; ">
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; vertical-align: middle; ">
                            <P style="line-height: 12.0pt; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Second Quarter</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; ">
                            <P style="line-height: 12.0pt; text-align: center; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>2,852.84</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; ">
                            <P style="line-height: 12.0pt; text-align: center; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>2,288.66</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; ">
                            <P style="line-height: 12.0pt; text-align: center; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>2,852.84</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; min-height: 3.47pt; ">
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; vertical-align: middle; ">
                            <P style="line-height: 12.0pt; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Third Quarter</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; ">
                            <P style="line-height: 12.0pt; text-align: center; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>3,187.02</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; ">
                            <P style="line-height: 12.0pt; text-align: center; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>2,811.72</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; ">
                            <P style="line-height: 12.0pt; text-align: center; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>3,137.60</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; min-height: 3.47pt; ">
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; vertical-align: middle; ">
                            <P style="line-height: 12.0pt; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Fourth Quarter (through November 6, 2025)</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; ">
                            <P style="line-height: 12.0pt; text-align: center; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>3,331.83</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; ">
                            <P style="line-height: 12.0pt; text-align: center; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>3,087.40</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; ">
                            <P style="line-height: 12.0pt; text-align: center; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>3,313.45</font></FONT></P>
                        </TD>
                    </TR>
                </TABLE>
                <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 12.0pt; padding-left: 0.0pt; "><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>&#8220;TOPIX</font></FONT><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 7pt; vertical-align: super; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>&#8221; and &#8220;TOPIX</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; are trademarks of JPXI. For more information, see &#8220;Tokyo Stock Price Index&#8221; in the accompanying index supplement.</font></FONT></P>
            </DIV>
            <DIV style="width: 594.00pt; padding: 0 39.60pt 10.00pt 39.60pt; min-height: 39.60pt; position: relative; ">
                <P style="margin-top: 13.2pt; padding-left: 0.0pt; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; color: #296DC1; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>November 2025</font></FONT><FONT style="font-family: Arial, sans-serif; color: #296DC1; font-size: 8.0pt; width: 446.66pt; display: inline-block; ">&nbsp;</FONT><FONT style="font-family: Arial, sans-serif; color: #296DC1; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>Page </font><FONT>13</FONT></FONT></P>
            </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: 39.60pt 39.60pt 0 39.60pt; min-height: 10.00pt; position: relative; ">
                <P style="margin-bottom: 0.0pt; text-align: right; margin-top: 0; "><FONT style="color: #595959; font-size: 18.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>Morgan Stanley Finance LLC</font></FONT></P>
                <P style="margin-top: 0.0pt; border-top:  0.50pt solid #296DC1; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 10.0pt; color: #296DC1; "><font style='white-space: pre-wrap;'>Dual Directional Buffered Jump Securities with Auto-Callable Feature due December 2, 2027</font></FONT></P>
                <P style="margin-top: 0.0pt; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #808080; font-size: 7.5pt; "><font style='white-space: pre-wrap;'>All Payments on the Securities Based on the Performance of the Tokyo Stock Price Index</font></FONT></P>
                <P style="margin-bottom: 0.0pt; margin-top: 0; "><FONT style="font-weight: bold; color: #808080; font-size: 7.5pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>Principal at Risk Securities</font></FONT></P>
                <P style="margin-top: 0.0pt; border-top:  0.50pt solid #296DC1; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; color: #296DC1; 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; line-height: 12.0pt; padding-left: 0.0pt; "><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: 3.3pt; margin-bottom: 3.3pt; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Please read this information in conjunction with the terms on the front cover of this document.</font></FONT></P>
                <TABLE width="98.94%" style="margin-left: 0.0pt; width: 98.94%; table-layout: fixed; border-collapse: collapse; ">
                    <TR>
                        <TD width="33.84%" style="width: 33.84%; border: 0; margin: 0; padding: 0; height: 0; ">
                        </TD>
                        <TD width="76.16%" style="width: 76.16%; border: 0; margin: 0; padding: 0; height: 0; ">
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD colspan="2" style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #296DC1; ">
                            <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 10.5pt; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #FFFFFF; font-size: 10.0pt; "><font style='white-space: pre-wrap;'>Additional Terms:</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD colspan="2" style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; 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; color: #000000; font-size: 8.5pt; "><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>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #FFFFFF; ">
                            <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;'>Underlying index publisher:</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #FFFFFF; ">
                            <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 10.0pt; "><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 8.5pt; "><font style='white-space: pre-wrap;'>JPX Market Innovation &amp; Research, Inc. or any successor thereof</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; 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;'>Dual directional jump securities with auto-callable feature:</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; 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; color: #000000; font-size: 8.5pt; "><font style='white-space: pre-wrap;'>The accompanying product supplement refers to these dual directional jump securities with auto-callable feature as the &#8220;auto-callable securities.&#8221;</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; 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>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; 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; color: black; "><font style='white-space: pre-wrap;'>The Bank of New York Mellon</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; 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;'>Calculation agent:</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; padding-bottom: 0.0pt; background-color: #DCEBF4; ">
                            <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; color: black; "><font style='white-space: pre-wrap;'>MS &amp; Co.</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; 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;'>Issuer notices to registered security holders, the trustee and the depositary:</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.19pt; padding-right: 3.19pt; 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; color: black; "><font style='white-space: pre-wrap;'>In the event that the maturity date is postponed due to postponement of the final determination date, the issuer shall give notice of such postponement and, once it has been determined, of the date to which the maturity date has been rescheduled (i) to each registered holder of the securities by mailing notice of such postponement by first class mail, postage prepaid, to such registered holder&#8217;s last address as it shall appear upon the registry books, (ii) to the trustee by facsimile, confirmed by mailing such notice to the trustee by first class mail, postage prepaid, at its New York office and (iii) to the depositary by telephone or facsimile confirmed by mailing such notice to the depositary by first class mail, postage prepaid. Any notice that is mailed to a registered holder of the securities in the manner herein provided shall be conclusively presumed to have been duly given to such registered holder, whether or not such registered holder receives the notice. The issuer shall give such notice as promptly as possible, and in no case later than (i) with respect to notice of postponement of the maturity date, the business day immediately preceding the scheduled maturity date, and (ii) with respect to notice of the date to which the maturity date has been rescheduled, the business day immediately following the final determination date as postponed.</font></FONT></P>
                            <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; color: black; "><font style='white-space: pre-wrap;'>In the event that the securities are subject to early redemption, the issuer shall, (i) on the business day following the first determination date, give notice of the early redemption of the securities and the early redemption payment, including specifying the payment date of the amount due upon the early redemption, (x) to each registered holder of the securities by mailing notice of such early redemption by first class mail, postage prepaid, to such registered holder&#8217;s last address as it shall appear upon the registry books, (y) to the trustee by facsimile, confirmed by mailing such notice to the trustee by first class mail, postage prepaid, at its New York office and (z) to the depositary by telephone or facsimile confirmed by mailing such notice to the depositary by first class mail, postage prepaid and (ii) on or prior to the early redemption date, deliver the aggregate cash amount due with respect to the securities to the trustee for delivery to the depositary, as holder of the securities. Any notice that is mailed to a registered holder of the securities in the manner herein provided shall be conclusively presumed to have been duly given to such registered holder, whether or not such registered holder receives the notice.</font></FONT></P>
                            <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; color: black; "><font style='white-space: pre-wrap;'>The issuer shall, or shall cause the calculation agent to, (i) provide written notice to the trustee,</font></FONT><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; color: black; "><font style='white-space: pre-wrap;'> </font></FONT><FONT style="font-size: 8.5pt; font-family: Arial, sans-serif; color: black; "><font style='white-space: pre-wrap;'>on which notice the trustee may conclusively rely, and to the depositary of the amount of cash, if any, to be delivered with respect to each stated principal amount of the securities, on or prior to 10:30 a.m. (New York City time) on the business day preceding the maturity date, and (ii) deliver the aggregate cash amount due with respect to the securities, if any, to the trustee for delivery to the depositary, as holder of the securities, on the maturity date.</font></FONT></P>
                        </TD>
                    </TR>
                </TABLE>
                <P style="margin-top: 6.6pt; line-height: 12.0pt; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.5pt; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
            </DIV>
            <DIV style="width: 594.00pt; padding: 0 39.60pt 10.00pt 39.60pt; min-height: 39.60pt; position: relative; ">
                <P style="margin-top: 13.2pt; padding-left: 0.0pt; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; color: #296DC1; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>November 2025</font></FONT><FONT style="font-family: Arial, sans-serif; color: #296DC1; font-size: 8.0pt; width: 446.66pt; display: inline-block; ">&nbsp;</FONT><FONT style="font-family: Arial, sans-serif; color: #296DC1; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>Page </font><FONT>14</FONT></FONT></P>
            </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: 39.60pt 39.60pt 0 39.60pt; min-height: 10.00pt; position: relative; ">
                <P style="margin-bottom: 0.0pt; text-align: right; margin-top: 0; "><FONT style="color: #595959; font-size: 18.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>Morgan Stanley Finance LLC</font></FONT></P>
                <P style="margin-top: 0.0pt; border-top:  0.50pt solid #296DC1; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 10.0pt; color: #296DC1; "><font style='white-space: pre-wrap;'>Dual Directional Buffered Jump Securities with Auto-Callable Feature due December 2, 2027</font></FONT></P>
                <P style="margin-top: 0.0pt; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #808080; font-size: 7.5pt; "><font style='white-space: pre-wrap;'>All Payments on the Securities Based on the Performance of the Tokyo Stock Price Index</font></FONT></P>
                <P style="margin-bottom: 0.0pt; margin-top: 0; "><FONT style="font-weight: bold; color: #808080; font-size: 7.5pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>Principal at Risk Securities</font></FONT></P>
                <P style="margin-top: 0.0pt; border-top:  0.50pt solid #296DC1; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; color: #296DC1; 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; padding-left: 0.0pt; "><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>
                <TABLE width="98.54%" style="margin-left: 0.0pt; width: 98.54%; table-layout: fixed; border-collapse: collapse; ">
                    <TR>
                        <TD width="33.53%" style="width: 33.53%; border: 0; margin: 0; padding: 0; height: 0; ">
                        </TD>
                        <TD width="76.47%" style="width: 76.47%; border: 0; margin: 0; padding: 0; height: 0; ">
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <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; line-height: 10.5pt; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #FFFFFF; font-size: 10.0pt; "><font style='white-space: pre-wrap;'>Additional Information:</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; 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;'>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; background-color: #DCEBF4; ">
                            <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; color: black; "><font style='white-space: pre-wrap;'>$1,000 / 1 security</font></FONT></P>
                        </TD>
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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; color: #296DC1; font-size: 8.5pt; font-weight: bold; "><font style='white-space: pre-wrap;'>Tax 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-bottom: 8.8pt; text-indent: 0.77pt; text-align: justify; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 8.5pt; "><font style='white-space: pre-wrap;'>There is uncertainty regarding the U.S. federal income tax consequences of an investment in the securities due to the lack of governing authority.  We intend to treat a security as a single financial contract that is an &#8220;open transaction&#8221; for U.S. federal income tax purposes.  In the opinion of our counsel, Davis Polk &amp; Wardwell LLP, this treatment of the securities is reasonable under current law; however, there are other reasonable treatments that the Internal Revenue Service (the &#8220;IRS&#8221;) or a court may adopt, in which case the timing and character of any income or loss on the securities could be materially and adversely affected.  Moreover, because our counsel&#8217;s opinion is based in part on market conditions as of the date of this document, it is subject to confirmation on the pricing date.</font></FONT></P>
                            <P style="margin-bottom: 8.8pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 8.5pt; "><font style='white-space: pre-wrap;'>Assuming this treatment of the securities is respected and subject to the discussion in &#8220;United States Federal Taxation&#8221; in the accompanying product supplement for auto-callable securities, the following U.S. federal income tax consequences should result based on current law:</font></FONT></P>
                            <P style="margin-bottom: 8.8pt; margin-top: 0; margin-left: 26.90pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; font-size: 11.0pt; color: #000000; ">&#65517;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 8.5pt; "><font style='white-space: pre-wrap;'>A U.S. Holder should not be required to recognize taxable income over the term of the securities prior to settlement, other than pursuant to a sale or exchange.  </font></FONT></FONT></P>
                            <P style="margin-bottom: 8.8pt; margin-top: 0; margin-left: 26.90pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; font-size: 11.0pt; color: #000000; ">&#65517;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 8.5pt; "><font style='white-space: pre-wrap;'>Upon sale, exchange or settlement of the securities, a U.S. Holder should recognize gain or loss equal to the difference between the amount realized and the U.S. Holder&#8217;s tax basis in the securities.  Such gain or loss should be long-term capital gain or loss if the investor has held the securities for more than one year, and short-term capital gain or loss otherwise.</font></FONT></FONT></P>
                            <P style="margin-top: 4.4pt; margin-bottom: 4.4pt; text-indent: 0.77pt; padding-left: 1.59pt; text-align: justify; "><FONT style="font-family: Arial, sans-serif; font-size: 8.5pt; "><font style='white-space: pre-wrap;'>There is a risk that the IRS may seek to treat all or a portion of the gain on the securities as ordinary income.  For example, due to the terms of the securities and current market conditions, there is a substantial risk that the IRS could seek to recharacterize the securities as debt instruments.  In that event, U.S. Holders would be required to accrue into income original issue discount on the securities every year at a &#8220;comparable yield&#8221; determined at the time of issuance and recognize all income and gain in respect of the securities as ordinary income.</font></FONT></P>
                            <P style="margin-top: 4.4pt; margin-bottom: 4.4pt; text-indent: 0.77pt; padding-left: 1.59pt; text-align: justify; "><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: 4.4pt; margin-bottom: 4.4pt; text-indent: 0.77pt; padding-left: 1.59pt; text-align: justify; "><FONT style="font-family: Arial, sans-serif; font-size: 8.5pt; "><font style='white-space: pre-wrap;'>As discussed in the accompanying product supplement for auto-callable securities, Section 871(m) of the Internal Revenue Code of 1986, as amended, and Treasury regulations promulgated thereunder (&#8220;Section 871(m)&#8221;) generally impose a 30% (or a lower applicable treaty rate) withholding tax on dividend equivalents paid or deemed paid to Non-U.S. Holders with respect to certain financial instruments linked to U.S. equities or indices that include U.S. equities (each, an &#8220;Underlying Security&#8221;).  Subject to certain exceptions, Section 871(m) generally applies to securities that substantially replicate the economic performance of one or more Underlying Securities, as determined based on tests set forth in the applicable Treasury regulations (a &#8220;Specified Security&#8221;).  However, pursuant to an IRS notice, Section 871(m) will not apply to securities issued before January 1, 2027 that do not have a delta of one with respect to any Underlying Security.  Based on the terms of the securities and current market conditions, we expect that the securities will not have a delta of one with respect to any Underlying Security on the pricing date.  However, we will provide an updated determination in the pricing supplement.  Assuming that the securities do not have a delta of one with respect to any Underlying Security, our counsel is of the opinion that the securities should not be Specified Securities and, therefore, should not be subject to Section 871(m).</font></FONT></P>
                            <P style="margin-top: 4.4pt; margin-bottom: 4.4pt; text-indent: 0.77pt; padding-left: 1.59pt; text-align: justify; "><FONT style="font-family: Arial, sans-serif; font-size: 8.5pt; "><font style='white-space: pre-wrap;'>Our determination is not binding on the IRS, and the IRS may disagree with this determination.  Section 871(m) is complex and its application may depend on your particular circumstances, </font></FONT></P>
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                <P style="margin-top: 13.2pt; padding-left: 0.0pt; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; color: #296DC1; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>November 2025</font></FONT><FONT style="font-family: Arial, sans-serif; color: #296DC1; font-size: 8.0pt; width: 446.66pt; display: inline-block; ">&nbsp;</FONT><FONT style="font-family: Arial, sans-serif; color: #296DC1; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>Page </font><FONT>15</FONT></FONT></P>
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            <DIV style="width: 594.00pt; padding: 39.60pt 39.60pt 0 39.60pt; min-height: 10.00pt; position: relative; ">
                <P style="margin-bottom: 0.0pt; text-align: right; margin-top: 0; "><FONT style="color: #595959; font-size: 18.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>Morgan Stanley Finance LLC</font></FONT></P>
                <P style="margin-top: 0.0pt; border-top:  0.50pt solid #296DC1; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 10.0pt; color: #296DC1; "><font style='white-space: pre-wrap;'>Dual Directional Buffered Jump Securities with Auto-Callable Feature due December 2, 2027</font></FONT></P>
                <P style="margin-top: 0.0pt; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #808080; font-size: 7.5pt; "><font style='white-space: pre-wrap;'>All Payments on the Securities Based on the Performance of the Tokyo Stock Price Index</font></FONT></P>
                <P style="margin-bottom: 0.0pt; margin-top: 0; "><FONT style="font-weight: bold; color: #808080; font-size: 7.5pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>Principal at Risk Securities</font></FONT></P>
                <P style="margin-top: 0.0pt; border-top:  0.50pt solid #296DC1; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; color: #296DC1; 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; ">
                <TABLE width="98.54%" style="margin-left: 0.0pt; width: 98.54%; table-layout: fixed; border-collapse: collapse; ">
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                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; ">
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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: 4.4pt; margin-bottom: 4.4pt; padding-left: 1.59pt; text-align: justify; "><FONT style="font-family: Arial, sans-serif; font-size: 8.5pt; "><font style='white-space: pre-wrap;'>including whether you enter into other transactions with respect to an Underlying Security.  If withholding is required, we will not be required to pay any additional amounts with respect to the amounts so withheld.  You should consult your tax adviser regarding the potential application of Section 871(m) to the securities.</font></FONT></P>
                            <P style="margin-top: 4.4pt; margin-bottom: 4.4pt; text-indent: 0.77pt; padding-left: 1.59pt; text-align: justify; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 8.5pt; "><font style='white-space: pre-wrap;'>Both U.S. and non-U.S. investors considering an investment in the securities should read the discussion under &#8220;Risk Factors&#8221; in this document and the discussion under &#8220;United States Federal Taxation&#8221; in the accompanying product supplement for auto-callable securities and consult their tax advisers regarding all aspects of the U.S. federal income tax consequences of an investment in the securities, including possible alternative treatments, and any tax consequences arising under the laws of any state, local or non-U.S. taxing jurisdiction.  </font></FONT></P>
                            <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 10.0pt; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 8.5pt; "><font style='white-space: pre-wrap;'>The discussion in the preceding paragraphs under &#8220;Tax considerations&#8221; and the discussion contained in the section entitled &#8220;United States Federal Taxation&#8221; in the accompanying product supplement for auto-callable securities, insofar as they purport to describe provisions of U.S. federal income tax laws or legal conclusions with respect thereto, constitute the full opinion of Davis Polk &amp; Wardwell LLP regarding the material U.S. federal tax consequences of an investment in the securities.</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;'>Use of proceeds and hedging:</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="color: #000000; font-size: 8.5pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>The proceeds from the sale of the securities will be used by us for general corporate purposes.  We will receive, in aggregate, $1,000 per security issued, because, when we enter into hedging transactions in order to meet our obligations under the securities, our hedging counterparty will reimburse the cost of the agent&#8217;s commissions.  The costs of the securities borne by you and described beginning on page 4 above comprise the agent&#8217;s commissions and the cost of issuing, structuring and hedging the securities.</font></FONT></P>
                            <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 10.0pt; "><FONT style="color: #000000; font-size: 8.5pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>On or prior to the pricing date, we will hedge our anticipated exposure in connection with the securities by entering into hedging transactions with our affiliates and/or third party dealers.  We expect our hedging counterparties to take positions in the stocks constituting the underlying index, in futures and/or options contracts on the underlying index or its component stocks listed on major securities markets, or positions in any other available securities or instruments that they may wish to use in connection with such hedging.  Such purchase activity could potentially increase the initial index value, and, as a result, increase (i) the level at or above which the underlying index must close on the first determination date so that the securities are redeemed prior to maturity for the early redemption payment and (ii) the level at or above which the underlying index must close on the final determination date so that you are not exposed to the negative performance of the underlying index at maturity.  These entities may be unwinding or adjusting hedge positions during the term of the securities, and the hedging strategy may involve greater and more frequent dynamic adjustments to the hedge as the final determination date approaches.  Additionally, our hedging activities, as well as our other trading activities, during the term of the securities could potentially affect the value of the underlying index on the determination dates, and, accordingly, whether we redeem the securities prior to maturity and the amount of cash you will receive at maturity.  For further information on our use of proceeds and hedging, see &#8220;Use of Proceeds and Hedging&#8221; in the accompanying product supplement.</font></FONT></P>
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                            <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 10.0pt; text-align: left; "><FONT style="font-weight: bold; font-family: Arial, sans-serif; color: #296DC1; font-size: 8.5pt; "><font style='white-space: pre-wrap;'>Additional considerations:</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-size: 8.5pt; font-family: Arial, sans-serif; "><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>
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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; text-align: left; "><FONT style="font-weight: bold; font-family: Arial, sans-serif; color: #296DC1; font-size: 8.5pt; "><font style='white-space: pre-wrap;'>Supplemental information regarding plan of distribution; conflicts of interest:</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: 9.0pt; padding-left: 0.22pt; "><FONT style="font-size: 8.5pt; font-family: Arial, sans-serif; color: black; "><font style='white-space: pre-wrap;'>The agent may distribute the securities through Morgan Stanley Smith Barney LLC (&#8220;Morgan Stanley Wealth Management&#8221;), as selected dealer, or other dealers, which may include Morgan Stanley &amp; Co. International plc (&#8220;MSIP&#8221;) and Bank Morgan Stanley AG.  Morgan Stanley Wealth Management, MSIP and Bank Morgan Stanley AG are affiliates of ours. Selected dealers, including Morgan Stanley Wealth Management, and their financial advisors will collectively receive from the agent, Morgan Stanley &amp; Co. LLC, a fixed sales commission of $20 for each security they sell.  In addition, Morgan Stanley Wealth Management will receive a structuring fee of $5 for each security. The costs included in the original issue price of the securities will include a fee paid by MS &amp; Co. to LFT Securities, LLC, an entity in which an affiliate of Morgan Stanley Wealth Management has an ownership interest, for providing certain electronic platform services with respect to this offering.</font></FONT></P>
                            <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 10.0pt; padding-left: 0.22pt; "><FONT style="color: #000000; font-size: 8.5pt; font-family: Arial, sans-serif; "><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.  When MS &amp; Co. prices this offering of securities, it will determine the economic terms of the securities, including the early redemption payment, such that for each security the estimated value on the pricing date will be no lower than the minimum level described in &#8220;Investment Summary&#8221; beginning on page 3.</font></FONT></P>
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                <P style="margin-top: 13.2pt; padding-left: 0.0pt; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; color: #296DC1; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>November 2025</font></FONT><FONT style="font-family: Arial, sans-serif; color: #296DC1; font-size: 8.0pt; width: 446.66pt; display: inline-block; ">&nbsp;</FONT><FONT style="font-family: Arial, sans-serif; color: #296DC1; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>Page </font><FONT>16</FONT></FONT></P>
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            <DIV style="width: 594.00pt; padding: 39.60pt 39.60pt 0 39.60pt; min-height: 10.00pt; position: relative; ">
                <P style="margin-bottom: 0.0pt; text-align: right; margin-top: 0; "><FONT style="color: #595959; font-size: 18.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>Morgan Stanley Finance LLC</font></FONT></P>
                <P style="margin-top: 0.0pt; border-top:  0.50pt solid #296DC1; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 10.0pt; color: #296DC1; "><font style='white-space: pre-wrap;'>Dual Directional Buffered Jump Securities with Auto-Callable Feature due December 2, 2027</font></FONT></P>
                <P style="margin-top: 0.0pt; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #808080; font-size: 7.5pt; "><font style='white-space: pre-wrap;'>All Payments on the Securities Based on the Performance of the Tokyo Stock Price Index</font></FONT></P>
                <P style="margin-bottom: 0.0pt; margin-top: 0; "><FONT style="font-weight: bold; color: #808080; font-size: 7.5pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>Principal at Risk Securities</font></FONT></P>
                <P style="margin-top: 0.0pt; border-top:  0.50pt solid #296DC1; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; color: #296DC1; 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; ">
                <TABLE width="98.54%" style="margin-left: 0.0pt; width: 98.54%; table-layout: fixed; border-collapse: collapse; ">
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                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; background-color: #DCEBF4; ">
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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-size: 8.5pt; font-family: Arial, sans-serif; "><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 for auto-callable securities.</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-weight: bold; color: #296DC1; font-size: 8.5pt; "><font style='white-space: pre-wrap;'>Where you can find more information:</font></FONT></P>
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                            <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;'>Morgan Stanley and MSFL have filed a registration statement (including a prospectus, as supplemented by the product supplement for auto-callable securities and the index supplement) with the Securities and Exchange Commission, or SEC, for the offering to which this communication relates.  You should read the prospectus in that registration statement, the product supplement for auto-callable securities, the index supplement and any other documents relating to this offering that Morgan Stanley and MSFL have filed with the SEC for more complete information about Morgan Stanley, MSFL and this offering. When you read the accompanying product supplement and index supplement, please note that all references in such supplements 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 web site at www.sec.gov.  Alternatively, Morgan Stanley, MSFL, any underwriter or any dealer participating in the offering will arrange to send you the prospectus, the product supplement for auto-callable securities and the index 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-size: 8.5pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>You may access these documents on the SEC web site at</font></FONT><FONT style="color: #FFFFFF; font-size: 8.5pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'> </font></FONT><FONT style="font-size: 8.5pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>www.sec.gov as follows:</font></FONT></P>
                            <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 10.0pt; "><A href="https://www.sec.gov/Archives/edgar/data/895421/000095010323016333/dp202676_424b2-epsacallsec.htm" style="word-break: break-all; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #0070C0; font-size: 8.5pt; text-decoration-style: solid; text-decoration-line: underline; "><U><font style='white-space: pre-wrap;'>Product Supplement for Auto-Callable Securities dated November 16, 2023</font></U></FONT></A></P>
                            <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 10.0pt; "><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: #0070C0; font-size: 8.5pt; 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: 6.6pt; margin-bottom: 6.6pt; line-height: 10.0pt; "><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: #0070C0; font-size: 8.5pt; 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>
                            <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;'>Terms used but not defined in this document are defined in the product supplement for auto-callable securities, in the index supplement or in the prospectus.</font></FONT></P>
                        </TD>
                    </TR>
                </TABLE>
                <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; padding-left: 0.0pt; "><FONT style="font-family: Arial, sans-serif; color: black; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
                <P style="margin-top: 6.6pt; line-height: 12.0pt; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
            </DIV>
            <DIV style="width: 594.00pt; padding: 0 39.60pt 10.00pt 39.60pt; min-height: 39.60pt; position: relative; ">
                <P style="margin-top: 13.2pt; padding-left: 0.0pt; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; color: #296DC1; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>November 2025</font></FONT><FONT style="font-family: Arial, sans-serif; color: #296DC1; font-size: 8.0pt; width: 446.66pt; display: inline-block; ">&nbsp;</FONT><FONT style="font-family: Arial, sans-serif; color: #296DC1; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>Page </font><FONT>17</FONT></FONT></P>
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end
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
