<SEC-DOCUMENT>0001839882-25-065514.txt : 20251114
<SEC-HEADER>0001839882-25-065514.hdr.sgml : 20251114
<ACCEPTANCE-DATETIME>20251114133140
ACCESSION NUMBER:		0001839882-25-065514
CONFORMED SUBMISSION TYPE:	424B2
PUBLIC DOCUMENT COUNT:		13
FILED AS OF DATE:		20251114
DATE AS OF CHANGE:		20251114

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:		251484046

	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:		251484047

	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>ms11872_424b2-38157.htm
<DESCRIPTION>PRICING SUPPLEMENT NO. 11,872
<TEXT>
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                            <P style="text-align: left; margin-top: 0; margin-bottom: 0; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>Pricing Supplement No. 11,872</font></FONT></P>
                            <P style="text-align: left; margin-top: 0; margin-bottom: 0; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>Registration Statement Nos. 333-275587; 333-275587-01</font></FONT></P>
                            <P style="text-align: left; margin-top: 0; margin-bottom: 0; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>Dated November 13, 2025</font></FONT></P>
                            <P style="text-align: left; margin-top: 0; margin-bottom: 0; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>Filed Pursuant to Rule 424(b)(2)</font></FONT></P>
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                <P style="text-align: left; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 11.0pt; ">&nbsp;</FONT></P>
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            <DIV style="width: 594.00pt; padding: 10pt 38.83pt 10pt 40.37pt; position: relative; margin-bottom: 20pt; ">
                <P style="margin-bottom: 0.0pt; margin-top: 0; "><FONT style="font-family: Times New Roman, Times, serif; color: black; font-size: 16.0pt; "><font style='white-space: pre-wrap;'>Morgan</font></FONT><FONT style="font-family: Arial, sans-serif; color: black; font-size: 8.0pt; "></FONT><FONT style="font-family: Times New Roman, Times, serif; color: black; font-size: 16.0pt; "><font style='white-space: pre-wrap;'> Stanley Finance LLC $4,292,690 Capped Trigger GEARS</font></FONT></P>
                <P style="margin-bottom: 0.0pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; color: black; font-size: 10.0pt; "><font style='white-space: pre-wrap;'>Linked to the S&amp;P 500</font></FONT><FONT style="font-family: Arial, sans-serif; color: black; font-size: 8pt; vertical-align: super; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Arial, sans-serif; color: black; font-size: 10.0pt; "><font style='white-space: pre-wrap;'> Index due November 15, 2029</font></FONT></P>
                <P style="margin-bottom: 0.0pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: black; font-size: 10.0pt; "><font style='white-space: pre-wrap;'>Fully and Unconditionally Guaranteed by Morgan Stanley</font></FONT></P>
                <P style="margin-bottom: 0.0pt; margin-top: 0; "><FONT style="font-family: Arial, sans-serif; color: black; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>Principal at Risk Securities</font></FONT></P>
                <TABLE width="594.50pt" style="margin-left: 1.9800000000000004pt; width: 594.50pt; table-layout: fixed; border-collapse: collapse; ">
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                        <TD colspan="4" style="padding-top: 0.0pt; padding-left: 3.96pt; padding-right: 3.96pt; padding-bottom: 0.0pt; background-color: #5A6F89; ">
                            <P style="margin-top: 2.2pt; margin-bottom: 2.2pt; line-height: 8.5pt; "><FONT style="font-weight: bold; color: #FFFFFF; font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>Investment Description</font></FONT></P>
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                    <TR style="vertical-align: top; min-height: 48.23pt; ">
                        <TD colspan="4" style="padding-top: 0.0pt; padding-left: 3.96pt; padding-right: 3.96pt; padding-bottom: 0.0pt; ">
                            <P style="margin-top: 2.2pt; margin-bottom: 1.1pt; line-height: 8.5pt; "><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>These Capped Trigger GEARS (the &#8220;Securities&#8221;) are unsecured and unsubordinated debt securities issued by Morgan Stanley Finance LLC (&#8220;MSFL&#8221;) and fully and unconditionally guaranteed by Morgan Stanley with returns linked to the performance of the S&amp;P 500</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 6pt; vertical-align: super; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; "><font style='white-space: pre-wrap;'> Index (the &#8220;Underlying&#8221;). If the Underlying Return is greater than zero, MSFL will pay the Principal Amount at maturity plus a return equal to 1.5 times the Underlying Return, up to the Maximum Gain of 42.45%. If the Underlying Return is less than or equal to zero, MSFL will either pay the full Principal Amount at maturity, or, if the Final Level is less than the Downside Threshold, MSFL will pay significantly less than the full Principal Amount at maturity, if anything, resulting in a loss of principal that is proportionate to the negative Underlying Return.  The Securities are for investors who seek an equity index-based return and who are willing to risk a loss on their principal, forgo current income and forgo returns above the Maximum Gain in exchange for the Upside Gearing feature and the contingent repayment of principal, which applies only if the Final Level is not less than the Downside Threshold, each as applicable at maturity.  </font></FONT><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>Investing in the Securities involves significant risks. You will not receive interest or dividend payments during the term of the Securities. You may lose a significant portion or all of your Principal Amount.  The contingent repayment of principal applies only if you hold the Securities to maturity. </font></FONT></P>
                            <P style="margin-top: 2.2pt; margin-bottom: 1.1pt; line-height: 8.5pt; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>All payments are subject to our credit risk.  If we default on our obligations, you could lose some or all of your investment.  These Securities are not secured obligations and you will not have any security interest in, or otherwise have any access to, any underlying reference asset or assets.</font></FONT></P>
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                        <TD style="padding-top: 0.0pt; padding-left: 3.96pt; padding-right: 3.96pt; padding-bottom: 0.0pt; background-color: #5A6F89; ">
                            <P style="margin-top: 2.2pt; margin-bottom: 2.2pt; line-height: 8.5pt; "><FONT style="font-weight: bold; color: #FFFFFF; font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>Features</font></FONT></P>
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                            <P style="margin-top: 0.0pt; line-height: 8.5pt; margin-bottom: 0; "><FONT style="font-weight: bold; color: #FFFFFF; font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
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                        <TD colspan="2" style="padding-top: 0.0pt; padding-left: 3.60pt; padding-right: 3.60pt; padding-bottom: 0.0pt; background-color: #5A6F89; ">
                            <P style="margin-top: 2.2pt; margin-bottom: 2.2pt; line-height: 8.5pt; "><FONT style="font-weight: bold; color: #FFFFFF; font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>Key Dates</font></FONT></P>
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                            <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; line-height: 7.0pt; margin-left: 25.30pt; 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: 8.0pt; ">&#10065;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>Enhanced Growth Potential up to the Maximum Gain:</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; "><font style='white-space: pre-wrap;'> At maturity, the Upside Gearing feature will provide leveraged exposure to any positive performance of the Underlying, up to the Maximum Gain.  If the Underlying Return is less than zero, investors may be exposed to the negative Underlying Return at maturity.</font></FONT></FONT></P>
                            <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; line-height: 7.0pt; margin-left: 25.36pt; 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: 8.0pt; ">&#10065;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>Contingent Repayment of Principal at Maturity:</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>  If the Underlying Return is equal to or less than zero and the Final Level is not less than the Downside Threshold, MSFL will pay the Principal Amount at maturity. However, if the Final Level is less than the Downside Threshold, MSFL will pay less than the full Principal Amount, if anything, resulting in a significant loss of principal that is proportionate to the negative Underlying Return. The contingent repayment of principal applies only if you hold the Securities to maturity.  Any payment on the Securities, including any repayment of principal, is subject to our creditworthiness.  </font></FONT></FONT></P>
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                            <P style="margin-top: 0.0pt; line-height: 8.5pt; margin-bottom: 0; "><FONT style="color: #000000; font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
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                        <TD style="padding-top: 0.0pt; padding-left: 3.96pt; padding-right: 3.96pt; padding-bottom: 0.0pt; ">
                            <P style="margin-top: 2pt; margin-bottom: 0pt; line-height: 8.5pt; text-indent: -15.84pt; padding-left: 21.34pt; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>Trade Date</font></FONT></P>
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                        <TD style="padding-top: 0.0pt; padding-left: 3.96pt; padding-right: 3.96pt; padding-bottom: 0.0pt; ">
                            <P style="margin-top: 2pt; margin-bottom: 0pt; line-height: 8.5pt; text-indent: -15.84pt; padding-left: 21.34pt; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>November 13, 2025</font></FONT></P>
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                        <TD style="padding-top: 0.0pt; padding-left: 3.96pt; padding-right: 3.96pt; padding-bottom: 0.0pt; ">
                            <P style="margin-top: 0.0pt; line-height: 8.5pt; margin-bottom: 0; "><FONT style="color: #000000; font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
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                        <TD style="padding-top: 0.0pt; padding-left: 3.96pt; padding-right: 3.96pt; padding-bottom: 0.0pt; ">
                            <P style="margin-top: 0pt; margin-bottom: 0pt; line-height: 8.5pt; text-indent: -15.84pt; padding-left: 21.34pt; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>Settlement Date</font></FONT></P>
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                        <TD style="padding-top: 0.0pt; padding-left: 3.96pt; padding-right: 3.96pt; padding-bottom: 0.0pt; ">
                            <P style="margin-top: 0pt; margin-bottom: 0pt; line-height: 8.5pt; text-indent: -15.84pt; padding-left: 21.34pt; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>November 17, 2025</font></FONT></P>
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                        <TD style="padding-top: 0.0pt; padding-left: 3.96pt; padding-right: 3.96pt; padding-bottom: 0.0pt; ">
                            <P style="margin-top: 0.0pt; line-height: 8.5pt; margin-bottom: 0; "><FONT style="color: #000000; font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
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                        <TD style="padding-top: 0.0pt; padding-left: 3.96pt; padding-right: 3.96pt; padding-bottom: 0.0pt; ">
                            <P style="margin-top: 0pt; margin-bottom: 0pt; line-height: 8.5pt; text-indent: -15.84pt; padding-left: 21.34pt; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>Final Valuation Date*</font></FONT></P>
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                        <TD style="padding-top: 0.0pt; padding-left: 3.96pt; padding-right: 3.96pt; padding-bottom: 0.0pt; ">
                            <P style="margin-top: 0pt; margin-bottom: 0pt; line-height: 8.5pt; text-indent: -15.84pt; padding-left: 21.34pt; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>November 13, 2029</font></FONT></P>
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                        <TD style="padding-top: 0.0pt; padding-left: 3.96pt; padding-right: 3.96pt; padding-bottom: 0.0pt; ">
                            <P style="margin-top: 0.0pt; line-height: 8.5pt; margin-bottom: 0; "><FONT style="color: #000000; font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
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                        <TD style="padding-top: 0.0pt; padding-left: 3.96pt; padding-right: 3.96pt; padding-bottom: 0.0pt; ">
                            <P style="margin-top: 0pt; margin-bottom: 0pt; line-height: 8.5pt; text-indent: -15.84pt; padding-left: 21.34pt; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>Maturity Date*</font></FONT></P>
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                        <TD style="padding-top: 0.0pt; padding-left: 3.96pt; padding-right: 3.96pt; padding-bottom: 0.0pt; ">
                            <P style="margin-top: 0pt; margin-bottom: 0pt; line-height: 8.5pt; text-indent: -15.84pt; padding-left: 21.34pt; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>November 15, 2029</font></FONT></P>
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                    <TR style="vertical-align: top; min-height: 65.84pt; ">
                        <TD style="padding-top: 0.0pt; padding-left: 3.96pt; padding-right: 3.96pt; padding-bottom: 0.0pt; ">
                            <P style="margin-top: 0.0pt; line-height: 8.5pt; margin-bottom: 0; "><FONT style="color: #000000; font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
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                        <TD colspan="2" style="padding-top: 0.0pt; padding-left: 3.96pt; padding-right: 3.96pt; padding-bottom: 0.0pt; ">
                            <P style="margin-top: 2.2pt; margin-bottom: 1.1pt; line-height: 8.5pt; text-indent: -15.84pt; padding-left: 21.34pt; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
                            <P style="margin-top: 2.2pt; margin-bottom: 1.1pt; line-height: 8.5pt; padding-left: 5.5pt; "><FONT style="font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>*Subject to postponement in the event of a Market Disruption Event or for non-Index Business Days. See &#8220;Postponement of Final Valuation Date and Maturity Date&#8221; under &#8220;Additional Terms of the Securities.&#8221;</font></FONT></P>
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                    <TR style="vertical-align: top; min-height: 16.61pt; ">
                        <TD colspan="5" style="padding-top: 0.0pt; padding-left: 0.00pt; padding-right: 0.00pt; padding-bottom: 0.0pt; vertical-align: middle; ">
                            <P style="margin-top: 0.0pt; margin-bottom: 2.2pt; line-height: 7.0pt; "><FONT style="font-weight: bold; text-transform: uppercase; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>The Securities are significantly riskier than conventional debt INSTRUMENTS. the terms of the securities may not obligate us TO REPAY THE FULL PRINCIPAL AMOUNT OF THE SECURITIES. the Securities CAN have downside MARKET risk SIMILAR TO the UnDERLYING, WHICH CAN RESULT IN A LOSS OF A SIGNIFICANT PORTION OR ALL OF YOUR INVESTMENT at maturity. This MARKET risk is in addition to the CREDIT risk INHERENT IN PURCHASING our DEBT OBLIGATIONS.&#160; You should not PURCHASE the Securities if you do not understand or are not comfortable with the significant risks INVOLVED in INVESTING IN the Securities.  THE SECURITIES WILL NOT BE LISTED ON ANY SECURITIES EXCHANGE.</font></FONT></P>
                            <P style="margin-top: 0.0pt; margin-bottom: 3.3pt; line-height: 7.0pt; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>YOU SHOULD CAREFULLY CONSIDER THE RISKS DESCRIBED UNDER &#8216;&#8216;KEY RISKS&#8217;&#8217; BEGINNING ON PAGE 5 OF THIS PRICING SUPPLEMENT IN CONNECTION WITH YOUR PURCHASE OF THE SECURITIES.  EVENTS RELATING TO ANY OF THOSE RISKS, OR OTHER RISKS AND UNCERTAINTIES, COULD ADVERSELY AFFECT THE MARKET VALUE OF, AND THE RETURN ON, YOUR SECURITIES.</font></FONT></P>
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                        <TD colspan="5" style="padding-top: 0.0pt; padding-left: 0.00pt; padding-right: 0.00pt; padding-bottom: 0.0pt; background-color: #5A6F89; vertical-align: middle; ">
                            <P style="margin-top: 2.2pt; margin-bottom: 2.2pt; line-height: 8.5pt; "><FONT style="font-weight: bold; color: #FFFFFF; font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'> Security Offering</font></FONT></P>
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                    <TR style="vertical-align: top; ">
                        <TD colspan="5" style="padding-top: 0.0pt; padding-left: 0.00pt; padding-right: 0.00pt; padding-bottom: 0.0pt; ">
                            <P style="margin-top: 3.3pt; line-height: 8.5pt; padding-left: 3.19pt; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>We are offering Capped Trigger GEARS linked to the S&amp;P 500</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 6pt; vertical-align: super; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; "><font style='white-space: pre-wrap;'> Index.  The return on the Securities is limited by, and will be subject to, the predetermined Maximum Gain. The Securities are offered at a minimum investment of 100 Securities at the Price to Public listed below.</font></FONT></P>
                            <DIV width="100.00%" style="margin-left: 0pt; width: 100.00%; border-collapse: collapse; display: table; ">
                                <DIV style="display: table-row; ">
                                    <DIV width="15.71%" style="width: 15.71%; border: 0; margin: 0; padding: 0; height: 0; display: table-cell; ">
                                    </DIV>
                                    <DIV width="15.71%" style="width: 15.71%; border: 0; margin: 0; padding: 0; height: 0; display: table-cell; ">
                                    </DIV>
                                    <DIV width="15.71%" style="width: 15.71%; border: 0; margin: 0; padding: 0; height: 0; display: table-cell; ">
                                    </DIV>
                                    <DIV width="15.71%" style="width: 15.71%; border: 0; margin: 0; padding: 0; height: 0; display: table-cell; ">
                                    </DIV>
                                    <DIV width="15.71%" style="width: 15.71%; border: 0; margin: 0; padding: 0; height: 0; display: table-cell; ">
                                    </DIV>
                                    <DIV width="15.71%" style="width: 15.71%; border: 0; margin: 0; padding: 0; height: 0; display: table-cell; ">
                                    </DIV>
                                    <DIV width="15.73%" style="width: 15.73%; border: 0; margin: 0; padding: 0; height: 0; display: table-cell; ">
                                    </DIV>
                                </DIV>
                                <DIV style="vertical-align: top; display: table-row; ">
                                    <DIV style="padding-top: 1.59pt; padding-left: 3.96pt; padding-right: 3.96pt; padding-bottom: 0.0pt; border-bottom:  0.50pt solid black; vertical-align: bottom; display: table-cell; ">
                                        <P style="margin-top: 0.0pt; line-height: 8.5pt; border-bottom:  0.50pt solid black; text-align: center; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>Underlying</font></FONT></P>
                                    </DIV>
                                    <DIV style="padding-top: 1.59pt; padding-left: 3.96pt; padding-right: 3.96pt; padding-bottom: 0.0pt; border-bottom:  0.50pt solid black; vertical-align: bottom; display: table-cell; ">
                                        <P style="margin-top: 0.0pt; line-height: 8.5pt; border-bottom:  0.50pt solid black; text-align: center; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>Initial Level</font></FONT></P>
                                    </DIV>
                                    <DIV style="padding-top: 1.59pt; padding-left: 0.00pt; padding-right: 0.00pt; padding-bottom: 0.0pt; border-bottom:  0.50pt solid black; vertical-align: bottom; display: table-cell; ">
                                        <P style="margin-top: 0.0pt; line-height: 8.5pt; border-bottom:  0.50pt solid black; text-align: center; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>Upside Gearing</font></FONT></P>
                                    </DIV>
                                    <DIV style="padding-top: 1.59pt; padding-left: 3.96pt; padding-right: 3.96pt; padding-bottom: 0.0pt; border-bottom:  0.50pt solid black; vertical-align: bottom; display: table-cell; ">
                                        <P style="margin-top: 0.0pt; line-height: 8.5pt; border-bottom:  0.50pt solid black; text-align: center; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>Maximum Gain</font></FONT></P>
                                    </DIV>
                                    <DIV style="padding-top: 1.59pt; padding-left: 3.96pt; padding-right: 3.96pt; padding-bottom: 0.0pt; border-bottom:  0.50pt solid black; vertical-align: bottom; display: table-cell; ">
                                        <P style="margin-top: 0.0pt; line-height: 8.5pt; border-bottom:  0.50pt solid black; text-align: center; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>Downside Threshold</font></FONT></P>
                                    </DIV>
                                    <DIV style="padding-top: 1.59pt; padding-left: 3.96pt; padding-right: 3.96pt; padding-bottom: 0.0pt; border-bottom:  0.50pt solid black; vertical-align: bottom; display: table-cell; ">
                                        <P style="margin-top: 0.0pt; line-height: 8.5pt; border-bottom:  0.50pt solid black; text-align: center; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>CUSIP</font></FONT></P>
                                    </DIV>
                                    <DIV style="padding-top: 1.59pt; padding-left: 3.96pt; padding-right: 3.96pt; padding-bottom: 0.0pt; border-bottom:  0.50pt solid black; vertical-align: bottom; display: table-cell; ">
                                        <P style="margin-top: 0.0pt; line-height: 8.5pt; border-bottom:  0.50pt solid black; text-align: center; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>ISIN</font></FONT></P>
                                    </DIV>
                                </DIV>
                                <DIV style="vertical-align: top; display: table-row; ">
                                    <DIV style="padding-top: 1.59pt; padding-left: 3.96pt; padding-right: 3.96pt; padding-bottom: 0.0pt; border-bottom:  0.50pt solid black; border-top:  0.50pt solid black; vertical-align: middle; display: table-cell; ">
                                        <P style="margin-top: 0.0pt; line-height: 8.5pt; text-align: center; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: normal; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>S&amp;P 500</font></FONT><FONT style="font-family: Arial, sans-serif; font-weight: normal; vertical-align: super; font-size: 6pt; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Arial, sans-serif; font-weight: normal; font-size: 8.0pt; "><font style='white-space: pre-wrap;'> Index</font></FONT></P>
                                    </DIV>
                                    <DIV style="padding-top: 1.59pt; padding-left: 3.96pt; padding-right: 3.96pt; padding-bottom: 0.0pt; border-bottom:  0.50pt solid black; border-top:  0.50pt solid black; vertical-align: middle; display: table-cell; ">
                                        <P style="margin-top: 0.0pt; line-height: 8.5pt; text-align: center; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: normal; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>6,737.49</font></FONT></P>
                                    </DIV>
                                    <DIV style="padding-top: 1.59pt; padding-left: 3.96pt; padding-right: 3.96pt; padding-bottom: 0.0pt; border-bottom:  0.50pt solid black; border-top:  0.50pt solid black; vertical-align: middle; display: table-cell; ">
                                        <P style="margin-top: 0.0pt; line-height: 8.5pt; text-align: center; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: normal; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>1.5</font></FONT></P>
                                    </DIV>
                                    <DIV style="padding-top: 1.59pt; padding-left: 3.96pt; padding-right: 3.96pt; padding-bottom: 0.0pt; border-bottom:  0.50pt solid black; border-top:  0.50pt solid black; vertical-align: middle; display: table-cell; ">
                                        <P style="margin-top: 0.0pt; line-height: 8.5pt; text-align: center; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: normal; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>42.45%, which corresponds to a maximum Payment at Maturity of $14.245 per Security</font></FONT></P>
                                    </DIV>
                                    <DIV style="padding-top: 1.59pt; padding-left: 3.96pt; padding-right: 3.96pt; padding-bottom: 0.0pt; border-bottom:  0.50pt solid black; border-top:  0.50pt solid black; vertical-align: middle; display: table-cell; ">
                                        <P style="margin-top: 0.0pt; line-height: 8.5pt; text-align: center; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: normal; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>5,053.12, which is approximately 75% of the Initial Level</font></FONT></P>
                                    </DIV>
                                    <DIV style="padding-top: 1.59pt; padding-left: 3.96pt; padding-right: 3.96pt; padding-bottom: 0.0pt; border-bottom:  0.50pt solid black; border-top:  0.50pt solid black; vertical-align: middle; display: table-cell; ">
                                        <P style="margin-top: 0.0pt; line-height: 8.5pt; text-align: center; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: normal; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>61778Q757</font></FONT></P>
                                    </DIV>
                                    <DIV style="padding-top: 1.59pt; padding-left: 3.96pt; padding-right: 3.96pt; padding-bottom: 0.0pt; border-bottom:  0.50pt solid black; border-top:  0.50pt solid black; vertical-align: middle; display: table-cell; ">
                                        <P style="margin-top: 0.0pt; line-height: 8.5pt; text-align: center; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: normal; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>US61778Q7575</font></FONT></P>
                                    </DIV>
                                </DIV>
                            </DIV>
                        </TD>
                    </TR>
                </TABLE>
                <P style="margin-top: 0.0pt; margin-bottom: 1.1pt; line-height: 8.0pt; text-indent: 0.0pt; text-align: justify; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>See &#8220;Additional Information about Morgan Stanley, MSFL and the Securities&#8221; on page 2. The Securities will have the terms set forth in the accompanying prospectus, prospectus supplement and index supplement and this pricing supplement.</font></FONT></P>
                <P style="margin-top: 0.0pt; margin-bottom: 3.3pt; line-height: 8.0pt; text-indent: 0.0pt; text-align: justify; "><FONT style="font-family: Arial, sans-serif; font-style: italic; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>Neither the Securities and Exchange Commission nor any other regulatory body has approved or disapproved of these Securities or passed upon the adequacy or accuracy of this pricing supplement or the accompanying prospectus supplement, index supplement and prospectus. Any representation to the contrary is a criminal offense. 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>
                <TABLE width="98.68%" style="margin-left: 0.0pt; width: 98.68%; table-layout: fixed; border-collapse: collapse; ">
                    <TR>
                        <TD width="203.56pt" style="width: 203.56pt; border: 0; margin: 0; padding: 0; height: 0; ">
                        </TD>
                        <TD width="130.13pt" style="width: 130.13pt; border: 0; margin: 0; padding: 0; height: 0; ">
                        </TD>
                        <TD width="130.13pt" style="width: 130.13pt; border: 0; margin: 0; padding: 0; height: 0; ">
                        </TD>
                        <TD width="130.18pt" style="width: 130.18pt; border: 0; margin: 0; padding: 0; height: 0; ">
                        </TD>
                        <TD width="0.00pt" style="width: 0.00pt; border: 0; margin: 0; padding: 0; height: 0; ">
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; min-height: 1.93pt; ">
                        <TD style="padding-top: 1.59pt; padding-left: 3.96pt; padding-right: 3.96pt; padding-bottom: 0.0pt; border-bottom:  0.50pt solid black; border-top:  0.50pt solid black; ">
                            <P style="margin-top: 0.0pt; line-height: 8.5pt; text-align: center; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>Estimated value on the Trade Date</font></FONT></P>
                        </TD>
                        <TD colspan="3" style="padding-top: 1.59pt; padding-left: 3.96pt; padding-right: 3.96pt; padding-bottom: 0.0pt; border-bottom:  0.50pt solid black; border-top:  0.50pt solid black; vertical-align: bottom; ">
                            <P style="margin-top: 0.0pt; line-height: 8.5pt; text-align: left; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: normal; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>$9.605 per Security.  See &#8220;Additional Information about Morgan Stanley, MSFL and the Securities&#8221; on page 2.</font></FONT></P>
                        </TD>
                        <TD>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; min-height: 1.38pt; ">
                        <TD style="padding-top: 1.59pt; padding-left: 3.96pt; padding-right: 3.96pt; padding-bottom: 0.0pt; border-bottom:  0.50pt solid black; border-top:  0.50pt solid black; vertical-align: bottom; ">
                            <P style="margin-top: 6.6pt; line-height: 8.5pt; text-align: center; margin-bottom: 0; "><FONT style="font-weight: bold; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 1.59pt; padding-left: 3.96pt; padding-right: 3.96pt; padding-bottom: 0.0pt; border-bottom:  0.50pt solid black; border-top:  0.50pt solid black; vertical-align: bottom; ">
                            <P style="margin-top: 0.0pt; line-height: 8.5pt; border-bottom:  0.50pt solid black; text-align: center; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>Price to Public</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 1.59pt; padding-left: 3.96pt; padding-right: 3.96pt; padding-bottom: 0.0pt; border-bottom:  0.50pt solid black; border-top:  0.50pt solid black; vertical-align: bottom; ">
                            <P style="margin-top: 0.0pt; line-height: 8.5pt; border-bottom:  0.50pt solid black; text-align: center; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>Underwriting Discount</font></FONT><FONT style="font-family: Arial, sans-serif; vertical-align: super; font-weight: bold; font-size: 6pt; "><font style='white-space: pre-wrap;'>(1)</font></FONT></P>
                        </TD>
                        <TD colspan="2" style="padding-top: 1.59pt; padding-left: 3.96pt; padding-right: 3.96pt; padding-bottom: 0.0pt; border-bottom:  0.50pt solid black; border-top:  0.50pt solid black; vertical-align: bottom; ">
                            <P style="margin-top: 0.0pt; line-height: 8.5pt; border-bottom:  0.50pt solid black; text-align: center; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>Proceeds to Us</font></FONT><FONT style="font-family: Arial, sans-serif; vertical-align: super; font-weight: bold; font-size: 6pt; "><font style='white-space: pre-wrap;'>(2)</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 1.59pt; padding-left: 3.96pt; padding-right: 3.96pt; padding-bottom: 0.0pt; border-bottom:  0.50pt solid black; border-top:  0.50pt solid black; ">
                            <P style="margin-top: 0.0pt; line-height: 8.5pt; text-align: center; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: normal; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>Per Security</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 1.59pt; padding-left: 3.96pt; padding-right: 3.96pt; padding-bottom: 0.0pt; border-bottom:  0.50pt solid black; border-top:  0.50pt solid black; ">
                            <P style="margin-top: 0.0pt; line-height: 8.5pt; text-align: center; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: normal; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>$10.00</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 1.59pt; padding-left: 3.96pt; padding-right: 3.96pt; padding-bottom: 0.0pt; border-bottom:  0.50pt solid black; border-top:  0.50pt solid black; ">
                            <P style="margin-top: 0.0pt; line-height: 8.5pt; text-align: center; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: normal; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>$0.30</font></FONT></P>
                        </TD>
                        <TD colspan="2" style="padding-top: 1.59pt; padding-left: 3.96pt; padding-right: 3.96pt; padding-bottom: 0.0pt; border-bottom:  0.50pt solid black; border-top:  0.50pt solid black; ">
                            <P style="margin-top: 0.0pt; line-height: 8.5pt; text-align: center; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: normal; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>$9.70</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 1.59pt; padding-left: 3.96pt; padding-right: 3.96pt; padding-bottom: 0.0pt; border-bottom:  0.50pt solid black; border-top:  0.50pt solid black; ">
                            <P style="margin-top: 0.0pt; line-height: 8.5pt; text-align: center; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: normal; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>Total</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 1.59pt; padding-left: 3.96pt; padding-right: 3.96pt; padding-bottom: 0.0pt; border-bottom:  0.50pt solid black; border-top:  0.50pt solid black; ">
                            <P style="margin-top: 0.0pt; line-height: 8.5pt; text-align: center; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: normal; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>$4,292,690</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 1.59pt; padding-left: 3.96pt; padding-right: 3.96pt; padding-bottom: 0.0pt; border-bottom:  0.50pt solid black; border-top:  0.50pt solid black; ">
                            <P style="margin-top: 0.0pt; line-height: 8.5pt; text-align: center; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: normal; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>$128,780.70</font></FONT></P>
                        </TD>
                        <TD colspan="2" style="padding-top: 1.59pt; padding-left: 3.96pt; padding-right: 3.96pt; padding-bottom: 0.0pt; border-bottom:  0.50pt solid black; border-top:  0.50pt solid black; ">
                            <P style="margin-top: 0.0pt; line-height: 8.5pt; text-align: center; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: normal; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>$4,163,909.30</font></FONT></P>
                        </TD>
                    </TR>
                </TABLE>
                <P style="margin-top: 1.1pt; line-height: 8.0pt; text-indent: -19.8pt; padding-left: 19.8pt; text-align: justify; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 7.0pt; "><font style='white-space: pre-wrap;'>(1)</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 7.0pt; width: 11.55pt; display: inline-block; ">&nbsp;</FONT><FONT style="font-family: Arial, sans-serif; font-size: 7.0pt; "></FONT><FONT style="font-family: Arial, sans-serif; font-size: 7.0pt; "><font style='white-space: pre-wrap;'>UBS</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; "></FONT><FONT style="font-family: Arial, sans-serif; font-size: 7.0pt; "><font style='white-space: pre-wrap;'> Financial Services Inc., acting as dealer, will receive from Morgan Stanley &amp; Co. LLC, the agent, a fixed sales commission of $0.30 for each Security it sells.  For more information, please see &#8220;Supplemental Plan of Distribution; Conflicts of Interest&#8221; on page 22 of this pricing supplement.</font></FONT></P>
                <P style="margin-top: 1.1pt; line-height: 8.0pt; text-indent: -19.8pt; padding-left: 19.8pt; text-align: justify; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 7.0pt; "><font style='white-space: pre-wrap;'>(2)</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 7.0pt; width: 11.55pt; display: inline-block; ">&nbsp;</FONT><FONT style="font-family: Arial, sans-serif; font-size: 7.0pt; "></FONT><FONT style="font-family: Arial, sans-serif; font-size: 7.0pt; "><font style='white-space: pre-wrap;'>See</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; "></FONT><FONT style="font-family: Arial, sans-serif; font-size: 7.0pt; "><font style='white-space: pre-wrap;'> &#8220;Use of Proceeds and Hedging&#8221; on page 22. </font></FONT></P>
                <P style="margin-top: 1.1pt; line-height: 8.0pt; text-indent: 0.0pt; text-align: left; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 7.0pt; "><font style='white-space: pre-wrap;'>The agent for this offering, Morgan Stanley &amp; Co. LLC, is our affiliate and a wholly owned subsidiary of Morgan Stanley.  See &#8220;Supplemental Plan of Distribution; Conflicts of Interest&#8221; on page 22 of this pricing supplement.</font></FONT></P>
                <P style="margin-top: 0.0pt; line-height: 1.2; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 11.0pt; "><font style='white-space: pre-wrap;'>Morgan Stanley</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 11.0pt; width: 375.37pt; display: inline-block; ">&nbsp;</FONT><FONT style="font-family: Arial, sans-serif; font-size: 11.0pt; "></FONT><FONT style="font-family: Arial, sans-serif; font-size: 11.0pt; "><font style='white-space: pre-wrap;'>UBS</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; "></FONT><FONT style="font-family: Arial, sans-serif; font-size: 11.0pt; "><font style='white-space: pre-wrap;'> Financial Services Inc.</font></FONT></P>
            </DIV>
            <DIV style="width: 594.00pt; padding: 0 38.83pt 25.36pt 40.37pt; min-height: 14.25pt; position: relative; ">
                <P style="line-height: 1.2; text-align: right; margin-top: 0; margin-bottom: 0; "><FONT style="font-size: 7.0pt; font-family: Arial, sans-serif; ">&nbsp;</FONT></P>
            </DIV>
        </DIV>
        <DIV style="page-break-after: always; border-bottom: 1pt solid black; ">
            <P></P>
        </DIV>
        <DIV style="margin: auto; width: 673.20pt; padding: 36pt 0; ">
            <DIV style="width: 550.44pt; padding: 37.23pt 60.17pt 0 62.59pt; min-height: 22.16pt; position: relative; ">
                <P style="text-align: left; margin-top: 0; margin-bottom: 0; margin-right: -201.96pt; "><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; width: 39.60pt; display: inline-block; ">&nbsp;</FONT><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; "></FONT></P>
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                <TABLE width="100.00%" style="margin-left: -3.96pt; width: 100.00%; table-layout: fixed; border-collapse: collapse; ">
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                            <P style="margin-top: 2.2pt; margin-bottom: 2.2pt; line-height: 1.2; "><FONT style="font-weight: bold; color: #FFFFFF; font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>Additional </font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; "></FONT><FONT style="font-weight: bold; color: #FFFFFF; font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>Information about Morgan Stanley, MSFL and the Securities</font></FONT></P>
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                <P style="text-align: left; margin-top: 13.2pt; line-height: 1.2; text-indent: 0.0pt; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>Morgan Stanley and MSFL have filed a registration statement (including a prospectus, as supplemented by a prospectus supplement and an index supplement) with the SEC for the offering to which this communication relates. In connection with your investment, you should read the prospectus in that registration statement, the prospectus supplement, 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 prospectus 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 for free by visiting EDGAR on the SEC website at</font></FONT><FONT style="font-family: Arial, sans-serif; color: #FFFFFF; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>.</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>www.sec.gov. Alternatively, Morgan Stanley, MSFL, any underwriter or any dealer participating in this offering will arrange to send you the prospectus, the prospectus supplement and the index supplement if you so request by calling toll-free 1-(800)-584-6837.</font></FONT></P>
                <P style="text-align: left; margin-top: 13.2pt; line-height: 1.2; text-indent: 0.0pt; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>You may access the accompanying prospectus supplement, index supplement and prospectus on the SEC website at</font></FONT><FONT style="font-family: Arial, sans-serif; color: #FFFFFF; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>.</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>www.sec.gov as follows:</font></FONT></P>
                <P style="margin-top: 6.6pt; line-height: 1.2; text-align: left; 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; font-size: 8.0pt; ">&#9830;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>Prospectus supplement dated November 16, 2023:</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; text-decoration-style: solid; text-decoration-line: underline; "><U><BR></U></FONT><A href="https://www.sec.gov/Archives/edgar/data/895421/000095010323016325/dp202714_4242-seriesa.htm" style="word-break: break-all; "><FONT style="font-family: Arial, sans-serif; color: black; font-size: 8.0pt; text-decoration-style: solid; text-decoration-line: underline; "><U><font style='white-space: pre-wrap;'>https://www.sec.gov/Archives/edgar/data/895421/000095010323016325/dp202714_4242-seriesa.htm</font></U></FONT></A><FONT style="font-family: Arial, sans-serif; color: black; font-size: 8.0pt; text-decoration-style: solid; text-decoration-line: underline; "><U><font style='white-space: pre-wrap;'></font></U></FONT></FONT></P>
                <P style="margin-top: 6.6pt; line-height: 1.2; text-align: left; 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; font-size: 8.0pt; ">&#9830;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>Index supplement dated November 16, 2023:</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; text-decoration-style: solid; text-decoration-line: underline; "><U><BR></U></FONT><A href="https://www.sec.gov/Archives/edgar/data/895421/000095010323016332/dp202718_424b2-isn2023.htm" style="word-break: break-all; "><FONT style="font-family: Arial, sans-serif; color: black; font-size: 8.0pt; text-decoration-style: solid; text-decoration-line: underline; "><U><font style='white-space: pre-wrap;'>https://www.sec.gov/Archives/edgar/data/895421/000095010323016332/dp202718_424b2-isn2023.htm</font></U></FONT></A><FONT style="font-family: Arial, sans-serif; color: black; font-size: 8.0pt; text-decoration-style: solid; text-decoration-line: underline; "><U><font style='white-space: pre-wrap;'></font></U></FONT></FONT></P>
                <P style="margin-top: 6.6pt; line-height: 1.2; text-align: left; 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; font-size: 8.0pt; ">&#9830;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>Prospectus dated April 12, 2024:</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; text-decoration-style: solid; text-decoration-line: underline; "><U><BR></U></FONT><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; color: black; font-size: 8.0pt; text-decoration-style: solid; text-decoration-line: underline; "><U><font style='white-space: pre-wrap;'>https://www.sec.gov/Archives/edgar/data/895421/000095010324005205/dp209505_424b2-base.htm</font></U></FONT></A><FONT style="font-family: Arial, sans-serif; color: black; font-size: 8.0pt; text-decoration-style: solid; text-decoration-line: underline; "><U><font style='white-space: pre-wrap;'></font></U></FONT></FONT></P>
                <P style="text-align: left; margin-top: 13.2pt; line-height: 1.2; text-indent: 0.0pt; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-style: italic; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>References to &#8220;MSFL&#8221; refer only to MSFL, references to &#8220;Morgan Stanley&#8221; refer only to Morgan Stanley and references to &#8220;we,&#8221; &#8220;our&#8221; and &#8220;us&#8221; refer to MSFL and Morgan Stanley collectively. In this document, the &#8220;Securities&#8221; refers to the Capped Trigger GEARS that are offered hereby. Also, references to the accompanying &#8220;prospectus&#8221;, &#8220;prospectus supplement&#8221; and &#8220;index supplement&#8221; mean the prospectus filed by MSFL and Morgan Stanley dated April 12, 2024, the prospectus supplement filed by MSFL and Morgan Stanley dated November 16, 2023 and the index supplement filed by MSFL and Morgan Stanley dated November 16, 2023, respectively.</font></FONT></P>
                <P style="text-align: left; margin-top: 13.2pt; line-height: 1.2; text-indent: 0.0pt; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>You should rely only on the information incorporated by reference or provided in this pricing supplement or the accompanying prospectus supplement, index supplement and prospectus. We have not authorized anyone to provide you with different information. We are not making an offer of these securities in any state where the offer is not permitted. You should not assume that the information in this pricing supplement or the accompanying prospectus supplement, index supplement and prospectus is accurate as of any date other than the date on the front of this document.</font></FONT><FONT style="font-size: 12.0pt; font-family: Times New Roman, Times, serif; "><font style='white-space: pre-wrap;'> </font></FONT></P>
                <P style="margin-top: 13.2pt; line-height: 1.2; text-indent: 0.0pt; text-align: justify; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>The Issue Price of each Security is $10.  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 Trade Date is less than $10.  We estimate that the value of each Security on the Trade Date is $9.605.</font></FONT></P>
                <P style="margin-top: 13.2pt; line-height: 1.2; text-indent: 0.0pt; text-align: justify; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-style: italic; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>What goes into the estimated value on the Trade Date?</font></FONT></P>
                <P style="margin-top: 13.2pt; line-height: 1.2; text-indent: 0.0pt; text-align: justify; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>In valuing the Securities on the Trade Date, we take into account that the Securities comprise both a debt component and a performance-based component linked to the Underlying. The estimated value of the Securities is determined using our own pricing and valuation models, market inputs and assumptions relating to the Underlying, instruments based on the Underlying, 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: 13.2pt; line-height: 1.2; text-indent: 0.0pt; text-align: justify; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-style: italic; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>What determines the economic terms of the Securities?</font></FONT></P>
                <P style="margin-top: 13.2pt; line-height: 1.2; text-indent: 0.0pt; text-align: justify; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>In determining the economic terms of the Securities, including the Upside Gearing, the Maximum Gain and the Downside Threshold, 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: 13.2pt; line-height: 1.2; text-indent: 0.0pt; text-align: justify; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-style: italic; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>What is the relationship between the estimated value on the Trade Date and the secondary market price of the Securities?</font></FONT></P>
                <P style="margin-top: 13.2pt; line-height: 1.2; text-indent: 0.0pt; text-align: justify; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>The price at which MS &amp; Co. purchases the Securities in the secondary market, absent changes in market conditions, including those related to the Underlying, may vary from, and be lower than, the estimated value on the Trade 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 10 months following the Settlement 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, 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: 13.2pt; line-height: 1.2; text-indent: 0.0pt; text-align: justify; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>MS &amp; Co. currently intends, 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: 550.44pt; padding: 0 60.17pt 15.46pt 62.59pt; min-height: 24.15pt; position: relative; ">
                <P style="line-height: 1.2; text-align: right; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 7.0pt; width: 39.60pt; display: inline-block; ">&nbsp;</FONT><FONT style="font-family: Arial, sans-serif; font-size: 7.0pt; "><FONT>2</FONT></FONT></P>
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                <TABLE width="97.74%" style="margin-left: 0.5499999999999998pt; width: 97.74%; table-layout: fixed; border-collapse: collapse; ">
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                        <TD colspan="2" style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; background-color: #5A6F89; vertical-align: middle; ">
                            <P style="margin-top: 2.2pt; margin-bottom: 2.2pt; line-height: 12.0pt; padding-left: 3.91pt; "><FONT style="font-family: Arial, sans-serif; color: #FFFFFF; font-size: 9.0pt; font-weight: bold; "><font style='white-space: pre-wrap;'>Investor Suitability </font></FONT></P>
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                        <TD style="padding-top: 0.0pt; padding-left: 5.75pt; padding-right: 11.50pt; padding-bottom: 0.0pt; ">
                            <P style="margin-top: 0.0pt; line-height: 1.2; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>The Securities may be suitable for you if:</font></FONT></P>
                            <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 1.2; margin-left: 21.34pt; text-indent: -16.61pt; "><!--[if IE]<FONT style="display: inline-block; width: 16.61pt; text-indent: -16.61pt; "><![endif]--><FONT style="display: inline-block; width: 16.61pt; text-indent: 0; text-align: left; font-size: 9.0pt; ">&#9830;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>You fully understand the risks inherent in an investment in the Securities, including the risk of loss of your entire initial investment.</font></FONT></FONT></P>
                            <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 1.2; margin-left: 21.34pt; text-indent: -16.61pt; "><!--[if IE]<FONT style="display: inline-block; width: 16.61pt; text-indent: -16.61pt; "><![endif]--><FONT style="display: inline-block; width: 16.61pt; text-indent: 0; text-align: left; font-size: 9.0pt; ">&#9830;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>You can tolerate a loss of all or a substantial portion of your Principal Amount and are willing to make an investment that may have the same downside market risk as the Underlying.</font></FONT></FONT></P>
                            <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 1.2; margin-left: 21.34pt; text-indent: -16.61pt; "><!--[if IE]<FONT style="display: inline-block; width: 16.61pt; text-indent: -16.61pt; "><![endif]--><FONT style="display: inline-block; width: 16.61pt; text-indent: 0; text-align: left; font-size: 9.0pt; ">&#9830;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>You understand and accept the risks associated with the Underlying.</font></FONT></FONT></P>
                            <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 1.2; margin-left: 21.40pt; text-indent: -16.61pt; "><!--[if IE]<FONT style="display: inline-block; width: 16.61pt; text-indent: -16.61pt; "><![endif]--><FONT style="display: inline-block; width: 16.61pt; text-indent: 0; text-align: left; font-size: 9.0pt; ">&#9830;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>You are willing to hold the Securities to maturity, as set forth on the cover of this pricing supplement, and accept that there may be little or no secondary market for the Securities.</font></FONT></FONT></P>
                            <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 1.2; margin-left: 21.34pt; text-indent: -16.61pt; "><!--[if IE]<FONT style="display: inline-block; width: 16.61pt; text-indent: -16.61pt; "><![endif]--><FONT style="display: inline-block; width: 16.61pt; text-indent: 0; text-align: left; font-size: 9.0pt; ">&#9830;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>You believe the Underlying will appreciate over the term of the Securities and that the appreciation is unlikely to exceed the Maximum Gain of 42.45%.</font></FONT></FONT></P>
                            <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 1.2; margin-left: 22.99pt; 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: black; font-size: 8.0pt; ">&#9830;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>You are willing to invest in the Securities based on the Maximum Gain of 42.45%.</font></FONT></FONT></P>
                            <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 1.2; margin-left: 21.34pt; text-indent: -16.61pt; "><!--[if IE]<FONT style="display: inline-block; width: 16.61pt; text-indent: -16.61pt; "><![endif]--><FONT style="display: inline-block; width: 16.61pt; text-indent: 0; text-align: left; font-size: 9.0pt; ">&#9830;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>You can tolerate fluctuations of the price of the Securities prior to maturity that may be similar to or exceed the downside fluctuations in the level of the Underlying.</font></FONT></FONT></P>
                            <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 1.2; margin-left: 21.34pt; text-indent: -16.61pt; "><!--[if IE]<FONT style="display: inline-block; width: 16.61pt; text-indent: -16.61pt; "><![endif]--><FONT style="display: inline-block; width: 16.61pt; text-indent: 0; text-align: left; font-size: 9.0pt; ">&#9830;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>You do not seek current income from your investment and are willing to forgo dividends paid on the stocks included in the Underlying.</font></FONT></FONT></P>
                            <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 1.2; margin-left: 21.34pt; text-indent: -16.61pt; "><!--[if IE]<FONT style="display: inline-block; width: 16.61pt; text-indent: -16.61pt; "><![endif]--><FONT style="display: inline-block; width: 16.61pt; text-indent: 0; text-align: left; font-size: 9.0pt; ">&#9830;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>You are willing to assume our credit risk, and understand that if we default on our obligations you may not receive any amounts due to you including any repayment of principal.</font></FONT></FONT></P>
                            <P style="margin-top: 1.1pt; margin-bottom: 1.1pt; line-height: 1.2; padding-left: 17.88pt; "><FONT style="font-size: 10.0pt; font-family: Arial, sans-serif; ">&nbsp;</FONT></P>
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                        <TD style="padding-top: 0.0pt; padding-left: 11.50pt; padding-right: 5.75pt; padding-bottom: 0.0pt; ">
                            <P style="margin-top: 0.0pt; line-height: 1.2; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>The Securities may not be suitable for you if:</font></FONT></P>
                            <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 1.2; margin-left: 21.34pt; text-indent: -17.27pt; "><!--[if IE]<FONT style="display: inline-block; width: 17.27pt; text-indent: -17.27pt; "><![endif]--><FONT style="display: inline-block; width: 17.27pt; text-indent: 0; text-align: left; font-size: 9.0pt; ">&#9830;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>You do not fully understand the risks inherent in an investment in the Securities, including the risk of loss of your entire initial investment.</font></FONT></FONT></P>
                            <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 1.2; margin-left: 21.34pt; text-indent: -17.27pt; "><!--[if IE]<FONT style="display: inline-block; width: 17.27pt; text-indent: -17.27pt; "><![endif]--><FONT style="display: inline-block; width: 17.27pt; text-indent: 0; text-align: left; font-size: 9.0pt; ">&#9830;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>You cannot tolerate a loss of all or a substantial portion of your Principal Amount, and you are not willing to make an investment that may have the same downside market risk as the Underlying.</font></FONT></FONT></P>
                            <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 1.2; margin-left: 21.34pt; text-indent: -17.27pt; "><!--[if IE]<FONT style="display: inline-block; width: 17.27pt; text-indent: -17.27pt; "><![endif]--><FONT style="display: inline-block; width: 17.27pt; text-indent: 0; text-align: left; font-size: 9.0pt; ">&#9830;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>You require an investment designed to provide a full return of principal at maturity.</font></FONT></FONT></P>
                            <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 1.2; margin-left: 21.34pt; text-indent: -17.27pt; "><!--[if IE]<FONT style="display: inline-block; width: 17.27pt; text-indent: -17.27pt; "><![endif]--><FONT style="display: inline-block; width: 17.27pt; text-indent: 0; text-align: left; font-size: 9.0pt; ">&#9830;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>You do not understand and accept the risks associated with the Underlying.</font></FONT></FONT></P>
                            <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 1.2; margin-left: 21.40pt; text-indent: -17.27pt; "><!--[if IE]<FONT style="display: inline-block; width: 17.27pt; text-indent: -17.27pt; "><![endif]--><FONT style="display: inline-block; width: 17.27pt; text-indent: 0; text-align: left; font-size: 9.0pt; ">&#9830;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>You are unable or unwilling to hold the Securities to maturity, as set forth on the cover of this pricing supplement, or you seek an investment for which there will be an active secondary market.</font></FONT></FONT></P>
                            <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 1.2; margin-left: 21.34pt; text-indent: -16.61pt; "><!--[if IE]<FONT style="display: inline-block; width: 16.61pt; text-indent: -16.61pt; "><![endif]--><FONT style="display: inline-block; width: 16.61pt; text-indent: 0; text-align: left; font-size: 9.0pt; ">&#9830;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>You believe that the level of the Underlying will decline during the term of the Securities,</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 7.5pt; "><font style='white-space: pre-wrap;'> </font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>or you believe the Underlying will appreciate over the term of the Securities by a percentage that exceeds the Maximum Gain.</font></FONT></FONT></P>
                            <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 1.2; margin-left: 21.34pt; text-indent: -16.61pt; "><!--[if IE]<FONT style="display: inline-block; width: 16.61pt; text-indent: -16.61pt; "><![endif]--><FONT style="display: inline-block; width: 16.61pt; text-indent: 0; text-align: left; font-size: 9.0pt; ">&#9830;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>You seek an investment that has unlimited return potential without a cap on appreciation.</font></FONT></FONT></P>
                            <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 1.2; margin-left: 21.34pt; text-indent: -16.61pt; "><!--[if IE]<FONT style="display: inline-block; width: 16.61pt; text-indent: -16.61pt; "><![endif]--><FONT style="display: inline-block; width: 16.61pt; text-indent: 0; text-align: left; font-size: 9.0pt; ">&#9830;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>You are unwilling to invest in the Securities based on the Maximum Gain of 42.45%.</font></FONT></FONT></P>
                            <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 1.2; margin-left: 21.34pt; text-indent: -16.61pt; "><!--[if IE]<FONT style="display: inline-block; width: 16.61pt; text-indent: -16.61pt; "><![endif]--><FONT style="display: inline-block; width: 16.61pt; text-indent: 0; text-align: left; font-size: 9.0pt; ">&#9830;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>You prefer the lower risk, and, therefore, accept the potentially lower returns, of conventional debt securities with comparable maturities issued by us or another issuer with a similar credit rating.</font></FONT></FONT></P>
                            <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 1.2; margin-left: 21.34pt; text-indent: -16.61pt; "><!--[if IE]<FONT style="display: inline-block; width: 16.61pt; text-indent: -16.61pt; "><![endif]--><FONT style="display: inline-block; width: 16.61pt; text-indent: 0; text-align: left; font-size: 9.0pt; ">&#9830;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>You seek current income from your investment or prefer to receive the dividends paid on the stocks included in the Underlying.</font></FONT></FONT></P>
                            <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 1.2; margin-left: 21.34pt; text-indent: -16.61pt; "><!--[if IE]<FONT style="display: inline-block; width: 16.61pt; text-indent: -16.61pt; "><![endif]--><FONT style="display: inline-block; width: 16.61pt; text-indent: 0; text-align: left; font-size: 9.0pt; ">&#9830;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>You are not willing or are unable to assume the credit risk associated with us for any payment on the Securities, including any repayment of principal.</font></FONT></FONT></P>
                            <P style="margin-top: 1.1pt; margin-bottom: 1.1pt; line-height: 1.2; padding-left: 17.88pt; "><FONT style="font-size: 10.0pt; font-family: Arial, sans-serif; ">&nbsp;</FONT></P>
                        </TD>
                    </TR>
                </TABLE>
                <P style="margin-top: 0.0pt; line-height: 1.2; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #231F20; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
                <P style="margin-top: 0.0pt; line-height: 1.2; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #231F20; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>The investor suitability considerations identified above are not exhaustive. Whether or not the Securities are a suitable investment for you will depend on your individual circumstances, and you should reach an investment decision only after you and your investment, legal, tax, accounting and other advisors have carefully considered the suitability of an investment in the Securities in light of your particular circumstances. You should also review &#8220;Key Risks&#8221; on page 5 of this pricing supplement and &#8220;Risk Factors&#8221; beginning on page 7 of the accompanying prospectus for risks related to an investment in the Securities.  For additional information about the Underlying, see the information set forth under &#8220;S&amp;P 500</font></FONT><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #231F20; font-size: 7pt; vertical-align: super; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #231F20; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> Index&#8221; on page 16.</font></FONT></P>
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                <P style="line-height: 1.2; text-align: right; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 7.0pt; "><FONT>3</FONT></FONT></P>
                <P style="line-height: 1.2; text-align: left; margin-top: 0; margin-bottom: 0; "><FONT style="font-size: 7.0pt; font-family: Arial, sans-serif; ">&nbsp;</FONT></P>
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            <P></P>
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            <DIV style="width: 550.44pt; padding: 37.23pt 60.17pt 0 62.59pt; min-height: 22.16pt; position: relative; ">
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            <DIV style="width: 550.44pt; padding: 10pt 60.17pt 10pt 62.59pt; position: relative; margin-bottom: 20pt; ">
                <TABLE width="552.92pt" style="margin-left: -1.98pt; width: 552.92pt; table-layout: fixed; border-collapse: collapse; ">
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                    <TR style="vertical-align: top; min-height: 16.34pt; ">
                        <TD colspan="3" style="padding-top: 0.0pt; padding-left: 3.96pt; padding-right: 3.96pt; padding-bottom: 0.0pt; background-color: #5A6F89; 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: #FFFFFF; font-size: 8.0pt; font-weight: bold; "><font style='white-space: pre-wrap;'>Final Terms</font></FONT></P>
                        </TD>
                        <TD colspan="2" style="padding-top: 0.0pt; padding-left: 3.96pt; padding-right: 3.96pt; padding-bottom: 0.0pt; border-top:  0.50pt solid #FFFFFF; vertical-align: middle; ">
                            <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; line-height: 9.0pt; "><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 8.0pt; font-weight: bold; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
                        </TD>
                        <TD colspan="4" style="padding-top: 0.0pt; padding-left: 3.96pt; padding-right: 3.96pt; padding-bottom: 0.0pt; background-color: #5A6F89; 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: #FFFFFF; font-size: 8.0pt; font-weight: bold; "><font style='white-space: pre-wrap;'>Investment Timeline</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; min-height: 5.88pt; ">
                        <TD style="padding-top: 0.0pt; padding-left: 0.00pt; padding-right: 0.00pt; padding-bottom: 0.0pt; ">
                            <P style="margin-top: 0.0pt; margin-bottom: 3.3pt; line-height: 9.0pt; "><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 8.0pt; font-weight: normal; "><font style='white-space: pre-wrap;'>Issuer</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.96pt; padding-right: 3.96pt; padding-bottom: 0.0pt; ">
                            <P style="margin-top: 0.0pt; margin-bottom: 3.3pt; line-height: 9.0pt; "><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 8.0pt; font-weight: normal; "><font style='white-space: pre-wrap;'>Morgan Stanley Finance LLC</font></FONT></P>
                        </TD>
                        <TD colspan="2" style="padding-top: 0.0pt; padding-left: 3.96pt; padding-right: 3.96pt; padding-bottom: 0.0pt; border-bottom:  0.50pt solid #FFFFFF; border-top:  0.50pt solid #FFFFFF; vertical-align: middle; ">
                            <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; line-height: 9.0pt; "><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 8.0pt; font-weight: bold; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
                        </TD>
                        <TD colspan="2" rowspan="19" style="padding-top: 0.0pt; padding-left: 0.00pt; padding-right: 0.00pt; padding-bottom: 0.0pt; ">
                            <P style="margin-top: 6.6pt; line-height: 9.0pt; text-align: center; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-style: italic; font-size: 8.0pt; "><FONT style="width: 84.15pt; height: 452.10pt; ">                                        <IMG width="74.15pt" height="402.10pt" src="image1.gif" style="width: 74.15pt; height: 402.10pt; ">
                                        </FONT></FONT></P>
                        </TD>
                        <TD colspan="2" rowspan="4" style="padding-top: 0.0pt; padding-left: 3.96pt; padding-right: 3.96pt; padding-bottom: 0.0pt; border-bottom:  0.50pt solid #C0C0C0; ">
                            <P style="margin-top: 4.0pt; line-height: 9.0pt; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>The Closing Level of the Underlying (Initial Level) was observed, the Downside Threshold was determined and the Maximum Gain was set.</font></FONT></P>
                        </TD>
                        <TD>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; min-height: 5.88pt; ">
                        <TD style="padding-top: 0.0pt; padding-left: 0.00pt; padding-right: 0.00pt; padding-bottom: 0.0pt; ">
                            <P style="margin-top: 0.0pt; margin-bottom: 3.3pt; line-height: 9.0pt; "><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; font-weight: normal; "><font style='white-space: pre-wrap;'>Guarantor</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.96pt; padding-right: 3.96pt; padding-bottom: 0.0pt; ">
                            <P style="margin-top: 0.0pt; margin-bottom: 3.3pt; line-height: 9.0pt; "><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; font-weight: normal; "><font style='white-space: pre-wrap;'>Morgan Stanley</font></FONT></P>
                        </TD>
                        <TD colspan="2" style="padding-top: 0.0pt; padding-left: 3.96pt; padding-right: 3.96pt; padding-bottom: 0.0pt; border-bottom:  0.50pt solid #FFFFFF; border-top:  0.50pt solid #FFFFFF; vertical-align: middle; ">
                            <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; line-height: 9.0pt; "><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 8.0pt; font-weight: bold; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
                        </TD>
                        <TD>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; min-height: 5.88pt; ">
                        <TD style="padding-top: 0.0pt; padding-left: 0.00pt; padding-right: 0.00pt; padding-bottom: 0.0pt; ">
                            <P style="margin-top: 0.0pt; margin-bottom: 3.3pt; line-height: 9.0pt; "><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; font-weight: normal; "><font style='white-space: pre-wrap;'>Issue Price (per Security)</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.96pt; padding-right: 3.96pt; padding-bottom: 0.0pt; ">
                            <P style="margin-top: 0.0pt; margin-bottom: 3.3pt; line-height: 9.0pt; "><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; font-weight: normal; "><font style='white-space: pre-wrap;'>$10.00 per Security</font></FONT></P>
                        </TD>
                        <TD colspan="2" style="padding-top: 0.0pt; padding-left: 3.96pt; padding-right: 3.96pt; padding-bottom: 0.0pt; border-bottom:  0.50pt solid #FFFFFF; border-top:  0.50pt solid #FFFFFF; vertical-align: middle; ">
                            <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; line-height: 9.0pt; "><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 8.0pt; font-weight: bold; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
                        </TD>
                        <TD>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; min-height: 5.88pt; ">
                        <TD style="padding-top: 0.0pt; padding-left: 0.00pt; padding-right: 0.00pt; padding-bottom: 0.0pt; ">
                            <P style="margin-top: 0.0pt; margin-bottom: 3.3pt; line-height: 9.0pt; "><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; font-weight: normal; "><font style='white-space: pre-wrap;'>Principal Amount</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.96pt; padding-right: 3.96pt; padding-bottom: 0.0pt; ">
                            <P style="margin-top: 0.0pt; margin-bottom: 3.3pt; line-height: 9.0pt; "><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 8.0pt; font-weight: normal; "><font style='white-space: pre-wrap;'>$10.00 per Security</font></FONT></P>
                        </TD>
                        <TD colspan="2" style="padding-top: 0.0pt; padding-left: 3.96pt; padding-right: 3.96pt; padding-bottom: 0.0pt; border-bottom:  0.50pt solid #FFFFFF; border-top:  0.50pt solid #FFFFFF; vertical-align: middle; ">
                            <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; line-height: 9.0pt; "><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 8.0pt; font-weight: bold; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
                        </TD>
                        <TD>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; min-height: 5.88pt; ">
                        <TD style="padding-top: 0.0pt; padding-left: 0.00pt; padding-right: 0.00pt; padding-bottom: 0.0pt; ">
                            <P style="margin-top: 0.0pt; margin-bottom: 3.3pt; line-height: 9.0pt; "><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; font-weight: normal; "><font style='white-space: pre-wrap;'>Term</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.96pt; padding-right: 3.96pt; padding-bottom: 0.0pt; ">
                            <P style="margin-top: 0.0pt; margin-bottom: 3.3pt; line-height: 9.0pt; "><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; font-weight: normal; "><font style='white-space: pre-wrap;'>Approximately 4 years</font></FONT></P>
                        </TD>
                        <TD colspan="2" style="padding-top: 0.0pt; padding-left: 3.96pt; padding-right: 3.96pt; padding-bottom: 0.0pt; border-bottom:  0.50pt solid #FFFFFF; border-top:  0.50pt solid #FFFFFF; vertical-align: middle; ">
                            <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; line-height: 9.0pt; "><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 8.0pt; font-weight: bold; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
                        </TD>
                        <TD colspan="2" rowspan="15" style="padding-top: 0.0pt; padding-left: 3.96pt; padding-right: 3.96pt; padding-bottom: 0.0pt; border-top:  0.50pt solid #C0C0C0; ">
                            <P style="margin-top: 0.0pt; margin-bottom: 3.3pt; line-height: 9.0pt; "><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; font-weight: normal; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
                            <P style="margin-top: 0.0pt; margin-bottom: 3.3pt; line-height: 9.0pt; "><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; font-weight: normal; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
                            <P style="margin-top: 0.0pt; margin-bottom: 3.3pt; line-height: 9.0pt; "><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; font-weight: normal; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
                            <P style="margin-top: 0.0pt; margin-bottom: 3.3pt; line-height: 9.0pt; "><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; font-weight: normal; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
                            <P style="margin-top: 0.0pt; margin-bottom: 3.3pt; line-height: 9.0pt; "><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; font-weight: normal; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
                            <P style="margin-top: 0.0pt; margin-bottom: 3.3pt; line-height: 9.0pt; "><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; font-weight: normal; "><font style='white-space: pre-wrap;'>The Final Level and Underlying Return are determined on the Final Valuation Date.</font></FONT></P>
                            <P style="margin-top: 6.6pt; line-height: 13.0pt; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 11.0pt; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
                            <P style="margin-top: 0.0pt; margin-bottom: 3.3pt; line-height: 9.0pt; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>If the Underlying Return is greater than zero</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; font-weight: normal; "><font style='white-space: pre-wrap;'>, MSFL will pay you a cash payment per Security equal to the lesser of:</font></FONT></P>
                            <P style="margin-top: 0.0pt; margin-bottom: 3.3pt; line-height: 9.0pt; "><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; font-weight: normal; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
                            <P style="margin-top: 0.0pt; margin-bottom: 3.3pt; line-height: 9.0pt; "><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; font-weight: normal; "><font style='white-space: pre-wrap;'>$10 + [$10 &#215; (Underlying Return &#215; Upside Gearing)];</font></FONT></P>
                            <P style="margin-top: 6.6pt; line-height: 13.0pt; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>and</font></FONT></P>
                            <P style="margin-top: 6.6pt; line-height: 13.0pt; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>$10 + ($10 &#215; Maximum Gain)</font></FONT></P>
                            <P style="margin-top: 0.0pt; margin-bottom: 3.3pt; line-height: 9.0pt; "><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; font-weight: normal; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
                            <P style="margin-top: 0.0pt; margin-bottom: 3.3pt; line-height: 9.0pt; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>If the Underlying Return is less than or equal to zero and the Final Level is greater than or equal to the Downside Threshold on the Final Valuation Date</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; font-weight: normal; "><font style='white-space: pre-wrap;'>, MSFL will pay you a cash payment of $10 per $10 Security.</font></FONT></P>
                            <P style="margin-top: 6.6pt; line-height: 13.0pt; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 11.0pt; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
                            <P style="margin-top: 0.0pt; margin-bottom: 3.3pt; line-height: 9.0pt; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>If the Final Level is less than the Downside Threshold on the Final Valuation Date</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; font-weight: normal; "><font style='white-space: pre-wrap;'>, MSFL will pay you a cash payment at maturity equal to:</font></FONT></P>
                            <P style="margin-top: 0.0pt; line-height: 13.0pt; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 11.0pt; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
                            <P style="margin-top: 0.0pt; margin-bottom: 3.3pt; line-height: 9.0pt; "><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; font-weight: normal; "><font style='white-space: pre-wrap;'> $10 + ($10 &#215; Underlying Return)</font></FONT></P>
                            <P style="margin-top: 0.0pt; line-height: 13.0pt; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 11.0pt; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
                            <P style="margin-top: 6.6pt; line-height: 9.0pt; margin-bottom: 0; "><FONT style="font-weight: bold; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>Under these circumstances, you will lose a significant portion, and could lose all, of your Principal Amount.</font></FONT></P>
                        </TD>
                        <TD>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; min-height: 5.88pt; ">
                        <TD style="padding-top: 0.0pt; padding-left: 0.00pt; padding-right: 0.00pt; padding-bottom: 0.0pt; ">
                            <P style="margin-top: 0.0pt; margin-bottom: 3.3pt; line-height: 9.0pt; "><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; font-weight: normal; "><font style='white-space: pre-wrap;'>Underlying</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.96pt; padding-right: 3.96pt; padding-bottom: 0.0pt; ">
                            <P style="margin-top: 0.0pt; margin-bottom: 3.3pt; line-height: 9.0pt; "><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; font-weight: normal; "><font style='white-space: pre-wrap;'>S&amp;P 500</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 6pt; vertical-align: super; font-weight: normal; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; font-weight: normal; "><font style='white-space: pre-wrap;'> Index</font></FONT></P>
                        </TD>
                        <TD colspan="2" style="padding-top: 0.0pt; padding-left: 3.96pt; padding-right: 3.96pt; padding-bottom: 0.0pt; border-bottom:  0.50pt solid #FFFFFF; border-top:  0.50pt solid #FFFFFF; vertical-align: middle; ">
                            <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; line-height: 9.0pt; "><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 8.0pt; font-weight: bold; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
                        </TD>
                        <TD>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; min-height: 5.88pt; ">
                        <TD style="padding-top: 0.0pt; padding-left: 0.00pt; padding-right: 0.00pt; padding-bottom: 0.0pt; ">
                            <P style="margin-top: 0.0pt; margin-bottom: 3.3pt; line-height: 9.0pt; "><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; font-weight: normal; "><font style='white-space: pre-wrap;'>Downside Threshold</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.96pt; padding-right: 3.96pt; padding-bottom: 0.0pt; ">
                            <P style="margin-top: 0.0pt; margin-bottom: 3.3pt; line-height: 9.0pt; "><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; font-weight: normal; "><font style='white-space: pre-wrap;'>5,053.12, which is approximately 75% of the Initial Level</font></FONT></P>
                        </TD>
                        <TD colspan="2" style="padding-top: 0.0pt; padding-left: 3.96pt; padding-right: 3.96pt; padding-bottom: 0.0pt; border-bottom:  0.50pt solid #FFFFFF; border-top:  0.50pt solid #FFFFFF; vertical-align: middle; ">
                            <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; line-height: 9.0pt; "><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 8.0pt; font-weight: bold; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
                        </TD>
                        <TD>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; min-height: 5.88pt; ">
                        <TD style="padding-top: 0.0pt; padding-left: 0.00pt; padding-right: 0.00pt; padding-bottom: 0.0pt; ">
                            <P style="margin-top: 0.0pt; margin-bottom: 3.3pt; line-height: 9.0pt; "><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; font-weight: normal; "><font style='white-space: pre-wrap;'>Upside Gearing</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.96pt; padding-right: 3.96pt; padding-bottom: 0.0pt; ">
                            <P style="margin-top: 0.0pt; margin-bottom: 3.3pt; line-height: 9.0pt; "><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; font-weight: normal; "><font style='white-space: pre-wrap;'>1.5</font></FONT></P>
                        </TD>
                        <TD colspan="2" style="padding-top: 0.0pt; padding-left: 3.96pt; padding-right: 3.96pt; padding-bottom: 0.0pt; border-bottom:  0.50pt solid #FFFFFF; border-top:  0.50pt solid #FFFFFF; vertical-align: middle; ">
                            <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; line-height: 9.0pt; "><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 8.0pt; font-weight: bold; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
                        </TD>
                        <TD>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; min-height: 5.88pt; ">
                        <TD style="padding-top: 0.0pt; padding-left: 0.00pt; padding-right: 0.00pt; padding-bottom: 0.0pt; ">
                            <P style="margin-top: 0.0pt; margin-bottom: 3.3pt; line-height: 9.0pt; "><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; font-weight: normal; "><font style='white-space: pre-wrap;'>Maximum Gain</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.96pt; padding-right: 3.96pt; padding-bottom: 0.0pt; ">
                            <P style="margin-top: 0.0pt; margin-bottom: 3.3pt; line-height: 9.0pt; "><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; font-weight: normal; "><font style='white-space: pre-wrap;'>42.45%, which corresponds to a maximum Payment at Maturity of $14.245 per Security. </font></FONT></P>
                        </TD>
                        <TD colspan="2" style="padding-top: 0.0pt; padding-left: 3.96pt; padding-right: 3.96pt; padding-bottom: 0.0pt; border-bottom:  0.50pt solid #FFFFFF; border-top:  0.50pt solid #FFFFFF; vertical-align: middle; ">
                            <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; line-height: 9.0pt; "><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 8.0pt; font-weight: bold; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
                        </TD>
                        <TD>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; min-height: 5.88pt; ">
                        <TD style="padding-top: 0.0pt; padding-left: 0.00pt; padding-right: 0.00pt; padding-bottom: 0.0pt; ">
                            <P style="margin-top: 0.0pt; margin-bottom: 3.3pt; line-height: 9.0pt; "><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; font-weight: normal; "><font style='white-space: pre-wrap;'>Payment at Maturity (per Security)</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.96pt; padding-right: 3.96pt; padding-bottom: 0.0pt; ">
                            <P style="margin-top: 6.6pt; margin-bottom: 3.3pt; line-height: 9.0pt; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>If the Underlying Return is greater than zero</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>, MSFL will pay you an amount</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 11.0pt; "><font style='white-space: pre-wrap;'> </font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>equal to the lesser of:</font></FONT></P>
                            <P style="margin-top: 6.6pt; line-height: 9.0pt; text-indent: 12.65pt; margin-bottom: 0; margin-left: -12.65pt; "><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>$10 + [$10 &#215; (Underlying Return &#215; Upside Gearing)]; </font></FONT></P>
                            <P style="margin-top: 0.0pt; margin-bottom: 3.3pt; line-height: 9.0pt; text-indent: 12.65pt; margin-left: -12.65pt; "><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>and</font></FONT></P>
                            <P style="margin-top: 6.6pt; margin-bottom: 3.3pt; line-height: 9.0pt; text-indent: 12.43pt; margin-left: -12.43pt; "><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>$10 + ($10 &#215; Maximum Gain)</font></FONT></P>
                            <P style="margin-top: 6.6pt; margin-bottom: 3.3pt; line-height: 9.0pt; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>If the Underlying Return is less than or equal to zero and the Final Level is greater than or equal to the Downside Threshold, </font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>MSFL will pay</font></FONT><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 8.0pt; "><font style='white-space: pre-wrap;'> </font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>you a cash payment of:</font></FONT></P>
                            <P style="margin-top: 6.6pt; margin-bottom: 3.3pt; line-height: 9.0pt; text-indent: 12.43pt; margin-left: -12.43pt; "><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>     $10 per Security</font></FONT></P>
                            <P style="margin-top: 6.6pt; margin-bottom: 3.3pt; line-height: 9.0pt; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>If the Final Level is less than the Downside Threshold, </font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>MSFL will pay you an amount calculated as </font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>follows:</font></FONT></P>
                            <P style="margin-top: 6.6pt; margin-bottom: 3.3pt; line-height: 9.0pt; text-indent: 12.43pt; margin-left: -12.43pt; "><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; width: 39.60pt; display: inline-block; ">&nbsp;</FONT><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>$10 + ($10 </font></FONT><FONT style="font-family: Times New Roman, Times, serif; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>&#215;</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; "><font style='white-space: pre-wrap;'> Underlying Return) </font></FONT></P>
                            <P style="margin-top: 0.0pt; margin-bottom: 3.3pt; line-height: 9.0pt; "><FONT style="font-weight: bold; font-size: 8.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>In this case, you could lose up to all of your Principal Amount in an amount proportionate to the negative Underlying Return.</font></FONT></P>
                        </TD>
                        <TD colspan="2" style="padding-top: 0.0pt; padding-left: 3.96pt; padding-right: 3.96pt; padding-bottom: 0.0pt; border-bottom:  0.50pt solid #FFFFFF; border-top:  0.50pt solid #FFFFFF; vertical-align: middle; ">
                            <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; line-height: 9.0pt; "><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 8.0pt; font-weight: bold; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
                        </TD>
                        <TD>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; min-height: 5.88pt; ">
                        <TD style="padding-top: 0.0pt; padding-left: 0.00pt; padding-right: 0.00pt; padding-bottom: 0.0pt; ">
                            <P style="margin-top: 2.2pt; margin-bottom: 2.2pt; line-height: 9.0pt; "><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>Underlying Return</font></FONT></P>
                            <P style="margin-top: 0.0pt; margin-bottom: 3.3pt; line-height: 9.0pt; "><FONT style="font-weight: normal; font-family: Arial, sans-serif; font-size: 11.0pt; ">&nbsp;</FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.96pt; padding-right: 3.96pt; padding-bottom: 0.0pt; ">
                            <P style="margin-top: 2.2pt; margin-bottom: 2.2pt; line-height: 9.0pt; text-align: center; "><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 8.0pt; text-decoration-style: solid; text-decoration-line: underline; "><U><font style='white-space: pre-wrap;'>Final Level &#8211; Initial Level</font></U></FONT></P>
                            <P style="margin-top: 0.0pt; margin-bottom: 3.3pt; line-height: 9.0pt; text-align: center; "><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 8.0pt; font-weight: normal; "><font style='white-space: pre-wrap;'>Initial Level</font></FONT></P>
                        </TD>
                        <TD colspan="2" style="padding-top: 0.0pt; padding-left: 3.96pt; padding-right: 3.96pt; padding-bottom: 0.0pt; border-bottom:  0.50pt solid #FFFFFF; border-top:  0.50pt solid #FFFFFF; vertical-align: middle; ">
                            <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; line-height: 9.0pt; "><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 8.0pt; font-weight: bold; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
                        </TD>
                        <TD>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; min-height: 5.88pt; ">
                        <TD style="padding-top: 0.0pt; padding-left: 0.00pt; padding-right: 0.00pt; padding-bottom: 0.0pt; ">
                            <P style="margin-top: 0.0pt; margin-bottom: 3.3pt; line-height: 9.0pt; "><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; font-weight: normal; "><font style='white-space: pre-wrap;'>Initial Level</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.96pt; padding-right: 3.96pt; padding-bottom: 0.0pt; ">
                            <P style="margin-top: 0.0pt; margin-bottom: 3.3pt; line-height: 9.0pt; "><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 8.0pt; font-weight: normal; "><font style='white-space: pre-wrap;'>6,737.49 which is the Closing Level of the Underlying on the Trade Date.</font></FONT></P>
                        </TD>
                        <TD colspan="2" style="padding-top: 0.0pt; padding-left: 3.96pt; padding-right: 3.96pt; padding-bottom: 0.0pt; border-bottom:  0.50pt solid #FFFFFF; border-top:  0.50pt solid #FFFFFF; vertical-align: middle; ">
                            <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; line-height: 9.0pt; "><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 8.0pt; font-weight: bold; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
                        </TD>
                        <TD>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; min-height: 5.88pt; ">
                        <TD style="padding-top: 0.0pt; padding-left: 0.00pt; padding-right: 0.00pt; padding-bottom: 0.0pt; ">
                            <P style="margin-top: 0.0pt; margin-bottom: 3.3pt; line-height: 9.0pt; "><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; font-weight: normal; "><font style='white-space: pre-wrap;'>Final Level</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.96pt; padding-right: 3.96pt; padding-bottom: 0.0pt; ">
                            <P style="margin-top: 0.0pt; margin-bottom: 3.3pt; line-height: 9.0pt; "><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; font-weight: normal; "><font style='white-space: pre-wrap;'>The Closing Level of the Underlying on the Final Valuation Date. </font></FONT></P>
                        </TD>
                        <TD colspan="2" style="padding-top: 0.0pt; padding-left: 3.96pt; padding-right: 3.96pt; padding-bottom: 0.0pt; border-bottom:  0.50pt solid #FFFFFF; border-top:  0.50pt solid #FFFFFF; vertical-align: middle; ">
                            <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; line-height: 9.0pt; "><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 8.0pt; font-weight: bold; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
                        </TD>
                        <TD>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; min-height: 5.88pt; ">
                        <TD style="padding-top: 0.0pt; padding-left: 0.00pt; padding-right: 0.00pt; padding-bottom: 0.0pt; ">
                            <P style="margin-top: 0.0pt; margin-bottom: 3.3pt; line-height: 9.0pt; "><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; font-weight: normal; "><font style='white-space: pre-wrap;'>Trade Date</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.96pt; padding-right: 3.96pt; padding-bottom: 0.0pt; ">
                            <P style="margin-top: 0.0pt; margin-bottom: 3.3pt; line-height: 9.0pt; "><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; font-weight: normal; "><font style='white-space: pre-wrap;'>November 13, 2025</font></FONT></P>
                        </TD>
                        <TD colspan="2" style="padding-top: 0.0pt; padding-left: 3.96pt; padding-right: 3.96pt; padding-bottom: 0.0pt; border-bottom:  0.50pt solid #FFFFFF; border-top:  0.50pt solid #FFFFFF; vertical-align: middle; ">
                            <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; line-height: 9.0pt; "><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 8.0pt; font-weight: bold; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
                        </TD>
                        <TD>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; min-height: 5.88pt; ">
                        <TD style="padding-top: 0.0pt; padding-left: 0.00pt; padding-right: 0.00pt; padding-bottom: 0.0pt; ">
                            <P style="margin-top: 0.0pt; margin-bottom: 3.3pt; line-height: 9.0pt; "><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; font-weight: normal; "><font style='white-space: pre-wrap;'>Settlement Date</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.96pt; padding-right: 3.96pt; padding-bottom: 0.0pt; ">
                            <P style="margin-top: 0.0pt; margin-bottom: 3.3pt; line-height: 9.0pt; "><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; font-weight: normal; "><font style='white-space: pre-wrap;'>November 17, 2025</font></FONT></P>
                        </TD>
                        <TD colspan="2" style="padding-top: 0.0pt; padding-left: 3.96pt; padding-right: 3.96pt; padding-bottom: 0.0pt; border-bottom:  0.50pt solid #FFFFFF; border-top:  0.50pt solid #FFFFFF; vertical-align: middle; ">
                            <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; line-height: 9.0pt; "><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 8.0pt; font-weight: bold; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
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                        <TD style="padding-top: 0.0pt; padding-left: 0.00pt; padding-right: 0.00pt; padding-bottom: 0.0pt; ">
                            <P style="margin-top: 0.0pt; margin-bottom: 3.3pt; line-height: 9.0pt; "><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; font-weight: normal; "><font style='white-space: pre-wrap;'>Final Valuation Date</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.96pt; padding-right: 3.96pt; padding-bottom: 0.0pt; ">
                            <P style="margin-top: 0.0pt; margin-bottom: 3.3pt; line-height: 9.0pt; "><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; font-weight: normal; "><font style='white-space: pre-wrap;'>November 13, 2029*</font></FONT></P>
                        </TD>
                        <TD colspan="2" style="padding-top: 0.0pt; padding-left: 3.96pt; padding-right: 3.96pt; padding-bottom: 0.0pt; border-bottom:  0.50pt solid #FFFFFF; border-top:  0.50pt solid #FFFFFF; vertical-align: middle; ">
                            <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; line-height: 9.0pt; "><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 8.0pt; font-weight: bold; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
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                        <TD style="padding-top: 0.0pt; padding-left: 0.00pt; padding-right: 0.00pt; padding-bottom: 0.0pt; ">
                            <P style="margin-top: 0.0pt; margin-bottom: 3.3pt; line-height: 9.0pt; "><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; font-weight: normal; "><font style='white-space: pre-wrap;'>Maturity Date</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.96pt; padding-right: 3.96pt; padding-bottom: 0.0pt; ">
                            <P style="margin-top: 0.0pt; margin-bottom: 3.3pt; line-height: 9.0pt; "><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; font-weight: normal; "><font style='white-space: pre-wrap;'>November 15, 2029*</font></FONT></P>
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                        <TD colspan="2" style="padding-top: 0.0pt; padding-left: 3.96pt; padding-right: 3.96pt; padding-bottom: 0.0pt; border-bottom:  0.50pt solid #FFFFFF; border-top:  0.50pt solid #FFFFFF; vertical-align: middle; ">
                            <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; line-height: 9.0pt; "><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 8.0pt; font-weight: bold; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
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                        <TD style="padding-top: 0.0pt; padding-left: 0.00pt; padding-right: 0.00pt; padding-bottom: 0.0pt; ">
                            <P style="margin-top: 0.0pt; margin-bottom: 3.3pt; line-height: 9.0pt; "><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; font-weight: normal; "><font style='white-space: pre-wrap;'>CUSIP / ISIN</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 3.96pt; padding-right: 3.96pt; padding-bottom: 0.0pt; ">
                            <P style="margin-top: 0.0pt; margin-bottom: 3.3pt; line-height: 9.0pt; "><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; font-weight: normal; "><font style='white-space: pre-wrap;'>61778Q757 / US61778Q7575</font></FONT></P>
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                        <TD colspan="2" style="padding-top: 0.0pt; padding-left: 3.96pt; padding-right: 3.96pt; padding-bottom: 0.0pt; border-bottom:  0.50pt solid #FFFFFF; border-top:  0.50pt solid #FFFFFF; vertical-align: middle; ">
                            <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; line-height: 9.0pt; "><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 8.0pt; font-weight: bold; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
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                    <TR style="vertical-align: top; min-height: 5.88pt; ">
                        <TD style="padding-top: 0.0pt; padding-left: 0.00pt; padding-right: 0.00pt; padding-bottom: 0.0pt; ">
                            <P style="margin-top: 0.0pt; margin-bottom: 3.3pt; line-height: 9.0pt; "><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; font-weight: normal; "><font style='white-space: pre-wrap;'>Calculation Agent</font></FONT></P>
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                        <TD style="padding-top: 0.0pt; padding-left: 3.96pt; padding-right: 3.96pt; padding-bottom: 0.0pt; ">
                            <P style="margin-top: 0.0pt; margin-bottom: 3.3pt; line-height: 9.0pt; "><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 8.0pt; font-weight: normal; "><font style='white-space: pre-wrap;'>Morgan Stanley &amp; Co. LLC</font></FONT></P>
                        </TD>
                        <TD colspan="2" style="padding-top: 0.0pt; padding-left: 3.96pt; padding-right: 3.96pt; padding-bottom: 0.0pt; border-bottom:  0.50pt solid #FFFFFF; border-top:  0.50pt solid #FFFFFF; vertical-align: middle; ">
                            <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; line-height: 9.0pt; "><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 8.0pt; font-weight: bold; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
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                    <TR style="vertical-align: top; min-height: 5.88pt; ">
                        <TD colspan="3" style="padding-top: 0.0pt; padding-left: 0.00pt; padding-right: 0.00pt; padding-bottom: 0.0pt; ">
                            <P style="margin-top: 0.0pt; margin-bottom: 3.3pt; line-height: 9.0pt; "><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 8.0pt; font-weight: normal; "><font style='white-space: pre-wrap;'>*Subject to postponement in the event of a Market Disruption Event or for non-Trading Days. See &#8220;Postponement of Final Valuation Date and Maturity Date&#8221; under &#8220;Additional Terms of the Securities.&#8221;</font></FONT></P>
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                            <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; line-height: 9.0pt; "><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 8.0pt; font-weight: bold; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
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                            <P style="margin-top: 6.6pt; line-height: 9.0pt; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 11.0pt; ">&nbsp;</FONT></P>
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                        <TD colspan="2" style="padding-top: 0.0pt; padding-left: 3.96pt; padding-right: 3.96pt; padding-bottom: 0.0pt; ">
                            <P style="margin-top: 6.6pt; line-height: 9.0pt; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 11.0pt; ">&nbsp;</FONT></P>
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                <P style="margin-top: 11.0pt; margin-bottom: 6.6pt; line-height: 1.2; text-indent: 0.0pt; text-align: justify; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>INVESTING IN THE SECURITIES INVOLVES SIGNIFICANT RISKS. YOU MAY LOSE YOUR ENTIRE PRINCIPAL AMOUNT.  ANY PAYMENT ON THE SECURITIES IS SUBJECT TO OUR CREDITWORTHINESS.  IF WE WERE TO DEFAULT ON OUR PAYMENT OBLIGATIONS, YOU MAY NOT RECEIVE ANY AMOUNTS OWED TO YOU UNDER THE SECURITIES AND YOU COULD LOSE YOUR ENTIRE INVESTMENT.</font></FONT></P>
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            <DIV style="width: 550.44pt; padding: 0 60.17pt 15.46pt 62.59pt; min-height: 24.15pt; position: relative; ">
                <P style="line-height: 1.2; text-align: right; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 7.0pt; "><FONT>4</FONT></FONT></P>
                <P style="line-height: 1.2; text-align: left; margin-top: 0; margin-bottom: 0; "><FONT style="font-size: 7.0pt; font-family: Arial, sans-serif; ">&nbsp;</FONT></P>
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            <P></P>
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            <DIV style="width: 550.00pt; padding: 37.23pt 60.50pt 0 62.70pt; min-height: 22.16pt; position: relative; ">
                <P style="text-align: left; margin-top: 0; margin-bottom: 0; margin-right: -202.40pt; "><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; width: 39.60pt; display: inline-block; ">&nbsp;</FONT><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; "></FONT></P>
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            <DIV style="width: 550.00pt; padding: 10pt 60.50pt 10pt 62.70pt; position: relative; margin-bottom: 20pt; ">
                <TABLE width="552.92pt" style="margin-left: -3.9600000000000004pt; width: 552.92pt; table-layout: fixed; border-collapse: collapse; ">
                    <TR>
                        <TD width="547.97pt" style="width: 547.97pt; border: 0; margin: 0; padding: 0; height: 0; ">
                        </TD>
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                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; background-color: #5A6F89; ">
                            <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 1.2; text-indent: 0.0pt; text-align: left; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #FFFFFF; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Key </font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; "></FONT><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #FFFFFF; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Risks</font></FONT></P>
                        </TD>
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                <P style="margin-top: 6.6pt; margin-bottom: 3.3pt; line-height: 1.2; text-indent: 0.0pt; text-align: left; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>An investment in the Securities involves significant risks. The material risks that apply to the Securities are summarized here, but we urge you to also read the &#8220;Risk Factors&#8221; section of the accompanying prospectus. You should also consult your investment, legal, tax, accounting and other advisers in connection with your investment in the Securities.</font></FONT></P>
                <P style="margin-top: 1.1pt; margin-bottom: 1.1pt; line-height: 13.0pt; "><FONT style="text-decoration-style: solid; text-decoration-line: underline; font-family: Arial, sans-serif; font-size: 11.0pt; "><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; margin-bottom: 3.3pt; line-height: 1.2; margin-left: 21.34pt; text-indent: -16.61pt; "><!--[if IE]<FONT style="display: inline-block; width: 16.61pt; text-indent: -16.61pt; "><![endif]--><FONT style="display: inline-block; width: 16.61pt; text-indent: 0; text-align: left; font-size: 9.0pt; ">&#9830;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>The Securities do not guarantee any return of principal</font></FONT><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'> &#8211; The terms of the Securities differ from those of ordinary debt securities in that MSFL is not necessarily obligated to repay any of the Principal Amount at maturity.  If the Final Level is less than the Downside Threshold (which is 75% of the Initial Level), you will be exposed to the full negative Underlying Return and the payout owed at maturity by MSFL will be an amount in cash that is at least 25% less than the $10 Principal Amount of each Security, resulting in a loss proportionate to the decrease in the value of the Underlying from the Initial Level to the Final Level. There is no minimum payment at maturity on the Securities, and, accordingly, you could lose all of your Principal Amount in the Securities. </font></FONT></FONT></P>
                <P style="margin-top: 6.6pt; margin-bottom: 3.3pt; line-height: 1.2; margin-left: 21.34pt; text-indent: -16.61pt; "><!--[if IE]<FONT style="display: inline-block; width: 16.61pt; text-indent: -16.61pt; "><![endif]--><FONT style="display: inline-block; width: 16.61pt; text-indent: 0; text-align: left; font-size: 9.0pt; font-weight: bold; ">&#9830;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>You may incur a loss on your investment if you sell your Securities prior to maturity</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> &#8211; The Downside Threshold is observed on the Final Valuation Date, and the contingent repayment of principal applies only at maturity. If you are able to sell your Securities in the secondary market prior to maturity, you may have to sell them at a loss relative to your initial investment even if the Closing Level of the Underlying is above the Downside Threshold at that time.  </font></FONT></FONT></P>
                <P style="margin-top: 6.6pt; margin-bottom: 3.3pt; line-height: 1.2; margin-left: 21.40pt; text-indent: -15.84pt; "><!--[if IE]<FONT style="display: inline-block; width: 15.84pt; text-indent: -15.84pt; "><![endif]--><FONT style="display: inline-block; width: 15.84pt; text-indent: 0; text-align: left; font-size: 9.0pt; ">&#9830;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>The Upside Gearing applies only if you hold the Securities to maturity &#8211; </font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>You should be willing to hold your Securities to maturity. If you are able to sell your Securities prior to maturity in the secondary market, the price you receive will likely not reflect the full economic value of the Upside Gearing or the Securities themselves, and the return you realize may be less than the Underlying's return even if such return is positive and does not exceed the Maximum Gain. You can receive the full benefit of the Upside Gearing from MSFL and potentially earn up to the Maximum Gain only if you hold your Securities to maturity.</font></FONT></FONT></P>
                <P style="margin-top: 6.6pt; margin-bottom: 3.3pt; line-height: 1.2; margin-left: 21.34pt; text-indent: -16.61pt; "><!--[if IE]<FONT style="display: inline-block; width: 16.61pt; text-indent: -16.61pt; "><![endif]--><FONT style="display: inline-block; width: 16.61pt; text-indent: 0; text-align: left; font-size: 9.0pt; ">&#9830;</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 appreciation potential is limited &#8211;</font></FONT><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'> The appreciation potential of the Securities is limited by the Maximum Gain of 42.45% (which corresponds to a maximum Payment at Maturity of $14.245 per Security).  Therefore, although the Upside Gearing enhances positive Underlying Returns, you will not benefit from any positive Underlying Return that, when multiplied by the Upside Gearing, exceeds the Maximum Gain.  As a result, any increase in the Final Level over the Initial Level by more than 28.30% of the Initial Level will not further increase the return on the Securities.</font></FONT></FONT></P>
                <P style="margin-top: 6.6pt; margin-bottom: 3.3pt; line-height: 1.2; margin-left: 21.34pt; text-indent: -16.61pt; "><!--[if IE]<FONT style="display: inline-block; width: 16.61pt; text-indent: -16.61pt; "><![endif]--><FONT style="display: inline-block; width: 16.61pt; text-indent: 0; text-align: left; font-size: 9.0pt; ">&#9830;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>The Securities are subject to our credit risk, and any actual or anticipated changes to our credit ratings or our 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;'> &#8211; You are dependent on our ability to pay all amounts due on the Securities at maturity, if any, 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 anticipated decline in our credit ratings or increase in our 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: 1.2; text-align: left; margin-bottom: 0; margin-left: 21.34pt; text-indent: -15.84pt; "><!--[if IE]<FONT style="display: inline-block; width: 15.84pt; text-indent: -15.84pt; "><![endif]--><FONT style="display: inline-block; width: 15.84pt; text-indent: 0; text-align: left; font-size: 9.0pt; font-weight: bold; ">&#9830;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>As a finance subsidiary, MSFL has no independent operations and will have no independent assets </font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>&#8211; 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-family: Arial, sans-serif; font-style: italic; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>pari passu</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><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-family: Arial, sans-serif; font-style: italic; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>pari passu</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><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: 1.2; text-align: left; margin-bottom: 0; margin-left: 21.34pt; text-indent: -15.84pt; "><!--[if IE]<FONT style="display: inline-block; width: 15.84pt; text-indent: -15.84pt; "><![endif]--><FONT style="display: inline-block; width: 15.84pt; text-indent: 0; text-align: left; font-size: 9.0pt; font-weight: bold; ">&#9830;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>The Securities do not pay interest</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> &#8211;</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;'>MSFL will not pay any interest with respect to the Securities over the term of the Securities.</font></FONT></FONT></P>
                <P style="margin-top: 6.6pt; line-height: 1.2; text-align: left; margin-bottom: 0; margin-left: 21.40pt; text-indent: -15.84pt; "><!--[if IE]<FONT style="display: inline-block; width: 15.84pt; text-indent: -15.84pt; "><![endif]--><FONT style="display: inline-block; width: 15.84pt; text-indent: 0; text-align: left; font-size: 9.0pt; ">&#9830;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>The market price of the Securities may be influenced by many unpredictable factors</font></FONT><FONT style="font-size: 9.0pt; font-family: Times New Roman, Times, serif; "><font style='white-space: pre-wrap;'> &#8211;  </font></FONT><FONT style="font-family: Arial, sans-serif; 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 (if at all), including: </font></FONT></FONT></P>
                <P style="margin-top: 4.4pt; line-height: 1.2; text-align: left; margin-bottom: 0; margin-left: 64.13pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; font-family: Times New Roman, Times, serif; font-size: 9.0pt; ">o</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>the value of the Underlying at any time,</font></FONT></FONT></P>
                <P style="margin-top: 4.4pt; line-height: 1.2; text-align: left; margin-bottom: 0; margin-left: 64.13pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; font-family: Times New Roman, Times, serif; font-size: 9.0pt; ">o</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>the volatility (frequency and magnitude of changes in value) of the Underlying,</font></FONT></FONT></P>
                <P style="margin-top: 4.4pt; line-height: 1.2; text-align: left; margin-bottom: 0; margin-left: 63.80pt; 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: Times New Roman, Times, serif; font-size: 9.0pt; ">o</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>dividend rates on the securities included in the Underlying,</font></FONT></FONT></P>
                <P style="margin-top: 4.4pt; line-height: 1.2; text-align: left; margin-bottom: 0; margin-left: 64.13pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; font-family: Times New Roman, Times, serif; font-size: 9.0pt; ">o</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>interest and yield rates in the market,</font></FONT></FONT></P>
                <P style="margin-top: 4.4pt; line-height: 1.2; text-align: left; margin-bottom: 0; margin-left: 64.13pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; font-family: Times New Roman, Times, serif; font-size: 9.0pt; ">o</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>geopolitical conditions and economic, financial, political, regulatory or judicial events that affect the Underlying or stock markets generally and which may affect the Final Level,</font></FONT></FONT></P>
                <P style="margin-top: 4.4pt; line-height: 1.2; text-align: left; margin-bottom: 0; margin-left: 64.13pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; font-family: Times New Roman, Times, serif; font-size: 9.0pt; ">o</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>the time remaining until the Securities mature, and</font></FONT></FONT></P>
                <P style="margin-top: 4.4pt; margin-bottom: 6.6pt; line-height: 1.2; text-align: left; margin-left: 64.13pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; font-family: Times New Roman, Times, serif; font-size: 9.0pt; ">o</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>any actual or anticipated changes in our credit ratings or credit spreads.</font></FONT></FONT></P>
            </DIV>
            <DIV style="width: 550.00pt; padding: 0 60.50pt 25.36pt 62.70pt; min-height: 14.25pt; position: relative; ">
                <P style="line-height: 1.2; text-align: right; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 7.0pt; width: 39.60pt; display: inline-block; ">&nbsp;</FONT><FONT style="font-family: Arial, sans-serif; font-size: 7.0pt; "><FONT>5</FONT></FONT></P>
            </DIV>
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            <P></P>
        </DIV>
        <DIV style="margin: auto; width: 673.20pt; padding: 36pt 0; ">
            <DIV style="width: 550.00pt; padding: 37.23pt 60.50pt 0 62.70pt; min-height: 22.16pt; position: relative; ">
            </DIV>
            <DIV style="width: 550.00pt; padding: 10pt 60.50pt 10pt 62.70pt; position: relative; margin-bottom: 20pt; ">
                <P style="margin-top: 0.0pt; margin-bottom: 6.6pt; line-height: 1.2; padding-left: 21.39pt; "><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>Some or all of these factors will influence the terms of the Securities at the time of issuance and the price that you will receive if you are able to sell your Securities prior to maturity, as the Securities are comprised of both a debt component and a performance-based component linked to the Underlying, and these are the types of factors that also generally affect the values of debt securities and derivatives linked to the Underlying. For example, you may have to sell your Securities at a substantial discount from the principal amount of $10 per Security if the value of the Underlying at the time of sale is at or below or moderately above its Initial Level, and especially if it is near or below the Downside Threshold, or if market interest rates rise. You cannot predict the future performance of the Underlying based on its historical performance.</font></FONT></P>
                <P style="margin-top: 6.6pt; line-height: 1.2; text-align: left; margin-bottom: 0; margin-left: 21.34pt; text-indent: -15.84pt; "><!--[if IE]<FONT style="display: inline-block; width: 15.84pt; text-indent: -15.84pt; "><![endif]--><FONT style="display: inline-block; width: 15.84pt; text-indent: 0; text-align: left; font-size: 9.0pt; ">&#9830;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>The amount payable on the Securities is not linked to the level of the Underlying at any time other than the Final Valuation Date</font></FONT><FONT style="font-size: 9.0pt; font-family: Times New Roman, Times, serif; "><font style='white-space: pre-wrap;'> &#8211; </font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>The Final Level will be based on the Closing Level of the Underlying on the Final Valuation Date, subject to postponement for non-Index Business Days and certain Market Disruption Events.  Even if the level of the Underlying appreciates prior to the Final Valuation Date but then drops by the Final Valuation Date, the Payment at Maturity may be significantly less than it would have been had the Payment at Maturity been linked to the level of the Underlying prior to such drop.  Although the actual level of the Underlying on the stated Maturity Date or at other times during the term of the Securities may be higher than the Final Level, the Payment at Maturity will be based solely on the Closing Level of the Underlying on the Final Valuation Date as compared to the Initial Level.</font></FONT></FONT></P>
                <P style="margin-top: 6.6pt; line-height: 1.2; text-align: left; margin-bottom: 0; margin-left: 21.34pt; text-indent: -15.84pt; "><!--[if IE]<FONT style="display: inline-block; width: 15.84pt; text-indent: -15.84pt; "><![endif]--><FONT style="display: inline-block; width: 15.84pt; text-indent: 0; text-align: left; font-size: 9.0pt; ">&#9830;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Investing in the Securities is not equivalent to investing in the Underlying or the stocks composing the Underlying </font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>&#8211; Investing in the Securities is not equivalent to investing in the Underlying or the stocks that constitute the Underlying. Investors in the Securities will not have voting rights or rights to receive dividends or other distributions or any other rights with respect to the stocks that constitute the Underlying. Investors in the Securities also will not participate in any appreciation of the Underlying that, when multiplied by the Upside Gearing, exceeds the Maximum Gain, which could be significant. Additionally, the Underlying is not a &#8220;total return&#8221; index, which, in addition to reflecting the market prices of the stocks that constitute the Underlying, would also reflect dividends paid on such stocks. The return on the Securities will not include such a total return feature.</font></FONT></FONT></P>
                <P style="margin-top: 6.6pt; line-height: 1.2; text-align: left; margin-bottom: 0; margin-left: 21.34pt; text-indent: -15.84pt; "><!--[if IE]<FONT style="display: inline-block; width: 15.84pt; text-indent: -15.84pt; "><![endif]--><FONT style="display: inline-block; width: 15.84pt; text-indent: 0; text-align: left; font-size: 9.0pt; ">&#9830;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>The 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 Issue Price reduce the economic terms of the Securities, cause the estimated value of the Securities to be less than the Issue Price and will adversely affect secondary market prices </font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>&#8211;</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;'>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 Issue Price, because secondary market prices will exclude the issuing, selling, structuring and hedging-related costs that are included in the 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: 1.2; padding-left: 21.34pt; text-align: left; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>The inclusion of the costs of issuing, selling, structuring and hedging the Securities in the 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: 1.2; padding-left: 21.34pt; text-align: left; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><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 10 months following the Settlement 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, 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: 1.2; text-align: left; margin-bottom: 0; margin-left: 21.34pt; text-indent: -15.84pt; "><!--[if IE]<FONT style="display: inline-block; width: 15.84pt; text-indent: -15.84pt; "><![endif]--><FONT style="display: inline-block; width: 15.84pt; text-indent: 0; text-align: left; font-size: 9.0pt; font-weight: bold; ">&#9830;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>The 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-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>&#8211;</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;'>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 Trade Date does not represent a minimum or maximum price at which dealers, including MS &amp; Co., would be willing to purchase your Securities in the secondary market (if any exists) at any time. The value of your Securities at any time after the date of this pricing supplement will vary based on many factors that cannot be predicted with accuracy, including our creditworthiness and changes in market conditions.  See also &#8220;The market price of the Securities may be influenced by many unpredictable factors&#8221; above.</font></FONT></FONT></P>
                <P style="margin-top: 6.6pt; line-height: 1.2; text-align: left; margin-bottom: 0; margin-left: 21.34pt; text-indent: -15.84pt; "><!--[if IE]<FONT style="display: inline-block; width: 15.84pt; text-indent: -15.84pt; "><![endif]--><FONT style="display: inline-block; width: 15.84pt; text-indent: 0; text-align: left; font-size: 9.0pt; ">&#9830;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>The Securities will not be listed on any securities exchange and secondary trading may be limited</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> &#8211; 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. currently intends, 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 </font></FONT></FONT></P>
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            <DIV style="width: 550.00pt; padding: 0 60.50pt 25.36pt 62.70pt; min-height: 14.25pt; position: relative; ">
                <P style="line-height: 1.2; text-align: right; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 7.0pt; "><FONT>6</FONT></FONT></P>
                <P style="line-height: 1.2; text-align: left; margin-top: 0; margin-bottom: 0; "><FONT style="font-size: 7.0pt; font-family: Arial, sans-serif; ">&nbsp;</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: 550.00pt; padding: 37.23pt 60.50pt 0 62.70pt; min-height: 22.16pt; position: relative; ">
            </DIV>
            <DIV style="width: 550.00pt; padding: 10pt 60.50pt 10pt 62.70pt; position: relative; margin-bottom: 20pt; ">
                <P style="margin-top: 6.6pt; line-height: 1.2; text-align: left; margin-bottom: 0; margin-left: 21.34pt; "><FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>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: 1.2; text-align: left; margin-bottom: 0; margin-left: 21.34pt; text-indent: -15.84pt; "><!--[if IE]<FONT style="display: inline-block; width: 15.84pt; text-indent: -15.84pt; "><![endif]--><FONT style="display: inline-block; width: 15.84pt; text-indent: 0; text-align: left; font-size: 9.0pt; ">&#9830;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Hedging and trading activity by our affiliates could potentially adversely affect the value of the Securities </font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>&#8211; One or more of our affiliates and/or third-party dealers expect to carry out hedging activities related to the Securities, including trading in the constituent stocks of the Underlying, in futures or options contracts on the Underlying or the constituent stocks of the Underlying, as well as in other instruments related to the Underlying.  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 Valuation Date approaches.  MS &amp; Co. and some of our other affiliates also trade the constituent stocks of the Underlying, in futures or options contracts on the constituent stocks of the Underlying, as well as in other instruments related to the Underlying, 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 Trade Date could potentially increase the Initial Level of the Underlying, and, therefore, could increase the Downside Threshold, which is the level at or above which the Underlying must close on the Final Valuation Date so that investors do not suffer a significant loss on their initial investment in the Securities.  Additionally, such hedging or trading activities during the term of the Securities, including on the Final Valuation Date, could adversely affect the Closing Level of the Underlying on the Final Valuation Date, and, accordingly, the amount of cash payable at maturity, if any.</font></FONT></FONT></P>
                <P style="margin-top: 6.6pt; line-height: 1.2; text-align: left; margin-bottom: 0; margin-left: 21.34pt; text-indent: -15.84pt; "><!--[if IE]<FONT style="display: inline-block; width: 15.84pt; text-indent: -15.84pt; "><![endif]--><FONT style="display: inline-block; width: 15.84pt; text-indent: 0; text-align: left; font-size: 9.0pt; font-weight: bold; ">&#9830;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Potential conflict of interest</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> &#8211; As Calculation Agent, MS &amp; Co. will determine the Initial Level, the Downside Threshold, the Upside Gearing, the Final Level and whether any Market Disruption Event has occurred, and will calculate the amount payable at maturity, if any.  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 Underlying or calculation of the Final Level in the event of a discontinuance of the Underlying or a Market Disruption Event.  These potentially subjective determinations may adversely affect the payout to you at maturity, if any.  For further information regarding these types of determinations, see &#8220;Additional Terms of the Securities&#8212;Postponement of Final Valuation Date and Maturity Date,&#8221; &#8220;&#8212;Discontinuance of the Underlying; Alteration of Method of Calculation&#8221; and &#8220;&#8212;Calculation Agent and Calculations&#8221; below.  In addition, MS &amp; Co. has determined the estimated value of the Securities on the Trade Date.</font></FONT></FONT></P>
                <P style="margin-top: 6.6pt; line-height: 1.2; text-align: left; margin-bottom: 0; margin-left: 21.34pt; text-indent: -15.84pt; "><!--[if IE]<FONT style="display: inline-block; width: 15.84pt; text-indent: -15.84pt; "><![endif]--><FONT style="display: inline-block; width: 15.84pt; text-indent: 0; text-align: left; font-size: 9.0pt; ">&#9830;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Potentially inconsistent research, opinions or recommendations by Morgan Stanley, UBS or our or their respective affiliates</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> &#8211; Morgan Stanley, UBS and our or their respective affiliates may publish research from time to time on financial markets and other matters that may influence the value of the Securities, or express opinions or provide recommendations that are inconsistent with purchasing or holding the Securities.  Any research, opinions or recommendations expressed by Morgan Stanley, UBS or our or their respective affiliates may not be consistent with each other and may be modified from time to time without notice. Investors should make their own independent investigation of the merits of investing in the Securities and the Underlying to which the Securities are linked.</font></FONT></FONT></P>
                <P style="margin-top: 6.6pt; line-height: 1.2; text-align: left; margin-bottom: 0; margin-left: 21.34pt; text-indent: -15.84pt; "><!--[if IE]<FONT style="display: inline-block; width: 15.84pt; text-indent: -15.84pt; "><![endif]--><FONT style="display: inline-block; width: 15.84pt; text-indent: 0; text-align: left; font-size: 9.0pt; ">&#9830;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>The U.S. federal income tax consequences of an investment in the Securities are uncertain</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> &#8211; Please note that the discussions in this pricing supplement concerning the U.S. federal income tax consequences of an investment in the Securities supersede the discussions contained in the accompanying prospectus supplement.  </font></FONT></FONT></P>
                <P style="margin-top: 6.6pt; line-height: 1.2; padding-left: 21.34pt; text-align: left; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Subject to the discussion under &#8220;What Are the Tax Consequences of the Securities&#8221; in this pricing supplement, although there is uncertainty regarding the U.S. federal income tax consequences of an investment in the Securities due to the lack of governing authority, in the opinion of our counsel, Davis Polk &amp; Wardwell LLP (&#8220;our counsel&#8221;), under current law, and based on current market conditions, each Security should be treated as a single financial contract that is an &#8220;open transaction&#8221; for U.S. federal income tax purposes. </font></FONT></P>
                <P style="margin-top: 6.6pt; line-height: 1.2; padding-left: 21.34pt; text-align: left; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>If the Internal Revenue Service (the &#8220;IRS&#8221;) were successful in asserting an alternative treatment for the Securities, the timing and character of income on the Securities might differ significantly from the tax treatment described herein.  For example, under one possible treatment, the IRS could seek to recharacterize the Securities as debt instruments. In that event, U.S. Holders (as defined below) 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.  The risk that financial instruments providing for buffers, triggers or similar downside protection features, such as the Securities, would be recharacterized as debt is greater than the risk of recharacterization for comparable financial instruments that do not have such features.  We do not plan to request a ruling from the IRS regarding the tax treatment of the Securities, and the IRS or a court may not agree with the tax treatment described in this pricing supplement.</font></FONT></P>
                <P style="margin-top: 6.6pt; line-height: 1.2; padding-left: 21.34pt; text-align: left; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>In 2007, the U.S. Treasury Department and the IRS released a notice requesting comments on the U.S. federal income tax treatment of &#8220;prepaid forward contracts&#8221; and similar instruments.  The notice focuses in particular on whether to require holders of these instruments to accrue income over the term of their investment.  It also asks for comments on a number of related topics, including the character of income or loss with respect to these instruments; whether short-term instruments should be subject to any such accrual regime; the relevance of factors such as the exchange-traded status of the instruments and the nature of the underlying property to which the instruments are linked; the degree, if any, to which income (including any mandated accruals) realized by Non-U.S. Holders (as defined below) should be subject to withholding tax; and whether these instruments are or should be subject to the &#8220;constructive ownership&#8221; rule, which very generally can operate to recharacterize certain long-term capital gain as ordinary income and impose an interest charge.  While the notice requests comments on appropriate transition rules and effective dates, any Treasury regulations or other guidance promulgated after </font></FONT></P>
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                <P style="line-height: 1.2; text-align: right; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 7.0pt; "><FONT>7</FONT></FONT></P>
                <P style="line-height: 1.2; text-align: left; margin-top: 0; margin-bottom: 0; "><FONT style="font-size: 7.0pt; font-family: Arial, sans-serif; ">&nbsp;</FONT></P>
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            <P></P>
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            <DIV style="width: 550.00pt; padding: 37.23pt 60.50pt 0 62.70pt; min-height: 22.16pt; position: relative; ">
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            <DIV style="width: 550.00pt; padding: 10pt 60.50pt 10pt 62.70pt; position: relative; margin-bottom: 20pt; ">
                <P style="margin-top: 6.6pt; line-height: 1.2; padding-left: 21.34pt; text-align: left; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>consideration of these issues could materially and adversely affect the tax consequences of an investment in the Securities, possibly with retroactive effect. </font></FONT></P>
                <P style="margin-top: 6.6pt; line-height: 1.2; padding-left: 21.34pt; text-align: left; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Both U.S. and Non-U.S. Holders should read carefully the discussion under &#8220;What Are the Tax Consequences of the Securities&#8221; in this pricing supplement and consult their tax advisers regarding all aspects of the U.S. federal tax consequences of an investment in the Securities 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: 6.6pt; margin-bottom: 3.3pt; line-height: 1.2; text-indent: 0.0pt; text-align: left; "><FONT style="font-family: Arial, sans-serif; font-size: 11.0pt; text-decoration-style: solid; text-decoration-line: underline; "><U><font style='white-space: pre-wrap;'>Risks Relating to the Underlying</font></U></FONT></P>
                <P style="margin-top: 0.0pt; margin-bottom: 6.6pt; line-height: 1.2; 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: black; font-size: 8.0pt; ">&#9830;</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 probability that the Final Level will be less than the Downside Threshold will depend on the volatility of the Underlying</font></FONT><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'> &#8212; &#8220;Volatility&#8221; refers to the frequency and magnitude of changes in the level of the Underlying.&#160; Higher expected volatility with respect to the Underlying as of the Trade Date generally indicates a greater chance as of that date that the Final Level will be less than the Downside Threshold, which would result in a loss of a significant portion or all of your investment at maturity.&#160; However, the Underlying&#8217;s volatility can change significantly over the term of the Securities. &#160;The level of the Underlying could fall sharply, resulting in a significant loss of principal. &#160;You should be willing to accept the downside market risk of the Underlying and the potential loss of a significant portion or all of your investment at maturity.</font></FONT></FONT></P>
                <P style="margin-top: 6.6pt; line-height: 1.2; text-align: left; 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: black; font-size: 8.0pt; ">&#9830;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Governmental regulatory actions could result in material changes to the composition of the Underlying and could negatively affect your return on the Securities &#8211;</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> Governmental regulatory actions, including but not limited to sanctions-related actions by the U.S. or foreign governments, could make it necessary or advisable for there to be material changes to the composition of the Underlying, depending on the nature of such governmental regulatory actions and the Underlying constituent stocks that are affected. If any governmental regulatory action results in the removal of Underlying constituent stocks that have (or historically have had) significant weights within the Underlying, such removal, or even any uncertainty relating to a possible removal, could have a material and negative effect on the level of the Underlying and, therefore, your return on the Securities.</font></FONT></FONT></P>
                <P style="margin-top: 6.6pt; line-height: 1.2; text-align: left; 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: black; font-size: 8.0pt; ">&#9830;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Adjustments to the Underlying could adversely affect the value of the Securities</font></FONT><FONT style="font-size: 9.0pt; font-family: Times New Roman, Times, serif; "><font style='white-space: pre-wrap;'> &#8211; </font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>The Underlying Publisher of the Underlying is responsible for calculating and maintaining the Underlying. The Underlying Publisher may add, delete or substitute the stocks constituting the Underlying or make other methodological changes required by certain corporate events relating to the stocks constituting the Underlying, such as stock dividends, stock splits, spin-offs, rights offerings and extraordinary dividends, that could change the value of the Underlying.  The Underlying Publisher may discontinue or suspend calculation or publication of the Underlying at any time.  In these circumstances, the Calculation Agent will have the sole discretion to substitute a Successor Underlying that is comparable to the discontinued Underlying, and is permitted to consider indices that are calculated and published by the Calculation Agent or any of its affiliates.  Any of these actions could adversely affect the value of the Underlying and, consequently, the value of the Securities.</font></FONT></FONT></P>
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                <P style="line-height: 1.2; text-align: right; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 7.0pt; "><FONT>8</FONT></FONT></P>
                <P style="line-height: 1.2; text-align: left; margin-top: 0; margin-bottom: 0; "><FONT style="font-size: 7.0pt; font-family: Arial, sans-serif; ">&nbsp;</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: 550.00pt; padding: 37.23pt 60.50pt 0 62.70pt; min-height: 22.16pt; position: relative; ">
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                <TABLE width="549.45pt" style="margin-left: 0.5pt; width: 549.45pt; table-layout: fixed; border-collapse: collapse; ">
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                            <P style="margin-top: 3.3pt; margin-bottom: 3.3pt; line-height: 1.2; "><FONT style="font-family: Arial, sans-serif; color: #FFFFFF; font-size: 9.0pt; font-weight: bold; "><font style='white-space: pre-wrap;'>Scenario Analysis and Examples at Maturity</font></FONT></P>
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                <P style="margin-top: 3.3pt; line-height: 1.2; text-indent: 0.0pt; text-align: center; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>These examples are based on hypothetical terms.  The actual terms are set forth on the cover of this pricing supplement.</font></FONT></P>
                <P style="margin-top: 3.3pt; line-height: 1.2; text-indent: 0.0pt; text-align: left; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>The below scenario analysis and examples are provided for illustrative purposes only and are hypothetical. They do not purport to be representative of every possible scenario concerning increases or decreases in the level of the Underlying relative to the Initial Level. We cannot predict the Final Level on the Final Valuation Date. You should not take the scenario analysis and these examples as an indication or assurance of the expected performance of the Underlying. The numbers appearing in the examples below have been rounded for ease of analysis. The following scenario analysis and examples illustrate the payment at maturity for a $10.00 security on a hypothetical offering of the Securities, and reflect the Maximum Gain of 42.45% and the following terms:</font></FONT></P>
                <P style="margin-top: 6.6pt; line-height: 1.2; text-indent: 0.0pt; text-align: left; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Investment term:</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; width: 126.23pt; display: inline-block; ">&nbsp;</FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Approximately</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; "></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> 4 years</font></FONT></P>
                <P style="margin-top: 3.3pt; line-height: 1.2; text-indent: 0.0pt; text-align: left; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Hypothetical Initial Level:</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; width: 93.22pt; display: inline-block; ">&nbsp;</FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>6</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; "></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>,000</font></FONT></P>
                <P style="margin-top: 3.3pt; line-height: 1.2; text-indent: 0.0pt; text-align: left; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Hypothetical Downside Threshold:</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; width: 53.62pt; display: inline-block; ">&nbsp;</FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>4</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; "></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>,500 (75% of the hypothetical Initial Level)</font></FONT></P>
                <P style="margin-top: 3.3pt; line-height: 1.2; text-indent: 0.0pt; text-align: left; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Maximum Gain:</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; width: 130.35pt; display: inline-block; ">&nbsp;</FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>42</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; "></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>.45%</font></FONT></P>
                <P style="margin-top: 3.3pt; margin-bottom: 9.9pt; line-height: 1.2; text-indent: 0.0pt; text-align: left; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Upside Gearing:</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; width: 130.35pt; display: inline-block; ">&nbsp;</FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>1</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; "></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>.5</font></FONT></P>
                <P style="margin-top: 11.0pt; margin-bottom: 6.6pt; line-height: 1.2; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #231F20; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Example 1</font></FONT><FONT style="font-family: Arial, sans-serif; color: #231F20; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>&#8212; </font></FONT><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #231F20; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>The level of the Underlying </font></FONT><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-style: italic; color: #231F20; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>increases</font></FONT><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #231F20; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> from an Initial Level of 6,000 to a Final Level of 6,120.  </font></FONT><FONT style="font-family: Arial, sans-serif; color: #231F20; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>The Underlying Return is calculated as follows:</font></FONT></P>
                <P style="margin-top: 3.3pt; margin-bottom: 6.6pt; line-height: 1.2; text-align: center; "><FONT style="font-family: Arial, sans-serif; color: #231F20; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>(6,120 - 6,000) / 6,000 = 2.00%</font></FONT></P>
                <P style="margin-top: 11.0pt; margin-bottom: 6.6pt; line-height: 1.2; "><FONT style="font-family: Arial, sans-serif; color: #231F20; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Because the Underlying Return is greater than zero, the Payment at Maturity for each $10.00 Principal Amount of Securities is calculated as the lesser of:</font></FONT></P>
                <P style="margin-top: 3.3pt; line-height: 13.0pt; text-indent: 77.0pt; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; color: #231F20; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>(A) $10.00 + ($10.00 &#215; Underlying Return &#215; Upside Gearing), and </font></FONT></P>
                <P style="margin-top: 3.3pt; line-height: 13.0pt; text-indent: 77.0pt; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; color: #231F20; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>(B) $10.00 + ($10.00 &#215; Maximum Gain)</font></FONT></P>
                <P style="margin-top: 3.3pt; margin-bottom: 6.6pt; line-height: 1.2; text-indent: 44.55pt; padding-left: 79.2pt; "><FONT style="font-family: Arial, sans-serif; color: #231F20; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>= the lesser of (A) $10.00 + ([$10 </font></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #231F20; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>&#215;</font></FONT><FONT style="font-family: Arial, sans-serif; color: #231F20; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> (2.00% </font></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #231F20; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>&#215;</font></FONT><FONT style="font-family: Arial, sans-serif; color: #231F20; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> 1.5)] and (B) $10.00 + (10.00 &#215; 42.45%)</font></FONT></P>
                <P style="margin-top: 3.3pt; margin-bottom: 6.6pt; line-height: 1.2; text-indent: 44.55pt; padding-left: 79.2pt; "><FONT style="font-family: Arial, sans-serif; color: #231F20; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>= the lesser of (A) $10.00 + ($10.00 &#215; 3%) and (B) $10.00 + ($10.00 &#215; 42.45%)</font></FONT></P>
                <P style="margin-top: 3.3pt; margin-bottom: 6.6pt; line-height: 1.2; text-indent: 44.55pt; padding-left: 79.2pt; "><FONT style="font-family: Arial, sans-serif; color: #231F20; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>= $10.00 + ($10.00 &#215; 3%)</font></FONT></P>
                <P style="margin-top: 3.3pt; line-height: 13.0pt; text-indent: -9.9pt; padding-left: 133.65pt; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; color: #231F20; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>= $10.00 + $0.30</font></FONT></P>
                <P style="margin-top: 3.3pt; line-height: 13.0pt; text-indent: -9.9pt; padding-left: 133.65pt; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; color: #231F20; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>= $10.30</font></FONT></P>
                <P style="margin-top: 3.3pt; margin-bottom: 6.6pt; line-height: 1.2; "><FONT style="font-family: Arial, sans-serif; color: #231F20; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Because the Underlying Return of 2.00% multiplied by the Upside Gearing is less than the Maximum Gain of 42.45%, the Payment at Maturity is equal to $10.30 per $10.00 Principal Amount of Securities, resulting in a total return on the Securities of 3.00%.</font></FONT></P>
                <P style="margin-top: 11.0pt; margin-bottom: 6.6pt; line-height: 1.2; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #231F20; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Example 2</font></FONT><FONT style="font-family: Arial, sans-serif; color: #231F20; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>&#8212;</font></FONT><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #231F20; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> The level of the Underlying </font></FONT><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-style: italic; color: #231F20; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>increases</font></FONT><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #231F20; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> from an Initial Level of 6,000 to a Final Level of 10,800.</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 11.0pt; "><font style='white-space: pre-wrap;'> </font></FONT><FONT style="font-family: Arial, sans-serif; color: #231F20; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>The Underlying Return is calculated as follows:</font></FONT></P>
                <P style="margin-top: 3.3pt; margin-bottom: 6.6pt; line-height: 1.2; text-align: center; "><FONT style="font-family: Arial, sans-serif; color: #231F20; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>(10,800 - 6,000) / 6,000 = 80.00%</font></FONT></P>
                <P style="margin-top: 11.0pt; margin-bottom: 6.6pt; line-height: 1.2; "><FONT style="font-family: Arial, sans-serif; color: #231F20; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Because the Underlying Return is greater than zero, the Payment at Maturity for each $10.00 Principal Amount of Securities is calculated as the lesser of:</font></FONT></P>
                <P style="margin-top: 3.3pt; line-height: 13.0pt; text-indent: 77.0pt; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; color: #231F20; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>(A) $10.00 + ($10.00 &#215; Underlying Return &#215; Upside Gearing), and </font></FONT></P>
                <P style="margin-top: 3.3pt; line-height: 13.0pt; text-indent: 77.0pt; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; color: #231F20; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>(B) $10.00 + ($10.00 &#215; Maximum Gain)</font></FONT></P>
                <P style="margin-top: 3.3pt; margin-bottom: 6.6pt; line-height: 1.2; text-indent: 44.55pt; padding-left: 79.2pt; "><FONT style="font-family: Arial, sans-serif; color: #231F20; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>= the lesser of (A) $10.00 + ([$10.00 </font></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #231F20; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>&#215;</font></FONT><FONT style="font-family: Arial, sans-serif; color: #231F20; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> (80.00% </font></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #231F20; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>&#215;</font></FONT><FONT style="font-family: Arial, sans-serif; color: #231F20; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> 1.5)] and (B) $10.00 + ($10.00 &#215; 42.45%)</font></FONT></P>
                <P style="margin-top: 3.3pt; margin-bottom: 6.6pt; line-height: 1.2; text-indent: 44.55pt; padding-left: 79.2pt; "><FONT style="font-family: Arial, sans-serif; color: #231F20; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>= the lesser of (A) $10.00 + ($10.00 &#215; 120%) and (B) $10.00 + ($10.00 &#215; 42.45%)</font></FONT></P>
                <P style="margin-top: 3.3pt; margin-bottom: 6.6pt; line-height: 1.2; text-indent: 44.55pt; padding-left: 79.2pt; "><FONT style="font-family: Arial, sans-serif; color: #231F20; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>= $10.00 + ($10.00 &#215; 42.45%)</font></FONT></P>
                <P style="margin-top: 3.3pt; line-height: 13.0pt; text-indent: -9.9pt; padding-left: 133.65pt; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; color: #231F20; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>= $10.00 + $4.245</font></FONT></P>
                <P style="margin-top: 11.0pt; margin-bottom: 6.6pt; line-height: 1.2; text-indent: 123.75pt; "><FONT style="font-family: Arial, sans-serif; color: #231F20; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>= $14.245</font></FONT></P>
                <P style="margin-top: 11.0pt; margin-bottom: 6.6pt; line-height: 1.2; "><FONT style="font-family: Arial, sans-serif; color: #231F20; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Because the Underlying Return of 80.00% multiplied by the Upside Gearing is greater than the Maximum Gain of 42.45%, the Payment at Maturity is equal to $14.245 per $10.00 Principal Amount of Securities, resulting in a total return on the Securities of 42.45%.</font></FONT></P>
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            <DIV style="width: 550.00pt; padding: 0 60.50pt 25.36pt 62.70pt; min-height: 14.25pt; position: relative; ">
                <P style="line-height: 1.2; text-align: right; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 7.0pt; "><FONT>9</FONT></FONT></P>
                <P style="line-height: 1.2; text-align: left; margin-top: 0; margin-bottom: 0; "><FONT style="font-size: 7.0pt; font-family: Arial, sans-serif; ">&nbsp;</FONT></P>
            </DIV>
        </DIV>
        <DIV style="page-break-after: always; border-bottom: 1pt solid black; ">
            <P></P>
        </DIV>
        <DIV style="margin: auto; width: 673.20pt; padding: 36pt 0; ">
            <DIV style="width: 550.00pt; padding: 37.23pt 60.50pt 0 62.70pt; min-height: 22.16pt; position: relative; ">
            </DIV>
            <DIV style="width: 550.00pt; padding: 10pt 60.50pt 10pt 62.70pt; position: relative; margin-bottom: 20pt; ">
                <P style="margin-top: 11.0pt; margin-bottom: 6.6pt; line-height: 1.2; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #231F20; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Example 3</font></FONT><FONT style="font-family: Arial, sans-serif; color: #231F20; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>&#8212; </font></FONT><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #231F20; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>The Final Level is equal to the Initial Level of 6,000.  </font></FONT><FONT style="font-family: Arial, sans-serif; color: #231F20; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>The Underlying Return is zero and expressed as a formula:</font></FONT></P>
                <P style="margin-top: 3.3pt; margin-bottom: 6.6pt; line-height: 1.2; text-align: center; "><FONT style="font-family: Arial, sans-serif; color: #231F20; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Underlying Return = (6,000 &#8211; 6,000) / 6,000 = 0.00%</font></FONT></P>
                <P style="margin-top: 3.3pt; margin-bottom: 6.6pt; line-height: 1.2; text-align: center; "><FONT style="font-family: Arial, sans-serif; color: #231F20; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Payment at Maturity = $10.00</font></FONT></P>
                <P style="margin-top: 3.3pt; margin-bottom: 6.6pt; line-height: 1.2; "><FONT style="font-family: Arial, sans-serif; color: #231F20; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Because the Underlying Return is zero, the Payment at Maturity per Security is equal to the original $10.00 Principal Amount per Security, resulting in a zero percent return on the Securities.</font></FONT></P>
                <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 1.2; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #231F20; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Example 4</font></FONT><FONT style="font-family: Arial, sans-serif; color: #231F20; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>&#8212; </font></FONT><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #231F20; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>The level of the Underlying </font></FONT><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-style: italic; color: #231F20; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>decreases </font></FONT><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #231F20; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>from an Initial Level of 6,000 to a Final Level of 5,400.  </font></FONT><FONT style="font-family: Arial, sans-serif; color: #231F20; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>The Underlying Return is negative and expressed as a formula:</font></FONT></P>
                <P style="margin-top: 3.3pt; margin-bottom: 6.6pt; line-height: 1.2; text-align: center; "><FONT style="font-family: Arial, sans-serif; color: #231F20; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Underlying Return = (5,400 - 6,000) / 6,000 = -10.00%</font></FONT></P>
                <P style="margin-top: 3.3pt; margin-bottom: 6.6pt; line-height: 1.2; text-align: center; "><FONT style="font-family: Arial, sans-serif; color: #231F20; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Payment at Maturity = $10.00</font></FONT></P>
                <P style="margin-top: 3.3pt; margin-bottom: 6.6pt; line-height: 1.2; "><FONT style="font-family: Arial, sans-serif; color: #231F20; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Because the Underlying Return is less than zero, but the Final Level is greater than or equal to the Downside Threshold on the Final Valuation Date, MSFL will pay you a Payment at Maturity equal to $10.00 per $10.00 Principal Amount of Securities, resulting in a zero percent return on the Securities.</font></FONT></P>
                <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 1.2; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #231F20; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Example 5</font></FONT><FONT style="font-family: Arial, sans-serif; color: #231F20; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>&#8212; </font></FONT><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #231F20; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>The level of the Underlying </font></FONT><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-style: italic; color: #231F20; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>decreases </font></FONT><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #231F20; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>from an Initial Level of 6,000 to a Final Level of 2,400.</font></FONT><FONT style="font-family: Arial, sans-serif; color: #231F20; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>  The Underlying Return is negative and expressed as a formula:</font></FONT></P>
                <P style="margin-top: 3.3pt; margin-bottom: 6.6pt; line-height: 1.2; text-align: center; "><FONT style="font-family: Arial, sans-serif; color: #231F20; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Underlying Return = (2,400 - 6,000) / 6,000 = -60.00%</font></FONT></P>
                <P style="margin-top: 3.3pt; margin-bottom: 6.6pt; line-height: 1.2; text-align: center; "><FONT style="font-family: Arial, sans-serif; color: #231F20; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Payment at Maturity = $10 + ($10 </font></FONT><FONT style="font-family: Times New Roman, Times, serif; color: #231F20; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>&#215;</font></FONT><FONT style="font-family: Arial, sans-serif; color: #231F20; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> -60.00%) = $4.00</font></FONT></P>
                <P style="margin-top: 3.3pt; margin-bottom: 6.6pt; line-height: 1.2; "><FONT style="font-family: Arial, sans-serif; color: #231F20; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Because the Underlying Return is less than zero and the Final Level is below the Downside Threshold on the Final Valuation Date, the Securities will be fully exposed to any decline in the level of the Underlying on the Final Valuation Date. Therefore, the Payment at Maturity is equal to $4.00 per $10.00 Principal Amount of Securities, resulting in a total loss on the Securities of 60.00%.</font></FONT></P>
                <P style="margin-top: 3.3pt; margin-bottom: 6.6pt; line-height: 1.2; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-style: italic; color: #231F20; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>If the Final Level is below the Downside Threshold on the Final Valuation Date, the Securities will be fully exposed to any decline in the Underlying, and you will lose a significant portion or all of your Principal Amount at maturity. </font></FONT></P>
            </DIV>
            <DIV style="width: 550.00pt; padding: 0 60.50pt 25.36pt 62.70pt; min-height: 14.25pt; position: relative; ">
                <P style="line-height: 1.2; text-align: right; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 7.0pt; "><FONT>10</FONT></FONT></P>
                <P style="line-height: 1.2; text-align: left; margin-top: 0; margin-bottom: 0; "><FONT style="font-size: 7.0pt; font-family: Arial, sans-serif; ">&nbsp;</FONT></P>
            </DIV>
        </DIV>
        <DIV style="page-break-after: always; border-bottom: 1pt solid black; ">
            <P></P>
        </DIV>
        <DIV style="margin: auto; width: 673.20pt; padding: 36pt 0; ">
            <DIV style="width: 550.00pt; padding: 37.23pt 60.50pt 0 62.70pt; min-height: 22.16pt; position: relative; ">
            </DIV>
            <DIV style="width: 550.00pt; padding: 10pt 60.50pt 10pt 62.70pt; position: relative; margin-bottom: 20pt; ">
                <P style="margin-top: 3.3pt; margin-bottom: 6.6pt; line-height: 13.0pt; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-style: italic; color: #231F20; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Scenario Analysis &#8211; Hypothetical Payment at Maturity for each $10.00 Principal Amount of Securities.</font></FONT></P>
                <TABLE width="549.34pt" style="margin-left: auto; width: 549.34pt; table-layout: fixed; border-collapse: collapse; margin-right: auto; ">
                    <TR>
                        <TD width="66.61pt" style="width: 66.61pt; border: 0; margin: 0; padding: 0; height: 0; ">
                        </TD>
                        <TD width="123.03pt" style="width: 123.03pt; border: 0; margin: 0; padding: 0; height: 0; ">
                        </TD>
                        <TD width="123.75pt" style="width: 123.75pt; border: 0; margin: 0; padding: 0; height: 0; ">
                        </TD>
                        <TD width="118.80pt" style="width: 118.80pt; border: 0; margin: 0; padding: 0; height: 0; ">
                        </TD>
                        <TD width="117.15pt" style="width: 117.15pt; border: 0; margin: 0; padding: 0; height: 0; ">
                        </TD>
                        <TD width="0.00pt" style="width: 0.00pt; border: 0; margin: 0; padding: 0; height: 0; ">
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD colspan="2" style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; background-color: #5A6F89; vertical-align: bottom; ">
                            <P style="border-bottom:  0.50pt solid black; text-align: center; margin-top: 0.0pt; line-height: 1.2; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; color: #FFFFFF; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Performance of the Underlying*</font></FONT></P>
                        </TD>
                        <TD colspan="4" style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; background-color: #5A6F89; ">
                            <P style="border-bottom:  0.50pt solid black; text-align: center; margin-top: 0.0pt; line-height: 1.2; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; color: #FFFFFF; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Performance of the Securities</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: bottom; ">
                            <P style="border-bottom:  0.50pt solid black; text-align: center; margin-top: 0.0pt; line-height: 1.2; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Final Level</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; vertical-align: bottom; ">
                            <P style="border-bottom:  0.50pt solid black; text-align: center; margin-top: 0.0pt; line-height: 1.2; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Underlying Return</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; vertical-align: bottom; ">
                            <P style="border-bottom:  0.50pt solid black; text-align: center; margin-top: 0.0pt; line-height: 1.2; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Upside Gearing</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; vertical-align: bottom; ">
                            <P style="border-bottom:  0.50pt solid black; text-align: center; margin-top: 0.0pt; line-height: 1.2; margin-bottom: 0; "><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: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; vertical-align: bottom; ">
                            <P style="border-bottom:  0.50pt solid black; text-align: center; margin-top: 0.0pt; line-height: 1.2; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Return on Securities Purchased at $10.00</font></FONT><FONT style="font-family: Arial, sans-serif; vertical-align: super; font-size: 7pt; "><font style='white-space: pre-wrap;'>(1)</font></FONT></P>
                        </TD>
                        <TD>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; min-height: 3.63pt; ">
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-bottom:  0.50pt solid black; vertical-align: middle; ">
                            <P style="text-align: center; margin-top: 0.0pt; line-height: 1.2; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>12,000.00</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-bottom:  0.50pt solid black; vertical-align: bottom; ">
                            <P style="text-align: center; margin-top: 0.0pt; line-height: 1.2; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>100.00%</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-bottom:  0.50pt solid black; ">
                            <P style="text-align: center; margin-top: 0.0pt; line-height: 1.2; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>1.5</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-bottom:  0.50pt solid black; ">
                            <P style="text-align: center; margin-top: 0.0pt; line-height: 1.2; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>$14.245</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-bottom:  0.50pt solid black; ">
                            <P style="text-align: center; margin-top: 0.0pt; line-height: 1.2; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>42.45%</font></FONT></P>
                        </TD>
                        <TD>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-bottom:  0.50pt solid black; border-top:  0.50pt solid black; vertical-align: middle; ">
                            <P style="text-align: center; margin-top: 0.0pt; line-height: 1.2; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>11,400.00</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-bottom:  0.50pt solid black; border-top:  0.50pt solid black; vertical-align: bottom; ">
                            <P style="text-align: center; margin-top: 0.0pt; line-height: 1.2; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>90.00%</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-bottom:  0.50pt solid black; border-top:  0.50pt solid black; ">
                            <P style="text-align: center; margin-top: 0.0pt; line-height: 1.2; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>1.5</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-bottom:  0.50pt solid black; border-top:  0.50pt solid black; ">
                            <P style="text-align: center; margin-top: 0.0pt; line-height: 1.2; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>$14.245</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-bottom:  0.50pt solid black; border-top:  0.50pt solid black; ">
                            <P style="text-align: center; margin-top: 0.0pt; line-height: 1.2; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>42.45%</font></FONT></P>
                        </TD>
                        <TD>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-bottom:  0.50pt solid black; border-top:  0.50pt solid black; vertical-align: middle; ">
                            <P style="text-align: center; margin-top: 0.0pt; line-height: 1.2; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>10,800.00</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-bottom:  0.50pt solid black; border-top:  0.50pt solid black; vertical-align: bottom; ">
                            <P style="text-align: center; margin-top: 0.0pt; line-height: 1.2; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>80.00%</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-bottom:  0.50pt solid black; border-top:  0.50pt solid black; ">
                            <P style="text-align: center; margin-top: 0.0pt; line-height: 1.2; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>1.5</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-bottom:  0.50pt solid black; border-top:  0.50pt solid black; ">
                            <P style="text-align: center; margin-top: 0.0pt; line-height: 1.2; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>$14.245</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-bottom:  0.50pt solid black; border-top:  0.50pt solid black; ">
                            <P style="text-align: center; margin-top: 0.0pt; line-height: 1.2; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>42.45%</font></FONT></P>
                        </TD>
                        <TD>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-bottom:  0.50pt solid black; border-top:  0.50pt solid black; vertical-align: middle; ">
                            <P style="text-align: center; margin-top: 0.0pt; line-height: 1.2; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>10,200.00</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-bottom:  0.50pt solid black; border-top:  0.50pt solid black; vertical-align: bottom; ">
                            <P style="text-align: center; margin-top: 0.0pt; line-height: 1.2; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>70.00%</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-bottom:  0.50pt solid black; border-top:  0.50pt solid black; ">
                            <P style="text-align: center; margin-top: 0.0pt; line-height: 1.2; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>1.5</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-bottom:  0.50pt solid black; border-top:  0.50pt solid black; ">
                            <P style="text-align: center; margin-top: 0.0pt; line-height: 1.2; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>$14.245</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-bottom:  0.50pt solid black; border-top:  0.50pt solid black; ">
                            <P style="text-align: center; margin-top: 0.0pt; line-height: 1.2; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>42.45%</font></FONT></P>
                        </TD>
                        <TD>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-bottom:  0.50pt solid black; border-top:  0.50pt solid black; vertical-align: middle; ">
                            <P style="text-align: center; margin-top: 0.0pt; line-height: 1.2; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>9,600.00</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-bottom:  0.50pt solid black; border-top:  0.50pt solid black; vertical-align: bottom; ">
                            <P style="text-align: center; margin-top: 0.0pt; line-height: 1.2; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>60.00%</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-bottom:  0.50pt solid black; border-top:  0.50pt solid black; ">
                            <P style="text-align: center; margin-top: 0.0pt; line-height: 1.2; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>1.5</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-bottom:  0.50pt solid black; border-top:  0.50pt solid black; ">
                            <P style="text-align: center; margin-top: 0.0pt; line-height: 1.2; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>$14.245</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-bottom:  0.50pt solid black; border-top:  0.50pt solid black; ">
                            <P style="text-align: center; margin-top: 0.0pt; line-height: 1.2; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>42.45%</font></FONT></P>
                        </TD>
                        <TD>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-bottom:  0.50pt solid black; border-top:  0.50pt solid black; vertical-align: middle; ">
                            <P style="text-align: center; margin-top: 0.0pt; line-height: 1.2; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>9,000.00</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-bottom:  0.50pt solid black; border-top:  0.50pt solid black; vertical-align: bottom; ">
                            <P style="text-align: center; margin-top: 0.0pt; line-height: 1.2; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>50.00%</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-bottom:  0.50pt solid black; border-top:  0.50pt solid black; ">
                            <P style="text-align: center; margin-top: 0.0pt; line-height: 1.2; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>1.5</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-bottom:  0.50pt solid black; border-top:  0.50pt solid black; ">
                            <P style="text-align: center; margin-top: 0.0pt; line-height: 1.2; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>$14.245</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-bottom:  0.50pt solid black; border-top:  0.50pt solid black; ">
                            <P style="text-align: center; margin-top: 0.0pt; line-height: 1.2; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>42.45%</font></FONT></P>
                        </TD>
                        <TD>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-bottom:  0.50pt solid black; border-top:  0.50pt solid black; vertical-align: middle; ">
                            <P style="text-align: center; margin-top: 0.0pt; line-height: 1.2; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>8,547.00</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-bottom:  0.50pt solid black; border-top:  0.50pt solid black; vertical-align: bottom; ">
                            <P style="text-align: center; margin-top: 0.0pt; line-height: 1.2; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>42.45%</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-bottom:  0.50pt solid black; border-top:  0.50pt solid black; ">
                            <P style="text-align: center; margin-top: 0.0pt; line-height: 1.2; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>1.5</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-bottom:  0.50pt solid black; border-top:  0.50pt solid black; ">
                            <P style="text-align: center; margin-top: 0.0pt; line-height: 1.2; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>$14.245</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-bottom:  0.50pt solid black; border-top:  0.50pt solid black; ">
                            <P style="text-align: center; margin-top: 0.0pt; line-height: 1.2; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>42.45%</font></FONT></P>
                        </TD>
                        <TD>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-bottom:  0.50pt solid black; border-top:  0.50pt solid black; vertical-align: middle; ">
                            <P style="text-align: center; margin-top: 0.0pt; line-height: 1.2; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>7,800.00</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-bottom:  0.50pt solid black; border-top:  0.50pt solid black; vertical-align: bottom; ">
                            <P style="text-align: center; margin-top: 0.0pt; line-height: 1.2; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>30.00%</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-bottom:  0.50pt solid black; border-top:  0.50pt solid black; ">
                            <P style="text-align: center; margin-top: 0.0pt; line-height: 1.2; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>1.5</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-bottom:  0.50pt solid black; border-top:  0.50pt solid black; vertical-align: middle; ">
                            <P style="text-align: center; margin-top: 0.0pt; line-height: 1.2; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>$14.245</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-bottom:  0.50pt solid black; border-top:  0.50pt solid black; ">
                            <P style="text-align: center; margin-top: 0.0pt; line-height: 1.2; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>42.45%</font></FONT></P>
                        </TD>
                        <TD>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-bottom:  0.50pt solid black; border-top:  0.50pt solid black; background-color: #95B3D7; vertical-align: middle; ">
                            <P style="text-align: center; margin-top: 0.0pt; line-height: 1.2; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>7,698.00</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-bottom:  0.50pt solid black; border-top:  0.50pt solid black; background-color: #95B3D7; ">
                            <P style="text-align: center; margin-top: 0.0pt; line-height: 1.2; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>28.30%</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-bottom:  0.50pt solid black; border-top:  0.50pt solid black; background-color: #95B3D7; ">
                            <P style="text-align: center; margin-top: 0.0pt; line-height: 1.2; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>1.5</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-bottom:  0.50pt solid black; border-top:  0.50pt solid black; background-color: #95B3D7; ">
                            <P style="text-align: center; margin-top: 0.0pt; line-height: 1.2; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>$14.245</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-bottom:  0.50pt solid black; border-top:  0.50pt solid black; background-color: #95B3D7; ">
                            <P style="text-align: center; margin-top: 0.0pt; line-height: 1.2; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>42.45%</font></FONT></P>
                        </TD>
                        <TD>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-bottom:  0.50pt solid black; border-top:  0.50pt solid black; vertical-align: middle; ">
                            <P style="text-align: center; margin-top: 0.0pt; line-height: 1.2; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>7,200.00</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-bottom:  0.50pt solid black; border-top:  0.50pt solid black; vertical-align: bottom; ">
                            <P style="text-align: center; margin-top: 0.0pt; line-height: 1.2; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>20.00%</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-bottom:  0.50pt solid black; border-top:  0.50pt solid black; ">
                            <P style="text-align: center; margin-top: 0.0pt; line-height: 1.2; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>1.5</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-bottom:  0.50pt solid black; border-top:  0.50pt solid black; vertical-align: middle; ">
                            <P style="text-align: center; margin-top: 0.0pt; line-height: 1.2; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>$13.00 </font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-bottom:  0.50pt solid black; border-top:  0.50pt solid black; vertical-align: middle; ">
                            <P style="text-align: center; margin-top: 0.0pt; line-height: 1.2; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>30.00%</font></FONT></P>
                        </TD>
                        <TD>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-bottom:  0.50pt solid black; border-top:  0.50pt solid black; vertical-align: middle; ">
                            <P style="text-align: center; margin-top: 0.0pt; line-height: 1.2; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>6,600.00</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-bottom:  0.50pt solid black; border-top:  0.50pt solid black; vertical-align: bottom; ">
                            <P style="text-align: center; margin-top: 0.0pt; line-height: 1.2; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>10.00%</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-bottom:  0.50pt solid black; border-top:  0.50pt solid black; ">
                            <P style="text-align: center; margin-top: 0.0pt; line-height: 1.2; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>1.5</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-bottom:  0.50pt solid black; border-top:  0.50pt solid black; vertical-align: middle; ">
                            <P style="text-align: center; margin-top: 0.0pt; line-height: 1.2; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>$11.50 </font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-bottom:  0.50pt solid black; border-top:  0.50pt solid black; vertical-align: middle; ">
                            <P style="text-align: center; margin-top: 0.0pt; line-height: 1.2; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>15.00%</font></FONT></P>
                        </TD>
                        <TD>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-bottom:  0.50pt solid black; border-top:  0.50pt solid black; background-color: #FFFFFF; vertical-align: middle; ">
                            <P style="text-align: center; margin-top: 0.0pt; line-height: 1.2; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>6,300.00</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-bottom:  0.50pt solid black; border-top:  0.50pt solid black; background-color: #FFFFFF; vertical-align: bottom; ">
                            <P style="margin-top: 0.0pt; line-height: 1.2; text-align: center; margin-bottom: 0; "><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>5.00%</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-bottom:  0.50pt solid black; border-top:  0.50pt solid black; background-color: #FFFFFF; ">
                            <P style="text-align: center; margin-top: 0.0pt; line-height: 1.2; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>1.5</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-bottom:  0.50pt solid black; border-top:  0.50pt solid black; background-color: #FFFFFF; vertical-align: middle; ">
                            <P style="text-align: center; margin-top: 0.0pt; line-height: 1.2; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>$10.75 </font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-bottom:  0.50pt solid black; border-top:  0.50pt solid black; background-color: #FFFFFF; vertical-align: middle; ">
                            <P style="text-align: center; margin-top: 0.0pt; line-height: 1.2; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>7.50%</font></FONT></P>
                        </TD>
                        <TD>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-bottom:  0.50pt solid black; border-top:  0.50pt solid black; background-color: #FFFFFF; vertical-align: middle; ">
                            <P style="text-align: center; margin-top: 0.0pt; line-height: 1.2; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>6,120.00</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-bottom:  0.50pt solid black; border-top:  0.50pt solid black; background-color: #FFFFFF; vertical-align: bottom; ">
                            <P style="margin-top: 0.0pt; line-height: 1.2; text-align: center; margin-bottom: 0; "><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>2.00%</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-bottom:  0.50pt solid black; border-top:  0.50pt solid black; background-color: #FFFFFF; ">
                            <P style="text-align: center; margin-top: 0.0pt; line-height: 1.2; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>1.5</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-bottom:  0.50pt solid black; border-top:  0.50pt solid black; background-color: #FFFFFF; vertical-align: middle; ">
                            <P style="text-align: center; margin-top: 0.0pt; line-height: 1.2; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>$10.30 </font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-bottom:  0.50pt solid black; border-top:  0.50pt solid black; background-color: #FFFFFF; vertical-align: middle; ">
                            <P style="text-align: center; margin-top: 0.0pt; line-height: 1.2; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>3.00%</font></FONT></P>
                        </TD>
                        <TD>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-bottom:  0.50pt solid black; border-top:  0.50pt solid black; background-color: #95B3D7; vertical-align: bottom; ">
                            <P style="text-align: center; margin-top: 0.0pt; line-height: 1.2; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>6,000.00</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-bottom:  0.50pt solid black; border-top:  0.50pt solid black; background-color: #95B3D7; vertical-align: bottom; ">
                            <P style="margin-top: 0.0pt; line-height: 1.2; text-align: center; margin-bottom: 0; "><FONT style="font-weight: bold; font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>0.00%</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-bottom:  0.50pt solid black; border-top:  0.50pt solid black; background-color: #95B3D7; ">
                            <P style="text-align: center; margin-top: 0.0pt; line-height: 1.2; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>N/A</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-bottom:  0.50pt solid black; border-top:  0.50pt solid black; background-color: #95B3D7; vertical-align: bottom; ">
                            <P style="text-align: center; margin-top: 0.0pt; line-height: 1.2; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>$10.00</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-bottom:  0.50pt solid black; border-top:  0.50pt solid black; background-color: #95B3D7; vertical-align: bottom; ">
                            <P style="text-align: center; margin-top: 0.0pt; line-height: 1.2; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>0.00%</font></FONT></P>
                        </TD>
                        <TD>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-bottom:  0.50pt solid black; border-top:  0.50pt solid black; vertical-align: middle; ">
                            <P style="text-align: center; margin-top: 0.0pt; line-height: 1.2; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>5,400.00</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-bottom:  0.50pt solid black; border-top:  0.50pt solid black; vertical-align: bottom; ">
                            <P style="margin-top: 0.0pt; line-height: 1.2; text-align: center; margin-bottom: 0; "><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>-10.00%</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-bottom:  0.50pt solid black; border-top:  0.50pt solid black; ">
                            <P style="text-align: center; margin-top: 0.0pt; line-height: 1.2; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>N/A</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-bottom:  0.50pt solid black; border-top:  0.50pt solid black; vertical-align: bottom; ">
                            <P style="text-align: center; margin-top: 0.0pt; line-height: 1.2; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>$10.00</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-bottom:  0.50pt solid black; border-top:  0.50pt solid black; vertical-align: bottom; ">
                            <P style="text-align: center; margin-top: 0.0pt; line-height: 1.2; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>0.00%</font></FONT></P>
                        </TD>
                        <TD>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-bottom:  0.50pt solid black; border-top:  0.50pt solid black; vertical-align: middle; ">
                            <P style="text-align: center; margin-top: 0.0pt; line-height: 1.2; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>4,800.00</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-bottom:  0.50pt solid black; border-top:  0.50pt solid black; vertical-align: bottom; ">
                            <P style="margin-top: 0.0pt; line-height: 1.2; text-align: center; margin-bottom: 0; "><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>-20.00%</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-bottom:  0.50pt solid black; border-top:  0.50pt solid black; ">
                            <P style="text-align: center; margin-top: 0.0pt; line-height: 1.2; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>N/A</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-bottom:  0.50pt solid black; border-top:  0.50pt solid black; vertical-align: bottom; ">
                            <P style="text-align: center; margin-top: 0.0pt; line-height: 1.2; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>$10.00</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-bottom:  0.50pt solid black; border-top:  0.50pt solid black; vertical-align: bottom; ">
                            <P style="text-align: center; margin-top: 0.0pt; line-height: 1.2; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>0.00%</font></FONT></P>
                        </TD>
                        <TD>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-bottom:  0.50pt solid black; border-top:  0.50pt solid black; background-color: #95B3D7; vertical-align: middle; ">
                            <P style="text-align: center; margin-top: 0.0pt; line-height: 1.2; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>4,500.00</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-bottom:  0.50pt solid black; border-top:  0.50pt solid black; background-color: #95B3D7; ">
                            <P style="text-align: center; margin-top: 0.0pt; line-height: 1.2; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>-25.00%</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-bottom:  0.50pt solid black; border-top:  0.50pt solid black; background-color: #95B3D7; ">
                            <P style="text-align: center; margin-top: 0.0pt; line-height: 1.2; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>N/A</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-bottom:  0.50pt solid black; border-top:  0.50pt solid black; background-color: #95B3D7; vertical-align: bottom; ">
                            <P style="text-align: center; margin-top: 0.0pt; line-height: 1.2; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>$10.00</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-bottom:  0.50pt solid black; border-top:  0.50pt solid black; background-color: #95B3D7; vertical-align: bottom; ">
                            <P style="text-align: center; margin-top: 0.0pt; line-height: 1.2; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>0.00%</font></FONT></P>
                        </TD>
                        <TD>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-bottom:  0.50pt solid black; border-top:  0.50pt solid black; vertical-align: middle; ">
                            <P style="text-align: center; margin-top: 0.0pt; line-height: 1.2; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>4,440.00</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-bottom:  0.50pt solid black; border-top:  0.50pt solid black; vertical-align: bottom; ">
                            <P style="margin-top: 0.0pt; line-height: 1.2; text-align: center; margin-bottom: 0; "><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>-26.00%</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-bottom:  0.50pt solid black; border-top:  0.50pt solid black; ">
                            <P style="text-align: center; margin-top: 0.0pt; line-height: 1.2; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>N/A</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-bottom:  0.50pt solid black; border-top:  0.50pt solid black; vertical-align: bottom; ">
                            <P style="text-align: center; margin-top: 0.0pt; line-height: 1.2; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>$7.40</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-bottom:  0.50pt solid black; border-top:  0.50pt solid black; vertical-align: bottom; ">
                            <P style="text-align: center; margin-top: 0.0pt; line-height: 1.2; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>-26.00%</font></FONT></P>
                        </TD>
                        <TD>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-bottom:  0.50pt solid black; border-top:  0.50pt solid black; vertical-align: middle; ">
                            <P style="text-align: center; margin-top: 0.0pt; line-height: 1.2; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>4,200.00</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-bottom:  0.50pt solid black; border-top:  0.50pt solid black; vertical-align: bottom; ">
                            <P style="margin-top: 0.0pt; line-height: 1.2; text-align: center; margin-bottom: 0; "><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>-30.00%</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-bottom:  0.50pt solid black; border-top:  0.50pt solid black; ">
                            <P style="text-align: center; margin-top: 0.0pt; line-height: 1.2; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>N/A</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-bottom:  0.50pt solid black; border-top:  0.50pt solid black; vertical-align: bottom; ">
                            <P style="text-align: center; margin-top: 0.0pt; line-height: 1.2; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>$7.00</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-bottom:  0.50pt solid black; border-top:  0.50pt solid black; vertical-align: bottom; ">
                            <P style="text-align: center; margin-top: 0.0pt; line-height: 1.2; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>-30.00%</font></FONT></P>
                        </TD>
                        <TD>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-bottom:  0.50pt solid black; border-top:  0.50pt solid black; vertical-align: middle; ">
                            <P style="text-align: center; margin-top: 0.0pt; line-height: 1.2; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>3,600.00</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-bottom:  0.50pt solid black; border-top:  0.50pt solid black; vertical-align: bottom; ">
                            <P style="margin-top: 0.0pt; line-height: 1.2; text-align: center; margin-bottom: 0; "><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>-40.00%</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-bottom:  0.50pt solid black; border-top:  0.50pt solid black; ">
                            <P style="text-align: center; margin-top: 0.0pt; line-height: 1.2; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>N/A</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-bottom:  0.50pt solid black; border-top:  0.50pt solid black; vertical-align: bottom; ">
                            <P style="text-align: center; margin-top: 0.0pt; line-height: 1.2; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>$6.00</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-bottom:  0.50pt solid black; border-top:  0.50pt solid black; vertical-align: bottom; ">
                            <P style="text-align: center; margin-top: 0.0pt; line-height: 1.2; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>-40.00%</font></FONT></P>
                        </TD>
                        <TD>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-bottom:  0.50pt solid black; border-top:  0.50pt solid black; vertical-align: middle; ">
                            <P style="text-align: center; margin-top: 0.0pt; line-height: 1.2; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>3,000.00</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-bottom:  0.50pt solid black; border-top:  0.50pt solid black; vertical-align: bottom; ">
                            <P style="margin-top: 0.0pt; line-height: 1.2; text-align: center; margin-bottom: 0; "><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>-50.00%</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-bottom:  0.50pt solid black; border-top:  0.50pt solid black; ">
                            <P style="text-align: center; margin-top: 0.0pt; line-height: 1.2; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>N/A</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-bottom:  0.50pt solid black; border-top:  0.50pt solid black; vertical-align: bottom; ">
                            <P style="text-align: center; margin-top: 0.0pt; line-height: 1.2; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>$5.00</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-bottom:  0.50pt solid black; border-top:  0.50pt solid black; vertical-align: bottom; ">
                            <P style="text-align: center; margin-top: 0.0pt; line-height: 1.2; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>-50.00%</font></FONT></P>
                        </TD>
                        <TD>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-bottom:  0.50pt solid black; border-top:  0.50pt solid black; vertical-align: middle; ">
                            <P style="text-align: center; margin-top: 0.0pt; line-height: 1.2; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>2,400.00</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-bottom:  0.50pt solid black; border-top:  0.50pt solid black; vertical-align: bottom; ">
                            <P style="margin-top: 0.0pt; line-height: 1.2; text-align: center; margin-bottom: 0; "><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>-60.00%</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-bottom:  0.50pt solid black; border-top:  0.50pt solid black; ">
                            <P style="text-align: center; margin-top: 0.0pt; line-height: 1.2; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>N/A</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-bottom:  0.50pt solid black; border-top:  0.50pt solid black; vertical-align: middle; ">
                            <P style="text-align: center; margin-top: 0.0pt; line-height: 1.2; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>$4.00</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-bottom:  0.50pt solid black; border-top:  0.50pt solid black; vertical-align: middle; ">
                            <P style="text-align: center; margin-top: 0.0pt; line-height: 1.2; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>-60.00%</font></FONT></P>
                        </TD>
                        <TD>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-bottom:  0.50pt solid black; border-top:  0.50pt solid black; vertical-align: middle; ">
                            <P style="text-align: center; margin-top: 0.0pt; line-height: 1.2; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>1,800.00</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-bottom:  0.50pt solid black; border-top:  0.50pt solid black; vertical-align: bottom; ">
                            <P style="margin-top: 0.0pt; line-height: 1.2; text-align: center; margin-bottom: 0; "><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>-70.00%</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-bottom:  0.50pt solid black; border-top:  0.50pt solid black; ">
                            <P style="text-align: center; margin-top: 0.0pt; line-height: 1.2; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>N/A</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-bottom:  0.50pt solid black; border-top:  0.50pt solid black; vertical-align: middle; ">
                            <P style="text-align: center; margin-top: 0.0pt; line-height: 1.2; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>$3.00</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-bottom:  0.50pt solid black; border-top:  0.50pt solid black; vertical-align: middle; ">
                            <P style="text-align: center; margin-top: 0.0pt; line-height: 1.2; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>-70.00%</font></FONT></P>
                        </TD>
                        <TD>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-bottom:  0.50pt solid black; border-top:  0.50pt solid black; background-color: #FFFFFF; vertical-align: middle; ">
                            <P style="text-align: center; margin-top: 0.0pt; line-height: 1.2; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>1,200.00</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-bottom:  0.50pt solid black; border-top:  0.50pt solid black; background-color: #FFFFFF; vertical-align: bottom; ">
                            <P style="margin-top: 0.0pt; line-height: 1.2; text-align: center; margin-bottom: 0; "><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>-80.00%</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-bottom:  0.50pt solid black; border-top:  0.50pt solid black; background-color: #FFFFFF; ">
                            <P style="text-align: center; margin-top: 0.0pt; line-height: 1.2; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>N/A</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-bottom:  0.50pt solid black; border-top:  0.50pt solid black; background-color: #FFFFFF; vertical-align: middle; ">
                            <P style="text-align: center; margin-top: 0.0pt; line-height: 1.2; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>$2.00</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-bottom:  0.50pt solid black; border-top:  0.50pt solid black; background-color: #FFFFFF; vertical-align: middle; ">
                            <P style="text-align: center; margin-top: 0.0pt; line-height: 1.2; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>-80.00%</font></FONT></P>
                        </TD>
                        <TD>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-bottom:  0.50pt solid black; border-top:  0.50pt solid black; vertical-align: middle; ">
                            <P style="text-align: center; margin-top: 0.0pt; line-height: 1.2; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>600.00</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-bottom:  0.50pt solid black; border-top:  0.50pt solid black; vertical-align: bottom; ">
                            <P style="margin-top: 0.0pt; line-height: 1.2; text-align: center; margin-bottom: 0; "><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>-90.00%</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-bottom:  0.50pt solid black; border-top:  0.50pt solid black; ">
                            <P style="text-align: center; margin-top: 0.0pt; line-height: 1.2; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>N/A</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-bottom:  0.50pt solid black; border-top:  0.50pt solid black; vertical-align: middle; ">
                            <P style="text-align: center; margin-top: 0.0pt; line-height: 1.2; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>$1.00</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-bottom:  0.50pt solid black; border-top:  0.50pt solid black; vertical-align: middle; ">
                            <P style="text-align: center; margin-top: 0.0pt; line-height: 1.2; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>-90.00%</font></FONT></P>
                        </TD>
                        <TD>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-bottom:  0.50pt solid black; border-top:  0.50pt solid black; vertical-align: middle; ">
                            <P style="text-align: center; margin-top: 0.0pt; line-height: 1.2; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>0.00</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-bottom:  0.50pt solid black; border-top:  0.50pt solid black; vertical-align: bottom; ">
                            <P style="margin-top: 0.0pt; line-height: 1.2; text-align: center; margin-bottom: 0; "><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>-100.00%</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-bottom:  0.50pt solid black; border-top:  0.50pt solid black; ">
                            <P style="text-align: center; margin-top: 0.0pt; line-height: 1.2; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>N/A</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-bottom:  0.50pt solid black; border-top:  0.50pt solid black; vertical-align: middle; ">
                            <P style="text-align: center; margin-top: 0.0pt; line-height: 1.2; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>$0.00</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-bottom:  0.50pt solid black; border-top:  0.50pt solid black; vertical-align: middle; ">
                            <P style="text-align: center; margin-top: 0.0pt; line-height: 1.2; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>-100.00%</font></FONT></P>
                        </TD>
                        <TD>
                        </TD>
                    </TR>
                </TABLE>
                <P style="margin-top: 0.0pt; margin-bottom: 4.4pt; line-height: 13.0pt; "><FONT style="font-family: Arial, sans-serif; color: #231F20; font-size: 6pt; vertical-align: super; "><font style='white-space: pre-wrap;'>*.</font></FONT><FONT style="font-family: Arial, sans-serif; color: #231F20; font-size: 8.0pt; "><font style='white-space: pre-wrap;'> The Underlying excludes cash dividend payments on stocks included in the Underlying. </font></FONT></P>
                <P style="margin-top: 2.2pt; margin-bottom: 6.6pt; line-height: 1.18; "><FONT style="font-family: Arial, sans-serif; color: #231F20; font-size: 8.0pt; "><font style='white-space: pre-wrap;'>(1) This &#8220;Return on Securities&#8221; is the number, expressed as a percentage, that results from comparing the Payment at Maturity per $10 Principal Amount Security to the purchase price of $10 per Security.</font></FONT></P>
            </DIV>
            <DIV style="width: 550.00pt; padding: 0 60.50pt 25.36pt 62.70pt; min-height: 14.25pt; position: relative; ">
                <P style="line-height: 1.2; text-align: right; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 7.0pt; "><FONT>11</FONT></FONT></P>
                <P style="line-height: 1.2; text-align: left; margin-top: 0; margin-bottom: 0; "><FONT style="font-size: 7.0pt; font-family: Arial, sans-serif; ">&nbsp;</FONT></P>
            </DIV>
        </DIV>
        <DIV style="page-break-after: always; border-bottom: 1pt solid black; ">
            <P></P>
        </DIV>
        <DIV style="margin: auto; width: 673.20pt; padding: 36pt 0; ">
            <DIV style="width: 550.00pt; padding: 37.23pt 60.50pt 0 62.70pt; min-height: 22.16pt; position: relative; ">
            </DIV>
            <DIV style="width: 550.00pt; padding: 10pt 60.50pt 10pt 62.70pt; position: relative; margin-bottom: 20pt; ">
                <TABLE width="549.45pt" style="margin-left: 0.0pt; background-color: #DBAA35; width: 549.45pt; table-layout: fixed; border-collapse: collapse; ">
                    <TR>
                        <TD width="549.45pt" style="width: 549.45pt; 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; background-color: #5A6F89; ">
                            <P style="margin-top: 3.3pt; line-height: 1.2; text-indent: 0.0pt; text-align: left; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #FFFFFF; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>What are the tax consequences of the Securities?</font></FONT></P>
                        </TD>
                    </TR>
                </TABLE>
                <P style="text-indent: 0.0pt; margin-top: 0.0pt; margin-bottom: 11.0pt; line-height: 1.2; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Prospective investors should note that the discussion under the section called &#8220;United States Federal Taxation&#8221; in the accompanying prospectus supplement does not apply to the Securities issued under this pricing supplement and is superseded by the following discussion.</font></FONT></P>
                <P style="text-indent: 0.0pt; margin-top: 0.0pt; margin-bottom: 11.0pt; line-height: 1.2; "><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>The following summary is a general discussion of the principal U.S. federal income tax consequences and certain estate tax consequences of the ownership and disposition of the Securities.  This discussion applies only to investors in the Securities who:</font></FONT></P>
                <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; line-height: 1.2; margin-left: 59.40pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; font-size: 8.0pt; ">&#9830;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>purchase the Securities in the original offering; and</font></FONT></FONT></P>
                <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; line-height: 1.2; margin-left: 59.40pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; font-size: 8.0pt; ">&#9830;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>hold the Securities as capital assets within the meaning of Section 1221 of the Internal Revenue Code of 1986, as amended (the &#8220;Code&#8221;).</font></FONT></FONT></P>
                <P style="text-indent: 0.0pt; margin-top: 0.0pt; margin-bottom: 11.0pt; line-height: 1.2; "><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>This discussion does not describe all of the tax consequences that may be relevant to a holder in light of the holder&#8217;s particular circumstances or to holders subject to special rules, such as:</font></FONT></P>
                <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; line-height: 1.2; margin-left: 59.40pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; font-size: 8.0pt; ">&#9830;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>certain financial institutions;</font></FONT></FONT></P>
                <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; line-height: 1.2; margin-left: 59.40pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; font-size: 8.0pt; ">&#9830;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>insurance companies;</font></FONT></FONT></P>
                <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; line-height: 1.2; margin-left: 59.40pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; font-size: 8.0pt; ">&#9830;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>dealers and certain traders in securities or commodities;</font></FONT></FONT></P>
                <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; line-height: 1.2; margin-left: 59.40pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; font-size: 8.0pt; ">&#9830;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>investors holding the Securities as part of a &#8220;straddle,&#8221; wash sale, conversion transaction, integrated transaction or constructive sale transaction;</font></FONT></FONT></P>
                <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; line-height: 1.2; margin-left: 59.40pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; font-size: 8.0pt; ">&#9830;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>U.S. Holders (as defined below) whose functional currency is not the U.S. dollar;</font></FONT></FONT></P>
                <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; line-height: 1.2; margin-left: 59.40pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; font-size: 8.0pt; ">&#9830;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>partnerships or other entities classified as partnerships for U.S. federal income tax purposes;</font></FONT></FONT></P>
                <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; line-height: 1.2; margin-left: 59.40pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; font-size: 8.0pt; ">&#9830;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>regulated investment companies;</font></FONT></FONT></P>
                <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; line-height: 1.2; margin-left: 59.40pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; font-size: 8.0pt; ">&#9830;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>real estate investment trusts; or</font></FONT></FONT></P>
                <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; line-height: 1.2; margin-left: 59.40pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; font-size: 8.0pt; ">&#9830;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>tax-exempt entities, including &#8220;individual retirement accounts&#8221; or &#8220;Roth IRAs&#8221; as defined in Section 408 or 408A of the Code, respectively.</font></FONT></FONT></P>
                <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; line-height: 1.2; text-indent: -19.8pt; padding-left: 59.4pt; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
                <P style="text-indent: 0.0pt; margin-top: 0.0pt; margin-bottom: 11.0pt; line-height: 1.2; "><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>If an entity that is classified as a partnership for U.S. federal income tax purposes holds the Securities, the U.S. federal income tax treatment of a partner will generally depend on the status of the partner and the activities of the partnership. If you are a partnership holding the Securities or a partner in such a partnership, you should consult your tax adviser as to the particular U.S. federal tax consequences of holding and disposing of the Securities to you.</font></FONT></P>
                <P style="text-indent: 0.0pt; margin-top: 0.0pt; margin-bottom: 11.0pt; line-height: 1.2; "><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>In addition, we will not attempt to ascertain whether any issuer of any shares to which a Security relates (such shares hereafter referred to as &#8220;Underlying Shares&#8221;) is treated as a &#8220;passive foreign investment company&#8221; (&#8220;PFIC&#8221;) within the meaning of Section 1297 of the Code or as a &#8220;U.S. real property holding corporation&#8221; (&#8220;USRPHC&#8221;) within the meaning of Section 897 of the Code. If any issuer of Underlying Shares were so treated, certain adverse U.S. federal income tax consequences might apply, to a U.S. Holder in the case of a PFIC and to a Non-U.S. Holder (as defined below) in the case of a USRPHC, upon the sale, exchange or settlement of the Securities. You should refer to information filed with the Securities and Exchange Commission or other governmental authorities by the issuers of the Underlying Shares and consult your tax adviser regarding the possible consequences to you if any issuer is or becomes a PFIC or USRPHC.  </font></FONT></P>
                <P style="text-indent: 0.0pt; margin-top: 0.0pt; margin-bottom: 11.0pt; line-height: 1.2; "><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>As the law applicable to the U.S. federal income taxation of instruments such as the Securities is technical and complex, the discussion below necessarily represents only a general summary.  Moreover, the effect of any applicable state, local or non-U.S. tax laws is not discussed, nor are any alternative minimum tax consequences or consequences resulting from the Medicare tax on investment income.</font></FONT></P>
                <P style="text-indent: 0.0pt; margin-top: 0.0pt; margin-bottom: 11.0pt; line-height: 1.2; "><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>This discussion is based on the Code, administrative pronouncements, judicial decisions and final, temporary and proposed Treasury regulations, all as of the date of this pricing supplement, changes to any of which subsequent to the date hereof may affect the tax consequences described herein.  Persons considering the purchase of the Securities should consult their tax advisers with regard to the application of the U.S. federal income tax laws to their particular situations 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="text-indent: 0.0pt; margin-top: 0.0pt; margin-bottom: 11.0pt; line-height: 1.2; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>General</font></FONT></P>
                <P style="text-indent: 0.0pt; margin-top: 0.0pt; margin-bottom: 11.0pt; line-height: 1.2; "><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Although there is uncertainty regarding the U.S. federal income tax consequences of an investment in the Securities due to the lack of governing authority, in the opinion of our counsel, under current law, and based on current market conditions, each Security should be treated as a single financial contract that is an &#8220;open transaction&#8221; for U.S. federal income tax purposes.</font></FONT></P>
                <P style="text-indent: 0.0pt; margin-top: 0.0pt; margin-bottom: 11.0pt; line-height: 1.2; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Due to the absence of statutory, judicial or administrative authorities that directly address the treatment of the Securities or instruments that are similar to the Securities for U.S. federal income tax purposes, no assurance can be given that the Internal Revenue Service (the &#8220;IRS&#8221;) or a court will agree with the tax treatment described herein.  Accordingly, you should consult your tax adviser regarding all aspects of the U.S. federal tax consequences of an investment in the Securities (including possible alternative treatments of the Securities).  Unless otherwise stated, the following discussion is based on the treatment of the Securities as described in the previous paragraph.</font></FONT></P>
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                <P style="line-height: 1.2; text-align: right; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 7.0pt; "><FONT>12</FONT></FONT></P>
                <P style="line-height: 1.2; text-align: left; margin-top: 0; margin-bottom: 0; "><FONT style="font-size: 7.0pt; font-family: Arial, sans-serif; ">&nbsp;</FONT></P>
            </DIV>
        </DIV>
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            <P></P>
        </DIV>
        <DIV style="margin: auto; width: 673.20pt; padding: 36pt 0; ">
            <DIV style="width: 550.00pt; padding: 37.23pt 60.50pt 0 62.70pt; min-height: 22.16pt; position: relative; ">
            </DIV>
            <DIV style="width: 550.00pt; padding: 10pt 60.50pt 10pt 62.70pt; position: relative; margin-bottom: 20pt; ">
                <P style="text-indent: 0.0pt; margin-top: 0.0pt; margin-bottom: 11.0pt; line-height: 1.2; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Tax Consequences to U.S. Holders</font></FONT></P>
                <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; line-height: 1.2; text-indent: 0.0pt; "><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>This section applies to you only if you are a U.S. Holder.  As used herein, the term &#8220;U.S. Holder&#8221; means a beneficial owner of a Security that is, for U.S. federal income tax purposes:</font></FONT></P>
                <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; line-height: 1.2; text-indent: 0.0pt; "><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
                <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; line-height: 1.2; margin-left: 59.40pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; font-size: 8.0pt; ">&#9830;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>a citizen or individual resident of the United States;</font></FONT></FONT></P>
                <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; line-height: 1.2; margin-left: 59.40pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; font-size: 8.0pt; ">&#9830;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>a corporation, or other entity taxable as a corporation, created or organized in or under the laws of the United States, any state thereof or the District of Columbia; or</font></FONT></FONT></P>
                <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; line-height: 1.2; margin-left: 59.40pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; font-size: 8.0pt; ">&#9830;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>an estate or trust the income of which is subject to U.S. federal income taxation regardless of its source.</font></FONT></FONT></P>
                <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; line-height: 1.2; text-indent: 0.0pt; padding-left: 59.4pt; "><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
                <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; line-height: 1.2; text-indent: 0.0pt; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-style: italic; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Tax Treatment of the Securities</font></FONT></P>
                <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; line-height: 1.2; text-indent: 0.0pt; "><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
                <P style="text-indent: 0.0pt; margin-top: 0.0pt; margin-bottom: 11.0pt; line-height: 1.2; "><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Assuming the treatment of the Securities as set forth above is respected, the following U.S. federal income tax consequences should result.</font></FONT></P>
                <P style="margin-top: 0.0pt; margin-bottom: 11.0pt; line-height: 1.2; text-indent: 19.8pt; "><FONT style="font-family: Arial, sans-serif; font-style: italic; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Tax Treatment Prior to Settlement. </font></FONT><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> A U.S. Holder should not be required to recognize taxable income over the term of the Securities prior to settlement, other than pursuant to a sale or exchange as described below.</font></FONT></P>
                <P style="margin-top: 0.0pt; margin-bottom: 11.0pt; line-height: 1.2; text-indent: 19.8pt; "><FONT style="font-family: Arial, sans-serif; font-style: italic; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Tax Basis</font></FONT><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>.  </font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>A U.S. Holder&#8217;s tax basis in the Securities should equal the amount paid by the U.S. Holder to acquire the Securities.</font></FONT></P>
                <P style="margin-top: 0.0pt; margin-bottom: 11.0pt; line-height: 1.2; text-indent: 19.8pt; "><FONT style="font-family: Arial, sans-serif; font-style: italic; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Sale, Exchange or Settlement of the Securities</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>. Upon a sale, exchange or settlement of the Securities, a U.S. Holder should recognize gain or loss equal to the difference between the amount realized on the sale, exchange or settlement and the U.S. Holder&#8217;s tax basis in the Securities sold, exchanged or settled.  Subject to the discussion above regarding the possible application of Section 1297 of the Code, any gain or loss recognized upon the sale, exchange or settlement of the Securities should be long-term capital gain or loss if the U.S. Holder has held the Securities for more than one year at such time, and short-term capital gain or loss otherwise.</font></FONT></P>
                <P style="text-indent: 0.0pt; margin-top: 0.0pt; margin-bottom: 11.0pt; line-height: 1.2; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-style: italic; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Possible Alternative Tax Treatments of an Investment in the Securities</font></FONT></P>
                <P style="text-indent: 0.0pt; margin-top: 0.0pt; margin-bottom: 11.0pt; line-height: 1.2; "><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Due to the absence of authorities that directly address the proper tax treatment of the Securities, no assurance can be given that the IRS will accept, or that a court will uphold, the treatment described above.  In particular, the IRS could seek to analyze the U.S. federal income tax consequences of owning the Securities under Treasury regulations governing contingent payment debt instruments (the &#8220;Contingent Debt Regulations&#8221;). If the IRS were successful in asserting that the Contingent Debt Regulations applied to the Securities, the timing and character of income thereon would be significantly affected. Among other things, a U.S. Holder 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 their issuance, adjusted upward or downward to reflect the difference, if any, between the actual and the projected amount of the contingent payment on the Securities. Furthermore, any gain realized by a U.S. Holder at maturity or upon a sale, exchange or other disposition of the Securities would generally be treated as ordinary income, and any loss realized would be treated as ordinary loss to the extent of the U.S. Holder&#8217;s prior accruals of original issue discount and as capital loss thereafter.  The risk that financial instruments providing for buffers, triggers or similar downside protection features, such as the Securities, would be recharacterized as debt is greater than the risk of recharacterization for comparable financial instruments that do not have such features. </font></FONT></P>
                <P style="text-indent: 0.0pt; margin-top: 0.0pt; margin-bottom: 11.0pt; line-height: 1.2; "><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Other alternative federal income tax treatments of the Securities are also possible, which, if applied, could significantly affect the timing and character of the income or loss with respect to the Securities.  In 2007, the U.S. Treasury Department and the IRS released a notice requesting comments on the U.S. federal income tax treatment of &#8220;prepaid forward contracts&#8221; and similar instruments.  The notice focuses in particular on whether to require holders of these instruments to accrue income over the term of their investment.  It also asks for comments on a number of related topics, including the character of income or loss with respect to these instruments; whether short-term instruments should be subject to any such accrual regime; the relevance of factors such as the exchange-traded status of the instruments and the nature of the underlying property to which the instruments are linked; and whether these instruments are or should be subject to the &#8220;constructive ownership&#8221; rule, which very generally can operate to recharacterize certain long-term capital gain as ordinary income and impose an interest charge.  While the notice requests comments on appropriate transition rules and effective dates, any 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.  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 and the issues presented by this notice.</font></FONT></P>
                <P style="text-indent: 0.0pt; margin-top: 0.0pt; margin-bottom: 11.0pt; line-height: 1.2; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-style: italic; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Backup Withholding and Information Reporting</font></FONT></P>
                <P style="text-indent: 0.0pt; margin-top: 0.0pt; margin-bottom: 11.0pt; line-height: 1.2; "><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
                <P style="text-indent: 0.0pt; margin-top: 0.0pt; margin-bottom: 11.0pt; line-height: 1.2; "><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
                <P style="text-indent: 0.0pt; margin-top: 0.0pt; margin-bottom: 11.0pt; line-height: 1.2; "><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Backup withholding may apply in respect of the payment on the Securities at maturity and the payment of proceeds from a sale, exchange or other disposition of the Securities, unless a U.S. Holder provides proof of an applicable exemption or a correct taxpayer identification number and otherwise complies with applicable requirements of the backup withholding rules.  The amounts withheld under the backup withholding rules are not an additional tax and may be refunded, or credited against the U.S. Holder&#8217;s U.S. federal income tax liability, provided that the required information is timely furnished to the IRS.  In addition, </font></FONT></P>
            </DIV>
            <DIV style="width: 550.00pt; padding: 0 60.50pt 25.36pt 62.70pt; min-height: 14.25pt; position: relative; ">
                <P style="line-height: 1.2; text-align: right; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 7.0pt; "><FONT>13</FONT></FONT></P>
                <P style="line-height: 1.2; text-align: left; margin-top: 0; margin-bottom: 0; "><FONT style="font-size: 7.0pt; font-family: Arial, sans-serif; ">&nbsp;</FONT></P>
            </DIV>
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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: 550.00pt; padding: 37.23pt 60.50pt 0 62.70pt; min-height: 22.16pt; position: relative; ">
            </DIV>
            <DIV style="width: 550.00pt; padding: 10pt 60.50pt 10pt 62.70pt; position: relative; margin-bottom: 20pt; ">
                <P style="margin-top: 0.0pt; margin-bottom: 11.0pt; line-height: 1.2; "><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>information returns may be filed with the IRS in connection with the payment on the Securities and the payment of proceeds from a sale, exchange or other disposition of the Securities, unless the U.S. Holder provides proof of an applicable exemption from the information reporting rules.</font></FONT></P>
                <P style="text-indent: 0.0pt; margin-top: 0.0pt; margin-bottom: 11.0pt; line-height: 1.2; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Tax Consequences to Non-U.S. Holders</font></FONT></P>
                <P style="text-indent: 0.0pt; margin-top: 0.0pt; margin-bottom: 11.0pt; line-height: 1.2; "><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>This section applies to you only if you are a Non-U.S. Holder.  As used herein, the term &#8220;Non-U.S. Holder&#8221; means a beneficial owner of a Security that is, for U.S. federal income tax purposes:</font></FONT></P>
                <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; line-height: 1.2; margin-left: 59.40pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; font-size: 8.0pt; ">&#9830;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>an individual who is classified as a nonresident alien;</font></FONT></FONT></P>
                <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; line-height: 1.2; margin-left: 59.40pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; font-size: 8.0pt; ">&#9830;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>a foreign corporation; or</font></FONT></FONT></P>
                <P style="margin-top: 0.0pt; margin-bottom: 11.0pt; line-height: 1.2; margin-left: 59.40pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; font-size: 8.0pt; color: #000000; ">&#9830;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>a foreign estate or trust.</font></FONT></FONT></P>
                <P style="text-indent: 0.0pt; margin-top: 0.0pt; margin-bottom: 11.0pt; line-height: 1.2; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>The term &#8220;Non-U.S. Holder&#8221; does not include any of the following holders:</font></FONT></P>
                <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; line-height: 1.2; margin-left: 59.40pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; font-size: 8.0pt; ">&#9830;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>a holder who is an individual present in the United States for 183 days or more in the taxable year of disposition and who is not otherwise a resident of the United States for U.S. federal income tax purposes;</font></FONT></FONT></P>
                <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; line-height: 1.2; margin-left: 59.40pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; font-size: 8.0pt; ">&#9830;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>certain former citizens or residents of the United States; or</font></FONT></FONT></P>
                <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; line-height: 1.2; margin-left: 59.40pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; font-size: 8.0pt; ">&#9830;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>a holder for whom income or gain in respect of the Securities is effectively connected with the conduct of a trade or business in the United States. </font></FONT></FONT></P>
                <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; line-height: 1.2; text-indent: 0.0pt; padding-left: 59.4pt; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
                <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; line-height: 1.2; text-indent: 0.0pt; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Such holders should consult their tax advisers regarding the U.S. federal income tax consequences of an investment in the Securities.</font></FONT></P>
                <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; line-height: 1.2; text-indent: 0.0pt; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
                <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; line-height: 1.2; text-indent: 0.0pt; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-style: italic; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Tax Treatment upon Sale, Exchange or Settlement of the Securities </font></FONT></P>
                <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; line-height: 1.2; text-indent: 0.0pt; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
                <P style="margin-top: 0.0pt; margin-bottom: 11.0pt; line-height: 1.2; text-indent: 19.8pt; "><FONT style="font-family: Arial, sans-serif; font-style: italic; color: #000000; font-size: 9.0pt; background-color: #FFFFFF; "><font style='white-space: pre-wrap;'>In general.  </font></FONT><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Assuming the treatment of the Securities as set forth above is respected, and subject to the discussions below concerning backup withholding and the possible application of Section 871(m) of the Code and the discussion above concerning the possible application of Section 897 of the Code, a Non-U.S. Holder of the Securities generally will not be subject to U.S. federal income or withholding tax in respect of amounts paid to the Non-U.S. Holder.</font></FONT></P>
                <P style="margin-top: 0.0pt; margin-bottom: 11.0pt; line-height: 1.2; text-indent: 19.8pt; "><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Subject to the discussions regarding the possible application of Sections 871(m) and 897 of the Code and FATCA, if all or any portion of a Security were recharacterized as a debt instrument, any payment made to a Non-U.S. Holder with respect to the Securities would not be subject to U.S. federal withholding tax, provided that:</font></FONT></P>
                <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; line-height: 1.2; margin-left: 59.40pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; font-size: 8.0pt; color: #000000; ">&#9830;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>the Non-U.S. Holder does not own, directly or by attribution, ten percent or more of the total combined voting power of all classes of Morgan Stanley stock entitled to vote;</font></FONT></FONT></P>
                <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; line-height: 1.2; margin-left: 59.40pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; font-size: 8.0pt; color: #000000; ">&#9830;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>the Non-U.S. Holder is not a controlled foreign corporation related, directly or indirectly, to Morgan Stanley through stock ownership;</font></FONT></FONT></P>
                <P style="margin-top: 0.0pt; margin-bottom: 0.0pt; line-height: 1.2; margin-left: 59.40pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; font-size: 8.0pt; color: #000000; ">&#9830;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>the Non-U.S. Holder is not a bank receiving interest under Section 881(c)(3)(A) of the Code, and</font></FONT></FONT></P>
                <P style="margin-top: 0.0pt; margin-bottom: 11.0pt; line-height: 1.2; margin-left: 59.40pt; text-indent: -19.80pt; "><!--[if IE]<FONT style="display: inline-block; width: 19.80pt; text-indent: -19.80pt; "><![endif]--><FONT style="display: inline-block; width: 19.80pt; text-indent: 0; text-align: left; font-size: 8.0pt; color: #000000; ">&#9830;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>the certification requirement described below has been fulfilled with respect to the beneficial owner.</font></FONT></FONT></P>
                <P style="margin-top: 0.0pt; margin-bottom: 11.0pt; line-height: 1.2; text-indent: 19.8pt; "><FONT style="font-family: Arial, sans-serif; font-style: italic; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Certification Requirement. </font></FONT><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> The certification requirement referred to in the preceding paragraph will be fulfilled if the beneficial owner of a Security (or a financial institution holding a Security on behalf of the beneficial owner) furnishes to the applicable withholding agent an IRS Form W-8BEN (or other appropriate form) on which the beneficial owner certifies under penalties of perjury that it is not a U.S. person.</font></FONT></P>
                <P style="text-indent: 0.0pt; margin-top: 0.0pt; margin-bottom: 11.0pt; line-height: 1.2; "><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>In 2007, the U.S. Treasury Department and the IRS released a notice requesting comments on the U.S. federal income tax treatment of &#8220;prepaid forward contracts&#8221; and similar instruments.  Among the issues addressed in the notice is the degree, if any, to which any income with respect to instruments such as the Securities should be subject to U.S. withholding tax.  It is possible that any Treasury regulations or other guidance promulgated after consideration of this issue could materially and adversely affect the withholding tax consequences of ownership and disposition of the Securities, possibly on a retroactive basis.  Non-U.S. Holders should note that we currently do not intend to withhold on any payment made with respect to the Securities to Non-U.S. Holders (subject to compliance by such holders with the certification requirement described above and to the discussions regarding Sections 871(m) and 897 of the Code and FATCA).  However, in the event of a change of law or any formal or informal guidance by the IRS, the U.S. Treasury Department or Congress, we may decide to withhold on payments made with respect to the Securities to Non-U.S. Holders, and we will not be required to pay any additional amounts with respect to amounts withheld.  Accordingly, Non-U.S. Holders should consult their tax advisers regarding all aspects of the U.S. federal income tax consequences of an investment in the Securities, including the possible implications of the notice referred to above.</font></FONT></P>
                <P style="text-indent: 0.0pt; margin-top: 0.0pt; margin-bottom: 11.0pt; line-height: 1.2; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-style: italic; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Section 871(m) Withholding Tax on Dividend Equivalents</font></FONT></P>
                <P style="text-indent: 0.0pt; margin-top: 0.0pt; margin-bottom: 11.0pt; line-height: 1.2; "><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Section 871(m) of the Code and Treasury regulations promulgated thereunder (&#8220;Section 871(m)&#8221;) generally impose a 30% (or a lower applicable treaty rate) withholding tax on dividend equivalents paid or deemed paid to Non-U.S. Holders with respect to certain financial instruments linked to U.S. equities or indices that include U.S. equities (each, an &#8220;Underlying Security&#8221;).  Subject to certain exceptions, Section 871(m) generally applies to securities that substantially replicate the economic performance of one </font></FONT></P>
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                <P style="line-height: 1.2; text-align: right; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 7.0pt; "><FONT>14</FONT></FONT></P>
                <P style="line-height: 1.2; text-align: left; margin-top: 0; margin-bottom: 0; "><FONT style="font-size: 7.0pt; font-family: Arial, sans-serif; ">&nbsp;</FONT></P>
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        <DIV style="margin: auto; width: 673.20pt; padding: 36pt 0; ">
            <DIV style="width: 550.00pt; padding: 37.23pt 60.50pt 0 62.70pt; min-height: 22.16pt; position: relative; ">
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                <P style="margin-top: 0.0pt; margin-bottom: 11.0pt; line-height: 1.2; "><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>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 our determination 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="text-indent: 0.0pt; margin-top: 0.0pt; margin-bottom: 11.0pt; line-height: 1.2; "><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Our determination is not binding on the IRS, and the IRS may disagree with this determination.  Section 871(m) is complex and its application may depend on your particular circumstances, including whether you enter into other transactions with respect to an Underlying Security.  If withholding is required, we will not be required to pay any additional amounts with respect to the amounts so withheld.  You should consult your tax adviser regarding the potential application of Section 871(m) to the Securities.</font></FONT></P>
                <P style="text-indent: 0.0pt; margin-top: 0.0pt; margin-bottom: 11.0pt; line-height: 1.2; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-style: italic; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>U.S. Federal Estate Tax</font></FONT><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> </font></FONT></P>
                <P style="text-indent: 0.0pt; margin-top: 0.0pt; margin-bottom: 11.0pt; line-height: 1.2; "><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Individual Non-U.S. Holders and entities the property of which is potentially includible in such an individual&#8217;s gross estate for U.S. federal estate tax purposes (for example, a trust funded by such an individual and with respect to which the individual has retained certain interests or powers), should note that, absent an applicable treaty exemption, the Securities may be treated as U.S. situs property subject to U.S. federal estate tax.  Prospective investors that are non-U.S. individuals, or are entities of the type described above, should consult their tax advisers regarding the U.S. federal estate tax consequences of an investment in the Securities.</font></FONT></P>
                <P style="text-indent: 0.0pt; margin-top: 0.0pt; margin-bottom: 11.0pt; line-height: 1.2; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-style: italic; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Backup Withholding and Information Reporting</font></FONT></P>
                <P style="text-indent: 0.0pt; margin-top: 0.0pt; margin-bottom: 11.0pt; line-height: 1.2; "><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Information returns may be filed with the IRS in connection with the payment on the Securities at maturity as well as in connection with the payment of proceeds from a sale, exchange or other disposition of the Securities.  A Non-U.S. Holder may be subject to backup withholding in respect of amounts paid to the Non-U.S. Holder, unless such Non-U.S. Holder complies with certification procedures to establish that it is not a U.S. person for U.S. federal income tax purposes or otherwise establishes an exemption.  Compliance with the certification procedures described above under &#8220;&#8213;Tax Treatment upon Sale, Exchange or Settlement of the Securities &#8211; Certification Requirement&#8221; will satisfy the certification requirements necessary to avoid backup withholding as well.  The amount of any backup withholding from a payment to a Non-U.S. Holder will be allowed as a credit against the Non-U.S. Holder&#8217;s U.S. federal income tax liability and may entitle the Non-U.S. Holder to a refund, provided that the required information is timely furnished to the IRS.</font></FONT></P>
                <P style="text-indent: 0.0pt; margin-top: 0.0pt; margin-bottom: 11.0pt; line-height: 1.2; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>FATCA</font></FONT></P>
                <P style="text-indent: 0.0pt; margin-top: 0.0pt; margin-bottom: 11.0pt; line-height: 1.2; "><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Legislation commonly referred to as &#8220;FATCA&#8221; generally imposes a withholding tax of 30% on payments to certain non-U.S. entities (including financial intermediaries) with respect to certain financial instruments, unless various U.S. information reporting and due diligence requirements have been satisfied.  An intergovernmental agreement between the United States and the non-U.S. entity&#8217;s jurisdiction may modify these requirements.  FATCA generally applies to certain financial instruments that are treated as paying U.S.-source interest or other U.S.-source &#8220;fixed or determinable annual or periodical&#8221; income (&#8220;FDAP income&#8221;).  If the Securities were recharacterized as debt instruments, FATCA would apply to any payment of amounts treated as interest and to payments of gross proceeds of the disposition (including upon retirement) of the Securities.  However, under proposed regulations (the preamble to which specifies that taxpayers are permitted to rely on them pending finalization), no withholding will apply on payments of gross proceeds (other than amounts treated as FDAP income).  If withholding were to apply to the Securities, we would not be required to pay any additional amounts with respect to amounts withheld.  Both U.S. and Non-U.S. Holders should consult their tax advisers regarding the potential application of FATCA to the Securities.</font></FONT></P>
                <P style="text-indent: 0.0pt; margin-top: 0.0pt; margin-bottom: 11.0pt; line-height: 1.2; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>The discussion in the preceding paragraphs under &#8220;What Are the Tax Consequences of the Securities,&#8221; insofar as it purports to describe provisions of U.S. federal income tax laws or legal conclusions with respect thereto, constitutes the full opinion of Davis Polk &amp; Wardwell LLP regarding the material U.S. federal income tax consequences of an investment in the Securities.</font></FONT></P>
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                            <P style="margin-top: 4.4pt; margin-bottom: 4.4pt; line-height: 1.2; "><FONT style="color: #FFFFFF; font-size: 9.0pt; font-weight: bold; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>S&amp;P 500</font></FONT><FONT style="color: #FFFFFF; font-size: 7pt; vertical-align: super; font-weight: bold; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="color: #FFFFFF; font-size: 9.0pt; font-weight: bold; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'> Index</font></FONT></P>
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                            <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 1.2; "><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>The S&amp;P 500</font></FONT><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 7pt; vertical-align: super; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> Index, which is calculated, maintained and published by S&amp;P</font></FONT><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 7pt; vertical-align: super; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> Dow Jones Indices LLC (&#8220;S&amp;P</font></FONT><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 7pt; vertical-align: super; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>&#8221;), is intended to provide a benchmark for performance measurement of the large capitalization segment of the U.S. equity markets by tracking the stock price movement of 500 companies with large market capitalizations. Component stocks of the S&amp;P 500</font></FONT><FONT style="font-family: Arial, sans-serif; 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 are required to have a total company level market capitalization that reflects approximately the 85</font></FONT><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 7pt; vertical-align: super; "><font style='white-space: pre-wrap;'>th</font></FONT><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> percentile of the S&amp;P</font></FONT><FONT style="font-family: Arial, sans-serif; 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;'> Total Market Index. The S&amp;P 500</font></FONT><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 7pt; vertical-align: super; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> Index measures the relative performance of the common stocks of 500 companies as of a particular time as compared to the performance of the common stocks of 500 similar companies during the base period of the years 1941 through 1943. For additional information about the S&amp;P 500</font></FONT><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 7pt; vertical-align: super; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> Index, see the information set forth under &#8220;S&amp;P</font></FONT><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 7pt; vertical-align: super; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> U.S. Indices&#8212;S&amp;P 500</font></FONT><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 7pt; vertical-align: super; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> Index&#8221; in the accompanying index supplement.</font></FONT></P>
                            <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 1.2; "><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>&#8220;Standard &amp; Poor&#8217;s</font></FONT><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 7pt; vertical-align: super; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>,&#8221; &#8220;S&amp;P</font></FONT><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 7pt; vertical-align: super; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>,&#8221; &#8220;S&amp;P 500</font></FONT><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 7pt; vertical-align: super; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>,&#8221; &#8220;Standard &amp; Poor&#8217;s 500&#8221; and &#8220;500&#8221; are trademarks of Standard and Poor&#8217;s Financial Services LLC.  For more information, see &#8220;S&amp;P</font></FONT><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 7pt; vertical-align: super; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> U.S. Indices&#8221; in the accompanying index supplement.</font></FONT></P>
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                            <P style="margin-top: 4.4pt; margin-bottom: 4.4pt; line-height: 1.2; "><FONT style="color: #FFFFFF; font-size: 9.0pt; font-weight: bold; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>Historical Information</font></FONT></P>
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                <P style="margin-top: 6.6pt; line-height: 1.2; margin-bottom: 0; "><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>The following table sets forth the published high and low Closing Levels, as well as the end-of-quarter Closing Levels, of the S&amp;P 500</font></FONT><FONT style="font-size: 7pt; vertical-align: super; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'> Index for each quarter in the period from January 1, 2020 through November 13, 2025.  The Closing Level of the S&amp;P 500</font></FONT><FONT style="font-size: 7pt; vertical-align: super; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'> Index on November 13, 2025 was 6,737.49.  We obtained the information in the table below from Bloomberg Financial Markets, without independent verification.  The historical Closing Levels of the S&amp;P 500</font></FONT><FONT style="font-size: 7pt; vertical-align: super; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'> Index should not be taken as an indication of future performance, and no assurance can be given as to the level of the S&amp;P 500</font></FONT><FONT style="font-size: 7pt; vertical-align: super; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'> Index on the Final Valuation Date.</font></FONT></P>
                <P style="margin-top: 0.0pt; line-height: 1.2; text-indent: 19.8pt; text-align: justify; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
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                    <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: bottom; ">
                            <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 13.0pt; text-align: center; "><FONT style="font-weight: bold; color: #000000; font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>Quarter Begin</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; vertical-align: bottom; ">
                            <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 13.0pt; text-align: center; "><FONT style="font-weight: bold; color: #000000; font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>Quarter End</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; vertical-align: bottom; ">
                            <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 13.0pt; text-align: center; "><FONT style="font-weight: bold; color: #000000; font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>Quarterly High</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; vertical-align: bottom; ">
                            <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 13.0pt; text-align: center; "><FONT style="font-weight: bold; color: #000000; font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>Quarterly Low</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; vertical-align: bottom; ">
                            <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 13.0pt; text-align: center; "><FONT style="font-weight: bold; color: #000000; font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>Quarterly Close</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; border-bottom:  0.50pt solid black; border-top:  0.50pt solid black; vertical-align: bottom; ">
                            <P style="margin-top: 0.0pt; line-height: 1.2; text-align: center; margin-bottom: 0; "><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>1/1/2020</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-bottom:  0.50pt solid black; border-top:  0.50pt solid black; vertical-align: bottom; ">
                            <P style="margin-top: 0.0pt; line-height: 1.2; text-align: center; margin-bottom: 0; "><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>3/31/2020</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-bottom:  0.50pt solid black; border-top:  0.50pt solid black; vertical-align: bottom; ">
                            <P style="margin-top: 0.0pt; line-height: 1.2; text-align: center; margin-bottom: 0; "><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>3,386.15</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-bottom:  0.50pt solid black; border-top:  0.50pt solid black; vertical-align: bottom; ">
                            <P style="margin-top: 0.0pt; line-height: 1.2; text-align: center; margin-bottom: 0; "><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>2,237.40</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-bottom:  0.50pt solid black; border-top:  0.50pt solid black; vertical-align: bottom; ">
                            <P style="margin-top: 0.0pt; line-height: 1.2; text-align: center; margin-bottom: 0; "><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>2,584.59</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; border-bottom:  0.50pt solid black; border-top:  0.50pt solid black; vertical-align: bottom; ">
                            <P style="margin-top: 0.0pt; line-height: 1.2; text-align: center; margin-bottom: 0; "><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>4/1/2020</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-bottom:  0.50pt solid black; border-top:  0.50pt solid black; vertical-align: bottom; ">
                            <P style="margin-top: 0.0pt; line-height: 1.2; text-align: center; margin-bottom: 0; "><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>6/30/2020</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-bottom:  0.50pt solid black; border-top:  0.50pt solid black; vertical-align: bottom; ">
                            <P style="margin-top: 0.0pt; line-height: 1.2; text-align: center; margin-bottom: 0; "><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>3,232.39</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-bottom:  0.50pt solid black; border-top:  0.50pt solid black; vertical-align: bottom; ">
                            <P style="margin-top: 0.0pt; line-height: 1.2; text-align: center; margin-bottom: 0; "><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>2,470.50</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-bottom:  0.50pt solid black; border-top:  0.50pt solid black; vertical-align: bottom; ">
                            <P style="margin-top: 0.0pt; line-height: 1.2; text-align: center; margin-bottom: 0; "><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>3,100.29</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; border-bottom:  0.50pt solid black; border-top:  0.50pt solid black; vertical-align: bottom; ">
                            <P style="margin-top: 0.0pt; line-height: 1.2; text-align: center; margin-bottom: 0; "><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>7/1/2020</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-bottom:  0.50pt solid black; border-top:  0.50pt solid black; vertical-align: bottom; ">
                            <P style="margin-top: 0.0pt; line-height: 1.2; text-align: center; margin-bottom: 0; "><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>9/30/2020</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-bottom:  0.50pt solid black; border-top:  0.50pt solid black; vertical-align: bottom; ">
                            <P style="margin-top: 0.0pt; line-height: 1.2; text-align: center; margin-bottom: 0; "><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>3,580.84</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-bottom:  0.50pt solid black; border-top:  0.50pt solid black; vertical-align: bottom; ">
                            <P style="margin-top: 0.0pt; line-height: 1.2; text-align: center; margin-bottom: 0; "><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>3,115.86</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-bottom:  0.50pt solid black; border-top:  0.50pt solid black; vertical-align: bottom; ">
                            <P style="margin-top: 0.0pt; line-height: 1.2; text-align: center; margin-bottom: 0; "><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>3,363.00</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; border-bottom:  0.50pt solid black; border-top:  0.50pt solid black; vertical-align: bottom; ">
                            <P style="margin-top: 0.0pt; line-height: 1.2; text-align: center; margin-bottom: 0; "><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>10/1/2020</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-bottom:  0.50pt solid black; border-top:  0.50pt solid black; vertical-align: bottom; ">
                            <P style="margin-top: 0.0pt; line-height: 1.2; text-align: center; margin-bottom: 0; "><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>12/31/2020</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-bottom:  0.50pt solid black; border-top:  0.50pt solid black; vertical-align: bottom; ">
                            <P style="margin-top: 0.0pt; line-height: 1.2; text-align: center; margin-bottom: 0; "><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>3,756.07</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-bottom:  0.50pt solid black; border-top:  0.50pt solid black; vertical-align: bottom; ">
                            <P style="margin-top: 0.0pt; line-height: 1.2; text-align: center; margin-bottom: 0; "><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>3,269.96</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-bottom:  0.50pt solid black; border-top:  0.50pt solid black; vertical-align: bottom; ">
                            <P style="margin-top: 0.0pt; line-height: 1.2; text-align: center; margin-bottom: 0; "><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>3,756.07</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; border-bottom:  0.50pt solid black; border-top:  0.50pt solid black; vertical-align: bottom; ">
                            <P style="margin-top: 0.0pt; line-height: 1.2; text-align: center; margin-bottom: 0; "><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>1/1/2021</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-bottom:  0.50pt solid black; border-top:  0.50pt solid black; vertical-align: bottom; ">
                            <P style="margin-top: 0.0pt; line-height: 1.2; text-align: center; margin-bottom: 0; "><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>3/31/2021</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-bottom:  0.50pt solid black; border-top:  0.50pt solid black; vertical-align: bottom; ">
                            <P style="margin-top: 0.0pt; line-height: 1.2; text-align: center; margin-bottom: 0; "><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>3,974.54</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-bottom:  0.50pt solid black; border-top:  0.50pt solid black; vertical-align: bottom; ">
                            <P style="margin-top: 0.0pt; line-height: 1.2; text-align: center; margin-bottom: 0; "><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>3,700.65</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-bottom:  0.50pt solid black; border-top:  0.50pt solid black; vertical-align: bottom; ">
                            <P style="margin-top: 0.0pt; line-height: 1.2; text-align: center; margin-bottom: 0; "><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>3,972.89</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; border-bottom:  0.50pt solid black; border-top:  0.50pt solid black; vertical-align: bottom; ">
                            <P style="margin-top: 0.0pt; line-height: 1.2; text-align: center; margin-bottom: 0; "><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>4/1/2021</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-bottom:  0.50pt solid black; border-top:  0.50pt solid black; vertical-align: bottom; ">
                            <P style="margin-top: 0.0pt; line-height: 1.2; text-align: center; margin-bottom: 0; "><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>6/30/2021</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-bottom:  0.50pt solid black; border-top:  0.50pt solid black; vertical-align: bottom; ">
                            <P style="margin-top: 0.0pt; line-height: 1.2; text-align: center; margin-bottom: 0; "><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>4,297.50</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-bottom:  0.50pt solid black; border-top:  0.50pt solid black; vertical-align: bottom; ">
                            <P style="margin-top: 0.0pt; line-height: 1.2; text-align: center; margin-bottom: 0; "><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>4,019.87</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-bottom:  0.50pt solid black; border-top:  0.50pt solid black; vertical-align: bottom; ">
                            <P style="margin-top: 0.0pt; line-height: 1.2; text-align: center; margin-bottom: 0; "><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>4,297.50</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-bottom:  0.50pt solid black; border-top:  0.50pt solid black; vertical-align: bottom; ">
                            <P style="margin-top: 0.0pt; line-height: 1.2; text-align: center; margin-bottom: 0; "><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>7/1/2021</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-bottom:  0.50pt solid black; border-top:  0.50pt solid black; vertical-align: bottom; ">
                            <P style="margin-top: 0.0pt; line-height: 1.2; text-align: center; margin-bottom: 0; "><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>9/30/2021</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-bottom:  0.50pt solid black; border-top:  0.50pt solid black; vertical-align: bottom; ">
                            <P style="margin-top: 0.0pt; line-height: 1.2; text-align: center; margin-bottom: 0; "><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>4,536.95</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-bottom:  0.50pt solid black; border-top:  0.50pt solid black; vertical-align: bottom; ">
                            <P style="margin-top: 0.0pt; line-height: 1.2; text-align: center; margin-bottom: 0; "><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>4,258.49</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-bottom:  0.50pt solid black; border-top:  0.50pt solid black; vertical-align: bottom; ">
                            <P style="margin-top: 0.0pt; line-height: 1.2; text-align: center; margin-bottom: 0; "><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>4,307.54</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; border-bottom:  0.50pt solid black; border-top:  0.50pt solid black; vertical-align: bottom; ">
                            <P style="margin-top: 0.0pt; line-height: 1.2; text-align: center; margin-bottom: 0; "><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>10/1/2021</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-bottom:  0.50pt solid black; border-top:  0.50pt solid black; vertical-align: bottom; ">
                            <P style="margin-top: 0.0pt; line-height: 1.2; text-align: center; margin-bottom: 0; "><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>12/31/2021</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-bottom:  0.50pt solid black; border-top:  0.50pt solid black; vertical-align: bottom; ">
                            <P style="margin-top: 0.0pt; line-height: 1.2; text-align: center; margin-bottom: 0; "><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>4,793.06</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-bottom:  0.50pt solid black; border-top:  0.50pt solid black; vertical-align: bottom; ">
                            <P style="margin-top: 0.0pt; line-height: 1.2; text-align: center; margin-bottom: 0; "><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>4,300.46</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-bottom:  0.50pt solid black; border-top:  0.50pt solid black; vertical-align: bottom; ">
                            <P style="margin-top: 0.0pt; line-height: 1.2; text-align: center; margin-bottom: 0; "><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>4,766.18</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; border-bottom:  0.50pt solid black; border-top:  0.50pt solid black; vertical-align: bottom; ">
                            <P style="margin-top: 0.0pt; line-height: 1.2; text-align: center; margin-bottom: 0; "><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>1/1/2022</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-bottom:  0.50pt solid black; border-top:  0.50pt solid black; vertical-align: bottom; ">
                            <P style="margin-top: 0.0pt; line-height: 1.2; text-align: center; margin-bottom: 0; "><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>3/31/2022</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-bottom:  0.50pt solid black; border-top:  0.50pt solid black; vertical-align: bottom; ">
                            <P style="margin-top: 0.0pt; line-height: 1.2; text-align: center; margin-bottom: 0; "><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>4,796.56</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-bottom:  0.50pt solid black; border-top:  0.50pt solid black; vertical-align: bottom; ">
                            <P style="margin-top: 0.0pt; line-height: 1.2; text-align: center; margin-bottom: 0; "><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>4,170.70</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-bottom:  0.50pt solid black; border-top:  0.50pt solid black; vertical-align: bottom; ">
                            <P style="margin-top: 0.0pt; line-height: 1.2; text-align: center; margin-bottom: 0; "><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>4,530.41</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; border-bottom:  0.50pt solid black; border-top:  0.50pt solid black; vertical-align: bottom; ">
                            <P style="margin-top: 0.0pt; line-height: 1.2; text-align: center; margin-bottom: 0; "><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>4/1/2022</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-bottom:  0.50pt solid black; border-top:  0.50pt solid black; vertical-align: bottom; ">
                            <P style="margin-top: 0.0pt; line-height: 1.2; text-align: center; margin-bottom: 0; "><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>6/30/2022</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-bottom:  0.50pt solid black; border-top:  0.50pt solid black; vertical-align: bottom; ">
                            <P style="margin-top: 0.0pt; line-height: 1.2; text-align: center; margin-bottom: 0; "><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>4,582.64</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-bottom:  0.50pt solid black; border-top:  0.50pt solid black; vertical-align: bottom; ">
                            <P style="margin-top: 0.0pt; line-height: 1.2; text-align: center; margin-bottom: 0; "><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>3,666.77</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-bottom:  0.50pt solid black; border-top:  0.50pt solid black; vertical-align: bottom; ">
                            <P style="margin-top: 0.0pt; line-height: 1.2; text-align: center; margin-bottom: 0; "><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>3,785.38</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; border-bottom:  0.50pt solid black; border-top:  0.50pt solid black; vertical-align: bottom; ">
                            <P style="margin-top: 0.0pt; line-height: 1.2; text-align: center; margin-bottom: 0; "><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>7/1/2022</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-bottom:  0.50pt solid black; border-top:  0.50pt solid black; vertical-align: bottom; ">
                            <P style="margin-top: 0.0pt; line-height: 1.2; text-align: center; margin-bottom: 0; "><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>9/30/2022</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-bottom:  0.50pt solid black; border-top:  0.50pt solid black; vertical-align: bottom; ">
                            <P style="margin-top: 0.0pt; line-height: 1.2; text-align: center; margin-bottom: 0; "><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>4,305.20</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-bottom:  0.50pt solid black; border-top:  0.50pt solid black; vertical-align: bottom; ">
                            <P style="margin-top: 0.0pt; line-height: 1.2; text-align: center; margin-bottom: 0; "><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>3,585.62</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-bottom:  0.50pt solid black; border-top:  0.50pt solid black; vertical-align: bottom; ">
                            <P style="margin-top: 0.0pt; line-height: 1.2; text-align: center; margin-bottom: 0; "><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>3,585.62</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; border-bottom:  0.50pt solid black; border-top:  0.50pt solid black; vertical-align: bottom; ">
                            <P style="margin-top: 0.0pt; line-height: 1.2; text-align: center; margin-bottom: 0; "><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>10/1/2022</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-bottom:  0.50pt solid black; border-top:  0.50pt solid black; vertical-align: bottom; ">
                            <P style="margin-top: 0.0pt; line-height: 1.2; text-align: center; margin-bottom: 0; "><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>12/31/2022</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-bottom:  0.50pt solid black; border-top:  0.50pt solid black; vertical-align: bottom; ">
                            <P style="margin-top: 0.0pt; line-height: 1.2; text-align: center; margin-bottom: 0; "><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>4,080.11</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-bottom:  0.50pt solid black; border-top:  0.50pt solid black; vertical-align: bottom; ">
                            <P style="margin-top: 0.0pt; line-height: 1.2; text-align: center; margin-bottom: 0; "><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>3,577.03</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-bottom:  0.50pt solid black; border-top:  0.50pt solid black; vertical-align: bottom; ">
                            <P style="margin-top: 0.0pt; line-height: 1.2; text-align: center; margin-bottom: 0; "><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>3,839.50</font></FONT></P>
                        </TD>
                    </TR>
                    <TR style="vertical-align: top; ">
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-bottom:  0.50pt solid black; border-top:  0.50pt solid black; vertical-align: bottom; ">
                            <P style="margin-top: 0.0pt; line-height: 1.2; text-align: center; margin-bottom: 0; "><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>1/1/2023</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-bottom:  0.50pt solid black; border-top:  0.50pt solid black; vertical-align: bottom; ">
                            <P style="margin-top: 0.0pt; line-height: 1.2; text-align: center; margin-bottom: 0; "><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>3/31/2023</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-bottom:  0.50pt solid black; border-top:  0.50pt solid black; vertical-align: bottom; ">
                            <P style="margin-top: 0.0pt; line-height: 1.2; text-align: center; margin-bottom: 0; "><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>4,179.76</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-bottom:  0.50pt solid black; border-top:  0.50pt solid black; vertical-align: bottom; ">
                            <P style="margin-top: 0.0pt; line-height: 1.2; text-align: center; margin-bottom: 0; "><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>3,808.10</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-bottom:  0.50pt solid black; border-top:  0.50pt solid black; vertical-align: bottom; ">
                            <P style="margin-top: 0.0pt; line-height: 1.2; text-align: center; margin-bottom: 0; "><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>4,109.31</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; border-bottom:  0.50pt solid black; border-top:  0.50pt solid black; vertical-align: bottom; ">
                            <P style="margin-top: 0.0pt; line-height: 1.2; text-align: center; margin-bottom: 0; "><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>4/1/2023</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-bottom:  0.50pt solid black; border-top:  0.50pt solid black; vertical-align: bottom; ">
                            <P style="margin-top: 0.0pt; line-height: 1.2; text-align: center; margin-bottom: 0; "><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>6/30/2023</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-bottom:  0.50pt solid black; border-top:  0.50pt solid black; vertical-align: bottom; ">
                            <P style="margin-top: 0.0pt; line-height: 1.2; text-align: center; margin-bottom: 0; "><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>4,450.38</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-bottom:  0.50pt solid black; border-top:  0.50pt solid black; vertical-align: bottom; ">
                            <P style="margin-top: 0.0pt; line-height: 1.2; text-align: center; margin-bottom: 0; "><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>4,055.99</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-bottom:  0.50pt solid black; border-top:  0.50pt solid black; vertical-align: bottom; ">
                            <P style="margin-top: 0.0pt; line-height: 1.2; text-align: center; margin-bottom: 0; "><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>4,450.38</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; border-bottom:  0.50pt solid black; border-top:  0.50pt solid black; vertical-align: bottom; ">
                            <P style="margin-top: 0.0pt; line-height: 1.2; text-align: center; margin-bottom: 0; "><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>7/1/2023</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-bottom:  0.50pt solid black; border-top:  0.50pt solid black; vertical-align: bottom; ">
                            <P style="margin-top: 0.0pt; line-height: 1.2; text-align: center; margin-bottom: 0; "><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>9/30/2023</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-bottom:  0.50pt solid black; border-top:  0.50pt solid black; vertical-align: bottom; ">
                            <P style="margin-top: 0.0pt; line-height: 1.2; text-align: center; margin-bottom: 0; "><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>4,588.96</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-bottom:  0.50pt solid black; border-top:  0.50pt solid black; vertical-align: bottom; ">
                            <P style="margin-top: 0.0pt; line-height: 1.2; text-align: center; margin-bottom: 0; "><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>4,273.53</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-bottom:  0.50pt solid black; border-top:  0.50pt solid black; vertical-align: bottom; ">
                            <P style="margin-top: 0.0pt; line-height: 1.2; text-align: center; margin-bottom: 0; "><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>4,288.05</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; border-bottom:  0.50pt solid black; border-top:  0.50pt solid black; vertical-align: bottom; ">
                            <P style="margin-top: 0.0pt; line-height: 1.2; text-align: center; margin-bottom: 0; "><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>10/1/2023</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-bottom:  0.50pt solid black; border-top:  0.50pt solid black; vertical-align: bottom; ">
                            <P style="margin-top: 0.0pt; line-height: 1.2; text-align: center; margin-bottom: 0; "><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>12/31/2023</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-bottom:  0.50pt solid black; border-top:  0.50pt solid black; vertical-align: bottom; ">
                            <P style="margin-top: 0.0pt; line-height: 1.2; text-align: center; margin-bottom: 0; "><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>4,783.35</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-bottom:  0.50pt solid black; border-top:  0.50pt solid black; vertical-align: bottom; ">
                            <P style="margin-top: 0.0pt; line-height: 1.2; text-align: center; margin-bottom: 0; "><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>4,117.37</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-bottom:  0.50pt solid black; border-top:  0.50pt solid black; vertical-align: bottom; ">
                            <P style="margin-top: 0.0pt; line-height: 1.2; text-align: center; margin-bottom: 0; "><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>4,769.83</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; border-bottom:  0.50pt solid black; border-top:  0.50pt solid black; vertical-align: bottom; ">
                            <P style="margin-top: 0.0pt; line-height: 1.2; text-align: center; margin-bottom: 0; "><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>1/1/2024</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-bottom:  0.50pt solid black; border-top:  0.50pt solid black; vertical-align: bottom; ">
                            <P style="margin-top: 0.0pt; line-height: 1.2; text-align: center; margin-bottom: 0; "><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>3/31/2024</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-bottom:  0.50pt solid black; border-top:  0.50pt solid black; vertical-align: bottom; ">
                            <P style="margin-top: 0.0pt; line-height: 1.2; text-align: center; margin-bottom: 0; "><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>5,254.35</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-bottom:  0.50pt solid black; border-top:  0.50pt solid black; vertical-align: bottom; ">
                            <P style="margin-top: 0.0pt; line-height: 1.2; text-align: center; margin-bottom: 0; "><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>4,688.68</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-bottom:  0.50pt solid black; border-top:  0.50pt solid black; vertical-align: bottom; ">
                            <P style="margin-top: 0.0pt; line-height: 1.2; text-align: center; margin-bottom: 0; "><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>5,254.35</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; border-bottom:  0.50pt solid black; border-top:  0.50pt solid black; vertical-align: bottom; ">
                            <P style="margin-top: 0.0pt; line-height: 1.2; text-align: center; margin-bottom: 0; "><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>4/1/2024</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-bottom:  0.50pt solid black; border-top:  0.50pt solid black; vertical-align: bottom; ">
                            <P style="margin-top: 0.0pt; line-height: 1.2; text-align: center; margin-bottom: 0; "><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>6/30/2024</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-bottom:  0.50pt solid black; border-top:  0.50pt solid black; vertical-align: bottom; ">
                            <P style="margin-top: 0.0pt; line-height: 1.2; text-align: center; margin-bottom: 0; "><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>5,487.03</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-bottom:  0.50pt solid black; border-top:  0.50pt solid black; vertical-align: bottom; ">
                            <P style="margin-top: 0.0pt; line-height: 1.2; text-align: center; margin-bottom: 0; "><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>4,967.23</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-bottom:  0.50pt solid black; border-top:  0.50pt solid black; vertical-align: bottom; ">
                            <P style="margin-top: 0.0pt; line-height: 1.2; text-align: center; margin-bottom: 0; "><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>5,460.48</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; border-bottom:  0.50pt solid black; border-top:  0.50pt solid black; vertical-align: bottom; ">
                            <P style="margin-top: 0.0pt; line-height: 1.2; text-align: center; margin-bottom: 0; "><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>7/1/2024</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-bottom:  0.50pt solid black; border-top:  0.50pt solid black; vertical-align: bottom; ">
                            <P style="margin-top: 0.0pt; line-height: 1.2; text-align: center; margin-bottom: 0; "><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>9/30/2024</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-bottom:  0.50pt solid black; border-top:  0.50pt solid black; vertical-align: bottom; ">
                            <P style="margin-top: 0.0pt; line-height: 1.2; text-align: center; margin-bottom: 0; "><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>5,762.48</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-bottom:  0.50pt solid black; border-top:  0.50pt solid black; vertical-align: bottom; ">
                            <P style="margin-top: 0.0pt; line-height: 1.2; text-align: center; margin-bottom: 0; "><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>5,186.33</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-bottom:  0.50pt solid black; border-top:  0.50pt solid black; vertical-align: bottom; ">
                            <P style="margin-top: 0.0pt; line-height: 1.2; text-align: center; margin-bottom: 0; "><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>5,762.48</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; border-bottom:  0.50pt solid black; border-top:  0.50pt solid black; vertical-align: bottom; ">
                            <P style="margin-top: 0.0pt; line-height: 1.2; text-align: center; margin-bottom: 0; "><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>10/1/2024</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-bottom:  0.50pt solid black; border-top:  0.50pt solid black; vertical-align: bottom; ">
                            <P style="margin-top: 0.0pt; line-height: 1.2; text-align: center; margin-bottom: 0; "><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>12/31/2024</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-bottom:  0.50pt solid black; border-top:  0.50pt solid black; vertical-align: bottom; ">
                            <P style="margin-top: 0.0pt; line-height: 1.2; text-align: center; margin-bottom: 0; "><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>6,090.27</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-bottom:  0.50pt solid black; border-top:  0.50pt solid black; vertical-align: bottom; ">
                            <P style="margin-top: 0.0pt; line-height: 1.2; text-align: center; margin-bottom: 0; "><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>5,695.94</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-bottom:  0.50pt solid black; border-top:  0.50pt solid black; vertical-align: bottom; ">
                            <P style="margin-top: 0.0pt; line-height: 1.2; text-align: center; margin-bottom: 0; "><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>5,881.63</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; border-bottom:  0.50pt solid black; border-top:  0.50pt solid black; vertical-align: bottom; ">
                            <P style="margin-top: 0.0pt; line-height: 1.2; text-align: center; margin-bottom: 0; "><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>1/1/2025</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-bottom:  0.50pt solid black; border-top:  0.50pt solid black; vertical-align: bottom; ">
                            <P style="margin-top: 0.0pt; line-height: 1.2; text-align: center; margin-bottom: 0; "><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>3/31/2025</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-bottom:  0.50pt solid black; border-top:  0.50pt solid black; vertical-align: bottom; ">
                            <P style="margin-top: 0.0pt; line-height: 1.2; text-align: center; margin-bottom: 0; "><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>6,144.15</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-bottom:  0.50pt solid black; border-top:  0.50pt solid black; vertical-align: bottom; ">
                            <P style="margin-top: 0.0pt; line-height: 1.2; text-align: center; margin-bottom: 0; "><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>5,521.52</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-bottom:  0.50pt solid black; border-top:  0.50pt solid black; vertical-align: bottom; ">
                            <P style="margin-top: 0.0pt; line-height: 1.2; text-align: center; margin-bottom: 0; "><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>5,611.85</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; border-bottom:  0.50pt solid black; border-top:  0.50pt solid black; vertical-align: bottom; ">
                            <P style="margin-top: 0.0pt; line-height: 1.2; text-align: center; margin-bottom: 0; "><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>4/1/2025</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-bottom:  0.50pt solid black; border-top:  0.50pt solid black; vertical-align: bottom; ">
                            <P style="margin-top: 0.0pt; line-height: 1.2; text-align: center; margin-bottom: 0; "><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>6/30/2025</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-bottom:  0.50pt solid black; border-top:  0.50pt solid black; vertical-align: bottom; ">
                            <P style="margin-top: 0.0pt; line-height: 1.2; text-align: center; margin-bottom: 0; "><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>6,204.95</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-bottom:  0.50pt solid black; border-top:  0.50pt solid black; vertical-align: bottom; ">
                            <P style="margin-top: 0.0pt; line-height: 1.2; text-align: center; margin-bottom: 0; "><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>4,982.77</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-bottom:  0.50pt solid black; border-top:  0.50pt solid black; vertical-align: bottom; ">
                            <P style="margin-top: 0.0pt; line-height: 1.2; text-align: center; margin-bottom: 0; "><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>6,204.95</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; border-bottom:  0.50pt solid black; border-top:  0.50pt solid black; vertical-align: bottom; ">
                            <P style="margin-top: 0.0pt; line-height: 1.2; text-align: center; margin-bottom: 0; "><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>7/1/2025</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-bottom:  0.50pt solid black; border-top:  0.50pt solid black; vertical-align: bottom; ">
                            <P style="margin-top: 0.0pt; line-height: 1.2; text-align: center; margin-bottom: 0; "><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>9/30/2025</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-bottom:  0.50pt solid black; border-top:  0.50pt solid black; vertical-align: bottom; ">
                            <P style="margin-top: 0.0pt; line-height: 1.2; text-align: center; margin-bottom: 0; "><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>6,693.75</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-bottom:  0.50pt solid black; border-top:  0.50pt solid black; vertical-align: bottom; ">
                            <P style="margin-top: 0.0pt; line-height: 1.2; text-align: center; margin-bottom: 0; "><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>6,198.01</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-bottom:  0.50pt solid black; border-top:  0.50pt solid black; vertical-align: bottom; ">
                            <P style="margin-top: 0.0pt; line-height: 1.2; text-align: center; margin-bottom: 0; "><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>6,688.46</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; border-bottom:  0.50pt solid black; border-top:  0.50pt solid black; ">
                            <P style="margin-top: 0.0pt; line-height: 1.2; text-align: center; margin-bottom: 0; "><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>10/1/2025</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-bottom:  0.50pt solid black; border-top:  0.50pt solid black; ">
                            <P style="margin-top: 0.0pt; line-height: 1.2; text-align: center; margin-bottom: 0; "><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>11/13/2025*</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-bottom:  0.50pt solid black; border-top:  0.50pt solid black; vertical-align: bottom; ">
                            <P style="margin-top: 0.0pt; line-height: 1.2; text-align: center; margin-bottom: 0; "><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>6,890.89</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-bottom:  0.50pt solid black; border-top:  0.50pt solid black; vertical-align: bottom; ">
                            <P style="margin-top: 0.0pt; line-height: 1.2; text-align: center; margin-bottom: 0; "><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>6,552.51</font></FONT></P>
                        </TD>
                        <TD style="padding-top: 0.0pt; padding-left: 5.94pt; padding-right: 5.94pt; padding-bottom: 0.0pt; border-bottom:  0.50pt solid black; border-top:  0.50pt solid black; vertical-align: bottom; ">
                            <P style="margin-top: 0.0pt; line-height: 1.2; text-align: center; margin-bottom: 0; "><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>6,737.49</font></FONT></P>
                        </TD>
                    </TR>
                </TABLE>
                <P style="margin-top: 3.3pt; line-height: 1.2; text-indent: 0.0pt; text-align: justify; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 7.5pt; "><font style='white-space: pre-wrap;'>* Available information for the indicated period includes data for less than the entire calendar quarter, and, accordingly, the &#8220;Quarterly High,&#8221; &#8220;Quarterly Low&#8221; and &#8220;Quarterly Close&#8221; data indicated are for this shortened period only.</font></FONT></P>
                <P style="margin-top: 3.3pt; line-height: 1.2; text-indent: 0.0pt; text-align: justify; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 7.5pt; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
            </DIV>
            <DIV style="width: 550.00pt; padding: 0 60.50pt 25.36pt 62.70pt; min-height: 14.25pt; position: relative; ">
                <P style="line-height: 1.2; text-align: right; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 7.0pt; "><FONT>16</FONT></FONT></P>
                <P style="line-height: 1.2; text-align: left; margin-top: 0; margin-bottom: 0; "><FONT style="font-size: 7.0pt; font-family: Arial, sans-serif; ">&nbsp;</FONT></P>
            </DIV>
        </DIV>
        <DIV style="page-break-after: always; border-bottom: 1pt solid black; ">
            <P></P>
        </DIV>
        <DIV style="margin: auto; width: 673.20pt; padding: 36pt 0; ">
            <DIV style="width: 550.00pt; padding: 37.23pt 60.50pt 0 62.70pt; min-height: 22.16pt; position: relative; ">
            </DIV>
            <DIV style="width: 550.00pt; padding: 10pt 60.50pt 10pt 62.70pt; position: relative; margin-bottom: 20pt; ">
                <P style="margin-top: 6.6pt; line-height: 12.0pt; margin-bottom: 0; "><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>The graph below illustrates the performance of the S&amp;P 500</font></FONT><FONT style="font-size: 7pt; vertical-align: super; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'> Index from January 1, 2008 through November 13, 2025, based on information from Bloomberg. </font></FONT><FONT style="font-weight: bold; font-style: italic; font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>Past performance of the S&amp;P 500</font></FONT><FONT style="font-weight: bold; font-style: italic; font-size: 7pt; vertical-align: super; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-weight: bold; font-style: italic; font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'> Index is not indicative of the future performance of the S&amp;P 500</font></FONT><FONT style="font-weight: bold; font-style: italic; font-size: 7pt; vertical-align: super; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-weight: bold; font-style: italic; font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'> Index. </font></FONT></P>
                <P style="text-align: center; margin-top: 6.6pt; line-height: 13.0pt; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 11.0pt; "><FONT style="width: 549.45pt; height: 243.38pt; ">                            <IMG width="549.45pt" height="243.38pt" src="image2.gif" style="width: 549.45pt; height: 243.38pt; ">
                            </FONT></FONT></P>
            </DIV>
            <DIV style="width: 550.00pt; padding: 0 60.50pt 25.36pt 62.70pt; min-height: 14.25pt; position: relative; ">
                <P style="line-height: 1.2; text-align: right; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 7.0pt; "><FONT>17</FONT></FONT></P>
                <P style="line-height: 1.2; text-align: left; margin-top: 0; margin-bottom: 0; "><FONT style="font-size: 7.0pt; font-family: Arial, sans-serif; ">&nbsp;</FONT></P>
            </DIV>
        </DIV>
        <DIV style="page-break-after: always; border-bottom: 1pt solid black; ">
            <P></P>
        </DIV>
        <DIV style="margin: auto; width: 673.20pt; padding: 36pt 0; ">
            <DIV style="width: 550.00pt; padding: 37.23pt 60.50pt 0 62.70pt; min-height: 22.16pt; position: relative; ">
            </DIV>
            <DIV style="width: 550.00pt; padding: 10pt 60.50pt 10pt 62.70pt; position: relative; margin-bottom: 20pt; ">
                <P style="margin-top: 0.0pt; line-height: 1.2; text-align: center; text-indent: 0.0pt; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 1.0pt; "><font style='white-space: pre-wrap;'>&nbsp;</font></FONT></P>
                <TABLE width="549.45pt" style="margin-left: 0.0pt; width: 549.45pt; table-layout: fixed; border-collapse: collapse; ">
                    <TR>
                        <TD width="549.45pt" style="width: 549.45pt; 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; background-color: #5A6F89; vertical-align: middle; ">
                            <P style="margin-top: 4.4pt; margin-bottom: 4.4pt; line-height: 1.2; "><FONT style="color: #FFFFFF; font-size: 9.0pt; font-weight: bold; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>Additional Terms of the Securities</font></FONT></P>
                        </TD>
                    </TR>
                </TABLE>
                <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 1.2; text-indent: 0.0pt; text-align: justify; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>If the terms contained in this pricing supplement differ from those contained in the prospectus supplement, index supplement or prospectus, the terms contained in this pricing supplement will control.</font></FONT></P>
                <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 1.2; text-indent: 0.0pt; text-align: justify; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Some Definitions</font></FONT></P>
                <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 1.2; text-align: left; text-indent: 0.0pt; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>We have defined some of the terms that we use frequently in this pricing supplement below:</font></FONT></P>
                <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 1.2; text-align: left; 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-size: 8.0pt; ">&#9830;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>&#8220;Closing Level&#8221; means, on any Index Business Day for the Underlying, the closing value of the Underlying, or any Successor Underlying (as defined under &#8220;&#8212;Discontinuance of the Underlying; Alteration of Method of Calculation&#8221; below) reported by Bloomberg Financial Services, or any successor reporting service the Calculation Agent may select, on that Index Business Day by the Underlying Publisher. In certain circumstances, the Closing Level will be based on the alternate calculation of the Underlying as described under &#8220;&#8212;Discontinuance of the Underlying; Alteration of Method of Calculation.&#8221;</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> </font></FONT></FONT></P>
                <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 1.2; padding-left: 19.8pt; text-align: left; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>The Closing Level of the Underlying reported by Bloomberg Financial Services may be lower or higher than the official Closing Level of such Underlying published by the Underlying Publisher.</font></FONT></P>
                <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 1.2; text-align: left; 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-size: 8.0pt; ">&#9830;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>&#8220;Underlying Publisher&#8221; means S&amp;P</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 7pt; vertical-align: super; "><font style='white-space: pre-wrap;'>&#174;</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> Dow Jones Indices LLC or any successor thereto.</font></FONT></FONT></P>
                <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 1.2; text-align: left; 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-size: 8.0pt; ">&#9830;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>&#8220;Index Business Day&#8221; means a day, for the Underlying, as determined by the Calculation Agent, on which trading is generally conducted on each of the Relevant Exchange(s) for the Underlying, other than a day on which trading on such exchange(s) is scheduled to close prior to the time of the posting of its regular final weekday closing price.</font></FONT></FONT></P>
                <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 1.2; text-align: left; 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-size: 8.0pt; ">&#9830;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>&#8220;Market Disruption Event&#8221; means:</font></FONT></FONT></P>
                <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 1.2; padding-left: 19.8pt; text-align: left; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>(i)</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; width: 12.38pt; display: inline-block; ">&nbsp;</FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>the</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; "></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> occurrence or existence of any of:</font></FONT></P>
                <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 1.2; padding-left: 39.6pt; text-align: left; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>(a)  a suspension, absence or material limitation of trading of stocks then constituting 20 percent or more of the value of the Underlying (or the Successor Underlying (as defined below under &#8220;&#8212;Discontinuance of the Underlying; Alteration of Method of Calculation&#8221;)) on the Relevant Exchange for such securities for more than two hours of trading or during the one-half hour period preceding the close of the principal trading session on such Relevant Exchange, or</font></FONT></P>
                <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 1.2; padding-left: 39.6pt; text-align: left; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>(b)  a breakdown or failure in the price and trade reporting systems of any Relevant Exchange as a result of which the reported trading prices for stocks then constituting 20 percent or more of the value of the Underlying (or the Successor Underlying) during the last one-half hour preceding the close of the principal trading session on such Relevant Exchange are materially inaccurate, or</font></FONT></P>
                <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 1.2; padding-left: 39.6pt; text-align: left; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>(c) the suspension, material limitation or absence of trading on any major U.S. securities market for trading in futures or options contracts or exchange-traded funds related to the Underlying (or the Successor Underlying) for more than two hours of trading or during the one-half hour period preceding the close of the principal trading session on such market,</font></FONT></P>
                <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 1.2; padding-left: 39.6pt; text-align: left; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>in each case as determined by the Calculation Agent in its sole discretion; and</font></FONT></P>
                <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 1.2; padding-left: 19.8pt; text-align: left; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>(ii)</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; width: 9.90pt; display: inline-block; ">&nbsp;</FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>a</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 8.0pt; "></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> determination by the Calculation Agent in its sole discretion that any event described in clause (i) above materially interfered with our ability or the ability of any of our affiliates to unwind or adjust all or a material portion of the hedge position with respect to the Securities.</font></FONT></P>
                <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 1.2; padding-left: 19.8pt; text-align: left; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>For the purpose of determining whether a Market Disruption Event exists at any time, if trading in a security included in the Underlying is materially suspended or materially limited at that time, then the relevant percentage contribution of that security to the value of the Underlying shall be based on a comparison of (x) the portion of the value of the Underlying attributable to that security relative to (y) the overall value of the Underlying, in each case immediately before that suspension or limitation.</font></FONT></P>
                <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 1.2; padding-left: 19.8pt; text-align: left; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>For the purpose of determining whether a Market Disruption Event has occurred:  (1) a limitation on the hours or number of days of trading will not constitute a Market Disruption Event if it results from an announced change in the regular business hours of the Relevant Exchange or market, (2) a decision to permanently discontinue trading in the relevant futures or options contract or exchange-traded fund will not constitute a Market Disruption Event, (3) a suspension of trading in futures or options contracts or exchange-traded funds on the Underlying by the primary securities market trading in such contracts or funds by reason of (a) a price change exceeding limits set by such securities exchange or market, (b) an imbalance of orders relating to such contracts or funds, or (c) a disparity in bid and ask quotes relating to such contracts or funds will constitute a suspension, absence or material limitation of trading in futures or options contracts or exchange-traded funds related to the Underlying and (4) a &#8220;suspension, absence or material limitation of trading&#8221; on any Relevant Exchange or on the primary market on which futures or options contracts or exchange-traded funds related to the Underlying are traded will not include any time when such securities market is itself closed for trading under ordinary circumstances.</font></FONT></P>
                <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 1.2; text-align: left; 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-size: 8.0pt; ">&#9830;</FONT><!--[if IE]</FONT><![endif]--><FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>&#8220;Relevant Exchange&#8221; means, with respect to the Underlying, the primary exchange(s) or market(s) of trading for (i) any security then included in the Underlying, or any Successor Underlying, and (ii) any futures or options contracts related to the Underlying or to any security then included in the Underlying.</font></FONT></FONT></P>
            </DIV>
            <DIV style="width: 550.00pt; padding: 0 60.50pt 25.36pt 62.70pt; min-height: 14.25pt; position: relative; ">
                <P style="line-height: 1.2; text-align: right; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 7.0pt; "><FONT>18</FONT></FONT></P>
                <P style="line-height: 1.2; text-align: left; margin-top: 0; margin-bottom: 0; "><FONT style="font-size: 7.0pt; font-family: Arial, sans-serif; ">&nbsp;</FONT></P>
            </DIV>
        </DIV>
        <DIV style="page-break-after: always; border-bottom: 1pt solid black; ">
            <P></P>
        </DIV>
        <DIV style="margin: auto; width: 673.20pt; padding: 36pt 0; ">
            <DIV style="width: 550.00pt; padding: 37.23pt 60.50pt 0 62.70pt; min-height: 22.16pt; position: relative; ">
            </DIV>
            <DIV style="width: 550.00pt; padding: 10pt 60.50pt 10pt 62.70pt; position: relative; margin-bottom: 20pt; ">
                <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 1.2; text-align: left; text-indent: 0.0pt; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Postponement of Final Valuation Date and Maturity Date</font></FONT></P>
                <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 1.2; text-align: left; text-indent: 0.0pt; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>If the scheduled Final Valuation Date is not an Index Business Day or if a Market Disruption Event with respect to the Underlying occurs on such date, the Closing Level for such date will be determined on the immediately succeeding Index Business Day on which no Market Disruption Event shall have occurred; provided that the Closing Level with respect to the Final Valuation Date will not be determined on a date later than the fifth scheduled Index Business Day after the scheduled Final Valuation Date, and if such date is not an Index Business Day or if there is a Market Disruption Event on such date, the Calculation Agent will determine the Closing Level of the Underlying on such date in accordance with the formula for calculating such Underlying last in effect prior to the commencement of the Market Disruption Event (or prior to the non-Index Business Day), without rebalancing or substitution, using the closing price (or, if trading in the relevant securities has been materially suspended or materially limited, its good faith estimate of the closing price that would have prevailed but for such suspension, limitation or non-Index Business Day) on such date of each security most recently constituting the Underlying.</font></FONT></P>
                <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 1.2; text-align: left; text-indent: 0.0pt; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>If the Final Valuation Date is postponed so that it falls less than two business days prior to the scheduled Maturity Date, the Maturity Date will be the second business day following the Final Valuation Date, as postponed.</font></FONT></P>
                <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 1.2; text-align: left; text-indent: 0.0pt; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Alternate Exchange Calculation in case of an Event of Default</font></FONT></P>
                <P style="margin-top: 6.6pt; line-height: 1.2; margin-bottom: 0; "><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>If an event of default with respect to the Securities shall have occurred and be continuing, the amount declared due and payable upon any acceleration of the Securities (the &#8220;Acceleration Amount&#8221;) will be an amount, determined by the Calculation Agent in its sole discretion, that is equal to the cost of having a Qualified Financial Institution, of the kind and selected as described below, expressly assume all our payment and other obligations with respect to the Securities as of that day and as if no default or acceleration had occurred, or to undertake other obligations providing substantially equivalent economic value to you with respect to the Securities.  That cost will equal:</font></FONT></P>
                <P style="margin-top: 0.0pt; margin-bottom: 3.3pt; line-height: 1.2; margin-left: 84.76pt; text-indent: -54.67pt; "><!--[if IE]<FONT style="display: inline-block; width: 54.67pt; text-indent: -54.67pt; "><![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 lowest amount that a Qualified Financial Institution would charge to effect this assumption or undertaking, plus </font></FONT></FONT></P>
                <P style="margin-top: 0.0pt; line-height: 1.2; margin-bottom: 0; margin-left: 49.89pt; 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 reasonable expenses, including reasonable attorneys&#8217; fees, incurred by the holders of the Securities in preparing any documentation necessary for this assumption or undertaking. </font></FONT></FONT></P>
                <P style="margin-top: 4.4pt; line-height: 1.2; margin-bottom: 0; "><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>During the Default Quotation Period for the Securities, which we describe below, the holders of the Securities and/or we may request a Qualified Financial Institution to provide a quotation of the amount it would charge to effect this assumption or undertaking.  If either party obtains a quotation, it must notify the other party in writing of the quotation.  The amount referred to in the first bullet point above will equal the lowest&#8212;or, if there is only one, the only&#8212;quotation obtained, and as to which notice is so given, during the Default Quotation Period.  With respect to any quotation, however, the party not obtaining the quotation may object, on reasonable and significant grounds, to the assumption or undertaking by the Qualified Financial Institution providing the quotation and notify the other party in writing of those grounds within two business days after the last day of the Default Quotation Period, in which case that quotation will be disregarded in determining the Acceleration Amount. </font></FONT></P>
                <P style="margin-top: 6.6pt; line-height: 1.2; margin-bottom: 0; "><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>Notwithstanding the foregoing, if a voluntary or involuntary liquidation, bankruptcy or insolvency of, or any analogous proceeding is filed with respect to MSFL or Morgan Stanley, then depending on applicable bankruptcy law, your claim may be limited to an amount that could be less than the Acceleration Amount.</font></FONT></P>
                <P style="margin-top: 6.6pt; line-height: 1.2; margin-bottom: 0; "><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>If the maturity of the Securities is accelerated because of an event of default as described above, we shall, or shall cause the Calculation Agent to, provide written notice to the Trustee at its New York office, on which notice the Trustee may conclusively rely, and to the Depositary of the Acceleration Amount and the aggregate cash amount due, if any, with respect to the Securities as promptly as possible and in no event later than two business days after the date of such acceleration.</font></FONT></P>
                <P style="margin-top: 6.6pt; line-height: 1.2; margin-bottom: 0; "><FONT style="font-style: italic; font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>Default Quotation Period</font></FONT></P>
                <P style="margin-top: 6.6pt; margin-bottom: 3.3pt; line-height: 1.2; "><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>The Default Quotation Period is the period beginning on the day the Acceleration Amount first becomes due and ending on the third business day after that day, unless: </font></FONT></P>
                <P style="margin-top: 0.0pt; line-height: 1.2; margin-bottom: 0; margin-left: 84.15pt; text-indent: -54.45pt; "><!--[if IE]<FONT style="display: inline-block; width: 54.45pt; text-indent: -54.45pt; "><![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;'>no quotation of the kind referred to above is obtained, or </font></FONT></FONT></P>
                <P style="margin-top: 0.0pt; line-height: 1.2; margin-bottom: 0; margin-left: 84.15pt; text-indent: -54.45pt; "><!--[if IE]<FONT style="display: inline-block; width: 54.45pt; text-indent: -54.45pt; "><![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;'>every quotation of that kind obtained is objected to within five business days after the due date as described above. </font></FONT></FONT></P>
                <P style="margin-top: 6.6pt; line-height: 1.2; margin-bottom: 0; "><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>If either of these two events occurs, the Default Quotation Period will continue until the third business day after the first business day on which prompt notice of a quotation is given as described above.  If that quotation is objected to as described above within five business days after that first business day, however, the Default Quotation Period will continue as described in the prior sentence and this sentence. </font></FONT></P>
                <P style="margin-top: 6.6pt; line-height: 1.2; margin-bottom: 0; "><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>In any event, if the Default Quotation Period and the subsequent two business day objection period have not ended before the Final Valuation Date, then the Acceleration Amount will equal the principal amount of the Securities. </font></FONT></P>
                <P style="margin-top: 6.6pt; line-height: 1.2; margin-bottom: 0; "><FONT style="font-style: italic; font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>Qualified Financial Institutions </font></FONT></P>
                <P style="margin-top: 6.6pt; margin-bottom: 3.3pt; line-height: 1.2; "><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>For the purpose of determining the Acceleration Amount at any time, a Qualified Financial Institution must be a financial institution organized under the laws of any jurisdiction in the United States or Europe, which at that time has outstanding debt obligations with a stated maturity of one year or less from the date of issue and rated either: </font></FONT></P>
                <P style="margin-top: 0.0pt; margin-bottom: 6.6pt; line-height: 1.2; margin-left: 84.15pt; text-indent: -54.45pt; "><!--[if IE]<FONT style="display: inline-block; width: 54.45pt; text-indent: -54.45pt; "><![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;'>A-2 or higher by Standard &amp; Poor&#8217;s Ratings Services or any successor, or any other comparable rating then used by that rating agency, or </font></FONT></FONT></P>
            </DIV>
            <DIV style="width: 550.00pt; padding: 0 60.50pt 25.36pt 62.70pt; min-height: 14.25pt; position: relative; ">
                <P style="line-height: 1.2; text-align: right; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 7.0pt; "><FONT>19</FONT></FONT></P>
                <P style="line-height: 1.2; text-align: left; margin-top: 0; margin-bottom: 0; "><FONT style="font-size: 7.0pt; font-family: Arial, sans-serif; ">&nbsp;</FONT></P>
            </DIV>
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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: 550.00pt; padding: 37.23pt 60.50pt 0 62.70pt; min-height: 22.16pt; position: relative; ">
            </DIV>
            <DIV style="width: 550.00pt; padding: 10pt 60.50pt 10pt 62.70pt; position: relative; margin-bottom: 20pt; ">
                <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 1.2; margin-left: 84.15pt; text-indent: -54.45pt; "><!--[if IE]<FONT style="display: inline-block; width: 54.45pt; text-indent: -54.45pt; "><![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;'>P-2 or higher by Moody&#8217;s Investors Service or any successor, or any other comparable rating then used by that rating agency.</font></FONT></FONT></P>
                <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 1.2; text-align: left; text-indent: 0.0pt; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Discontinuance of the Underlying; Alteration of Method of Calculation</font></FONT></P>
                <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 1.2; text-align: left; text-indent: 0.0pt; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>If the Underlying Publisher of the Underlying discontinues publication of the Underlying and the Underlying Publisher or another entity (including MS &amp; Co.) publishes a successor or substitute index that the Calculation Agent determines, in its sole discretion, to be comparable to the discontinued Underlying (such index being referred to herein as a &#8220;Successor Underlying&#8221;), then any subsequent Closing Level of the Underlying will be determined by reference to the published value of such Successor Underlying at the regular weekday close of trading on any Index Business Day that the Closing Level is to be determined, and, to the extent the Closing Level of the Successor Underlying differs from the Closing Level of the Underlying at the time of such substitution, proportionate adjustments will be made by the Calculation Agent to the Initial Level and Downside Threshold.</font></FONT></P>
                <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 1.2; text-align: left; text-indent: 0.0pt; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Upon any selection by the Calculation Agent of a Successor Underlying, the Calculation Agent will cause written notice thereof to be furnished to the Trustee, to us and to the Depositary, as holder of the Securities, within three business days of such selection.  We expect that such notice will be made available to you, as a beneficial owner of such Securities, in accordance with the standard rules and procedures of the Depositary and its direct and indirect participants.</font></FONT></P>
                <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 1.2; text-align: left; text-indent: 0.0pt; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>If the Underlying Publisher discontinues publication of the Underlying prior to, and such discontinuance is continuing on, the Final Valuation Date and the Calculation Agent determines, in its sole discretion, that no Successor Underlying is available at such time, then the Calculation Agent will determine the Closing Level of the Underlying for such date.  The Closing Level of the Underlying will be computed by the Calculation Agent in accordance with the formula for and method of calculating the Underlying last in effect prior to such discontinuance, using the closing price (or, if trading in the relevant securities has been materially suspended or materially limited, its good faith estimate of the closing price that would have prevailed but for such suspension or limitation) at the close of the principal trading session of the Relevant Exchange on the Final Valuation Date of each security most recently constituting the Underlying without any rebalancing or substitution of such securities following such discontinuance.  Notwithstanding these alternative arrangements, discontinuance of the publication of the Underlying may adversely affect the value of the Securities.</font></FONT></P>
                <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 1.2; text-align: left; text-indent: 0.0pt; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>If at any time the method of calculating the Underlying or Successor Underlying, or the value thereof, is changed in a material respect, or if the Underlying or Successor Underlying is in any other way modified so that such index does not, in the opinion of the Calculation Agent, fairly represent the value of such index had such changes or modifications not been made, then, from and after such time, the Calculation Agent will, at the close of business in New York City on each date on which the Closing Level is to be determined, make such calculations and adjustments as, in the good faith judgment of the Calculation Agent, may be necessary in order to arrive at a value of a stock index comparable to the Underlying or Successor Underlying, as the case may be, as if such changes or modifications had not been made, and the Calculation Agent will calculate the Closing Level with reference to the Underlying or Successor Underlying, as adjusted.  Accordingly, if the method of calculating the Underlying or Successor Underlying is modified so that the value of such index is a fraction of what it would have been if it had not been modified (e.g., due to a split in the index), then the Calculation Agent will adjust such index in order to arrive at a value of the Underlying or Successor Underlying as if it had not been modified (e.g., as if such split had not occurred).</font></FONT></P>
                <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 1.2; text-align: left; text-indent: 0.0pt; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Trustee</font></FONT></P>
                <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 1.2; text-align: left; text-indent: 0.0pt; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>The &#8220;Trustee&#8221; for each offering of notes issued under our Senior Debt Indenture, including the Securities, will be The Bank of New York Mellon, a New York banking corporation.</font></FONT></P>
                <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 1.2; text-align: left; text-indent: 0.0pt; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Agent</font></FONT></P>
                <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 1.2; text-align: left; text-indent: 0.0pt; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>The &#8220;agent&#8221; is MS &amp; Co.</font></FONT></P>
                <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 1.2; text-align: left; text-indent: 0.0pt; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Calculation Agent and Calculations</font></FONT></P>
                <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 1.2; text-align: left; text-indent: 0.0pt; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>The &#8220;Calculation Agent&#8221; for the Securities will be MS &amp; Co.  As Calculation Agent, MS &amp; Co. will determine, among other things, the Initial Level, the Final Level, the Underlying Return and the Payment at Maturity.</font></FONT></P>
                <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 1.2; text-align: left; text-indent: 0.0pt; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>All determinations made by the Calculation Agent will be at the sole discretion of the Calculation Agent and will, in the absence of manifest error, be conclusive for all purposes and binding on you, the Trustee and us.</font></FONT></P>
                <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 1.2; text-align: left; text-indent: 0.0pt; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>All calculations with respect to the Payment at Maturity, if any, will be rounded to the nearest one hundred-thousandth, with five one-millionths rounded upward (e.g., .876545  would be rounded to .87655); all dollar amounts related to determination of the amount of cash payable per Security will be rounded to the nearest ten-thousandth, with five one hundred-thousandths rounded upward (e.g., .76545  would be rounded up to .7655); and all dollar amounts paid on the aggregate number of Securities will be rounded to the nearest cent, with one-half cent rounded upward.</font></FONT></P>
                <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 1.2; text-align: left; text-indent: 0.0pt; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Because the Calculation Agent is our affiliate, the economic interests of the Calculation Agent and its affiliates may be adverse to your interests, as an owner of the Securities, including with respect to certain determinations and judgments that the Calculation Agent must make in determining the Final Level or whether a Market Disruption Event has occurred.  See &#8220;&#8212;Discontinuance of the Underlying; Alteration of Method of Calculation,&#8221; and the definition of Market Disruption Event.  MS &amp; Co. is obligated to carry out its duties and functions as Calculation Agent in good faith and using its reasonable judgment.</font></FONT></P>
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                <P style="line-height: 1.2; text-align: right; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 7.0pt; "><FONT>20</FONT></FONT></P>
                <P style="line-height: 1.2; text-align: left; margin-top: 0; margin-bottom: 0; "><FONT style="font-size: 7.0pt; font-family: Arial, sans-serif; ">&nbsp;</FONT></P>
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        <DIV style="margin: auto; width: 673.20pt; padding: 36pt 0; ">
            <DIV style="width: 550.00pt; padding: 37.23pt 60.50pt 0 62.70pt; min-height: 22.16pt; position: relative; ">
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                <P style="margin-top: 0.0pt; line-height: 1.2; text-align: justify; margin-bottom: 0; "><FONT style="font-weight: bold; font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>Issuer Notice to Registered Security Holders, the Trustee and the Depositary</font></FONT></P>
                <P style="margin-top: 0.0pt; line-height: 1.2; text-align: justify; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; color: #000000; font-size: 10.0pt; "><font style='white-space: pre-wrap;'>&#160;</font></FONT></P>
                <P style="margin-top: 0.0pt; line-height: 1.2; margin-bottom: 0; "><FONT style="font-size: 9.0pt; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>In the event that the Maturity Date of the Securities is postponed due to a postponement of the Final Valuation 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 Depository Trust Company (the &#8220;Depositary&#8221;) 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 Valuation Date as postponed.</font></FONT></P>
                <P style="text-indent: 0.0pt; margin-top: 11.0pt; line-height: 1.2; text-align: justify; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>The Issuer shall, or shall cause the Calculation Agent to, (i) provide written notice to the Trustee 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>
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                <P style="line-height: 1.2; text-align: right; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 7.0pt; "><FONT>21</FONT></FONT></P>
                <P style="line-height: 1.2; text-align: left; margin-top: 0; margin-bottom: 0; "><FONT style="font-size: 7.0pt; font-family: Arial, sans-serif; ">&nbsp;</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: 550.00pt; padding: 37.23pt 60.50pt 0 62.70pt; min-height: 22.16pt; position: relative; ">
            </DIV>
            <DIV style="width: 550.00pt; padding: 10pt 60.50pt 10pt 62.70pt; position: relative; margin-bottom: 20pt; ">
                <TABLE width="549.45pt" style="margin-left: 0.0pt; width: 549.45pt; table-layout: fixed; border-collapse: collapse; ">
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                            <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 1.2; "><FONT style="color: #FFFFFF; font-size: 9.0pt; font-weight: bold; font-family: Arial, sans-serif; "><font style='white-space: pre-wrap;'>Additional Information About the Securities</font></FONT></P>
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                <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 1.2; text-align: left; text-indent: 0.0pt; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Use of Proceeds and Hedging</font></FONT></P>
                <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 1.2; text-align: left; text-indent: 0.0pt; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><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, $10 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 on page 2 above comprise the Agent&#8217;s commissions and the cost of issuing, structuring and hedging the Securities. See also &#8220;Use of Proceeds&#8221; in the accompanying prospectus.</font></FONT></P>
                <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 1.2; text-align: left; text-indent: 0.0pt; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>On or prior to the Trade 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 constituent stocks of the Underlying, in futures or options contracts on the Underlying or the constituent stocks of the Underlying, as well as in other instruments related to the Underlying that they may wish to use in connection with such hedging.  Such purchase activity could increase the Initial Level of the Underlying, and, therefore, could increase the Downside Threshold, which is the level at or above which the Underlying must close on the Final Valuation Date so that you do not suffer a significant loss on your initial investment in the Securities.  In addition, through our affiliates, we are likely to modify our hedge position throughout the term of the Securities, including on the Final Valuation Date, by purchasing and selling the constituent stocks of the Underlying, futures or options contracts on the Underlying or the constituent stocks of the Underlying, as well as other instruments related to the Underlying that we may wish to use in connection with such hedging activities, including by purchasing or selling any such securities or instruments on the Final Valuation Date.  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 Valuation Date approaches.  We cannot give any assurance that our hedging activities will not affect the level of the Underlying, and, therefore, adversely affect the value of the Securities or the amount payable at maturity, if any.</font></FONT></P>
                <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 1.2; text-align: left; text-indent: 0.0pt; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Supplemental Plan of Distribution; Conflicts of Interest</font></FONT></P>
                <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 1.2; text-align: left; text-indent: 0.0pt; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>MS &amp; Co. is the agent for this offering.  We have agreed to sell to MS &amp; Co., and MS &amp; Co. has agreed to purchase, all of the Securities at the issue price less the underwriting discount indicated on the cover of this document.  UBS Financial Services Inc., acting as dealer, will receive from MS &amp; Co. a fixed sales commission of $0.30 for each Security it sells.</font></FONT></P>
                <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 1.2; text-align: left; text-indent: 0.0pt; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>MS &amp; Co. is our affiliate and a wholly owned subsidiary of Morgan Stanley, and it and other affiliates of ours expect to make a profit by selling, structuring and, when applicable, hedging the Securities.</font></FONT></P>
                <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 1.2; text-align: left; text-indent: 0.0pt; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>MS &amp; Co. will conduct this offering in compliance with the requirements of Rule 5121 of the Financial Industry Regulatory Authority, Inc. (&#8220;FINRA&#8221;), regarding a FINRA member firm&#8217;s distribution of the securities of an affiliate and related conflicts of interest.  MS &amp; Co. or any of our other affiliates may not make sales in this offering to any discretionary account.</font></FONT></P>
                <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 1.2; text-align: left; text-indent: 0.0pt; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>In order to facilitate the offering of the Securities, the agent may engage in transactions that stabilize, maintain or otherwise affect the price of the Securities.  Specifically, the agent may sell more Securities than it is obligated to purchase in connection with the offering, creating a naked short position in the Securities, for its own account.  The agent must close out any naked short position by purchasing the Securities in the open market.  A naked short position is more likely to be created if the agent is concerned that there may be downward pressure on the price of the Securities in the open market after pricing that could adversely affect investors who purchase in the offering.  As an additional means of facilitating the offering, the agent may bid for, and purchase, the Securities or the constituent stocks of the Underlying in the open market to stabilize the price of the Securities.  Any of these activities may raise or maintain the market price of the Securities above independent market levels or prevent or retard a decline in the market price of the Securities.  The agent is not required to engage in these activities, and may end any of these activities at any time.  An affiliate of the agent has entered into a hedging transaction with us in connection with this offering of Securities.  See &#8220;&#8212;Use of Proceeds and Hedging&#8221; above.</font></FONT></P>
                <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 1.2; text-align: left; text-indent: 0.0pt; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Form of Securities</font></FONT></P>
                <P style="text-indent: 0.0pt; margin-top: 11.0pt; line-height: 1.2; text-align: justify; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>The Securities will be issued in the form of one or more fully registered global securities which will be deposited with, or on behalf of, the Depositary and will be registered in the name of a nominee of the Depositary.  The Depositary&#8217;s nominee will be the only registered holder of the Securities.  Your beneficial interest in the Securities will be evidenced solely by entries on the books of the securities intermediary acting on your behalf as a direct or indirect participant in the Depositary.  In this pricing supplement, all references to payments or notices to you will mean payments or notices to the Depositary, as the registered holder of the Securities, for distribution to participants in accordance with the Depositary&#8217;s procedures.  For more information regarding the Depositary and book entry notes, please read &#8220;Forms of Securities&#8212;The Depositary&#8221; and &#8220;Securities Offered on a Global Basis Through the Depositary&#8221; in the accompanying prospectus.</font></FONT></P>
                <P style="margin-top: 6.6pt; margin-bottom: 6.6pt; line-height: 1.2; text-align: left; text-indent: 0.0pt; "><FONT style="font-family: Arial, sans-serif; font-weight: bold; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>Validity of the Securities:</font></FONT></P>
                <P style="text-indent: 0.0pt; margin-top: 11.0pt; line-height: 1.2; text-align: justify; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>In the opinion of Davis Polk &amp; Wardwell LLP, as special counsel to MSFL and Morgan Stanley, when the securities offered by this pricing supplement have been issued by MSFL pursuant to the MSFL Senior Debt Indenture (as defined in the accompanying </font></FONT></P>
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                <P style="line-height: 1.2; text-align: right; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 7.0pt; "><FONT>22</FONT></FONT></P>
                <P style="line-height: 1.2; text-align: left; margin-top: 0; margin-bottom: 0; "><FONT style="font-size: 7.0pt; font-family: Arial, sans-serif; ">&nbsp;</FONT></P>
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        <DIV style="margin: auto; width: 673.20pt; padding: 36pt 0; ">
            <DIV style="width: 550.00pt; padding: 37.23pt 60.50pt 0 62.70pt; min-height: 22.16pt; position: relative; ">
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            <DIV style="width: 550.00pt; padding: 10pt 60.50pt 10pt 62.70pt; position: relative; margin-bottom: 20pt; ">
                <P style="margin-top: 11.0pt; line-height: 1.2; text-align: justify; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>prospectus), the trustee and/or paying agent has made, in accordance with the instructions from MSFL, the appropriate entries or notations in its records relating to the master note that represents such securities (the &#8220;master note&#8221;), and such securities have been delivered against payment as contemplated herein, such securities will be valid and binding obligations of MSFL and the related guarantee will be a valid and binding obligation of Morgan Stanley, enforceable in accordance with their terms, subject to applicable bankruptcy, insolvency and similar laws affecting creditors&#8217; rights generally, concepts of reasonableness and equitable principles of general applicability (including, without limitation, concepts of good faith, fair dealing and the lack of bad faith), </font></FONT><FONT style="font-family: Arial, sans-serif; font-style: italic; font-size: 9.0pt; "><font style='white-space: pre-wrap;'>provided</font></FONT><FONT style="font-family: Arial, sans-serif; font-size: 9.0pt; "><font style='white-space: pre-wrap;'> that such counsel expresses no opinion as to (i) the effect of fraudulent conveyance, fraudulent transfer or similar provision of applicable law on the conclusions expressed above and (ii) any provision of the MSFL Senior Debt Indenture that purports to avoid the effect of fraudulent conveyance, fraudulent transfer or similar provision of applicable law by limiting the amount of Morgan Stanley&#8217;s obligation under the related guarantee.  This opinion is given as of the date hereof and is limited to the laws of the State of New York, the General Corporation Law of the State of Delaware and the Delaware Limited Liability Company Act.  In addition, this opinion is subject to customary assumptions about the trustee&#8217;s authorization, execution and delivery of the MSFL Senior Debt Indenture and its authentication of the master note and the validity, binding nature and enforceability of the MSFL Senior Debt Indenture with respect to the trustee, all as stated in the letter of such counsel dated September 23, 2025, which was filed as an exhibit to a Current Report on Form 8-K by the Company on September 23, 2025.</font></FONT></P>
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                <P style="line-height: 1.2; text-align: right; margin-top: 0; margin-bottom: 0; "><FONT style="font-family: Arial, sans-serif; font-size: 7.0pt; "><FONT>23</FONT></FONT></P>
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<p style="font: 12pt/14pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: center"><b>CALCULATION OF FILING FEE TABLES</b></p>

<p style="font: 11pt Arial, Helvetica, Sans-Serif; text-align: center; margin-top: 6pt; margin-bottom: 6pt"><span id="xdx_900_effd--FormTp_c20251114__20251114_zU3FZ5fe62M" style="font-family: Times New Roman, Times, Serif; font-size: 12pt"><b><ix:nonNumeric contextRef="AsOf2025-11-14" id="Fact000010" name="ffd:FormTp">S-3</ix:nonNumeric></b></span></p>

<p style="font: 12pt/14pt Times New Roman, Times, Serif; margin: 0 0 0pt; text-align: center"><b><span id="xdx_907_edei--EntityRegistrantName_c20251114__20251114_zEyy9LY8f2ia"><ix:nonNumeric contextRef="AsOf2025-11-14" id="Fact000011" name="dei:EntityRegistrantName">MORGAN STANLEY</ix:nonNumeric></span></b></p>
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<p style="font: 12pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; visibility: hidden; text-indent: 0in"><span style="visibility: hidden; font-family: Times New Roman, Times, Serif; font-size: 10pt">Submission
Type: <span id="xdx_90D_effd--SubmissnTp_c20251114__20251114_z0s5JqfiSKyi" style="visibility: hidden"><ix:nonNumeric contextRef="AsOf2025-11-14" id="Fact000012" name="ffd:SubmissnTp">424B2</ix:nonNumeric></span></span></p>

<p style="font: 12pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; visibility: hidden; text-indent: 0in"><span style="visibility: hidden; font-family: Times New Roman, Times, Serif; font-size: 10pt">SEC
File No. <span id="xdx_906_effd--RegnFileNb_c20251114__20251114_z29uTH9zQp31" style="visibility: hidden"><ix:nonNumeric contextRef="AsOf2025-11-14" id="Fact000013" name="ffd:RegnFileNb">333-275587</ix:nonNumeric></span></span></p>

<p style="font: 12pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; visibility: hidden; text-indent: 0in"><span style="visibility: hidden; font-family: Times New Roman, Times, Serif; font-size: 10pt">Final
Prospectus: <span id="xdx_902_effd--FnlPrspctsFlg_c20251114__20251114_zgm0y2RECY02" style="visibility: hidden"><ix:nonNumeric contextRef="AsOf2025-11-14" format="ixt:booleantrue" id="Fact000014" name="ffd:FnlPrspctsFlg">True</ix:nonNumeric></span></span></p>



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<p style="font: 9pt Arial, Helvetica, Sans-Serif; text-align: center; margin-top: 15pt; margin-bottom: 0pt"><span style="font: bold 12pt Times New Roman, Times, Serif">Narrative Disclosure</span></p>

<p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 6pt 0 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">The
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prospectus is a final prospectus for the related offering.</ix:nonNumeric></span></span></p>

<p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 6pt 0 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#160;</span></p>

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<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
							function toggleNextSibling (e) {
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<span style="display: none;">v3.25.3</span><table class="report" border="0" cellspacing="2" id="id2">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Submission<br></strong></div></th>
<th class="th"><div>Nov. 14, 2025</div></th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ffd_SubmissionLineItems', window );"><strong>Submission [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityCentralIndexKey', window );">Central Index Key</a></td>
<td class="text">0000895421<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityRegistrantName', window );">Registrant Name</a></td>
<td class="text">MORGAN STANLEY<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ffd_RegnFileNb', window );">Registration File Number</a></td>
<td class="text">333-275587<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ffd_FormTp', window );">Form Type</a></td>
<td class="text">S-3<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ffd_SubmissnTp', window );">Submission Type</a></td>
<td class="text">424B2<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ffd_FeeExhibitTp', window );">Fee Exhibit Type</a></td>
<td class="text">EX-FILING FEES<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ffd_OfferingTableNa', window );">Offering Table N/A</a></td>
<td class="text">N/A<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ffd_OffsetTableNa', window );">Offset Table N/A</a></td>
<td class="text">N/A<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ffd_CombinedProspectusTableNa', window );">Combined Prospectus Table N/A</a></td>
<td class="text">N/A<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityCentralIndexKey">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>A unique 10-digit SEC-issued value to identify entities that have filed disclosures with the SEC. It is commonly abbreviated as CIK.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 12<br> -Subsection b-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityCentralIndexKey</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:centralIndexKeyItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityRegistrantName">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The exact name of the entity filing the report as specified in its charter, which is required by forms filed with the SEC.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 12<br> -Subsection b-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityRegistrantName</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ffd_CombinedProspectusTableNa">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ffd_CombinedProspectusTableNa</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ffd_</td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>ffd:naItemType</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ffd_FeeExhibitTp">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ffd_FeeExhibitTp</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ffd_</td>
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<td><strong> Data Type:</strong></td>
<td>ffd:feeExhibitTypeItemType</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
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</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ffd_FormTp">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ffd_FormTp</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ffd_</td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>ffd:submissionTypeItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
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end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>15
<FILENAME>ex-filingfees_htm.xml
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<XML>
<?xml version="1.0" encoding="utf-8"?>
<xbrl
  xmlns="http://www.xbrl.org/2003/instance"
  xmlns:dei="http://xbrl.sec.gov/dei/2025"
  xmlns:ffd="http://xbrl.sec.gov/ffd/2025"
  xmlns:iso4217="http://www.xbrl.org/2003/iso4217"
  xmlns:link="http://www.xbrl.org/2003/linkbase"
  xmlns:xlink="http://www.w3.org/1999/xlink">
    <link:schemaRef
      xlink:href="https://xbrl.sec.gov/ffd/2025/ffd-2025.xsd"
      xlink:type="simple"/>
    <context id="AsOf2025-11-14">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000895421</identifier>
        </entity>
        <period>
            <startDate>2025-11-14</startDate>
            <endDate>2025-11-14</endDate>
        </period>
    </context>
    <unit id="USD">
        <measure>iso4217:USD</measure>
    </unit>
    <unit id="Shares">
        <measure>shares</measure>
    </unit>
    <unit id="USDPShares">
        <divide>
            <unitNumerator>
                <measure>iso4217:USD</measure>
            </unitNumerator>
            <unitDenominator>
                <measure>shares</measure>
            </unitDenominator>
        </divide>
    </unit>
    <unit id="Ratio">
        <measure>pure</measure>
    </unit>
    <dei:EntityCentralIndexKey contextRef="AsOf2025-11-14" id="Fact000003">0000895421</dei:EntityCentralIndexKey>
    <ffd:FeeExhibitTp contextRef="AsOf2025-11-14" id="Fact000009">EX-FILING FEES</ffd:FeeExhibitTp>
    <ffd:FormTp contextRef="AsOf2025-11-14" id="Fact000010">S-3</ffd:FormTp>
    <dei:EntityRegistrantName contextRef="AsOf2025-11-14" id="Fact000011">MORGAN STANLEY</dei:EntityRegistrantName>
    <ffd:SubmissnTp contextRef="AsOf2025-11-14" id="Fact000012">424B2</ffd:SubmissnTp>
    <ffd:RegnFileNb contextRef="AsOf2025-11-14" id="Fact000013">333-275587</ffd:RegnFileNb>
    <ffd:FnlPrspctsFlg contextRef="AsOf2025-11-14" id="Fact000014">true</ffd:FnlPrspctsFlg>
    <ffd:OfferingTableNa contextRef="AsOf2025-11-14" id="Fact000015">N/A</ffd:OfferingTableNa>
    <ffd:OffsetTableNa contextRef="AsOf2025-11-14" id="Fact000016">N/A</ffd:OffsetTableNa>
    <ffd:CombinedProspectusTableNa contextRef="AsOf2025-11-14" id="Fact000017">N/A</ffd:CombinedProspectusTableNa>
    <ffd:NrrtvMaxAggtOfferingPric
      contextRef="AsOf2025-11-14"
      decimals="0"
      id="Fact000018"
      unitRef="USD">4292690.00</ffd:NrrtvMaxAggtOfferingPric>
    <ffd:NrrtvDsclsr contextRef="AsOf2025-11-14" id="Fact000019">The
prospectus is a final prospectus for the related offering.</ffd:NrrtvDsclsr>
</xbrl>
</XML>
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
